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2. Money that you owe to the government.
4. A savings account that you can use to cover unexpected expenses.
9. The money you spend on goods and services.
11. Things you own that have value, such as your home, car, and investments.
14. Putting money away for a rainy day or a specific goal.
16. The inflow and outflow of money in your life.
18. A budgeting method where you allocate every dollar of your income to a specific category.
20. Learning about personal finance so you can make informed decisions.
23. The ability to wait for your money to grow.
26. Debts you owe, such as credit card debt and student loans.
27. The difference between the value of your home and the amount you owe on your mortgage.
30. A rise in prices, which means that your money buys less.
32. The knowledge and skills necessary to make sound financial decisions.
33. A plan for how you will spend your money.
34. Money that you owe to someone else.
35. The difference between your assets and liabilities.
36. A number that lenders use to assess your creditworthiness.
37. interest Interest that is earned on interest, which can help your money grow over time.
38. The process of saving and investing money for your retirement.

1. Expenses that can vary in amount from month to month, such as food or entertainment.
3. The time in your life when you stop working and live off of your savings.
5. The ability to pay for something without going into debt.
6. A bank account where you can save money.
7. A collection of investments.
8. Putting money away for the future with the goal of making it grow.
10. A container for saving money.
12. The money you spend on goods and services.
13. A financial product that protects you from financial losses.
15. The tax rate you pay on your last dollar of income.
17. The ability to quickly convert an asset into cash.
19. Specific things you want to achieve with your money.
21. The ability to stick to your financial plan, even when it's difficult.
22. A legal document that specifies your wishes for your assets after you die.
24. Combining multiple debts into one loan with a lower interest rate.
25. The ability to live your life without worrying about money.
28. The amount of money you receive from your employer each pay period.
29. The ability to borrow money and repay it later.
30. The money you earn from your job or other sources.
31. Expenses that are the same amount each month, such as rent or car payments.