APPENDIX

ANNUAL PERCENTAGE RATE - THE YEARLY COST OF BORROWING MONEY, INCLUDING INTEREST AND FEES.

HOW YOU DIVIDE YOUR INVESTMENTS AMONG DIFFERENT ASSET CLASSES LIKE STOCKS, BONDS, AND CASH.

INTEREST EARNED ON BOTH THE ORIGINAL PRINCIPAL AND PREVIOUSLY EARNED INTEREST.

THE PERCENTAGE OF AVAILABLE CREDIT YOU'RE CURRENTLY USING ACROSS ALL CREDIT CARDS.

SPREADING INVESTMENTS ACROSS VARIOUS ASSETS TO REDUCE RISK.

MONEY SET ASIDE TO COVER UNEXPECTED EXPENSES, TYPICALLY 3-6 MONTHS OF LIVING EXPENSES.

THE ANNUAL FEE CHARGED BY MUTUAL FUNDS AND ETFS, EXPRESSED AS A PERCENTAGE.

THE MOST COMMON TYPE OF CREDIT SCORE, RANGING FROM 300-850.

A MUTUAL FUND THAT TRACKS A SPECIFIC MARKET INDEX, LIKE THE S&P 500.

HOW QUICKLY AND EASILY AN ASSET CAN BE CONVERTED TO CASH.

YOUR TOTAL ASSETS MINUS YOUR TOTAL LIABILITIES (DEBTS).

THE ORIGINAL AMOUNT OF MONEY BORROWED OR INVESTED, BEFORE INTEREST.

A RETIREMENT ACCOUNT WHERE YOU PAY TAXES UPFRONT BUT WITHDRAWALS IN RETIREMENT ARE TAX-FREE.

A FIXED DOLLAR AMOUNT THAT REDUCES YOUR TAXABLE INCOME, AVAILABLE TO ALL TAXPAYERS.

THE PROCESS BY WHICH YOU GAIN OWNERSHIP OF EMPLOYER CONTRIBUTIONS TO YOUR RETIREMENT PLAN.