INTEL VAULT$$$
[FINANCE]
⚠️ Disclaimer: FOR EDUCATIONAL & ENTERTAINMENT PURPOSES ONLY!! THIS IS NOT FINANCIAL ADVICE!!
Welcome to the [FINANCE] vault. This vault is built for clarity, not compliance. We break down the buzzwords, decode the acronyms, and call out the chaos—but nothing here is investment advice, tax guidance, or a substitute for professional counsel.
You’re responsible for your own moves. We’re just handing you the flashlight while you explore the cave. If you’re about to bet the farm on a meme coin or stake your rent money, maybe pause and talk to someone with a license.
Stay sharp. Stay skeptical. Stay sds.
{TERMINOLOGY}
💰 Finance Lingo, Decoded
(AND NO, THIS IS NOT FINANCIAL ADVICE!!!)
This section breaks down the jargon, acronyms, and eyebrow-raising buzzwords that flood the finance world—so you don’t have to pretend you know what “APY” means at brunch. Treat these terms like breadcrumbs - find a word, scan it’s definition, then explore more through any online resources at your disposal. Think of this section as the fuel to your burning desire for economic empowerment + financial freedom!
We’ve split the chaos into four alphabetical clusters for quick lookup. Tap to expand, skim what you need, and get back to building your empire. No fluff. No filler. Just straight-up clarity.
A - F
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🧠 Definition:
APR is the yearly interest rate charged on borrowed money or earned through an investment, expressed as a percentage. It includes fees and other costs, giving a more accurate cost of borrowing than just the nominal interest rate.
🗣️ Translation:
How much it actually costs to borrow money, once the fine print stops lying. APR includes interest + fees, so it’s the real villain behind your credit card bill.
🧸 Explain Like I'm 5 Years Old (ELI5):
If you borrow $100, APR tells you how much extra you’ll owe after a year—including sneaky fees. It’s like the price tag for using someone else’s money.
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🧠 Definition: Things your business owns that have value—cash, equipment, inventory.
🗣️ Translation: Your treasure chest.
🧸 ELI5: Your piggy bank, your lemonade stand, and your lemons are all assets.
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🧠 Definition: When your revenue equals your expenses—no profit, no loss.
🗣️ Translation: You’re not winning, but you’re not losing either.
🧸 ELI5: You spent $10 and made $10. You didn’t make money, but you didn’t lose it.
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🧠 Definition:
A brokerage account is an investment account held at a licensed firm that allows you to buy and sell financial assets like stocks, bonds, ETFs, and mutual funds. It’s the standard tool for trading and building a portfolio.🗣️ Translation:
Your launchpad into the market. You fund it, you trade with it, you grow with it. No caps, no penalties—just you versus the market. Choose your broker wisely… some are sharks in suits.🧸 ELI5:
It’s like a toy store where you use your money to buy different toys (stocks). You keep all your toys in one special box, and you can trade them whenever you want—just don’t eat them. -
🧠 Definition: A plan for how you’ll spend your money.
🗣️ Translation: Your financial GPS.
🧸 ELI5: You decide to spend $5 on lemons and $2 on cups—that’s your budget.
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🧠 Definition: Money or assets used to start or grow a business.
🗣️ Translation: Your launch fuel.
🧸 ELI5: You need $20 to build a lemonade stand—that’s your capital.
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🧠 Definition: The movement of money in and out of your business.
🗣️ Translation: Your financial heartbeat.
🧸 ELI5: If you get $10 today but owe $8 tomorrow, you’ve got $2 to play with.
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🧠 Definition:
Dividends are payments made by a company to its shareholders, usually from profits. It’s a way of sharing earnings with the people who own stock in the company.
🗣️ Translation:
You bought a slice of the company pie, and now they’re handing you crumbs from the profits. It’s passive income—money that shows up just because you believed in the brand.
🧸 Explain Like I'm 5 Years Old (ELI5):
If you help your friend sell lemonade and they give you some of the money they made, that’s a dividend. You didn’t make the lemonade, but you still get paid.
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🧠 Definition:
Deficit spending happens when a government spends more money than it collects in taxes, borrowing the difference to keep things running or stimulate the economy.
🗣️ Translation:
It’s the government maxing out its credit card to pay bills it can’t afford—hoping future income will cover the tab. Sometimes it’s strategic, sometimes it’s just messy.
🧸 Explain Like I'm 5 Years Old (ELI5):
If you want a toy but don’t have enough allowance, you ask your parents to lend you money and promise to pay them back later. That’s deficit spending.
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🧠 Definition: The decrease in value of an asset over time.
🗣️ Translation: Stuff gets old and less valuable.
🧸 ELI5: Your lemonade stand gets rusty—it’s not worth as much as when it was new.
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🧠 Definition: The value of your business after subtracting liabilities from assets.
🗣️ Translation: What’s actually yours.
🧸 ELI5: If your lemonade stand is worth $10 and you owe $3, your equity is $7.
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🧠 Definition: The costs of running your business—rent, supplies, ads, etc.
🗣️ Translation: The stuff that eats your money before you get to enjoy it.
🧸 ELI5: Buying lemons, cups, and sugar for your lemonade stand? That’s expenses.
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🧠 Definition: A 12-month period used for accounting and budgeting.
🗣️ Translation: Your business calendar.
🧸 ELI5: It’s like your school year, but for money stuff.
G - L
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🧠 Definition:
Gas fees are transaction costs paid to validators on a blockchain network (like Ethereum) to process and confirm operations. The fee amount depends on network congestion and computational complexity.
🗣️ Translation:
The toll you pay to move crypto on a blockchain. Think of it like paying for parking in a digital city—except the meter’s rigged and the price changes every second.
🧸 Explain Like I'm 5 Years Old (ELI5):
Every time you do something on a blockchain, you pay a little toll. It’s like giving coins to cross a digital bridge—and the toll changes depending on traffic
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🧠 Definition: Revenue minus cost of goods sold, divided by revenue.
🗣️ Translation: How fat your profits are before overhead.
🧸 ELI5: You sell lemonade for $1, it costs $0.30 to make—your gross margin is $0.70.
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🧠 Definition: The rate at which prices increase over time.
🗣️ Translation: Your money buys less items than it used to.
🧸 ELI5: Last year, lemonade cost $1. This year, it’s $1.25. That’s inflation.
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🧠 Definition: The cost of borrowing money or the reward for lending it.
🗣️ Translation: Money’s rental fee.
🧸 ELI5: You borrow $10 and have to pay back $11. That extra $1 is interest.
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🧠 Definition:
"KPI" stands for Key Performance Indicator. It’s a measurable metric that shows how well your business is doing in specific areas—like revenue, profit, or how much you’re spending to get new customers. Think of it as your scoreboard for financial health and hustle.
🗣️ Translation:
It’s your way of saying: “Here’s proof we’re not just winging it.”
🧸 Explain Like I'm 5 Years Old (ELI5):
Imagine you’re running a lemonade stand. You want to know:
- How many cups you sold 🍋
- How much money you made 💵
- How much you spent on lemons 🛒
Those numbers help you figure out if your stand is doing great or just kinda meh. That’s what a KPI does—it’s like a report card for your business.
-
🧠 Definition: What your business owes—debts, bills, loans.
🗣️ Translation: The stuff dragging your treasure chest down.
🧸 ELI5: If you borrowed $5 from your friend to buy lemons, that’s a liability.
M - R
-
🧠 Definition:
Market capitalization is the total value of a company or cryptocurrency, calculated by multiplying the current price per share or token by the total number of shares or tokens in circulation.
🗣️ Translation:
The total value of a company or crypto project, calculated by multiplying price by supply. Big cap = big hype. But hype DOES NOT EQUAL stability. Ask any meme coin.
🧸 Explain Like I'm 5 Years Old (ELI5):
It’s how much the whole company or coin is worth. Like counting how many cookies you have and how much each one costs—then multiplying to see how rich your cookie jar is.
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🧠 Definition: The percentage of total sales in your industry that your business owns.
🗣️ Translation: Your slice of the pie.
🧸 ELI5: If 10 kids sell lemonade and you sell the most out of the group, you’ve got the biggest slice.
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🧠 Definition:
Minimum wage is the lowest legal amount a worker can be paid per hour. It’s a federally mandated price floor, meaning employers can’t offer—and workers can’t accept—less than this rate if they’re nonexempt.
🗣️ Translation:
It’s the government’s way of saying: “You can’t pay people less than this.”
🧸 Explain Like I'm 5 Years Old (ELI5):
Imagine you’re selling lemonade, and someone wants to pay you just one penny. That’s not fair, right? Minimum wage is like a rule that says, “You must get at least a few dollars for every hour you work,” so no one gets tricked into working for too little.
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🧠 Definition: The value of what you give up when you choose one option over another.
🗣️ Translation: The “what if” price tag.
🧸 ELI5: If you spend your $5 on candy instead of lemons, you miss out on lemonade profits.
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🧠 Definition: The money that is left after you subtract costs from revenue.
🗣️ Translation: The cash you actually get to keep.
🧸 ELI5: You made $10 selling lemonade, spent $4 on lemons—that means $6 profit.
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🧠 Definition: A ratio that shows how much profit you made compared to what you spent.
🗣️ Translation: “Was it worth it?” in number form.
🧸 ELI5: If you spend $5 and make $10, your ROI is double—pretty sweet.
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🧠 Definition: Total money your business brings in before expenses.
🗣️ Translation: The big number at the top of your money scoreboard.
🧸 ELI5: If you sell lemonade for $1 a cup and sell 10 cups, your revenue is $10.
S - Z
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🧠 Definition:
Staking involves locking up cryptocurrency in a blockchain protocol to support network operations (like validating transactions) in exchange for rewards. It’s common in proof-of-stake systems.
🗣️ Translation:
Locking up your crypto to earn rewards, like interest—but with more risk and fewer guarantees. It’s passive income until the platform ghosts you.
🧸 Explain Like I'm 5 Years Old (ELI5):
You put your crypto in a digital piggy bank and promise not to touch it. In return, the system gives you candy (rewards) every so often—unless the piggy bank breaks.
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🧠 Definition: The relationship between how much of something is available and how much people want it.
🗣️ Translation: The tug-of-war that sets prices.
🧸 ELI5: If everyone wants lemonade and there’s not much left, the price goes up.
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🧠 Definition:
A tariff is a tax placed on goods imported from other countries. Governments use it to protect local industries, raise revenue, or flex economic muscle in trade negotiations.
🗣️ Translation:
It’s like charging a cover fee at the border. If a product comes from overseas, the government slaps a tax on it—either to make local stuff look cheaper or just to cash in.
🧸 Explain Like I'm 5 Years Old (ELI5):
Imagine you bring candy from another country into your house. Your parents say, “Cool, but you owe us 2 pieces for every 10 you bring in.” That’s a tariff.
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🧠 Definition: The estimated worth of your business.
🗣️ Translation: What people think your hustle is worth.
🧸 ELI5: If someone wants to buy your lemonade stand for $50, that’s your valuation.