The mix of different financial vehicles (such as bonds, stocks, ETFs, cash, mutual funds) that an investor can spread their money across. It's important to maintain an asset allocation that's in line with your risk tolerance.The movement of a person's, household's, or business's money—coming in as income and going out as expenses.The percentage of your available credit that you are using. In other words, your total outstanding credit-card balance divided by the total of all your credit cards' credit limits.The lump sum of money you pay toward buying a home when you take out a mortgage. Making a down payment of at least 20% of the price of the home prevents you from having to pay private mortgage insurance, an extra fee that protects the lender.A savings account that allows you to contribute pre-tax money to use for qualified medical expenses. Unlike with an HSA, you may lose some or all of the money if you don't use it by the end of the year.A term that describes how quickly and easily you can pull cash out of a particular asset.