Glossary of Personal Finance Terms AAccredited Investor Asset Allocation Asset Classes BBack-End Load Bid-Ask Spread CCash Flow Compound Interest DDave Ramsey Debt-to-Income Ratio (DTI) Diversification Dividend EExpense Ratio FFHA Loan Front-End Load Ggc Growth Stocks IIndividual Retirement Account (IRA) Investment Time Horizon LLoan-to-Value (LTV) Ratio MMortgage Insurance NNet Worth RRequired Minimum Distribution (RMD) Return On Investment (ROI) Risk Tolerance Roth IRA SSEP IRA Side Hustles TTraditional IRA VValue Stocks 220/8 4401(k)