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Financial WELLNess GLOSSARY

Investment and Savings

Terms related to growing and protecting your money, including investment accounts, interest rates, and savings strategies.

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Emergency Fund

Emergency Fund

A savings account used to cover unexpected financial events, such as medical emergencies or job loss, typically holding 3–6 months' worth of living expenses.

Investment and Savings

Employee Stock Purchase Plan (ESPP)

Employee Stock Purchase Plan (ESPP)

A program that allows employees to purchase company stock at a discounted price, usually through payroll deductions.

Investment and Savings

Equity Compensation

Equity Compensation

A form of non-cash compensation that represents ownership in the company, often through stock options, restricted stock units (RSUs), or ESPPs.

Investment and Savings

Financial Resilience

Financial Resilience

The ability of an individual to withstand and recover from financial shocks or setbacks, such as unexpected expenses or loss of income.

Investment and Savings

Financial Stress

Financial Stress

The anxiety and strain caused by an individual’s financial situation, often linked to debt, inadequate savings, or unexpected expenses.

Investment and Savings

Gross Income

Gross Income

The total amount of income earned before taxes or other deductions are taken out.

Investment and Savings

Lifestyle Inflation

Lifestyle Inflation

The tendency to increase spending as income rises, leading to difficulty saving or building wealth.

Investment and Savings

Living Wage

Living Wage

The minimum income necessary for an employee to meet their basic needs, including food, housing, and other essentials.

Investment and Savings

Net Income

Net Income

The amount of money an individual takes home after taxes and other deductions, often referred to as “take-home pay.”

Investment and Savings

Stock Options

Stock Options

A benefit that gives employees the right to purchase company stock at a set price after a certain period, often used as a long-term incentive.

Investment and Savings