<prompt> Human: I think it would be beneficial if I knew what youre all talking about, I feel like I understand half of the advice here because I have no idea what some of the things you guys say mean? Also, I good helping of money math would help too. I have no idea when Im looking at 3 percent interest for 4 years vs 4 percent for 3 years what is actually better best example I could come up with on the spot!, You get the idea. I want to understand WHY one is better in a money sense, not just know that one is better.  <response>: I feel as though you have not read the wikis yet : to star with... 