käyttövaraa
Käyttövaraa is a Finnish term that translates to "available resources" or "scope for action" in English. It refers to the amount of freedom, flexibility, or capacity a person, organization, or system has to make decisions and take actions. The concept is often applied in various contexts, including personal finance, business strategy, and resource management.
In personal finance, käyttövaraa can denote the disposable income or savings available for spending or investing
The concept of käyttövaraa emphasizes the importance of having reserves or slack that allows for adaptation