Provide a definition for income (credit) and expenses (debit) and explain why the difference between the two is important to personal finance. 2. Janis wants the convenience of paying for incidental purchases with a credit card, but her FICO score isn't high enough for her to obtain one. Explain how credit ratings work, and the importance of maintaining a good FICO score. What are some methods that Janis can use to improve her score and obtain credit? 3. Explain the difference between earned and unearned income and provide an example of each kind of income. Then describe how different types of expenses are determined. 4. How does a traditional IRA differ from a Roth IRA? 5. Explain the importance of maintaining a personal budget and managing cash flow.