Finance refers to money management and the act of getting sufficient funds in its most basic form. The management, creation, and analysis of money and investments are all part of finance. Financial systems include money, banking, credit, investments, assets, and obligations, and finance is in charge of managing, producing, and studying them. It is required for the survival and expansion of a firm, as well as the manufacture and distribution of goods and the payment of day-to-day expenses. Individuals, businesses, and government agencies all require finances to function. The process of earning money and then putting it to good use is referred to as "financial management." It comprises the distribution and disposal of surplus for a company's seamless operation. Personal finance, corporate finance, and public (government) finance are the three primary subcategories of finance. Social and behavioural finance are two relatively new subcategories of finance.