I think when people say “capital” they mean “Money” ie liquid value that they have accumulated that they could deploy into an investment easily. I don’t think capital would refer to real estate value but might refer to stocks/bonds/mutual funds/cash/bitcoin because they are liquid

Think of money as a way we all agree to buy and sell things, like a universal language for trading. Money can be cash, coins, or digital currency. It helps us buy the things we need or want, pay our debts, and save up for the future. It's also a way for us to measure and compare the value of different goods and services.

Now, capital is more about the resources we use to create goods and services, which helps us make income or profit. There are two main types of capital: physical capital and financial capital.

Capital can be any asset, money is the most saleable good

It would be interesting to see how different the answer would be in different circles. I imagine you'd get a different answer from David Harvey / left twitter eg

Thank you all for contributing to my comprehension ! I have zapped you all based on how much clearer the difference is after reading.

What is difference between cash money and capital in accounting? Cash means cash in hand or cash at bank at the end of year. Whereas Capital means excess of total assets over total liabilities. Il have my sats now lol