It’s like the change you receive in a physical store.

Say you buy smth worth $6,45. And you pay with a $10 note. You’ll receive $3,55 back. That $3,55 is the UTXO, at least I think so

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Incorrect

Enlighten me then?

In your example both the beginning amount and the remainder are UTXOs. Not just the remainder. Of course, she would only be able to spend the remaining UTXO which is generally called change or a UTXO sent to change address. All BTC on-chain are UTXOs.

It's better to think of it as a ledger or a flow chart where the earlier transactions are completely consumed/crossed out after being spent.

What he said