财物 (cái wù) refers to tangible personal property and belongings — the physical items you own. It is narrower than 财产 (cái chǎn), which includes both tangible and intangible assets like real estate and investments, and more concrete than 财富 (cái fù 'wealth, riches'). 资产 (zī chǎn) is a formal term for assets in a business/finance context, while 钱财 (qián cái) specifically means money and financial resources.