Human capital refers to:

Human capital refers to the skills, knowledge, and experience that individuals acquire through education, training, and work experience. It emphasizes the value of human abilities in contributing to economic productivity and growth. The concept signifies that investments in education and training can enhance a person's productivity and potential earnings, making it a key factor in economic development and competitiveness.

In contrast to financial assets, which pertain to monetary resources that individuals possess, or physical tools used in manufacturing, which relate to tangible inputs in the production process, human capital focuses specifically on the individual attributes that enhance human productivity. Additionally, natural resources, while essential for economic activity, encompass materials extracted from the earth and do not relate to the personal skills and qualifications of individuals. Thus, the correct definition of human capital is indeed linked to the skills and experience attained through education and training.