A utxo is like a cash money bill in your wallet, except it can be for any amount and when you use it to pay for something that is less than that amount it's more like coins that you melt down and get new ones of different sizes to use, but its not like you make the pizza bigger when you cut it into more slices so really what you need to know is that its like a postcard and when you spend it on something everybody else can see where it came from so you don't want to reuse the same return address. Its pretty much a link in a cryptographically verified chain of electronic global consensus for humanity.

Don't even get me started on what a lightning channel is.