I was at work trying to describe to a fellow writer that someone was well-off.
They were, as I said, “Uh-FLU-uhnt.”
She laughed at me.
Once she composed herself, she said, “I’m sorry, don’t you mean “AFF-loo-uhnt?”
She told me that I was referring to “effluent,” as in sewage.
By my ear, that’s “EF-loo-uhnt.”
I can appreciate the miniscule difference – but even in that narrow gap, it sounds clear enough to me.