Learn Turkish: Biz yatırım yapacağız, borç almayacağız. - We will invest, we will not take on debt.

The future tense suffix is normally -acak or -ecek. However, when you add the "we" ending -ız, which starts with a vowel, the k is caught between two vowels. In Turkish, a k between vowels almost always softens into a ğ. So, yap-acak-ız becomes yapacağız.

In almayacağız, why is there a y in the middle of the word?

That y is a buffer letter used to keep two vowels from crashing into each other. The verb is al- (to take), and the negative suffix is -ma. Because alma- ends in a vowel and the future suffix -acak starts with one, we must use a buffer: alma-y-acak-ız, which then softens to almayacağız.

The English translation says "invest," but isn't yapacağız from the verb yapmak (to do/make)?

Exactly! Turkish doesn't generally use a single verb for "to invest." Instead, it pairs the noun yatırım (investment) with the helper verb yapmak. You are literally saying "we will make an investment."

Do we really need the word Biz at the beginning if the verbs already tell us who is acting?