The acronym "F.I.T.T." in exercise programming stands for Frequency, Intensity, Time, and Type. Frequency refers to how often you exercise, intensity determines how hard you work, time denotes the duration of your workouts, and type indicates the specific kind of exercise (e.g., aerobic, strength, flexibility). Understanding and applying the F.I.T.T. principle helps create effective, personalized exercise plans that align with individual fitness goals and capabilities.