Here are some examples of how "spell it out" is used:
* "I'm not sure I understand. Can you spell it out for me?"
* "The teacher spelled out the instructions so that everyone would understand."
* "I don't want to spell it out for you, but you need to be more responsible."
Essentially, it's like taking a complex idea and breaking it down into smaller, easier-to-grasp pieces, similar to how you would spell out a word letter by letter.