I need help finding the ratio calculations! Thanks

Based on the information they provided to you: 1. Construct their Balance Sheet and their Cash Flow Statement. 2. Calculate their financial well-being through the use of Ratios. 3. Explain their financial well-being and recommendations. Harry's Salary Sally's Salary Home value Mortgage payment 2010 Lexus fair market value Checking Account balance Groceries Investment Account balance (that holds mutual funds) 2010 Lexus loan payment Past Due Utility Bill Utilities Expenses Credit Card balance Entertainment 2010 Lexus loan balance Stamp Collection Gas Mortgage balance Credit Card payments Jewelry Savings set aside each year towards a new car Tax Refund Money Market Account balance 401(k) Account balance Cash Auto Insurance payments $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 24,000 24,000 200,000 12,000 38,000 900 6,000 500 6,000 200 1,200 1,000 2,400 25,000 1,900 3,600 180,000 2,400 100 600 1,000 2,000 500 100 960 $ $ Cash Flow Statement Harry and Sally Jones January 1 - December 31 CASH INFLOWS Income Harry's Salary Sally's Salary Tax Refund Annual Amount $24,000 $24,000 $1,000 Total Cash Inflows $49,000 CASH OUTFLOWS LIVING EXPENSES Fixed Expenses Mortgage Payment Auto Insurance Payment 2010 Lexus Loan Payment Annual Amount $12,000 $960 $6,000 $18,960 Total Fixed Expenses Variable Expenses Utilities Groceries Credit Card Payments Savings Set Aside Each Year For a New Car $1,200 $6,000 $2,400 $600 $3,600 $2,400 Gas Entertainment $16.200 Total Variable Expenses Total Living Expenses $35,160 NET DISCRETIONARY CASH FLOW $13,840 Harry and Sally Jones Balance Sheet as of December 31 ASSETS LIABILITIES & NET WORTH Monetary Assets Amount Current Liabilities Amount Cash Checking Account Balance $100 $900 Credit Card Balance Past Due Utility Bill Total Current Liabilities $1,000 $200 $1,200 Total Monetary Assets $1,000 Long-Term Liabilities Investment Assets Investment Account Balance (that holds mutual funds) Money Market Account Balance $500 $2,000 Mortgage Balance 2010 Lexus Loan Balance $180,000 $25,000 Total Investment Assets $2,500 Total Noncurrent Liabilities $205,000 Retirement Assets Total Liabilities $206,200 401(k) Account Balance $500 $500 Total Retirement Assets Net Worth $37,800 Housing Home Value $200,000 Total Housing $200,000 Automobiles and Personal Property Jewlery 2010 Lexus Fair Market Value Stamp Collection Total Automobiles and Personal Property $100 $38,000 $1,900 $40,000 Total Assets $244,000 Total Liabilities and Net Worth $244,000 Financial Well-Being Analysis Harry and Sally Jones RATIOS Area Calculation Ratio Recommended 3 to 6 months Living Expenses Covered Ratio Debt Ratio Debt Service to Income Ratio Saving Ratio Investment Assets to Total Assets Ratio Monetary Assets / Monthly Living Expenses Total Liabilities/Total Assets Annual Debt Payments / Gross Annual Income Annual Savings / Annual Living Expenses (Investment Assets + Retirement Assets) / Total Assets less than 1 less than 36% 10% or more 10% or more How well are Harry and Sally managing their finances? Provide examples from the financial statements and ratios. (minimum 50 words) What area(s) can Harry and Sally improve on with their finances? Provide examples from the financial statements and ratios. (minimum 50 words)