Using the data from the cash-flow statement developed by Harry and Belinda, calculate the following financial ratios. Round your answers to two decimal places.

Liquidity ratio fill in the blank 2 % Asset-to-debt ratio fill in the blank 3 % Debt-to-income ratio fill in the blank 4 Incorrect Incorrect % Debt payments-to-disposable income ratio Hint: For disposable income, take into consideration health life insurance, as well as federal, state, and social security taxes. fill in the blank 5 % Investment assets-to-total assets ratio fill in the blank 6 %

Cash-Flow Statement for Harry and Belinda Johnson July 1-December 31, 2023 (First Six Months of Marriage) Balance Sheet for Harry and Belinda Johnson January 1, 2024 Percent Dollars Cash Flow Income 37.5% $24,000 Harry's gross income 57.5% 36,840 Belinda's gross income 0.3% 180 Interest 47% 3,000 Harry's trust fund (Annual) 100% $64,020 Total Income Expenditures Fixed Expenses 15.0% $9,600 Rent 2.8% 1,800 Health insurance 0.2% 120 Life insurance 0.3% 220 Renter's insurance 0.9% 600 Automobile insurance 4.6% 2,940 Auto loan payments 2.8% 1,800 Student loan payments 1.5% 960 Cable TV and Internet 1.5% 960 Savings/emergencies 1.8% 1.170 Harry's retirement plan 3.7% 2,400 Belinda's retirement plan 15.9% 10,200 Federal income taxes 47% 3,000 State income taxes 7.2% 4,640 Social Security taxes 0.5% 300 Automobile registration 63.6% $40,710 Total Fixed Expenses Variable Expenses 4.7% $3,000 Savings money market fund 5.9% 3,800 Food (home) 2.9% 1,860 Food (out) 2.1% 1,320 Utilities 1.0% 660 Cell phones 1.8% 1,150 Auto gas/maintenance/repairs 1.8% 1,140 Doctor's and dentist's bills (non-credit) 0.5% 350 Medicines 1.9% 1,200 Clothing and upkeep 0.9% 550 Church and charity 1.7% 1,070 Gifts 1.5% 940 Public transportation 3.7% 2,400 Personal allowances 1.5% 960 Entertainment 1.2% 780 Family holiday trip 1.9% 1,200 Summer vacation 0.9% 560 Miscellaneous 35.8% $22,940 Total Variable Expenses 99.4% $63,650 Total Expenses 0.6% $370 Surplus (Deficit) Assets Monetary Assets 3.9% $1,130 Cash on hand 4.2% 1,200 Savings (First Credit Union) 13.9% 4,000 Savings (Far West Savings Bank) 7.8% 2,260 Savings (Homestead Credit Union) 7.3% 2,100 Checking (First Credit Union) 37.0% $10,690 Total Monetary Assets Tangible Assets 37.8% $10,900 Automobile (3-year old Toyota) 8.3% 2,400 Personal property 5.2% 1,500 Furniture 51.3% $14,800 Total Tangible Assets Investment Assets 4.1% $1,170 Harry's retirement account 7.6% 2,200 Belinda's retirement account 11.7% $3,370 Total Investment Assets 100.0% $28,860 Total Assets Liabilities Short-Term Liabilities 1.4% $390 Visa credit card 0.2% 45 Target credit card 1.5% 430 Dental bill 3.0% $865 Total Short-Term Liabilities Long-Term Liabilities 47.5% $13,700 Vehicle loan (First Credit Union) 28.8% 8,300 Student loan (Belinda) 76.2% $22,000 Total Long-Term Liabilities 79.2% $22,865 Total Liabilities 20.8% $5,995 Net Worth 100.0% $28,860 Total Liabilities and Net Worth