Louise McIntyre’s monthly gross income is $4,000. Her employer withholds $800 in federal, state, and local income taxes and $320 in Social Security taxes per month. Louise contributes $160 each month to her IRA. Her monthly credit payments for Visa and MasterCard are $70 and $60, respectively. Her monthly payment on an automobile loan is $570. What is Louise’s debt payments-to-income ratio? Is Louise living within her means?