1) What is the Scott's annual Net Discretionary Cash Flow? ______

[Round the answer to the nearest cent]

2) What is the Scott's annual Net Non-Discretionary Cash Flow? ______

• Total debt payments
• Utilities, Gasoline for autos, Church donations, Food, Auto maintenance, and Telephone expenses.
• Total insurance payments
• Total taxes

[Round the answer to the nearest cent]

3) What is the Scott's Emergency Fund Ratio (EFR)?_____

[Enter the answer as a whole number with two decimals]

4) What is the Scott's current ratio? _______

[Enter the answer as a whole number with two decimals]

5) What is the Scott's Housing Ratio 1 (HR1)? ______

[Enter the answer in as a percent with two decimal (e.g. 5.55%)]

6) What is the Scott's Housing Ratio 2 (HR2)? ______

[Enter the answer in as a percent with two decimal (e.g. 5.55%)]

7) What is the Scott's debt-to-total assets ratio? _____

[Enter the answer in as a percent with two decimal (e.g. 5.55%)]

8) What is the Scott's Savings Rate, assuming that the employer matches up to 6% per annum on the employee's gross salary? ______

[Enter the answer in as a percent with two decimal (e.g. 5.55%)]

9) What is the Scott's investment assets to gross pay ratio? ______

[Enter the answer as a whole number with two decimals]

Assets Current Assets Cash and Checking Money Market Total Current Assets $ 5,000.00 $ 10,000.00 Liabilities and Net Worth Liabilities and Net Worth Credit Cards Auto #2 Personal Residence Total Liabilities $ 15,000.00 $ 18,000.00 $ 300,000.00 $ 15,000.00 $333,000.00 Total Net Worth Investment Assets 401(k) plan Education savings Brokerage investment Total Investment Assets $ 100,000.00 $ 20,000.00 $ 10,000.00 $ 130,000.00 Personal Use Assets Personal Residence Auto #1 $ 350,000.00 $ 5,000.00 $ 25,000.00 Auto #2 Total Personal Use Assets $ 380,000.00 Total Assets $ 525,000.00 Total Liabilities and Net Worth $ 525,000.00 Cash Inflows Gross Salary Total Cash Inflows $ 150,000.00 $ 150,000.00 Cash Outflows Savings 401(k) Plan Education Savings (529 Plan) Total Savings $ 7,500.00 $ 3,600.00 $ 11,100.00 $ Debt Payments Personal Residence Auto #2 Credit Cards Total Debt Payments $ $ 19,000.00 7,500.00 5,000.00 $ 31,500.00 Living Expenses Utilities Gasoline for Autos Lawn Service Entertainment Vacations Church Donations Food Auto Maintenance Telephone Clothing Total Living Expenses $ 3,500.00 $ 3,000.00 $ 1,000.00 $ 2,500.00 $ 3,000.00 $ 15,000.00 $ 5,000.00 $ 500.00 $ 2,500.00 $ 1,500.00 $ 37,500.00 Insurance Payments HO Personal Residence Auto Premiums Life Insurance Premiums Total Insurance Payments $ 4,000.00 $ 1,000.00 $ 500.00 $ 5,500.00 Taxes Federal Incom Taxes Witheld State Income Taxes Witheld Social Security Taxes Property Tax Personal Residence Total Taxes $ 37,500.00 $ 7,275.00 $ 9,300.00 $ 3,500.00 $ 57,575.00 Total Savings, Expenses and Taxes $ 143,175.00 Assets Current Assets Cash and Checking Money Market Total Current Assets $ 5,000.00 $ 10,000.00 Liabilities and Net Worth Liabilities and Net Worth Credit Cards Auto #2 Personal Residence Total Liabilities $ 15,000.00 $ 18,000.00 $ 300,000.00 $ 15,000.00 $333,000.00 Total Net Worth Investment Assets 401(k) plan Education savings Brokerage investment Total Investment Assets $ 100,000.00 $ 20,000.00 $ 10,000.00 $ 130,000.00 Personal Use Assets Personal Residence Auto #1 $ 350,000.00 $ 5,000.00 $ 25,000.00 Auto #2 Total Personal Use Assets $ 380,000.00 Total Assets $ 525,000.00 Total Liabilities and Net Worth $ 525,000.00 Cash Inflows Gross Salary Total Cash Inflows $ 150,000.00 $ 150,000.00 Cash Outflows Savings 401(k) Plan Education Savings (529 Plan) Total Savings $ 7,500.00 $ 3,600.00 $ 11,100.00 $ Debt Payments Personal Residence Auto #2 Credit Cards Total Debt Payments $ $ 19,000.00 7,500.00 5,000.00 $ 31,500.00 Living Expenses Utilities Gasoline for Autos Lawn Service Entertainment Vacations Church Donations Food Auto Maintenance Telephone Clothing Total Living Expenses $ 3,500.00 $ 3,000.00 $ 1,000.00 $ 2,500.00 $ 3,000.00 $ 15,000.00 $ 5,000.00 $ 500.00 $ 2,500.00 $ 1,500.00 $ 37,500.00 Insurance Payments HO Personal Residence Auto Premiums Life Insurance Premiums Total Insurance Payments $ 4,000.00 $ 1,000.00 $ 500.00 $ 5,500.00 Taxes Federal Incom Taxes Witheld State Income Taxes Witheld Social Security Taxes Property Tax Personal Residence Total Taxes $ 37,500.00 $ 7,275.00 $ 9,300.00 $ 3,500.00 $ 57,575.00 Total Savings, Expenses and Taxes $ 143,175.00