10 poi QUESTION 13 Which of the following is not a characteristic of debt? It may make it possible to balance the peaks and valleys in one's spending pattern It does not help one even out life cycle style needs It allows an outlay for a significant capital expenditure All of the above are characteristics of debt None of the above are characteristics of debt, QUESTION 14 W net cash flow is 5500, targeted swings are $400, total income is $2,000, and change in debt is $40, what is the grous savings percentage? 10 points 475 57% 20.5% 125 None of the above