2017 Personal Financial Data for Married couple, Zach and Carly Note: Data items are from end of year, except where specified otherwise. Joint Zach 111,000 Carly 78,000 Annual Income (gross) 401(k) contribution (annual) 401(k) maximum employer match ($1 per $1 employee contribution) 18,000 4% 3900 5% 401(k) balance (including above contributions) 401(k) balance (beginning of year) 98,000 78,000 47,250 35,000 2950 Monthly housing costs Other monthly debt payments Total monthly non-discretionary cash flows 1350 3000 950 2200 2950 Cash & cash equivalents Total debt Total assets 20000 55000 152000 12000 35000 94000 200000 275000 Question 3 2 pts Calculate the couple's housing ratio 2