Can you give a brief explaniation what these ratios mean and if the ratio/percentage for each are higher or lower than recommended levels.

Financial Well-Being Ratio Analysis
Area	Calculation		Ratio
Living Expenses Covered Ratio	Monetary Assets/Monthly Living Expenses		75.36%
Debt Ratio	Total Liabilities/Total Assets		48.22%
Debt Service to income Ratio	Annual Debt Payments/Annual Income		29.57%
Saving Ratio	Annual Savings/Annual Living Expenses		6.96%
Investment Assets to Total Assets Ratio	(Investment Assets+Retirement Assets)/Total Assets		72.38%