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Luis monthly gross income is $3,620. his employer withholds $543 in federal and provincial income taxes and $172 in canada pension plan contributions per month.

Luis monthly gross income is $3,620. his employer withholds $543 in federal and provincial income taxes and $172 in canada pension plan contributions per month. luis contributes $290 per month to his RRSP. his monthly credit payments for visa and mastercard are $74 and $54, respectively. his monthly payment on an automobile loan is $380
1. what is luis's debt payments to income ratio?
2. is luis living within his means ?

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