What is your friend's emergency fund multiple (ratio) based on the following data: . Monthly gross income = $54,000 Monthly fixed expenses = $2,200 Monthly variable-fixed expenses = $800 Monthly discretionary expenses = $600 Short-term assets = $11,400 Long-term assets = $64,500 Net worth = $51,600 O 3.2 months O 3.8 months O 5.2 months O 21.5 months