You are conducting an assessment of Sandheep and Indira's finances in preparation of their Client Profile. Their family home is worth $350,000 and has an outstanding mortgage of $333,670. They have 2 family cars, one of which has 2 years of payments outstanding for $400/month. They also have an outstanding balance on their credit cards of $8,000, and some outstanding tax liabilities and other obligations of $3,000. What does your assessment about their assets and liabilities tell you?