You have the following financial information on the Haring family: $300,000 $10,000 Total assets (including a house) Checking and savings account Monthly after-tax income Total monthly expenses $5,500 $5,000 Monthly savings $300 Monthly debt payments $2,000 Total debt (including mortgage) $280,000 What is the Haring family's savings ratio? 10% 5% 18% 4%