Your new client, Payton, age 35, came into your office today. She provided you with the following information for the year: Income - $100,000 Taxes - $18,000 Rent - $14,000 Living Expenses - $40,000 Credit Card Debt - $12,000 Savings - $5,000 Student Loan Payments - $5,000 Car Payment - $6,000 After receiving this information you created a pie chart to visually depict where her income was spent. Utilizing targeted benchmarks which of the following statements are you most likely to make during you next meeting?

a. You are spending too much on housing. b. Your current living expenses are within the normal range. c. Your mortgage and debt payments are within the normal range. d. Your savings is low but still appropriate for your age.