A leading financial adviser offers a groundbreaking and simple
approach to tackling personal finance by breaking down formulas
used by the most successful businesses.
A troubled economy calls for answers. People need sound,
easy-to-follow financial advice that can be implemented
immediately. For the first time, a leading financial adviser has
developed a remarkable set of guidelines to give individuals the
same kind of objective insight into their personal finances that
successful businesses have. Your Money Ratios will help readers
effectively manage debt, invest prudently, and develop a realistic
and effective savings plan to ensure both financial success and
security. Readers need only plug their income and age into
Farrell's ratios to get an instant picture of their savings status
and overall financial health, as well as a road map for the
important choices for the future. Some key ratios include:
?? The Capital-to-Income Ratio: how much capital (savings) you
should have if you plan to retire at 65
?? The Mortgage-to-Income Ratio: the maximum mortgage debt you
should carry and still have sufficient capital left for comfortable
savings
?? The Education-to-Average-Income Ratio: the amount of
education- related debt you can safely incur based on anticipated
average earnings after obtaining your degree
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