The debt payments-to-income ratio is:
a. determined by dividing your assets by your liabilities.
b. calculated by dividing monthly debt payments (excluding mortgage payments) by net monthly income.
c. calculated by dividing total liabilities by net worth.
d. rarely used by creditors in determining creditworthiness.
e. a useless ratio for determining your credit capacity

Ithink the answer is did a.

Planning for the future should be as important as planning any aspect in your life. when you retire, you will be faced with a big turning point in your life such as having to deal with your personal growth, your relationship with your family and friends, and finding purpose and happiness in life. you should be prepared not just financially, but emotionally and mentally. make sure that after all the work that you've done for all your life, you find the time to relax and enjoy your retirement with your family, friends, and yourself.