190%

Every bit of that debt is in a 30 year mortgage on a new house that's only 3 years old...and a pair of 2010 model cars...


No credit cards...no other loans...no medical bills at this time, thank God.


Of course this ratio doesnt take equity into account or liquid assets like savings or investment accounts. My rule is that I always have enough cash in my savings account to make a years worth of mortgage payments and utility bills in case disaster strikes.