create a personal cash flow statement and calculate key financial ratios (e.g., debt-to-income ratio, savings ratio) based on $85,000.00 monthly income and expenses. How can this analysis help you assess your financial health and make informed decisions regarding budgeting, savings, and debt management?” Create a spreadsheet based on this template( ATTACHED) and discuss your results in this week’s discussion forum. Keep the discussions focused on a primary thesis and less than 300 words to avoid hyperbole and puffery. Just the facts, please. Long-winded compliments, off topic meandering and puffery do not count.
Discussions are required and informal, but they must be substantive and demonstrate critical thinking. So if you make a claim, don’t assume anything is common knowledge, but at least support why you believe it is a fact. (self-examination is not easy but is a critical element for making financial decisions) For example, if you believe it is impossible to plan and save for retirement in your 20’s, you must support it with a fact related to economic trends. APA citations are not required in discussions. They are informal but just the facts. Think about your answer and consider why you believe it is true.
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