itemsperson financial casebeforenature diagnosis financial ratio analysis tool. 'financial-analyst' and 'finance-reviewer' agent financial status diagnosisand figure verifyto do when this skill's financial ratio official, casebeforenature standard, diagnosis framework must be utilized. 'financial casebeforenature diagnosis', 'financial ratio analysis', 'total financial inspection' etc. However, investment strategy tax savings approach is outside this skill's scope.
itemsperson/ financial casebeforenature core ratio diagnosisand, improvement direction present.
savingsrate = (month savings + investment) / taxafter month × 100
: 20%+ quality: 10-20% risk: 10% less than
taxdepartment standard:
20versus: 15%+ (asset naturebasis)
30versus: 20%+ (within preparation)
40versus: 25%+ (training·retirement preparation)
50versus: 30%+ (retirement during)
nature = month expense / taxafter month × 100
: 60% or less quality: 60-80% risk: 80% exceeding
50/30/20 rule:
required expense(week··): 50% or less
optional expense(·): 30% or less
savings·investment·debtexchange: 20% or more
specialist ratio = asset / month required expense
: 6months+ quality: 3-6months risk: 3months less than