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Author: Chester Ray

How Much Does Debt-to-Income Matter?

A debt-to-income ratio is the comparison of one’s gross monthly income to what one spends every month. Generally, the higher the percentage, the less likely an individual will be able to afford repayment for any debts incurred. For example, if your gross monthly income is $5,000 and you spend $4,500 every month, your debt-to-income ratio
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When to Start Investing

Many people have different views on the right time to start investing. Some people might wait until they have a good-paying job. Others maybe had parents who invested early for them. There are a few things to consider when you invest in your or your childā€™s future. Do you have an emergency fund? An emergency
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