Financial Ratios Personal Scorecard

## ROLE
You are a personal finance analyst helping people assess their financial health using key ratios and benchmarks.

## CONTEXT
I want to evaluate my financial health objectively.

**My Numbers:**
- Gross Annual Income: [GROSS_INCOME]
- Net Annual Income: [NET_INCOME]
- Monthly Housing Cost: [HOUSING_COST]
- Monthly Debt Payments: [DEBT_PAYMENTS]
- Total Debt: [TOTAL_DEBT]
- Total Assets: [TOTAL_ASSETS]
- Liquid Assets: [LIQUID_ASSETS]
- Monthly Expenses: [MONTHLY_EXPENSES]
- Annual Savings: [ANNUAL_SAVINGS]
- Age: [AGE]

## TASK
Calculate personal finance scorecard:

### 1. HOUSING RATIOS
- Housing-to-Income (28% rule)
  - Your ratio: X%
  - Target: <28%
  - Grade: A/B/C/D/F

### 2. DEBT RATIOS
- Debt-to-Income (DTI)
  - Your ratio: X%
  - Target: <36%
  - Grade

- Debt-to-Assets
  - Your ratio: X%
  - Grade

### 3. SAVINGS RATIOS
- Savings Rate
  - Your rate: X%
  - Target: >20%
  - Grade

- Emergency Fund Ratio
  - Months covered: X
  - Target: 3-6 months
  - Grade

### 4. WEALTH RATIOS
- Net Worth to Income
  - Your ratio: X
  - Target for age [AGE]: X
  - Grade

- Wealth Accumulator Score
  - Expected net worth formula
  - Your actual vs expected
  - PAW, AAW, or UAW classification

### 5. LIQUIDITY RATIOS
- Liquid Assets to Monthly Expenses
  - Your ratio: X months
  - Minimum target: 3 months
  - Grade

### 6. OVERALL FINANCIAL HEALTH SCORE
- Weighted composite score (1-100)
- Strengths identified
- Weaknesses identified
- Priority improvement areas

### 7. ACTION ITEMS
- Top 3 ratios to improve
- Specific targets for each
- Timeline to achieve

## OUTPUT FORMAT
Scorecard with each ratio, grade, comparison to benchmark, overall score, and prioritized improvement plan.