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THE ME-P DISCLAIMER: Posts, comments and opinions do not necessarily represent iMBA, Inc., but become our property after submission. Copyright © 2006 to-date. iMBA, Inc allows colleges, universities, medical and financial professionals and related clinics, hospitals and non-profit healthcare organizations to distribute our proprietary essays, photos, videos, audios and other documents; etc. However, please review copyright and usage information for each individual asset before submission to us, and/or placement on your publication or web site. Attestation references, citations and/or back-links are required. All other assets are property of the individual copyright holder.
Dr. David Edward Marcinko; MBA MEd
SPONSOR: http://www.MarcinkoAssociates.com
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1. Emergency Fund Ratio
- Measures how many months of essential expenses you can cover.
- Target: 3–6 months minimum.
2. Debt-to-Income Ratio (DTI)
- Shows how much of your income goes to debt payments.
- Target: Below 36% is generally healthy.
3. Savings Rate
- Percentage of income you consistently save.
- Target: 15–20% or more.
4. Net Worth Trend
- Whether your net worth is rising, stable, or declining.
- Target: Positive and growing over time.
5. Credit Score Health
- A proxy for financial responsibility and borrowing power.
- Target: Good to excellent range.
6. Income Stability Index
- Consistency of earnings over time.
- Target: Predictable income with low volatility.
7. Expense-to-Income Ratio
- How much of your income goes to living costs.
- Target: 50% or less for essentials.
8. Retirement Contribution Rate
- Whether you’re investing for long-term security.
- Target: At least enough to get employer match, ideally 10–15%.
9. Liquidity Ratio
- How easily you can access cash for unexpected needs.
- Target: Liquid assets ≥ short-term liabilities.
10. Insurance Coverage Adequacy
- Protection against financial shocks.
- Target: Health, disability, and basic life insurance in place.
11. Financial Transparency Score
- How openly you can discuss money with your partner.
- Target: High comfort and clarity.
12. Shared Financial Values Alignment
- Agreement on spending, saving, debt, lifestyle, and goals.
- Target: Strong alignment or willingness to compromise.
13. Future Financial Goal Readiness
- Whether you have clear, realistic plans for major shared goals.
- Examples: housing, kids, travel, career changes.
- Target: Defined goals with actionable steps.
COMMENTS APPRECIATED
SPEAKING: Dr. Marcinko will be speaking and lecturing, signing and opining, teaching and preaching, storming and performing at many locations throughout the USA this year! His tour of witty and serious pontifications may be scheduled on a planned or ad-hoc basis; for public or private meetings and gatherings; formally, informally, or over lunch or dinner. All medical societies, financial advisory firms or Broker-Dealers are encouraged to submit an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com
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