From Healthy Financial State (财务状态) toward Financial Freedom（财务自由）

Examine your financial state.

1.       Current Ratio 流动比率                  saving / monthly expenses > 600%

2.       Saving Ratio  储蓄比率                  saving / income > 30%

3.       Loan Ratio贷款支出比率               monthly loan installment / monthly income < 30%

4.       Debt Ratio 负债比率                       total loan / total asset < 50%

Financial Freedom财务自由度                 passive income / expenses > 100%