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I could get fired from my job, be forced to work for minimum wage and my "FIRED" ratio by your calculation goes up to 100 to 110 or so, when my situation has acutally worsened substantially.

Exactly. And the converse is that getting a raise lowers the "FIRED" ratio even though it means better financial shape. NW/expenses is a much better measure than NW/income.

- Erik
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