Rate yourself using debt-to-income ratio - Yahoo! News
everyone, at every age, should save 12 percent of their income
a 30-year-old should have 10 percent of their income amassed in savings, including retirement savings and other household savings.
Savings amassed at 40, 50 and 60 should be 1.7 times income, 3 times income, and 8.8 times income. (not including home equity, unless you sell after retirement)
Add up the mortgage, the student loans, the credit card balances and the remaining balance on the car loan. At age 30, you'll have your highest levels of debt relative to your income, says Farrell. He pegs that number at 1.7, meaning that if you're earning $50,000 at age 30, you should be $80,000 in debt.
To figure out if you're within (the lending ratio) range, add up what you spend in a month on your mortgage, home insurance and real estate taxes, and divide that figure by your monthly gross income. Your answer should be under .28.
Go back and add in your car payment, credit card payments and other debt payments to the first total, and divide again by your monthly gross salary. The answer should be under .36.