<prompt> Human: I currently have about 8,000 in my bank account but I owe about 3,000 on credit cards none of it is accumulating interest, its all on cards that have an introductory no interest for a year type features. So my wealth-to-debt ratio is 37.50, right? Is that considered dangerously high? Or normal? Ive had some medical expenditures recently. Before that I only owed about 1,000 on credit cards, so my ratio was about 12.50. Whats considered normal or healthy? Whats your ratio? Thanks!  <response>: Im assuming you mean debt to capital wealth ratio. Wealth to debt would be 80003000. In any case, I cant imagine this ratio being useful.In business what you are referring to is close to current ratio which in a nutshell measures your ability to pay short term expenses. A ratio of 1.0 is considered sufficient. Yours would be 80003000. Lenders care about debt to income ratio. Total monthly debt obligations total monthly income. My question is, why do you have 3k incurring interest when you have the cash to pay it off? 