​Rudabeh, 34, and​ Donovan, 31, want to buy their first home. Their current combined net income is ​$68000 and they have two auto loans totaling ​$32000. They have saved approximately ​$13000 for the purchase of their home and have total assets worth $ 56000​, which are mostly savings for retirement. Donovan has always been cautious about spending large amounts of​ money, but Rudabeh really likes the idea of owning their own home although she​ hasn't expressed her preference to Donovan. They do not have a​ budget, but they do keep track of their​ expenses, which amounted to $ 56000 last​ year, including taxes. They pay off all credit card bills on a monthly basis and do not have any other debt or loans outstanding. Other than​ that, they do not spend a great deal of time tracking their financesRudabeh and​ Donovan's months living expense covered ratio is what?