households: the liquidity, debt-to-income (DTI), and solvency ratios. The analytic sample
included nonretired households with incomes no greater than three times the poverty
threshold as reported by the US Census Bureau. From the 2010 Survey of Consumer
Finances data set, the authors found that households in the higher poverty threshold were
more likely to meet the recommended guidelines for the DTI and solvency ratios. This study …