Summarise Your Financial Position in Three Numbers

You know you earn money and spend money and have some savings. What you do not know is whether any of those numbers tell a story worth paying attention to. This runs three quick ratios on your figures and tells you what they mean, without the spreadsheet or the financial adviser.

Using the financial figures below, produce a three-number summary of this person's financial position:

- Net monthly income (after tax): {NET_INCOME}
- Total monthly outgoings (all fixed and regular): {TOTAL_OUTGOINGS}
- Total current savings or liquid assets: {SAVINGS}
- Total debt outstanding: {TOTAL_DEBT}

The three numbers to produce:
1. Monthly surplus or deficit (income minus outgoings), with a one-sentence interpretation
2. Months of expenses covered by savings (savings divided by outgoings), with a one-sentence interpretation
3. Debt-to-income ratio (total debt divided by annual net income), with a one-sentence interpretation

After the three numbers, one sentence: the single most important financial action this position suggests.

Do not give investment advice. Do not recommend specific financial products.