Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to save for retirement as a single parent [title] Create a budget. [step] Before you can save for retirement, you need to make sure you have enough money to pay your expenses. If you don't, you'll only fall deep into debt, which can be difficult to claw your way out of.

Ending1: Sit down with your bills and identify the following : [substeps] Fixed expenses. These include things like your rent or mortgage, car payment, debt payments, and insurance costs. Ending2: [substeps] Think of your budget as your total expenses. It should be at least 75% of your income. Ending3: Pick a monthly budget that is balanced with your annual budget. [substeps] Aim to save at least 70% of your income to offset your debt. Ending4: Do some research to find out what you can reasonably put aside for retirement. [substeps] Visit the government's website to get a " expenditure " check.

Answer format: ending1/ending2/ending3/ending4