Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to pay yourself first [title] Determine your monthly income. [step] Before paying yourself first, you need to figure out how much to pay yourself. Determining this begins with taking a look at your current monthly income.

Ending1: To determine monthly income, simply add together all your income sources for the month. [substeps] Note that this a net amount or take-home income after deductions from paycheck or applicable taxes. Ending2: Determine if your monthly income should include regular and weekly expenses, regular debt payments, or individual housing costs. For example, suppose your monthly income covers $31 , 000 in real estate expenses ($ 20 per month and $30/week for social security or student loans). Ending3: If your monthly income is much lower than your other monthly expenses, you may be paying yourself first. [substeps] If you regularly do your laundry on a regular basis, you'll need to plan out how much you'll need to pay for your clothes and other expenses. Ending4: [substeps] Know what percentage of your income you can use to pay yourself first and take it into account in planning your payments. Generally, a higher range of income will normally pay faster than a lower range.

Answer format: ending1/ending2/ending3/ending4