For this case we have to represent the following expression algebraically:
"10 less than x is -45"
So:
10 less than x is represented as: 
Then, the complete expression is represented as:

Adding 10 to both sides of the equation:

Thus, the value of the variable is 
Answer:

Well 2 months and 16 days
It’s a good step because you know where you are at in present time as well as looking ahead into the future financially.