2020 Personal Financial Data for Married Couple, Zach and Carly
	Zach	Carly	Joint	Total
Annual Income (gross)	111,000	78,000		189000
401(k) contribution (annual)	18,000	3900		21900
401(k) maximum employer match ($1 per $1 employee contribution)	4%	5%
Employer match contribution from %above	4440	3900		8340
401(k) end yr balance (including above contributions)	98,000	47,250		145250
401(k) balance (beginning of year)	78,000	35,000		113000
Monthly housing costs			2950
Other monthly debt payments	1350	950		2300
Total monthly non-discretionary cash flows	3000	2200	2950	8150
Cash & cash equivalents	20000	12000		32000
Total debt	55000	35000	200000	290000
Total assets	152000	94000	275000	521000
Note: Data items are from end of year, except where specified otherwise.

8. In comparing Carly's and Zach's ROI, who made a better investment?