2020 Personal Financial Data for Married Couple, Zach and Carly Zach Carly

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

1. Calculate the couple's COMBINED ROI, showing steps: