This is Motley Fool Answers. I'm Allison Southwick and I'm joined as always by Robert Brokamp,

personal finance expert here at the Motley Fool. Hi Allison. Hi, Robert. How are you doing today?

Just great. How are you? I'm doing really well. Today's going to be a fun show. So let me just segue into that, shall we?

Sure. We have Johnny Wethersby in the studio with us. Hi, Johnny. Yo. All right, you're going to

learn more about who he is later. If you're in your 20s, congratulations, you're a millennial,

which is the best time to start making good money decisions. You got to get your ducks

in a row so they keep on quacking all the way to happy retirement. That's a really awful metaphor,

but you get what I'm saying. Today we're going to talk about seven basic and relatively easy

things that millennials and really anyone should do with their money. But first on the show,

it's a great time

of year for a state of the finances review. So Bro is going to walk us through how to grade

your own investing performance. And before we're done, we'll hit our producer Rick on the

head with the shame stick really hard with your help. I could see him squirming in the studio.

This is going to be so awesome.

All that and more on this week's episode of Motley Fool Answers.

It's time for Answers Answers, where we give money answers to your money questions.

And the question for today comes from Matthew, also known as befuddled in Boston. He says, I have an option to put

my bonus into my 401k. When I went to do this, I found that my yearly rate of return is

negative 3.58% while the S&P is up 1.2%. I'm in a target retirement fund, and I honestly do

not know what I'm doing, but I do not like to

see negative returns. Should I be worried that I'm in the wrong plan?

I would say, first of all, good for you for looking at your returns, and this is particularly

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