Hey there, this is Motley Fool Answers. It's a brand new year and same, just really great answers.

I'm joined by Robert Brokamp. He's the advisor on Motley Fool's Rulier Retirement. He's also a certified financial planner and has won several dance contests in his life.

It's true. A little unknown fact.

From square dancing to couples dancing.

So I'm also joined by Dayana Yoakum.

She's a personal finance expert here at The Fool, author of Motley Fool's Guide to Couples in Cash,

and she played the violin until age three, wait, started age three.

And then she decided to rebel at 15 and take up the cello.

Yeah, take that, mom and dad. You're so tough. Rebel. So, the bottom line is, happy New Year.

Happy New Year.

Insert noise makers here. Oh, yeah, that's right. We were going to bring in some noise makers, but instead we're just going to yell, happy New Year at you.

It's the year of the wood sheep and the Chinese New Year. Just keep that. The what? The wood sheep.

The wood sheep. And it's traditionally a bad year to have a kid, so people in China have been rushing to make children before this year. True story. It was in the Washington Post. I don't even know what a wood

sheep is. I don't know either. But I'm not going to be making any babies anytime soon. So,

today we're going to give you our five-point checklist so that you can have a financially fit

2015. Then we're going to have a quiz bowl time where we're going to pit Mono E. Womano.

The latter one is Diana.

The latter one is Diana.

So let's just get started.

Now, we're not going to call these resolutions.

A lot of people call them resolutions.

They'll be like, here's your financial resolutions for 2015.

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