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

personal finance expert here at The Motley Fool, and he's also the advisor on Motley Fool's

Rule Your Retirement Newsletter. Hi, Allison. Hi, Robert. It's time to throw open the windows,

break out the Claritin, and embrace springtime.

So today we're going to help you give your finances a thorough scrubbing with advice for having your very own financial health day.

We'll also answer your questions about finding the right savings rate,

and we'll finish up by putting a financial spin on a few drinking games.

Do we officially go off the rails in this episode? Let's find out! Spring break! Woo!

Today's answers answers question comes to us from Matt, and he writes, My wife and I recently

got married, congrats. Congratulations. And we've been discussing finances quite a bit.

Nice going.

We're both 31.

We'd love to be able to buy a house in the future, so this is a big goal for us, although

we live in Los Angeles where real estate prices make us want to cry.

I hear you, brother.

We have a sizable emergency fund, six plus months expenses already. I'm currently

maxing out my 401k and both of our Roth IRAs. The only debt we have is 8,000 of student loans

at about 4.5%. So, what suggestions do you have for analyzing our income and expenses to determine

a savings rate and allocation

for our long-term goals?

Well, first of all, that is a very impressive savings rate.

So he's maxing out his 401k, that's $18,000, and then maxing out two IRAs.

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