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Work is better when you don’t need the money
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What finance apps for net worth / tracking do folks use, especially since mint is shutting down? I tried free trials on YNAB and copilot but not sure they’re worth $100/year…

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Does anyone have experience with a cash balance benefit plan? I have one through my company that has a modest balance and I’ve never considered it to play a significant part of my retirement, however … more

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Just hit a major personal milestone on my FIRE journey and as usual, I can’t really share this with friends or family so getting this off my chest here and celebrating with you all!

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likeuplifting

What’re everyone’s favorite ETFs?

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Im addicted to buy VTI - any suggestions?

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This is a bragging post, but I’m so excited and I can’t really share in my social circle. Today, just before I hit 31 years old, I hit 1 million net worth as a household 🎉

Nothing fancy, no inheritances, no pare… more

likeuplifting
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My husband & I are both 26yo, living in NYC, have an HHI of $285k gross, net worth of $510k, no financial debt. What price home/apt can we realistically afford?

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Marriage can help accelerate, but boy can divorce utterly destroy a lot of progress.

FIRE advice - protect against the downside when it comes to getting the government involved in your relationships.

Divorce is a… more

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Rear ended and totaled my car. The truck I hit was fine and the guy was fine. Truck was affected at just 2 inch scratch and the guy was fine.
Heard from my insurance today they have an attorney and are asking how much … more

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Wondering if anyone here either married or in a relationship who lives off of one person’s salary. My partner and I will be getting married, and I think that splitting expenses as a married couple is … more

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Anyone can help me understand how back door Roth IRA works? Do I just put $6500 in a traditional IRA and try to convert it to my existing Roth IRA?

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I forgot about the backdoor Roth this year and don't have spare cash to put toward it. I was planning to put $3750 from each of my last two paychecks for the year into index funds (part of my regu… more

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Do you believe the “Millionaire Mind” principle that people who have salaried jobs are unlikely to accumulate wealth in the millions? Is it necessary to move from being paid for time (which limits inc… more

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Has anyone ever sold their business class seat on a flight to someone in economy?

likefunny

Anyone know the best place to get long term care insurance at an affordable rate? In my late 30s and would like to plan for it.

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Hello! I need to elect my 401k deductions. I have a choice between before or after tax (Roth). I get the basics between them and I have more than 5 years before I retire. Are there any downsides to th… more

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I would love some advice and thoughts on this.

I’m going to renovate my property and I’m thinking on the financing of this purchase. Would it be a terrible idea to do a 0% apr credit card for 12 months and then d… more

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Visited my family this weekend and learned that family friend members stand to inherit double digit millions given some stock bets during covid that paid off. It just made me wonder how that would aff… more

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I so desperately want to win the lottery. I feel like the freedom to do a career I want and not be tied to my job would be such a life enhancer….. I buy tickets every week just dreaming of a life with… more

likefunny

Almost break even started at -154,000 on may 2020.

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likeuplifting
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Are you ahead or behind? I have a feeling FIRE people are generally well ahead of the average American.

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When you do a backdoor Roth contribution, what is the date used to calculate taxes based on the IRA balance? I had a large IRA balance earlier this year but rolled it into my 401k so my new balance is… more

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Is NVDA a good stick to invest in? There is so much volatility.

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Recently (November) my trading account was moved from TDAmeritrade to Charles Schwab. But, Charles Schwab doesn’t show my portfolio performance prior to November. Is there any way I can get that data… more

likehelpful

ETH- $13,000
401k-$102,000
VOO-$26,000
Stocks-$33,000
HYSA-130k
BOFA-18k
Should I do anything else to readjust my investments? My goal is to make 4mn by age 50 (current age 33)- Current salary is 250k (sing… more

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I am having a kid soon and was wondering if there are any tax advantaged accounts for them I can open for investing? I am somewhat familiar with 529, but are there others?

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For those that own real estate. What are creative ways you’ve financed your renovation?

I’m planning on getting my bath and kitchen remodeled. I was thinking a long term 0% apr credit card - but I’m c… more

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I’m looking into setting up a 529. Does anyone know if it’s matter where the beneficiary would go to college? Out of state? Out of the country?

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Thoughts on buying rental homes every year?
I (32M) and my wife make $300k combined, and am thinking about buying ~$300-400k homes every year and renting them out. Thinking they’ll pay themselves off w… more

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Thoughts on dollar cost averaging for XEQT?

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What’s the fidelity equivalent of VTSAX, VTI , VOO?

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What is a good amount to spend on car insurance as a 24 year old that’s always been on parents insurance? It’s been 3 years since I’ve had a car since I’ve been living in a big city. Was offered $175 … more

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After ALL expenses, debts, etc., how much should you be saving on a monthly (or yearly) basis? 40 years, married with 2 kids.

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Which 401K (pre-tax, Roth or after-tax) makes the most sense for someone in their late 20s?

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Is it time we inflation adjust the 1M by 30 benchmark to 2M by 30?

likefunnysmart
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Section 8 rental properties. Does anyone here invest in section 8 rental properties? If so, what is your experience?

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Would you rather have a $10m trust or have an elite job?

My fam told me to just chill since they’re leaving $10m net to each of us, and told us to pursue our passions and “FIRE already”. I plan on just leaving the… more

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As part of NW calc, if there are folks who discount their non-Roth 401k for future tax implications, how do you do it? Understand we won’t know for sure what the applicable tax bracket will be but it won’t be nothing or even… more

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I make 250k and have the option to contribute between 1 & 10% of my salary to a 10% discounted ESPP for a new role. What percentage should I choose? Education company

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Is it better to have $1M net worth in liquid assets (cash/investments) or $1M net worth through home equity?

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