Personal Finance Bowl

Anyone here has their Deloitte Vanguard account linked to external accounts and use Vanguard to view their consolidated financial summary? Is that a good option OR should I use something external such… more

Any downside of a "no income, no ratio" mortgage?

I have been approved for a $3M mortgage and allowed to make interest only payments for a 3 years. I have income of $200k and will have no pro… more

For those in there “forever” homes and have done a major kitchen remodel. How much have you spent. Either dollar or % of house value. I’m looking at $70k - $80k on a house that was appraised for $1.1… more

Does anyone use Empower Personal Wealth Management through the personal capital portal? I just had a call with an advisor who pitched the service. I see pros and cons, wondering peoples’ experiences

Does anyone here use Fisher Investments?

How much from each paycheck is everyone managing to put into savings?

Best resources to get educated on personal finances?

Where can I invest $20,000 beyond 401K and some Vanguard mutual funds? I am thinking of investing in real estate, but do not want to buy a $300,000 house. What are the options? I have been reading abo… more

Does it really matter if you only put down 5% and not 20% on your home? I’m struggling to save up the full down payment

I have an Apple Card and HYSA and love it but looking for another HYSA that will allow me to create buckets for various things I want to save up for along with tracking my net worth. Is well front and… more

Does anyone have a HYSA with Wealthfront? Looking for a referral

Does anyone want a Marcus HYSA referral? You get 5.5% interest for the first 3 months (an extra 1%) , then it drops to 4.5% for the duration of your account. Send me a PM. Happy to refer.

I’ve paid off all my debt except 2 car loans and my $25k student loan. Should I focus on paying them all off before looking to buy a home or simultaneously pay off the rest of my debt while purchasing… more

I’m starting a new job at citi next week. For those who work there, what’s the pay schedule like and when will I get my first pay check?

What’s your household income and mortgage payment?

Tax question for anyone who has sold Accenture shares as part of ESPP, does anyone know how to report the federal tax withheld? freeTaxUSA asks about a 1099-B box 4 that should have this info but the … more

We have health insurance from our employer. We recently received some medical bills (over $3k) because we had to take our kid to the emergency. My partner's position at their company is ending in… more

Can someone (e.g. electrician) send you to collections if they initially quote for $x and after the work ask for $x + $y without any given notice and you disgree to pay the additional $y amount?
Basically, I am d… more

Just curious - how much do other people spend on mortgage as a % of their HHI? My wife and I are buying our first home, with mortgage plus insurance/ taxes adding up to about 7.5k. We make roughly 20k… more

Hi all - any of you considered a life insurance policy outside of what has been offered through work? If so, how did you go about making this decision and who did you go with. For context, we are in o… more

HHI is $345k base+$60k bonus. Monthly expenses are $14k. If I was laid off (wife makes $104k, I make rest), we’d have $60k in our emergency fund. Counting max unemployment ($20k), 8 to 12 week severan… more

I'm on the hunt for a new home and hoping to avoid juggling multiple mortgages or taking out a bridge loan. Ideally, I want to move smoothly without having to relocate my family to temporary housi… more

I think my husband and I might be house poor. We make about $13k/mo and our house payment (including mortgage, property taxes, HOA, insurance) is about $4500/mo. We are at an ok interest rate (5%) and… more

What HYSA’s are you all using? Closed my amex account today because they have had too many issues with these and i havent been able to login and check my balance for months

I'm wanting to buy a semi and start my own trucking company for agriculture. What type of money should I put up to attat this business

I can afford buy a $3M house. Would you recommend me to buy a $3M house or a $1M house + a $2M house for investment? Location: Bay Area.

Hi! I purchased my first home at 23 due to family circumstances so I didn’t really know what I was doing. Seven years later, it’s in need of some freshening up and repairs. Is it dumb to get another h… more

I would like to monitor my stock portfolio automatically.
I read it's possible using Google sheets + Google finance, but it doesn't have all the ETFs.
Does anyone know about an alternative always using Google s… more

Which account is the best place to save for a house down payment - HYSA/taxable brokerage/other?

Hi all! Any HYSA recs for places that offer a good APY and no transfer fees? Thanks!

Has anyone ever consolidated their credit card debt? If so, which company did you work with and would you mind sharing any tips with me?

I cared for a sick parent for a year and I’m finally catching u… more

Do 3 month or 6 month t bills incur additional taxes that bonds with >12 months maturity don’t? Assume everything is held until maturity.

Quick question on researching for information online: what issues or challenges do you usually encounter, and what details do you particularly focus on? what is your main goal ? Finding the informatio… more

How old are you and what do you contribute to charitable giving?

Until I took finance courses in grad school I didn’t realize what a true sacrifice giving a substantial amount of money to the local church or other… more

I recently got laid off , the way the job market is, it might be a while before I land a new role, what should I do with my 401k tied to my former employer? I think my 401k is divided into a 401k trad… more

Are most people maxing out their 401k? I've only been in the workforce for two and a half years. The first year I made $55k, then got promoted to $65k. Paid off student loans in that time frame and contribute… more

Would anyone who has experience with rental homes be willing to look over my calculations? Ultimately, the cash flow per month is ~$160 after expenses and mortgage. Just want to make sure my assumpt… more