Personal Investment Chatter

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Curious about people’s age, income and net worth. I’ll start: 43 | $155k | $1.75 M

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When people speak about net worths do they also count the 401k and Roth accounts?

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Anyone willing to DM me an HM Bradley invite?

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Best place to invest large sum with very little risk ? Thinking of putting a large sum into my 401k as it has been growing around 12% YoY. Any suggestions ?

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What's the easiest way to transfer and close out a debit card? Have a checking and savings at BoA but want to consolidate and not sure if can be done online or need to go in store 🥺

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Have an investment/loan related question: about to enter grad school and I could pay off all the cost at the appropriate times (August and January) if I were to take out my individual investment accou… more

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This is ridiculous. I just went through the questionaire l, for life insurance through PolicyGenius, and I have to let them no I am not ready for life insurance yet, or else they will charge me. Is th… more

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Looking for some advice fam-spent the first half of 2021 with a firm where I was paid less than 100k and was able to contribute 6k to Roth IRA. Come July, I’m now in a role that pays me 150k+. Will Va… more

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What is everyone’s target retirement savings % based on gross income? (Excluding company match)

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Should I buy $1m house with $300K income and $200K liquid cash for down payment? No other debt or major expenses. Prop taxes are around $15K.

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Washington state is imposing a new tax to find long term care but you can opt out if you get your own policy before November. Because of my age and income, it will be cheaper for me to buy a policy t… more

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Came across the concept of “cash envelope stuffing” on youtube. Seems like a pretty good concept to avoid overspending on each category of expenses. I am trying to get some ideas to incorporate this c… more

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Two years ago I was buried in debt due to a nasty divorce and a shitty job. I couldn’t afford rent and I was in grad school. Today and thanks to the ideas I found here, I just crossed an important fin… more

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When you had your first child, how old were you? What was your household income and net worth? Did you feel ready financially?

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Anyone familiar with REITs? What’s a good one to help balance risk of equity holdings?

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Best leveraged funds or places to park $100-$200 a month? Long timeframe, willing to take huge risk but still don’t want to ape into clear bubbles with it. The problem is that all the stuff i have in … more

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GME anyone? 🚀🚀

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Should my wife and I refi federal student loans? Some questions/background: Wife’s blended interest across undergrad + pharm school is probably around 5.25% (315K loan). I’m probably a blended inter… more

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Have 108k in 529 plan for 13 year old. Stop funding it or keep going? My goal was to pay for bachelors only an this would cover state university tuitions when he goes in 5 years. I’m in California.

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Trying to figure out how to simplify the portfolio allocations for my Roth IRA and HSA. I’m 31 years old with high tolerance of risk so probably won’t touch the money until retirement years. Should I … more

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Trying to learn what i should do to get into early retirement late to the game. I am 42, 2 children ages 23 and 17, 17 year old plans to be a surgeon, total annual income 140,000. I participate in emp… more

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I need a reality check to see if I’m completely insane or not. I make 205k/year and currently have 98k saved up. Im originally from a smaller city where studio condos have historically been 385k, but … more

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🐠 here be like

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Please don’t make fun, but how does someone go about buying stock/share in a company?

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HSA question: What’s the best practice in using the HSA account? I have been maxing out my HSA since 2019. I was lucky in my stocks picks and have a return of 100%. Now I have a baby on the way. Shoul… more

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Hi Fishes, I’m looking for some tax advice.. I just started a contract to hire job and will be on 1099 for the first 6 months. I’ve researched some ways to reduce my net income (SEP IRA, deductions, … more

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Any fishes with HMBradley referrals available?

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Thinking of getting a new CC - is the Amazon card good for points/cash back? I do a lot of shopping on Amazon

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25 with about $50k in 401k roth and $50k in pension. Changed jobs and nobody has given me any direction on best way to roll things over. 401k roth to my roth IRA? 401k to new 401k? Pension as lump sum… more

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Has anyone recently purchased their leased vehicle? First timer here and since I love it, and it’s way under miles seems like a win, win. Just curious if you reached out to the leasing company first,… more

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Is there any value in having mutual funds at 2 different companies? I ended up with two and one of them is charging me fees I’m not happy about. I will consolidating all under one company. Are there a… more

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Realistic option income? I’m considering putting $5k towards tuition for financial education to trade derivatives and futures. Any idea what the typical income looks like leveraging $20k-$50k?

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VUL Product - one financial advisor called me and proposed a VUL product for tax sheltered investment (part of the portfolio) as opposed to Brokerage. Is anyone using VUL as a vehicle?

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What would make MBA school worth it to you? On a call now where out of state tuition was $97k… that plus 2 years of lost wages could easily be a $400k price tag. I understand different schools cost di… more

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I will probably buy a home in the next 5-10 years. Where is the best place to keep my money that I save up for this over the years?

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I didn’t didn’t initially realize Roth IRA contributions are effectively prohibited if you are married filing separately (living in the same household). Are there similar prohibitions on backdoor Roth… more

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How does HMBradley work? Do I have to put 20% of my paycheck in there to get the Tier 1? Am I looking at the wrong thing? Someone help me! Thanks.

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I’m holding some Chinese stocks - BABA and DIDI. Bleeding now. Should I hold or sell under the current situation with Chinese stocks? Value for DIDI down by close 50%.

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Folks who have had unexpected medical debt: any advice on how to avoid it? It seems like one of those areas where you can get screwed badly if you’re not super careful. I’m familiar with some common… more

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I need supplemental income to help pay off some expensive home projects that we have on credit cards with 0% APR intro periods that won’t last forever :-). Im thinking about swing trading, and I know … more

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