I put both my Roth IRA and my 401K in target retirement funds. Is this a bad idea?

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What % of your 401K contribution does your employer match? Trying to get some benchmarking ideas, thanks

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Anyone happen to know what funds the EY Pension plan are invested in? EY

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NYC 🐠 - Ran into this absolute charmer last night - he is truly such a sweet little chonk. He is with an volunteer run rescue and was abandoned on the street by his owners at age 12 (!). He is in ~urgent~ need of a foster - I’d take him but I’ve just put in a binding application to adopt a rescue out of Texas, and won’t know for a few weeks. They will pay for his food, supplies, and healthcare. Please let me know if you would be interested in fostering, and I can you connect w/ the rescue 🥺🙏

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Fellow Europeans: how much cash do you keep in your check account? Providing all the safety nets we have here (unemployment benefits, health insurance), don't feel the need too much cash available, perhaps one month of income is enough but I might be wrong.

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Assuming compensation would be the same at M level, would you jump to a similar company to speed up promotion by a year if you already have good WLB, network, benefits, etc.? Why?

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Thoughts on working at Walmart corporate? I imagine pay is below market and benefits are subpar but don’t know if that’s true.

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Currently contributing 18% to savings (8% 401k and 10% to savings account) and also paying $2250/month for grad school. I have a healthy savings balance and am not expecting and need to use it anytime soon. Is is ok to cut back on what I put into my savings account while I’m in school? Feeling stretched thin and have always had the impression it’s bad to not be contributing to savings regularly. Thinking if I’m paying for school it’s ok to be less aggressive with savings. Looking for input.

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Hi all! How does my portfolio (25 years old) look? Out of my total net worth: 35% in 401K (invested in target retirement fund with employer matching), 10% in Roth IRA, and the remaining 55% in brokerage account (44% SP500, 4% on bonds, 6% in capital and income, 1% in international stocks). Thank you!

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If you are on the bench and about to be staffed but have a job offer in hand that you’re going to accept, would you 1. Say no and try to ride out the bench at the risk of ruining your reputation 2. Say yes to the project and tell the team in a few weeks you’re leaving 3. Put in your two weeks at the risk of being let go immediately and not get paid or have health insurance

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What’s the most you would ever consider contributing to retirement accounts? The max for us is $97k. Which is $58k for a Solo 401k for me, and $39k for both 401k and 457b for spouse.

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Joining my husbands health insurance but there’s still money left in my HSA- can I use still use this account after I switch insurance? Do I need to roll this over?

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What are some of the perks you get as a SC @EY or @D? Work phone, food vouchers, gifts, cringe benefits from SM/Ps etc.. Asking for a friend who's is deciding between these two companies and coming from industry!

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Do McKinsey or BCG have a paternity leave benefit? If so, is it a year of employment to use it? Thanks!

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Regarding retirement, the way I understood it the ideal was: 1. 401k match 2. Roth IRA 3. Max 401k 4. Other accounts (eg. HSA if you are elegible, potentially 529 for your kids, otherwise just investing in stuff) Is that right or am I forgetting something?

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Can someone please share information on EY health insurance plans? What plans they offer and how much it costs for Employee+spouse+kid

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What generally produces better returns - 401k invested in index, or landlords with leverage?

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Best things to think about and take into consideration for healthcare case interview?

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Are you entitled to parental leave benefits from Day 1 at Accenture? We will have a baby within the first year of me working at Accenture…trying to confirm whether I’ll be eligible for leave benefits.

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Going to business school next year and will need to pay for most of it. Should I stop adding extra to retirement and just get the company match in 401k (not maxing out 401k or IRA, which I do now)? Or should I just contribute as much as I can to retirement and deal with the loan after graduating?

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At what salary do people max out their Roth 401k? Just curious to know if I’m saving too little (or much) where I’m at. 1 year out of college if that helps for context!

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Where do you work, and what educational benefits does your employer provide? Currently working full time and taking some classes toward my master’s. I’ve been at my firm for a little over 2 years as it was my first gig out of undergrad. It provides an annual stipend for education, but I’m bored, unchallenged, unfulfilled, and underpaid. I want to explore what other companies offer to make an educated decision as to whether I should go elsewhere. TIA!

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Bain vs McK: which has better benefits / programs (ex: Bain externship)? Don’t know which has better non-monetary benefits. I have offers from both and I’m deciding. Post-MBA level Bain & Company McKinsey & Company

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For everyone under 26 on your parents insurance because of Obama/dem healthcare plan, how can you complain about socialized healthcare?

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Looking for a healthcare provider with a more holistic approach, to supplement my usual visits to a PCP. Specifically interested in the integrated aspect of Eastern medicine and therapies. Any idea where to start looking for someone like this? I’m based in the US.

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What are my options to get the pension balance fully vested- in excess of 30k? I am leaving my current firm today.

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Pwc folks, can you explain the difference between wealth builder and 401k savings? Is it the same account or are they in different accounts? Just switxhed employers and want to roll over to my current employer’s 401k plan

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I left Deloitte for Accenture last month - how do go about rolling over my 401K? Apologies for the stupid question…

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Has anyone left Booz allen within a year of using flexed benefits and actually received a request to pay back the funds before leaving?

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I HAVE NO CLUE HOW TO MODEL HEALTHCARE CLAIM COSTS AND TREND. THANKS COVID. THANKS OBAMA.

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Share this 🔥 post

Speaking of 401k’s….what should someone just starting out in consulting (late 20s M) choose between 401k vs 401k Roth? What are some things that need to be taken into consideration? Going to be making this decision coming up and just wanting pick y’all’s brains.

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Saw this on Twitter and not picking sides, just want opinions. Thoughts? Market also gives you an opportunity to compound your money, but people are also at the risk of losing life savings if market heads in the wrong direction. Is this just a way for companies to avoid paying pension? Genuinely curious. Thanks for feedback.

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Does anyone work for BCG as a healthcare consultant? My wife is looking for a referral. She has a PHD and is an amazing potential hire.

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My last day at my current firm is 9/15 but my start date for my new company is 10/15. My health insurance coverage at my current firm will end on 9/15. Is it risky to go without coverage for a month?

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Most toxic industry? I’ll start: US hospital and healthcare systems

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Any tips on negotiating for an Analyst role at MBB? I have been told MBB has fixed pay bands and there is less scope for negotiation. Someone suggested to ask for higher joining bonus. Any other ways I can negotiate? Any perks benefits? New to corporate space so dont really know these tactics or even things I can negotiate about. Would appreciate all inputs. Thanks!

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Accenture what are some firm benefits!? Joining soon and would love to know. Any fitness subsidies or technology things that are cool?

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Besides salary and sign on bonuses, what are some perks/benefits y’all have asked for during negotiations?

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I have a meeting Friday to go over my contract offer. Would this be considered the negotiation and if so, what are some things besides salary that I should try for in terms of perks and benefits?

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Ladies, I recently left consulting for a VP level job in industry. I report to another VP so they choose to “withhold that title for my functional title.” Have all the benefits and sig authority....

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Senior, pregnant and worried about busy season because half the seniors in my practice quit in the past two months. Directors have said to seniors “brace yourself”. I am already stressed and high risk and off my ADHD meds and struggling a lot to get work done. Is it worth taking maternity leave early and “screwing over” my teams? I feel guilty. Doctor suggested to take medical leave if I am struggling. Need advice 😢

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I’m paying $1600 a mos for my benefits and that’s with a $9k family deductible. Is that what you are paying too?

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I'm worried that my school district will run out of money to fund my pension. Does anyoe else have similar fears?

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How do you sell the benefits of managed money to your clients?

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What is 401k match for consultant level at Deloitte?

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Working an expo / benefits fair: what have you done that has worked in getting people to your table, and peaking their interest in an appointment? (Details continued in post)

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Was let go as a staff 2 at 77k in September and currently have 3 offers in deciding between them. Would really appreciate any feedback. 1. 3rd year associate at PWC -HIA at 85k. 2. Transformation analyst at a big 3 automaker 83.5k 10% bonus. 3. Product development role at a healthcare startup. 100k 7.5k sign on and 7.5k bonus in 3 months. Potential 20% bonus at year end.

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What's everyone's thoughts on job hopping? How frequent is too frequent? Are there any benefits to frequent hopping?

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Just got an offer to work someplace else. Pay, PTO, medical and 401k seem good. What else could I try to negotiate?

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Does anybody know how HSA benefits work with unmarried domestic partners? We are on same health plan but it’s unclear whether hsa is tax advantaged or not for my partner. Online info is very unclear as well.

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Looking for some advice. Currently contributing 10% to 401k and maxing out Roth IRA, and remainder of savings (usually $800-$1200 per month) putting in a HYSA for a down payment on a house. Hoping to buy in 2-3 years once we (partner & I) have a sizable down payment. Should I continue to put all my non-retirement savings in an HYSA for a downpayment or should I also contribute to my brokerage and invest to grow wealth? (24yo, $85k)

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Two Sigma does Two Sigma offer tuition reimbursement? How's PTO there?

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Has anyone left US and moved to another country? What have you done with your 401k and other firm benefits(2nd MD, counseling etc.)

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Why are you in agencies? What are the benefits of being in an agency over clients/media partners side? Trying to find a new motivation to continue staying in this industry..

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Does anyone know which big four office has a need for an experienced staff? I really want to be on healthcare/biotech clients

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Hey! — one of our portfolio companies in the healthcare space is looking for someone to build out its customer success function. Looking for senior manager/principal, healthcare exp required, dm me!

likesmarthelpful

Is LinkedIn helpful? I only see it as a means to showcase one's experience/education background. Am I missing out on its benefits? Not a lot of big agencies post jobs there (atleast in my city) and the recruiters that do reach out have vague, often marketing-related, job offers.

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I get there is no such thing as optimal 401k contribution as it varies by person but is 20% too much for someone just starting out? No ROTH offered

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Is there a law that says if you freelance for a company for more than a month, you can sign up for their healthcare?

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Frm BOS, regular 8 AM flight w/first class upgrade gets cancelled. On 9 AM flight w/10 people on the upgrade list. Check in & rqst for an upgrade. Bump every1 else down and get upgraded to 1 open seat

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3 YoE in health consulting (generalist w/agile and change management experience), and finally received a secret clearance. But now concerned I'm pigeonholing myself over the next 3 years as I think a lot of health work at my firm that requires clearances are more "butts in seats" My goal is to learn as much as I can over next 3 years (WLB is not a concern). With that said, despite the job security of a clearance, would it be better to consider looking at commercial consulting roles?

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I don’t want to burn my bridges, but my dream agency contacted me after being at my new job for a month! I’m all for sticking it out, but this other opportunity allows for more creativity, closer to home, and most likely better pay. Anybody ever been in this position, and what did you do?

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Got an offer for a tier 2 firm and accepted it. Are there any actual risks of getting my offer revoked if I apply to mbb?

likefunny

What's the hiring process for a director of advanced analytics?

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Does anyone know how the interviews are like for data science roles at Etsy?

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Anyone ever interview with Point B? Any tips/thoughts would be greatly appreciated!

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Looking for moderately priced hotels in Paris - trying to chose between Moxy Bastille and Courtyard Gare De Lyon. Any thoughts on which is better? Want to do touristy things.

Having an interview with McKinsey for a Business Analyst role in 5-6 weeks, looking for someone who went thru the interview process and could do a mock case interview with me. Thanks in advance.

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My firm is hiring one level above me and is just looking for someone with 1 year more of experience than me. Is it to assume I’ll get promoted to this level in a year? New to the shop myself

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Hi fellow USI 🐟 Did anyone recently apply for visa extension, how much time did Seyfarth took to complete the process and receiving the approval. End to end starting with initiation to approval.

No one acknowledged my new stapler in the office so far. I'd like a new project please.

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likefunnyuplifting

Would you rather work for an older, more established company with lots of employees, average salary and a slow climb of the ladder to leadership? OR Would you rather work for a relatively new startup with 2000 employees, GREAT salary and quick career progression, but alot of learning because it’s a startup.? P.S. both companies are known across the globe.

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Salary range & bonus target for Senior Associate in Tech Advisory at KPMG in NYC?

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What does everyone think about what sales /pursuits will be like in the Covid and post-Covid world? Key changes you’re already noting (ex. not on site to meet f2f or “walk the halls”)?

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do SUVs have a higher insurance and general cost of ownership ? Planning to buy a Genesis G80 or a GV80 and trying to decide which of the 2 would be low cost to maintai

likefunny

Trying to raise my income to six figgies in the next 2 years from 80k. Consultant, fed, advisory. Anyone have any advice?

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Just found out I’m shortlisted at Cannes is 2 categories. If we win, can I use that as leverage at my current company for a raise or promotion?(Cont)

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How do you know if you’re in the hot seat/might get fired or if it’s just paranoia? I feel constantly on edge...

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How do you manage breakfast when they eat it in class? I feel like my classroom is such a mess before it is even 9 a.m.

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