How’s this emergency fund look to you all: 10K Vanguard MM; 10K Vanguard Total Bond Index; 10K Vanguard Dividend Growth. ($5K monthly expenses)

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Has anyone refinanced their student loans on h1b? Is common bond the only option?

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Any strategies to minimize the tax bill from investments? Certain non-US ETFs and Bond ETFs are kicking out non-qualified dividends taxed at ordinary rates. Ended up with $11k tax bill for 2019 year.

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Anyone find it hard to maintain friendships with people who are also depressed? Having depression in common forms a bond and understanding, but later breaks due to each person projecting their issues.

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Currently holding VOO, VXUS, and QQQ. What other ETFs would be good to look at? 28 and single, so haven’t included bond ETFs, should I consider those? Or closer to 40 is when I can start getting safe?

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What’s the best aggressive investment fund in EY 401k ? And best bond ?

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Mainly invested in VTI and VOO. Vanguard recommends ‘total int’l bond’ and ‘total bond market’ ETFs along with ‘total int’l stock’ (VXUS) ETF for diversification. Is it a good rec?

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Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

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