160K out of my 225K net worth is in retirement savings. Anything I should reconsider here? I’ve been maxing things out and always felt like that was the right answer, but want to know if I’m missing anything. I’m 25.

If you had a large sum invested in a taxable brokerage account and an initial college savings for your kids in a 529 but need to start saving more aggressively for their college, would you sell the brokerage stocks and move that money into the 529 so it can grow tax free? There wouldn’t be any gains tax on the brokerage sale because the stocks having made or lost money.

Single M in NYC spending 4.5k per month. Too much or average?

Does anyone have any idea about how real estate works in Europe? I got an opportunity with a company in Germany but most of their listings are old buildings that I just don't know how they will sell.

Anyone here invest in rental properties? Trying to find a good place to buy where the market isnt completely over run.

Can someone please help me to know which option i can choose for income tax declaration-
with exemption/deduction or without exemption/deductions.
till now my income was not under the tax slab income so haven't done it before.

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Anyone who left HCL me what to fill in current PF trust/RPFC for withdrawing PF

Can we use our wageworks card to load the EZ Pass in NY/NJ. I keep getting an error message

Can a non audit KPMG employee outbof the Charlotte office get an auto or home loan from Wells Fargo? Or is that restricted due to independence?

Is is advisable to contribute the full 19.5k in 401k? I am currently investing a total of about 20k with company contributions in 401k .

Economics of renting a condo: between taxes, hoa fees, and replacement reserves; it seems v tough to be cash flow positive unless charging 1.5-2x the mortgage. Anyone else having similar experience? I still rent my condo, but expecting the pay day when i sell, not each month. Not sure it my thinking is off

Anyone doing any investing in Charleston, SC

Should we wait or sell the SAP shares as it just came to good level from a recent low? And one more thing should we continue to own SAP?

Looking for some objective response based on financial numbers if anyone can share.

I'm decently knowledgeable about investing, but one thing I never understood is all the rates being thrown around. Is the fed rate the interest rate on borrowing for banks? I thought the T bills..cont

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

No judgement please... my life kind of fell apart a few years ago and I let a credit card go to collections in 2018. Owed about $5,600 on it. I’ve been avoiding it & just found a piece of mail (cont)

Is Affirm to finance a purchase a bad idea if it’s 0% APR and interest? I don’t understand how they make money. If it’s truly free, I’d do it to offset opportunity cost of ROI

Is a longchamp pliage bag professional enough for a business casual client?

Does it help if your recommenders are alums or the school? Eg hbs?

Any idea when the Sloan official letters are getting released?

I am an email marketing specialist. I am approaching my one year at my new job. I have been going above & beyond. I have been recognized by my boss that I have been doing great as well. I have been implementing new strategies, completing all assignments on time, and I do the most in all of our meetings, interviews and business events. How much can I ask for a raise?

How many hours/weeks do you think you have to work to get your utilization up by 3%?

Favorite show to binge watch on Netflix?

Hi fishes,

With lots of hope I'm writing this. I have put down my papers without any offer in hand as the work culture was being terribly toxic to me. I would request any help would be major for me. Don't see and scroll down. If u don't have openings in ur company then at least refer me to your friends. I just have two months to find a suitable job.

Thanku. Much appreciated.

Wonder how Salesforce folks are enjoying Slack themselves...

What companies have succeeded in reverse engineering a product based on another one?

What have you seen people fired for at your agency/ies? (This is meant to give some lessons for others on here)

Left public accounting this year after 5+ years and looking for 10-20 hours of flexible & remote accounting/auditing/etc. type work. Message me if you have any opportunities that may fit this description. I would love to help a small business, but am open to anything fitting my vague guidelines.

Hello! Anyone here work at Amazon and willing to give me a referral? I would greatly appreciate it!

Comment below and I will shoot you a DM! Thank you!

Hello Fishes !!

Cctc - 6.8 LPA
YoE - 2 Years

I have accepted an offer for BA3 band for 10 LPA (46% hike). Is this a good offer or was I low balled ? Wanted to know as this is my first switch so I cannot judge if this is a good offer or not.
I had communicated my expected salary of 11 LPA (fixed) during negotiations for which HR said she would have to ask the concerned team. I then said that I am willing to negotiate and was offered 10. Was this wise or should I have waited ?

Index vs (audience) percentage. What are the specific situations to choose to present one over the other?

I’m a relatively new AE at my company but only 1/3 hit quota and 1/3 of those people hit POE+. Is it worth it to stay? We’re about to hit the “busiest” month but with everything going on in the world right now I don’t see it picking up. What do you all recommend?

My company covers in depth results each week, including meetings set/attended, wins, revenue, retention etc. I feel as if evaluating in such depth is detrimental to the psyche, as you never get to “ride the high.” In addition, some weeks are simply slower than others, and it’s not always representative of what the results at the end of the period or quarter will be. Is this not a big deal, and I’m I placing too much importance on it? Or is it beneficial to review results less frequently?

Hi All - new to FIRE and trying to make the right decision around investing my bonus. My company works with Fidelity but I've heard so much about VTSAX. Is it worth opening up a Vanguard account for post-tax investments or are FZROX and FSKAX true alternatives? Thanks so much

Is there an income limit for contributing to a Mega backdoor Roth? I came across irs section 401(a)(17) and am confused about the 290k annual comp rule when it comes to the 58k limit for section 415c. Also does anyone know what happens if you exceed section 415c and what the process is to correct it?

Just cleared $300k selling my primary residence and will move back into a house we used as a rental. Looking for investment recommendations with the $300k. Should we buy a business like a bar in a college town, buy a multi family property? Or break up the principal and invest into a mix of bonds/stocks etc?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

I’m deciding whether to house hack a multi family home in Miami or continue renting and buy a chalet close to a national park to put on Airbnb. This will be my first investment property. Will pull the trigger in 2023 or 2024. Which route would you go for and why?

I have about 20k in a high yield savings account; interest rates are going down, so wondering if I should invest elsewhere? Any recommendations of a safe-ish investments or accounts to look into in the current market? Feel a bit lost and don’t want to sit on my money. I’m 24 and moderately risk adverse. Thanks in advance!

What happened here? I refinanced my student loans in November 2019 and got a 10-year variable at ~2.5% pegged to LIBOR. When 2020 hit, LIBOR tanked and my interest rate went down to 0.75%. Looking at similar loans now, I can’t find anything close to this rate. Is this just a quirk of my original timing?

What withdrawal rights do you use in your model? Is 2% too conservative? 4% too aggressive? Also how does retiring early factor in? Does the traditional 4% assume you are retiring at 65?

Does anybody work a part-time job for spending money? I’m considering working one retail shift a week purely so I can have some frivolous spending money that doesn’t impact the budget. Is it crazy to kill 6 hours a week for less than $250 a month?

Any advice on ways to increase your credit score to offset a young credit age?

Moved to the US 5 years ago and wasn’t able to get any sort of credit until 1 year in so my average credit age is low and score is always taking a hit for it.

I live in NYC so no need for a car/car loan and I don’t have a mortgage. I’ve got 2 credit cards with reasonable balances and I have one small personal loan just to show diversity in accounts.

This system is crazy. Any help appreciated

Would you be okay with your mother in law moving in if that meant you and your spouse got ownership of a fully paid off house in Key West that is worth 500K+? If MIL doesn’t move in with us, she would have to sell her house in KW to buy a house near us in cash. She’s recently widowed and is choosing to quit her job before retirement age. She wants to live with us and give us her house. What would you do?

Turning 24 in a few days and just hit $280k net worth. Anyone else in the mood to share big milestones?