23yo, assume no debt, would you invest in Roth or IRA?

Looking into Vanguard 2065 and others, but really just want to maximize the most that I’m putting away…want to FIRE

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

If you hold crypto for over a year it’s subject to capital gains tax right?

How do you start searching for mortgage loans and what do you look into lender

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Recently moved to Denver, and may be sticking around for good. Planning on buying in the next year or so, and some of the suburbs off 25 and south of 470 have caught my wive’s eye. Thoughts on Douglas county (or specifically castle pines, Parker)?
We’re a mid-30s couple, with a 4 y/o, so for priorities: schools, (hopeful) resale value, and activities for our daughter and family as a whole. Any advice or alternatives would be appreciated!!

What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

If I invest 50k in NPS, I would save 7k this year as per my tax calculation. Is this a good deal? In general, I don't like such long term investment, maybe I'd start that when I'm 35 but not today.

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

What did one investment banker say to the other?

I closed on a new build a few weeks ago and now the same home is available for much less with the builder offering all appliances, additional credits, and buy down of the rate. Is there anything I can do to get now? It seems unfair that I paid more and didn't get the incentives.

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

What’s the fastest WI-FI provider in Austin? I have Spectrum abs it’s not fast enough for my house of 5

Any thoughts on working at Nestle Purina plants? I’ve heard good things, but I’ve heard terrible things about Nestle..

After LWD , In how many days FIS will do my FNF settlement and will provide Relieving letter ??

I have returned my Joining Bonus with gst already before LWD as they requested.

Kindly tell whoever has left.

I have offer from qualcomm, offer letter might come in next 2 days.
I have Nvidia interview next week. (Nvidia is dream company for me)

Assuming Nvidia interview takes 2 weeks.
Is it okay if I accept qualcomm offer for nw and reject it later if Nvidia hires me.
Or without accepting qualcomm offer i need to inform same to qualcomm hr
What should I do?

(Ps . My current employer notice period is 60 days and it has not started yet)

#nvidia #qualcomm

LMAO what do Afro Latinos look like? I just asked a creative to include more pictures of Afro-Latinos in our hispanic messaging and she said "I tried to find pictures of videos that looked authentic but they didn't have the right look, it's a very specific look". So no black people in the ad cause this white passing lady needs to gate keep who looks latina enough. The blond, blue eyed women in the photos passed though... UGHH.

Anyone joining EY GDS Pune on Aug 17th?

Tagline for award shows post COVID

Hi fishes, looking for referral in Testing domain at Siemens for PLC/DCS control systems. Please let me know if anyone can arrange interview for me. Currently serving notice period.

I’m new on the job search and still employed. I’m looking to grow further in the logistics industry. While I look for work, it’s a bit discouraging seeing how hundreds of people apply for positions I see on LinkedIn. I still apply because you never know and AI plays a huge effect in selections. Should I even bother applying when there are more than 100 applications?

Hello! I am hiring for a few different Engineering roles. Ranging from 3-5 years of experience with writing code or proficiency in a programming language. Please DM me if interested/fully remote! Growing startup and would love to add the talent.

What's the best consulting firms for H1B folks who have studied masters in STEM here? Got a cousin graduating this fall and he needs to know H1B/GC policies.

Which companies have best WLB, least stressed DS/DA roles? I’ve been suffering from some immunology issues and stress from work would worsen it, therefore I want to move to a company/role with good benefit (esp. healthcare) and great WLB (little chance of PIP, etc). Doesn’t have to be high-paying, as long as it can support my life (single) and long-term medical cost. Thanks in advance.

Someone legit told me that all people look 5-10 years older if they wear glasses. Are we for real with this?

Are there any PayPal only bowls?

I need 11 likes?

Moving from Sweden to Netherlands this summer - anyone who has done the same and wants to chat?

To all the insurance underwriters, what do y’all make/ YOE/ carrier?

Is it still worth buying Tesla stock? Especially after rising so much since year start?

Anyone have an HM Bradley referral they’d like to share w me? Feel free to PM me if you don’t want to post your referral link.
Thanks 🐠

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

Looking to open a taxable brokerage after maxing out Roth and 401k. It’s more so for a house down payment in 5-7 years. Can someone please provide insights on ETFs vs mutual funds?

Thoughts on XT?

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Given the hot sellers market, do you guys think I should plan to sell my house on my own (private) vs get an agent? Want to minimize closing costs/fees. Thanks!

Mutual funds you have your eye on right now?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Any of you have parents who have never invested in the market or set up 401k all this time? They are very close to retirement (in a couple years) but I am shocked that they’ve kept their life savings all in a checking account😭 just found this out and don’t know what to do

I’m thinking of opening a TD Ameritrade account for investing - does anyone use this/have any feedback? For reference, I recently graduated and have no prior investing experience, so any feedback on investing is appreciated :)

FZROX vs VTSAX?

Are there any trusted resources for information on cryptocurrency investing?

(I've written enough long-form marketing disguised as a news to know when it's happening to me.)

How would you sell ETFs in retirement since there is no average cost option for etfs?

I have a friend trying to talk me in to an IUL instead of a 529 for my kids. (My kids have 529s and that’s what I intend on staying with.) Am I missing something? Can someone dumb it down for me why IUL is a bad idea (if it is, in fact, a bad idea). Is there any reason to have both? Her main reason is that 529 counts as income and IUL doesn’t and can also serve as a retirement plan. Help, wise ones!

2022 - How are we becoming millionaires folks? What are legitimate (not MLM, drop-shipping, affiliate marketing, Facebook ads) ways to make money besides our primary incomes?

For me: It’s credit spread {options} trading. That is the only one single thing that has worked for me.

What would you invest $10k in right now (taxable brokerage acct)?

Investing noob. Just started putting money in back door Roth IRA. Have been losing money each month. I thought the market was doing well… what gives?

Tax loss harvesting question- I have a few underperforming investments (stocks and ETFs) that I’m looking to offload at a loss. If I sell them I would be incurring a loss of around 3-5k. Contd.