23 years old in NYC - does it make sense to contribute to Roth 401k over a traditional 401k given the high tax rates in NYC?

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Traditional 401k - put the tax savings in a Roth IRA

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If taxes are high, you’d want to do pretax to avoid paying them now

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Thanks M1 and A1! Going to max traditional 401k and Roth IRA :)

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Someone told me max out Roth 401K bc taxes are cheaper when you’re younger (assuming you’ll be in a higher bracket when you’re older). Is that not true?

I live in San Francisco and plan to retire in the Bay Area. Currently making 100k, and I contribute 20k to retirement - 70% Roth 401K, 30% trad 401k. Should I convert to 100% trad 401k?

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I would like to get a financial advisor. Any advice or recommendations? Folks I connected with either push specific products from their firm or charge a % of investable funds. Is there a better model?

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A recruited asked to chat over the phone to discuss my emailed counter offer. I countered at $75k even though their top of the salary range was $68k. I have my reasons for countering, including increased out of pocket expenses for benefits and overall experience I bring to the table. What can I expect from the call?

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Thoughts on Bitcoin becoming legal tender in El Salvador?

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I currently work in Atlanta for a healthcare management company that is local to the area. I just got into the healthcare industry and have my bachelors degree in health science. I work in a position in the revenue cycle and I am looking to possibly get a new job in a more established company. I want more stability and opportunity within a company. Does anyone know of any places in/around Atlanta or remote that may fit this criteria? Sorry for the vagueness. Thanks!

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Hey Guys, off topic question... My mom has a savings account in a Punjab National Bank branch. Recently while trying to do transaction branch manager is informing her account has been blocked as per SEBI directive, he is not showing any proof for the same. Now my mother does not even have a DEMAT account, nor does she have any dealings with stock market. Any suggestions on what to do regarding this? Please help with suggestions, we are completely lost as to what to do. Punjab National Bank

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Do we have New Mobile Phone Reimbursement policy at PWC AC Bangalore for new Joiners?

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Anyone from NYC Health & Hospitals? How are the benefits?

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Anyone know if I could get Capital One Venture X? Or if not recommend a good travel credit card?
Currently have Quicksilver and Savor One
Credit scor: (FICO- 735, Creditwise- 752)
Oldest credit line: 1 year 5 months (😔)
Available credit: About 22k
Credit utilization: about 3%
Income- 96k

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what are all the benefits in Nagarro? Like non taxable flexi plans(meal card, fuel, internet, WFH enablers, postpaid mobile, driver) , LTA, Car lease, Dental, Vision, health insurance ?

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What is that one thing that as a new realtor I should keep an eye out for? This new listing has lots of mold and that just seems dangerous.

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Potential first time home owner just getting started. Current net worth is 130k+, mostly invested in stocks. Looking to diversify, so my current plan is to buy a multi-family unit and rent it out for supplemental income. Any tips for figuring out an initial budget?

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Made a profit of $100k. Got the cash a few days ago and haven't spent a dime on celebrating. I have become serious about the FIRE.

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What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

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I am subleasing my place at OneEleven through March 2021. Looking for $2K per month or best offer. It’s a convertible unit with awesome building amenities and a perfect location. Message me if interested.

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Can anyone give review tetrapak?

Have CSR, ink preferred, Amex plat - any other cards with good sign up bonuses I should consider?

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Considering a job offer in nyc coming from the south. Making about 400k here and we live very well but won’t lie - life’s quite boring here. Have an offer in nyc (my fave) for 500k. SO will probably stay around his 200k comp. 300k of my 500k is guaranteed - the rest is bonus which I am 50/50 on depending on how the company does. We’re 30s and thinking of starting a family. Don’t want to deal with commute so thinking Manhattan. Worried about nyc COL. Should I take it? We have about 1M saved fwiw

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Hey everyone!
I work as a vet assistant and am currently enrolled in my first semester in penn foster. I have 4-5 classes from my previous bachelors degree that will transfer and I’m trying to get a gauge on how long the program will take to complete. The progress tracker at doing 18 hours a week currently has me finishing 1/4 semesters in 11 months. I feel like that is very long for just one semester. Any input is appreciated!

What sort of salary does EY consulting pay Senior Mgrs?

Upcoming M interview - if I use a common framework like Victor Cheng’s Customer, Competition, Company, Product - will that be counted against me if it fits the problem at hand? Are there points awarded for creativity in framework / taken away due to lack of?

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Those who joined in Nov, are they eligible for appraisal in Q4. What is the average appraisal hike given @fujitsu.

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I am working as a Marketing professional and have an experience of 4.5 years.My current salary is 12.75 with 1 lakh variable. What can I expect from HCL on offer letter? I have asked for 17.5 as fixed

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What are the firms with the best construction practices, especially in NYC? I've heard Greenberg and Venable but this is a practice area I know very little about

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Anyone have any about the Evalueserve ?
How is the work culture and clients ?
Evalueserve

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Any more lay offs?

Looking for new activity/dinner/neighborhoods in Tokyo. Been here a few times already and have done most of the tourist spots and am in need of some inspiration for the next trip! 🙋‍♂️

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Stop asking "how do you rate yourself in Python" or any other skill. There are people who have spent 2 decades developing it and you expect me to say 9

Any government or gov contracting positions in the public health space anyone can recommend? Any direct hire positions if gov? Looking to make $115-125k.

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Hi, due we need to share the resignation acceptance letter to the mindtree recruiter immediately, or we can take time?

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Salary range for a Qualified Solution Architect? Expected Equity info is a +

Thanks in advance

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Hello friends,
Please help me decide which location would be best for me in terms of weather, expense(looking for moderate living standards) and IT opportunities.

Also, what salary should I ask for with 7 yoe in automation testing.

P.S. Currently working in India location. Will be moving with my wife.

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Does watching the west world make you feel to quit the job?

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so any girl bored af just tryna chat?

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Additional Posts in Personal Investment Chatter

On a stable $1m income what priced home are you comfortable buying? High level General range don’t need all the disclaimers

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I would like to get a financial advisor. Any advice or recommendations? Folks I connected with either push specific products from their firm or charge a % of investable funds. Is there a better model?

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Thoughts on Bitcoin becoming legal tender in El Salvador?

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Good year. So close to that $1M networth. 44, Married (wife is a stay at home mom), 2 kids (15 & 12).
I wish us all prosperity in 2021.

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likeuplifting

Just inherited large sum of money (~$500k) from family. I'm 27 and newly wed. Not sure if I should put that all in my current portfolio. Don't plan on getting a house yet; live in high cost area.

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Anyone brought a Mercedes-Benz GLA,B or C recently? Can you share what price where you brought it from as well as any packages you got? And first time care buying tips is very much appreciated! Thanks !

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A friend had me thinking about wealth management. I’m curious when are FAs paid the management fees and performance fees on AUM or profits respectively? What if client changes FA, you leave the firm, or client takes out money? What if equities aren’t sold for multiple years, then when would you be compensated for the increase (performance)?

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Thoughts on partnering with friends to purchase rental properties? Any experiences/ advice to share?

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I've got a 5 month old and I want to start some investments. I got a brokerage account started but I was wondering if a 529 would be worth my time? I'm in Illinois so upto 20k/y can be a state tax deduction.

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2nd year associate here (going into my third). Will have about 114k in student loan debt at the turn of the year. I have roughly 60k in my investment account, 45k in 401k and an adequate balance in my emergency fund. I also contribute to my HSA and will cross the threshold for investing that in January. During 0% on student loans i have been using every spare dine to pay that down. My question is should that continue or should I tone that back and start investing more? Cont’d in comments...

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It’s a small thing, but a big win. After years of feeling financially insecure about an economic downturn, I’ve finally hit my emergency fund goal of $12k. Currently it’s in an Ally high yield savings. Any recommendations for better places to start it?
Happy Friday, y’all.

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Anyone have personal experience with Dimensional Funds? Looking for a financial advisor and it's interesting you can only buy their funds with a few select advisors.

How should new consultants think about personal finance with regard to how much to put in retirement accounts (eg 401K, IRA) vs. investment accounts (assuming ETFs given firm restrictions)

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I will be moving to new home in March.. Thinking of buying home appliances like refrigerator, washing machine and dryer with March delivery to take advantage of Black Friday sales. Have anyone done this before? Which stores allow this?

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Just started using Anchor Protocol earning 19.5% APY. I'll park my cash here in the meantime to wait for things to settle down.

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Anyone know anything about Islamic finance? I know it’s not everyone’s cup of tea but I’m really interested in hearing about people who are utilizing it as an option...

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I feel like I have no idea what I am doing when investing in stocks/real estate. Any recommended books/videos? Thank you

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