260K base HHI and no debt. What is the max you would spend on housing? Take home is $11,000 after maxing out all tax-advantaged accounts. I was thinking $4000 a month, but not sure if it is too aggressive.

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

My niece is getting in on the points game. Aside from TPG where should I send her to self educate? Any card recommendations? Her hubby is military so they won’t have to pay fees on most cards. Thanks!

Can't register for binance or bittrex 😮

Is it better to rent or buy a car? Can you share as well some price estimates if I rent or buy? TIA!!! 😊

I have a question. I have 80k in student loans. I picked the option knowing I will pay 200-300 every month for 30 years. This amount is totally doable given my salary. Why are people so opposed to this type of arrangement this is much better than paying 1-2k every month for a much shorter period.

Hi guys
I am from EY india
I have declared my investments in tax declaration portal , still I see in monthly salary that there is huge tax deduction.
In my previous organization, once I declared my investments in the tax portal , then my salary was very less affected by tax deduction.
But in ey india , I don't see any effect after declaring my investments.
Kindly help me how to declare investments so that there will be less tax deductions from my salary .
#EYINDIA

Can I simply upgrade from Amex Blue Cash Preferred to Amex gold? Or would both just be open at the same time since one is technically a charge card?

Thoughts on Bitcoin rising? Think it will crash?

How are the areas around white rock lake to buy an investment property? Any suggestions appreciated!

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Are Vanguard target funds good options to invest my 401k money in?

Anybody know any good financial advisors? My husband and I are broke btw 😂😂😂

Hi Fishes,

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

Do Big 4 partners need to maintain any level of independence in retirement?

HGTv has more ‘gaines’ than I have on crypto #humor.

How hard is everyone pushing their corporate clients to authorize nonresident assignees whose only 2020 US compensation was the value of their 2019 tax preparation?
My clients are pushing back on it this year, and I can't say I blame them. If I were in their shoes, I'd rather take the risk of not filing than the expense of filing again. From my own point of view, I don't really want to spend my time on such returns, either, even if the revenue and easy return are nice.

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

Curious to know what is everyone's target net worth and how old would you be before you decide to feel comfortable settling down or moving back to India?

Second year associate here who recently switched from litigation to corporate law. I am absolutely swamped while simultaneously having no idea what I’m doing ever and I’m feeling so burnt out. The partners are pretty great and feedback is constructive which I’m grateful for, but I’m so desperate for a compliment I’ve been saving any scrap of positivity in a folder 😭 it’s December 22 and I haven’t done my Christmas shopping because I don’t feel capable of thinking about it. I need a hug.

I have the final interview with Deloitte for their EFA analyst position. Anyone know what to expect for that?

Does EY gds started asking to call there employees to base location?

I’m currently an HR specialist and trying to decide what I want my future to look like. I would like to step away from the transactional, administrative HR work. I’m fascinated by employee satisfaction and like the idea of helping to improve retention and leveraging metrics to improve toxic work environments (I’ve seen a fair share of dysfunction in my career). I’m thinking the Consultant route may be best for this. Any other thoughts of roles or titles that may align?

Damn this isn't a study group but a library, where people are sitting quietly. 🤷🏾‍♂️

I’m F traveling to Delhi for the first time with another F friend. I would like to tour Delhi and Agra over 3 days. Looking for personalized services as I’m interested in visiting specific spots in Delhi. Appreciate any tour services recommendations. (Safety is our biggest concern.)

Now that the craziness of 2021 is firmly in the mirror, what is your class year and when do you normally stop working at night, on average? For me 6 to 7 is the average. Have to wake up at 5 or 6 a.m. one or two days a week to make that happen though and it may not last through Q4..

Hi Fishes
Planning to shift to Pune in Mid May or June.
Any leads on flats or flatmates, please dm
Female A
Looking for a fully furnished flat
Rent can be around 15k.
TIA
(Telugu valu ayithe inka better)

Let’s talk office set ups. I am looking at a Uplift standing desk as my big splurge because I have back issues, and the room I work in has horrible lighting so I’m considering some sort of selfie light ring type thing that I can clip to my monitor. Anyone have feedback on either the desk or a light they like, or any other ergo friendly home office hacks you’ve found helpful?

How much weight do you put into your gut feeling of "I do not like my interviewer who would manager me" if you think it could just be you have unrealistic expectations

Am I more or less likely to be laid off if the economy tanks even more if I just started as an analyst two months ago

Unpopular opinion: as a vet, I can assure animals can be as mean as human beings, they just can't speak up for you to know. And they also have the power to dislike you.

Currently making 160k annually and looking at an opportunity to be an independent consultant with big pharma. How much hourly rate would YOU ask for to switch such a role?

Any recos for a therapist who:
- is in BK/manhattan
- takes Oxford Health
- is good for treating social anxiety
- is female (preferably but not a game changer)
?

ADHD in financial management. Curse or blessing when you do about a million things in a day for your clients and staff? Always suspected I had it. Never diagnosed.

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Any tips on refinancing student loans?

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

Landed a contract role at Deloitte via MBO Partners for an audit senior role. MBO is making me a W-2 employee for MBO, but I am getting paid $125/hour plus overtime. Am I missing something here or am I about to be making $5K/week (or more with OT)? Anyone have any experience with MBO or doing contract work like this? Obviously way more than I'd make if I stayed at KPMG for busy season.

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)

Advice and tips for a first time rental property investor?

I am 24 saving up for my first property to purchase at the end of 2021 / early 2022 in the Long Island, NY area.

I’d like to save up around $50K in my HYSA for a property <$400K in LI. Does this sound reasonable?

Does anyone have any advice on investing in the LI area (best location, SFH v MFH) or just general first time rental property buying advice?

Thanks all

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?

Anyone know of a good cross-border US/UK financial fiduciary?

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

Thoughts on staking crypto? What’s the safest way.

Red flag? I use TD's robo investor for my IRA and personal investment portfolio. I noticed it chooses the same ETFs, although potentially a different ratio. This seems that it's not properly diversified for long and mid term. Should I be concerned, or just let the investment fly?

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way