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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Normally, interest rate is 6.3%. I had every intention of refinancing (literally just before Covid), but now im more confused about what the strategy should be. Im fortunate to have a great relationship with my parents and live basically rent free with no pressure to move out. Would obviously like to do so sooner rather than later but also want to make sure I do so with firm financial footing.

There's no rush to leave your parents house. Also, refinance those damn loans, you should be able to get half that rate easily. To your question, pay the minimum on your loans, and a little extract, save/invest as well. I generally am against aggressively paying down debt especially if it's not too expensive. But 6% is high so please refi!

Thanks. Is there no concern about what the new administration is going to do with interest rates or forgiveness of some kind. Seems to be some impediment to rushing to refi.

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Let's mention your fixed CTC, and the income tax you had to give this year.
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Kinda confused when calculating IRR/MoM in LBO, especially when it comes to net debt. When buying the company, you are responsible for refinancing the exisiting net debt (ie the PE firm has to take out bank notes / equity to cover the net debt), but when you are exiting the company, you have to use your own proceeds (EBITDA upon exit x Exit Multiple) to pay off the remaining debt. Why would you having to pay off your own debt when exiting? Why won’t the buyer be on the hook for refinancing

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$1.2m quota. 3/4 of team is hitting quota. I hit mine in August.

Unlimited PTO. Pretty good benefits.
I work roughly 30-40 hours a week.

4 years sales experience, 8 years total experience.

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Hello Friends,

I have been offered Manager Level 2 at EY FSO BIEP with BASE of 155 and 10% bonus and sign on bonus. Have also been told that in their upcoming cycle I would be progressed to Level 3 and that would bump up salary. I am not gain much in terms of Base salary but organization wise EY is much bigger than current and weighing in benefits it's quite good compared to my current.

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Hi Frndz..

Monthly take home with new tax regime plz...

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Recently joined SAP Labs or got offer
Your year of experience?
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TTC? (Please don't include benefits for e.g. Educational support, only fixed + variable )
Shares / ESOP?
SAP

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Hello
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And it continues! 😐

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Additional Posts in Personal Investment Chatter

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