Accidentally overpaid into my 401k (forgot to account for employer match). How can I correct this without getting double taxed?

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

How many quotes have you gotten for interest rates and overall costs?

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

Can grad students get $20k forgiven if they got Pell in undergrad but outstaning loans are only for grad school?

Does having student loans impact your ability to get a mortgage?

Seems that the vaccine that usually takes more than 10 years to develop, test for side effects and go through the regulation process is being very fast tracked to roll out - which is a super great thing to potentially eradicate the virus. on the other side of the spectrum, people with life sciences n healthcare insights, how reliable and safe would you say vaccine (being fast tracked) is...?

Anyone know good penny stock to invest in? I have some "play" money that I would like to invest in some good penny stocks.

Is it better to buy stocks and options around 10 or after 1 pm central time to avoid the market rush/high at 9 and 12?

"$20k in savings" seem to be the new FB humble brag

Is Deloitte allowed to use Robinhood? It's not a robo adviser and obviously you wouldn't invest in your clients. Or wealthfront?

Do we have access to learning platforms like Coursera and udemy or anything else? Or do we have an option for reimbursement?

Thoughts on Dechert FRE (real estate)?

Does anyone think that the $2k stimulus check proposal is too generous in terms of the income limits for who receives them?

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Best provider for good rates on used car loan?

Selling book of structured autocalls brokerage..all purschase when market was down with 6-12 month left to mature... 6467848487 cell....LPL preferred

How do referrals work? Do you apply first or wait for the referral, then apply? Looking for a tiktok referral.

I have a counter offer with more package than the Microsoft. Do they have a policy of blacklist the candidate if I change my mind after accepting the offer?

Really urgent, should i share the company name in sharing holding offer letter to second companh..or only compensation part shall be enough.I am not sure if i should share the part where they are addressing with my name as well for authentication because it has company logo and name as well.

Please reply fast if u have any idea.

Hello fishes,

I'm done with tech 1, tech 2 and hr round with wipro. It's been days after finishing HR round and there is no update, the consultancy says that I will get link to upload documents everyday but never received any

How many days will it take for Wipro to get back?

Will CSPO help in Product Manager role?

Looking to hire a boutique social media agency who has expertise in helping launch a CPG home cleaning product. Would need support primarily on social platforms. Ideally, the firm would also be able to create content and help determine who the target market is through data tracking and analytics. Any ideas?

Is the transition to electric vehicles going to cause a lot of changes for civil engineering? Seems like city planning might be affected

Hi I am single woman planning to move to Austin Texas. Looking for some good and safe neighborhoods for apartments. Would really appreciate some suggestions.

Are all big 4s in India the same? Moved from US to India and the work in one of the Big4s for consulting is so bad!! Unstructured, lack of traction, superficial work done.. 🙄🙄 how does any work get done? The project didn’t achieve targets last yr and they’re still making same mistakes this year..🤦‍♂️

Hi Fishes,

Looking for freelancing jobs

Is it possible not having a car in LA and still getting around safely? I‘m European and used to superb public transport, but I don’t want to use public transport at night and running the risk of being robbed or murdered! Any suggestions?

What would be a competitive earning for a Director of Sales at a SaaS company in Israel?

Hi everyone! I’m trying to get into the tech field. I have some customer service experience with a tech company. I also have a certificate for IT support. Any leads or suggestions to get a job would be appreciated.

Would anyone know how much a VP would make at companies like Egnyte, Immuta or Segment.

AST still rallying despite just over 150 watchers on StockTwits and pretty low social media coverage... tends to get spiked down after a run, so might want to wait, but something’s up

Ex-consultant now in marketing. Used to be an avid follower here and got great insights on companies when trying to exit consulting so thought I’d try here for advice. Outside of FAANG, what are good large CA-based tech companies that provide good pay, WLB, and culture? DD has great people and WLB, but pay is low and you’re not given the tools and resources to succeed + truly make an impact. Google and Apple are ideal but need backups. Like is Salesforce still good? A company along those lines.

I think I need Ex bankers as friend and accountants. I need people who we can discuss deals in the swift world with from time to time. I need people with great ideas in my life

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?

It’s crazy how much close friends influence you.
Would you stay friends with someone that consistently makes bad financial decisions. Or distance yourself for like-minded folk.

I have a friend that is constantly trying to guilt me and pressure me into overspending, especially on “luxury” items. But I have different goals for my money and she doesn’t seem to respect that.

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

What’s your FIRE target age (where you no longer maintain a salary job)?

Looking for a financial advisor to help us begin investing - any recommendations? Is $30K enough to start with?

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?

Kicking myself for not moving more of my retirement out of growth stocks and into inflation protected assets earlier this year. It should have been so obvious this was going to happen after all the events of 2020 and 2021.

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

Have 20k, what’s a good small business to start with this fund? Serious question here

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Maxed my 401k with todays paycheck 🏆 a lonnngg way from FIRE but step by step my friends!

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

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?

How much are your biweekly paychecks after taxes, insurance, 401k contributions, etc. and how much of each paycheck do you tuck into savings?

Wwyd if you were me: we have more cash than we need in savings account (not a ton more, but more than our usual emergency / buffer). Have $20k left on car loan at 3.5%. Normal I’d invest the extra cash and keep loans. But with markets and inflation as they are, should I just pay the loan off?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Those planning FIRE who have 2+ kids. Do you plan on funding their entire college education public or private? Grad school? How does that factor into your financial planning?

What’s a good FIRE-friendly car purchase?