After 4 years of saving money, paying off student loans, reading books and listening to podcast I am finally ready to buy my first house hack and have been approved for up to $750,00. However, I am a little dishearten as everything is SOO expensive, especially for me living in San Diego, CA. Should I wait for the market to cool down? Should I move somewhere with less expensive housing? Willing to to whatever it takes to eventually become financially free.

Hi there, I am looking for companies/referrals hiring AE roles right now. I have 4 years full sales cycle experience and have been a top rep at my HR Tech company located in San Diego. Looking for a hybrid role in San Diego or remote position. Anything would be helpful, thanks in advance!

How hard is it to unload a lease in CLT? Has anyone done it before?

Anyone have any learning resources they recommend about CDFI’s and impact investing more broadly?

Thoughts on the VC Royal Eagle? Seems crazy undervalued, you can get it for less than a DateJust! What am I missing here?

After listening to the Mike Saylor podcast with Lex Friedman, it made me reconsider my notions I had about BTC layer 2. IMO ETH has thoroughly eaten BTC’s lunch from a development/dapp perspective. I’m 50/50 allocated in both because as Mike says BTC is durable digital property while I see ETH as the platform for application functionality. Would be interested to hear other’s takes. At the core of it, I’m not sure myself and others will ever want to spend BTC, even if fees were negligible.

Hello I just started my first job (I’m 22) and I need to set up a 401k for matching with my company. I’m really confused how this works because I want to try to hit the IRS maximum of $19,500 for Roth contributions this year. Maybe it’s too late in the year now, but it’s asking me to pick my desired contribution % per pay period, but I’m not sure how much to do because it says it’ll kick in 1-2 pay cycles and I don’t even know when the next pay check comes yet. Any tips would be great

Which SF neighborhoods to consider? Lady 🐠 looking for safe 1br with public transit / walking accessibility to FiDi and not far from SFO. Hoping to spend $3k-$3300, but could go up to $3500.

Recommends on best Marriott property to stay at in San Francisco for New Years ?

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

Do you think someone who owns 200 ETH is financially independent?

Hello! I’m looking for an affordable financial planner based in Boston or available for a remote consultation. I am a professional in their later 20s looking to set up a budgeting plan for myself. Thanks so much!

I am looking for a 2bhk (family) in Viman Nagar or Kharadi (Modular kitchen is must) without brokerage. Any leads would be super helpful.

Well I guess my holdings are never going back up in value

Is it worth selling UBER shares or buying more?

With interest rates rising, I Bonds are back in the discussion. Thoughts?

Hello folks, My ctc is current at 6.2lpa and I would like to cut down my taxes. Any suggestions on where to invest for tax savings? Also is FD a best plan for investment with lock in period od 4 yrs for tax saving bills?

What is happening with GHIV is it a good time to buy?

Do big4s have any history of offering early retirement packages?

Best non-travel credit cards? I have Chase Marriott and SW but looking at best value cards during Covid. Esp Amexes. TIA!!!

Hi folks, looking for 11 likes to unlock DM, please help me out, thanks

I rented a house that had been vacant for a bit & the prior tenant didn’t do a thorough job cleaning up. Agent indicated the owner would be open to having the house cleaned but I would need to have the house professionally cleaned when I moved out (that was fine w me). I just received the bill from the owner for $250, which is super annoying bc there was no expectation communicated that I would foot the bill for this, more so bc the cleaner did a LOUSY job. More in the comment below

Go-to outfit for client meetings?

I have a Deputy CISO who constantly instructs us to not go to HR with top level compliance issues (because JP Morgan Chase frowned upon it). But these issues are pervasive to tone at the top and could cause non compliance. What should I do?

Interested in Learning more about online teaching or tutoring roles, anyone have any insight or know of any openings?

Struggling with identity now that I’ve finally, truly accepted depression/anxiety are medical conditions I need meds for. I love who I am on meds, but I hate feeling like that isn’t “the real me."

So anyone Opting In??

Anyone tried the new Sanctions Certificate (CGSS) offered by ACAMS? Trying to see how difficult it is considering I don't have a lot of experience with sanctions compliance. I have CAMS & work in AML

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???

Anyone who's done ID work right after law school but transitioned on to something else after a few years? Was your ID experience marketable? If so, in what other practice areas?

Hi Fishes,

*Currently Unemployed*

Ive got an offer frm a company offering me 7LPA(micro company) nd the joining's on next monday.
My Last CTC is 6.5
There budget was upto 10 when i asked but feels like they playing me for my desperation to start working.

And I am expecting an offer from a bigger company and the joining's in the month of Feb.
Dnno about the offer ill get just yet.

You think its a good idea to join the micro company for 2 months and then leave to join the bigger one?

Boston Consulting Group EY-Parthenon - Folks, Whats the BCG equivalent position for a EY-P Assistant Director/Associate Director? Is it a Principal or a Project Leader? What factors could drive this decision in an interview.

I applied for a role at Amazon bit the status has not changed from Under Consideration since May, should I wait longer or consider it closed?
They have not contacted me for any rounds yet.

What are the recommended tax saving options apart from 80C, HRA & NPS? Any insights would be much appreciated.

Is there an uberpool version of chartered private jets? With this summer openings and travel restrictions lifted, domestic flying is going to be a massive hassle and aiports overcrowded. Wondering if theres a way to fly with smaller jets and smaller more private terminals by splitting costs among 8–12 people

Taking AUD this week, any suggestions?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Any disadvantages to buying VTI (manually) vs. VTSAX (automatically)? Apart from convenience/removing emotional decisions. Fidelity charge $75 to buy any amount of VTSAX. Seems insane fee when you can just buy VTI for free. Am I missing something here?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

Want to make investments but the market has been going up. Any advice on whether I should wait for a dip or just go in. Newbie here so looking for perspectives

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

Hi! Pretty new to this concept, and really early within my career (only 3 months in). Currently on my company’s 401k plan, contributing well beyond the minimum to receive a match, and maxing the amount I can put in right now (25%). Dabbled a bit in options and stocks in general. Any advice, guides, or starting places you would give someone in my shoes? Thank you in advance!

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Anyone a CFP as a side hustle?

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)

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Has anyone used Motley Fool’s stock advisor program, and found it helpful and worth the membership access?

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

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.

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Listening to Rich Dad Poor Dad and I keep expecting every story to end “and then everyone clapped” 🙄