After maxing out 401k, where else should I save money? Roth/brokerage account, personal savings, something else? I’m now in a position to max out 401k and put more money aside, but clueless what to do. Don’t judge, just dumb when it comes to this kind of stuff. Also, no kids, no mortgage, no college loans, no real debt.

like
Posting as :
works at
You are currently posting as works at

Make sure you have 3-6 months emergency savings in a HYSA. Roth IRA next and max if you can. If you have more money left over after that, put some money in your triple tax shielded HSA if you have a HDHP. Otherwise go straight to your personal brokerage and invest in some index funds, or other securities or your choosing. Voila!

likehelpful

I’ve had an Amex HYSA for years and it’s been great — no issues, competitive yield

helpful

If you have a health savings account that’s often a great option. It’s pre-tax, doesn’t expire, and it’s just money you plan to use for any vaguely medical expense which you’ll surely have. Also, many of them are / can be held in index funds so they grow with inflation.

like

np!

Roth IRA

like

If you’ve maxed out tax advantaged accounts, open a normal brokerage account and invest.

like

Invest in real estate. Diversify

like

Or get a dog. I got one and its expensive as @#$%

Related Posts

In your workplace, how many people work under a Partner? I'm interviewing for a role where a new partner is building her own team, and they've already hired mix of 10 C, SC, EMs.
I'm trying to gauge how many roles may be left.

US based boutique consultancy if that matters.

like

brb...applying for a new role

Post Photo
likefunny

Seeing a lot of openings at the Director/Senior Manager level for Financial Crimes advisory teams across the big four. Any advice or insights worth considering before applying? Thanks in advance!

like

Anyone willing to provide a referral for a PwC consulting role in Australia? I’m currently in the US and looking to move for new opportunities.

like

Wasserman is currently hiring for a ton of roles. If you see something you are interested in, please let me know. Happy to provide insight.

like

I’m going to interview people for an AE role (more like AC based on the salary and experience level), none of the candidates provided by HR have agency experience.
I’m spiralling thinking about what I should ask to really get a sense of their capabilities. We really need someone who can learn quickly and take initiative as I’m drowning rn lol Any tips?

like

Physician Assistant salaries in the Chicago Area? I’ve practiced at an AMC for 5.5 years and make around 116k salary. Outpatient surgical sub specialty, but the same salary “formula” as my previous role in urgent care in the same system. Another AMC offered me 124k 9 months ago for a similar role - which I turned down due to some red flags during interviews. Recently got a 10k retention bonus when I voiced my intent to leave but still feel underpaid as I’m literally keeping my practice afloat.

like

Hello fishes,
Looking for opening as a Product owner/Product manager/ Senior business analyst in Mumbai, currently working in Deloitte USI as a Product consultant. Any leads would be helpful, thanks! 😊

like

Hi Fishes,
I'm working on support role in Infosys, I want to switch my technology. So I should switch to Data Analytics or
Data scientist.
Please suggest.
I'm from CSE background but doesn't have much coding skills.
Thanks
#deloitte #help #amazon #Google #Infosys #bigdata
#Adidas #Goldman

Need referral for American express and Barclays

like

Creative Director in London- what should I ask for?

This role requires relocation, I am currently in The U.S, with 15+ yrs experience across brands and agency from different countries.

🙏

like

Looking for a referral for Product Manager role in any reputed product based firm in Ggn or NCR?
Have pursued my MBA from Spjimr.

like

Hi all, Interviewing for a principal customer solutions manager role at Amazon. Can anyone share details on what kind of questions to expect for the first round? Second round? Thanks!

like

Hi, I’ve been looking for an IT Project Manager role, anyone know of any companies hiring immediately?

like

Is it common to reach out to talent agents/external recruiters and have them meet with you and then they never send any potential openings your way? Wasn’t sure if I am did something to turn them off

like

Hi! I’m doing some research on employee benefits (medical insurance, 401k, HSA/FSA, commuter benefits) and was hoping to connect with People specialists or HR professionals in the comp & benefits space. I’m trying to better understand any pain points or challenges you might face with utilization/enrollment. Anyone interested in connecting? Thank you!

Hey recruiters and hiring manager... Is a cover letter really needed? Do you even read it or look at it when people are applying?

like

I’ve been in an in-house role since the beginning of the year and just gave 2 weeks’ notice to leave for a much better paying and better titled position. The response has been very petty, to the point that I’ve been called unprofessional even after I asked the hiring attorney whether I could give longer notice at the current company’s request. Is this normal?

like
like

What are the benefits of working in KPMG GDC?

like

More Posts

Who does the ad work for Ashley Madison? Is it done at an agency, in-house, or a brothel?

like

New associate and our firm is slowly returning to the office. I really like my work from home setup that includes an ultra wide monitor and a another monitor in portrait mode. Would it be frowned upon to replicate this in my office?

like

Is the LV travel duffle worth the money ?

Hi fishes,

Just need your idea/experience (if any) on the following query:
I already have an offer with CTS.
I am also getting offers from other MNCs, but for other locations.
If I wish to join CTS only, but want to negotiate with them, on the latest offer I have with an expectation that they atleast match the same amount (if not offering me more).
So just wanted to know, whether at all they would provide me a revised offer or would they be strict enough to let me go & not negotiating at all?

like

What should I expect when trying to exit into a more competitive (geographical) market?

My home office is in a developing country (think non-EU/US, G20), I’m looking at Biz Ops/PM roles in tech in Western Europe. How much should I expect to be able to leverage my consulting/McKinsey background in this context?

like

My company has given me a promotion without a raise. Any suggestions on how to deal with this?

Little background:

Asked for promotion in late 2020 - was required to skill up, after skilling up, asked again about when I'll be promoted and was denied because there is no "vacancy" for it.
Got my annual hike in Oct 2021 without the promotion. I asked HR last week again and got a random announcement email saying my promotion is w.e.f Oct 2021. ( and no raise for the newly promoted role).

like

Does Goldman Sachs impose a 6 month probation period for all new hires?

like

How much CTC(including all components) is ideal for 5 YOE at Bangalore for SAP ABAP Developer with HANA and SAP Intelligent RPA?
CTC now is 12 LPA

like

Anyone have rate advice for a stint in reality? Non-union, web and streaming platforms, day rate. I do expect it to be lower than advertising rates but need a number to come at them with.

like

So, I have lil Spanish lavender plants from Trader Joe’s and a midsized French lavender plant from Home Depot… the care info and the internet all say to give them full sun and water occasionally - what does that actually look like…? In case it matters, I live in Southern California somewhat by the water. Thanks in advance!

like

New to crypto craziness. Want to make first move- recommendations on site/app - factors r fees, tracking mechanisms etc. Any coins or trades suggestions? FWIW, aiming for 25k worth portfolio

A 5% raise in light of 1) calling it a “substantial” improvement on last year 2) inflation running above 9% 3) peers at other consultancies getting 10-15% raises in non-promo years is extremely disappointing

like

What are some top concerns startups have besides funding, burn-rate, and team scaling?

like

Which is better virtusa or Mindtree...bot offering same package

Looking at the economics of a social club. Any idea what the cost is to start one in a metropolis like NYC. Say without accounting for lease pricing. Light to med renovation of a space plus furnishing?

like

Should I decline the offer and ask to be considered for a higher role that better fits my qualifications? The offer I had was with a great bank but I'm overqualified for that. Its been hard to find a job because I dont have prior experiences.

What's a good wedding gift for your cousin? (aside from money)

like

How do I ask for more vacation time? I’ve been at this firm 2 years and only get 10 vacation days a year. Days get increased in year 4 to 15 where they max out. I’m beyond burnt out because I don’t have the time I need to fully rehab my mental health. Any suggestions?

like

Happy new year! Just a discussion starter: were you able to take some down time over the holidays or were you pitching right up to the end of the year?

like

How long does it typically take to get staffed on your first project? Feel like I'm going crazy and its only been a week. I finished all my compliance and updated my profiles and everything, just waiting for my RM.

likehelpful

Additional Posts in Consulting

Anyone who has taken firm sponsorship for MBA studies and had to pay it back post graduation due to a career change (i.e. decision not to come back to the firm post graduation)? If so, how did you manage to pay it back?

like

How do you answer "what do you do for work?" I've never gave an answer that I liked and they understood

like

That sheep in the Accenture ad though....gets me in the feels every time!

like

I feel like I am getting more judgmental and a bit less compassionate as I get older. Can anyone relate, and any tips to help stop this way of thinking?

likehelpful

Are all the Olive layoffs just due to preparing for the recession? So sorry to everyone who was laid off

like

Is it reasonable to elbow bump (vs shake hands) on interview day?

likefunny

How do you assert dominance to a client and persuade them your work is legit/correct when they aren't willing to take the time to read it? 23yrold.

like

One of my team members is rolling off my project in a few months and my manager wants me to take over the work stream and sub-team he was leading. I don’t want to 😭 I need a new job ASAP 😂

likefunny

What are some good bars / clubs to check out in Ocean City, MD?

like

For those with IBS, do you prefer WFH, Hybrid or in office?

like
like

Learned that I’ll be laid off next week. Setting up networking meetings now to find something new, but know it will take time. How do you explain a lay off or gap in employment to potential employers?

like

Do you believe work life balance can work in strategy and consulting? I personally do not...

like

Star Wars or Star Trek? Discuss.

like

Best consulting firms in Houston?
Looking for new opps

like

Booz Allen Singapore office is closing. Riyadh has downsized. Abu Dhabi laid off all cyber employees. Are Dubai and Lebanon next?
How does this fare for the firm’s commercial and Intl ambitions?

likefunny

Has anyone else had experiences with a client presentation going bad? What happened and how did the client react?

like

New to D. Been 5 months and got a scatterplot where I’m somewhere on the middle of the y axis bordering the 4th quadrant. Is this the most important metric during performance evaluation discussions?

Going into Senior Associate offer negotiation with PwC London UK, what is the normal base salary expectation? Or even total salary expectation?

I was going to ask for 56k

like

Has any of you had any luck joining another firm as a partner while not being one at your current firm?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal