A'ight my fellow FIRE peeps, lets have a GREAT week working towards our goals. Cheers!

Recently arrived to visit my aging (mid 60’s) mother. The last time was a year ago. For the last several years each time I visit there are visible cob webs all over the ceilings and walls throughout most of the house. I try to address it as an issue that needs more attention but get laughed at and gaslit. Her mental stability is quite concerning. The house is falling a part too with many repairs needed and unaddressed.

Thoughts on how to handle?

Hi fishes.. I have an offer from MindTickle and Adobe. The only difference comes down to ESOPs vs Real Stocks. Does anyone have feedback on Adobe? Pros, Cons, Red Flags?

Any open scientist positions in Florida ? TIA

Animal scientist, research scientist in ATL region. What is a base rate?

I have a tentative job offer for kindergarten. I have only worked in 1, 2, 7-8 ICT and 9-12 General music. What happens in kindergarten? Would I be crazy for considering this?

What’s the average employee referral rate out there? Any resources to refer to?

Share your salary progression. Are you happy where you at, or looking for more? What’s your ideal next salary?

Expected TC for Product Manager at Apple?

Looking for good cash flow software/app. Trying to help clients understand their budget without them (and me)dreading putting it together.

Soooo what are some implications of amazon now officially coming to Arlington?

First GMAT attempt 640 Q42 V36 IR1 AWA6
When next should I attempt it? Does 2 more months of prep sound good ?

People in UK/EU - Is it your experience that PRINCE2 is valued more than PMP?

I'm confused which one I should do. I have no intention of moving to the US, but Canada maybe.

Has anyone ever built a rev rev / deferred rev workflow in Alteryx? If so, how?

Need 1 RB and 1 Flex in a .5 PPR league. Gio vs NYG (if he plays), Fournette vs KC, Drake vs NE, Edmunds vs NE, Montgomery vs GB, or Antonio B vs KC

Was I the only one to have CMG Put option? They seriously do somehow takeout the rabbit from the hat...Such a bummer!!

Hi fishes

What is the appraisal cycle at persistent?
Is it Jan- Dec or April - Mar?
@persistent

I want my ex back.
I'll never find someone as great as her.
Especially not with this attitude.

I make 70k CAD and want to get started on my FIRE journey. Any tips? I don’t have a lot of savings and I have only just started. Pretty scared seeing the housing prices 😢

I find this bowl both inspiring and depressing as I’m at the lowest of lows in financial terms of my life. Ugh.

Does anyone know the answer to this? - My first mortgage statement was generated on 11/2 with a due date of 12/1 and includes a month of interest based on the balance on 11/2. I made a principle only payment on 11/14 of $500 which was applied right away. Will the interest automatically recalc to reflect a lower outstanding balance for a portion of the month? I plan to do this every month.

Just signed the offer for my exit. Getting a 30k+ signing bonus, and would like to hear thoughts as to some good ideas to invest this to maximize my potential.

Some ideas I had is putting some in a ROTH IRA and the rest in a high yield investment account or a VOO, as extra capital I can use to invest in real estate or start a business in the near future. Would love to hear what the bowl recommends.

I'm switching jobs and considering whether I want to roll over my 401(k). I have about $220k in my plan. Considering rolling it into an existing Fidelity IRA with a balance of about $50k. Since October of 2020, I've paid about $880 in "plan administrative fees" to my 401(k) provider as well as the fund expense ratios.

It looks like Fidelity does not charge administrative fees on IRA accounts, so that seems to make it a no brainer, plus the investment options are much broader.What am I missing?

I’d love some help thinking through this. I’m currently renting for $1600 base ($1800 total) and live in the least desirable part of town, and expect it to raise to about $2k/month. I was planning to buy my first property in the city and Airbnb part of it, but it will take me about a year to save up the cash (~$500k starting). Eventual goal is to move more rural but trying to build to FI. I found a property in my ideal dream location for $280k but it needs work, and can’t Airbnb it. Continued

Has anyone taken a mini retirement ( 1-2 years off)?

Let’s share food ideas we eat at home to help us save on dining out. This is where I need help since I love a good meal and don’t like to skimp here

So let’s say I meet my FIRE number but all my money is in retirement accounts....how do I retire early? By early I mean like late 30s early 40s. Wouldn’t I pay a penalty?

Has anybody used personal capital advisors? Is it worth it?

What is the best credit card right now? I have mostly used my Marriott and Southwest for the points, but looking at other cards. Chase Freedom is not that great. Heard good things about Chase Saffire Reserve. Also thinking about non travel cards. And Amex. TIA!!!

At what point would you suggest working with a financial manager to set up your investment goals & make sure you’re on the right track for early retirement? At a certain age? After you have a certain amount of $$?

(I already handle my own investments but I don’t know if it’s time to get professional eyes at my portfolio & discuss my goals)

I’ve been working for a couple years, living at home with parents so I have a considerable chunk of savings, BUT I’ve made the folly of not investing my money. I really want to start investing meaningfully, but what’s the best way to go about it? I’m pretty risk averse so was thinking of just putting most of my money in index funds, but I’m not really educated in this space. Any tips?

Is $78k enough for starting salary in SF? I’m splitting rent with girlfriend, so won’t be much more than what I pay now in Chicago, under a $63k salary. Is it a smart move?

New to MBDR, topped off pretax 401k today and will get full company "match." Going forward I plan to do after tax contributions, does it make sense to change investment direction to money market to reduce the likelihood of nondeductible losses or taxable gains between dates of contribution and rollover?

Joining a startup without a traditional 401k (not US based). Are there any other equity investing options besides IRA and standard brokerage contributions?

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)

I’ve been listening to “millionaires unveiled” (highly recommend for FIRE content) and it seems like every other guest ends up doing real estate investing. If you do it, what books or online courses would you recommend to get started? If you have experience in real estate investing, would you ultimately recommend it?

As the year wraps up, what % did your total net worth rise YTD? Btwn earnings and market and crypto, my NW is up 25-30% this year