Alright savvy fish… starting at a startup that doesn’t offer a 401K option (yet). My base is over the Roth IRA income limit. What are my options - can I do traditional and then convert?

Is the mobile phone reimbursement money given by Deloitte or pwc for new joiners??
If yes how much is the maximum

Weighing whether another year of IB experience would be helpful, or would just make me one year older at the same starting point in PE.
I’m 1.5 years out of college as an analyst at a middle market bank within the healthcare M&A group. Getting worked a lot but starting to operate as an associate on deals. Debating accepting an offer for a newer, lower-MM healthcare and growth focused PE firm. I know I want to go to PE at some point, but what are some thoughts on when you should go?

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

Is moving to a HCOL city a bad move financially? If my fiancé and I are making $70k+ in our LCOC market we’d expect an increase in salary to move. Does it even out over time? Is buying property in a HCOL city better than in a LCOL city?

Best resources/books on getting personal finance in order?

How is ProcDna firm in terms of wlb and monetary benefits?

Not related to job offer so people not interested in other topics may ignore pls

Its related to the salary

How do you manage your fund after marriage? I'm "She" about to get married by year end , I have my parents to look after so am I expected to spend same amount on in-laws & husband?

How do married people work out on salary part? I have zero idea . is it something that should be talked about beforehand?

Are crypto IRA’s worth it or is it better to just open an account at Coinbase and invest that way?

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

Looking into a CAMS certificate. Does anyone who have this want to talk with me about the benefits process of getting this?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Curious: What percent of your income do you give to charity?? 💰💸💰💸

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

When you stake ETH on Kraken how long is it tied up for? Right now it says I can’t unstake it.

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

List the college you went to. When you graduated. How much you pay monthly on student loans and when you think you will be done.

Hey all - looking for help finding new men’s clothing for casual wear (all seasons). What’re your go-to brands?

Trying to expand my style & look at new brands - currently shopping at Zara, H&M, Bonobos, Banana Republic

Thanks for the help!

Hi fishes,
I have recently joined in a project as a Oracle JD Edwards finance Functional Consultant.
Is this a good ERP to kickstart your consulting career and whether there are good opportunities for this ERP in the future.

How many people here wants to switch job, but can’t due to current market scenario or GC process ?

Comment 1 for current market scenario.
Comment 2 for GC process.

Can anyone tell if SAP SDC renegotiates offer after releasing if I have a greater offer from somewhere else.

Hi All,


I have 3 offer letter in my hand Ericsson 12 lpa,PWC 14 lpa and Comm-IT 18 lpa.

So please suggest me which company is better and why.

Can I go with best salary or go with brand.

I have 7 year experience in java development

How does one go about resignation in the remote setting?

Should i email my boss then follow up with a call? Or the other way around?

The "confrontation" is really difficult for me lol. I actually like my current boss and she's been helpful and made me feel like she looks out for me too. But the new opportunity is too good to pass up on (huge increase to pay. No concerns on the team since ive worked with those people in the past in a different company)

What do you do when a store manager let's a cashier.walk all over the assistant manager? Dm isn't any help. I'm at my wits end! Store manager sticks up for cashier every single time. I've offered to give that cashier my keys . I'm so done with trying to do right, only to have manager make up excuses.

Almost a week with On-site interview and it’s been a radio silence from my recruiter. Should I reach back to them or is it normal? Not at all impatient, just trying to know what’s the norm.

Any tips for how to better implement feedback on drafts? My work is so heavily redlined that I struggle to consistently follow through with every comment/feedback. I am in patent prosecution, so it is a lot of detailed technical writing, but is also fairly formulaic, which is nice. Thankfully the partner I work with is extremely patient and a very good teacher, I would just like to be better at learning from his very thorough feedback.

Hi Fishes,

Is there any Referral opening in your organisation for below skills.

.Net core and Azure

Serving Notice - <1 month left

Kindly DM or comment below.


TIA

Got approached by 2 desi consultancies for the exact same role and client today! Not sure how do these guys work. Is it even worth considering their offer? I have always worked fulltime in the corporate world

Hello Fishes, I'm a UI/UX designer with ten years of experience and hold a GL offer of 25 lakhs. Is it a good company to join? Kindly do reply with job security perspective. 

Does PwC provides joining bonus

Is it stupid of me that I scaled back my 401k contributions 12ish months ago because the market is so high? Considering increasing again but am wondering what y’all are doing?

Refinanced my house last month and just got a $5k check for the property tax escrow balance from my old loan. My plan was to use that to put down on the new loan (new lender funded the property tax) but I’m wondering if I should just invest it? My rate interest rate is below 3%. Anything I am missing here? New to this process.

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

Anyone have an HM Bradley referral they’d like to share w me? Feel free to PM me if you don’t want to post your referral link.
Thanks 🐠

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

what upgrades are worth buying on townhouse or SF home. planning to live there for 4-5 yrs and later move into bigger house. will rent or sale this property at that time. house is in MD.

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

Looking at getting out of consulting and buying a business using an sba loan. The business in interested in has been around for over 20 years.

Asking price is 800k
Gross revenue is 1.3M
Net profit is 260k

How difficult would it be to secure an SBA loan for the entire amount?

Want to splurge on a 1BR luxury apartment in Chicago $2100 a month (all inclusive). Make $90k gross, no debt. Saved up quite a bit living at home, would you do it? Coming from a low income fam, never imagined making so much but feeling guilty about spending so much.

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

I need some expert advice. I have 40k in 401k and 40k cash in savings account. I moved all 401k to a very low return safe portfolio in July and basically I haven't done anything with the cash as well.

Starting to feel like I am missing out on returns and now is the time to put everything back into the market. Does anyone know reliable financial advisors that will do it for me and also account for the independence related restrictions.

Other suggestions/tools appreciated as well.

Is VWINX a good fund to buy ?

If you’re trying to retire early (before 60), is it advisable to max out your 401k, or is it better to invest in a brokerage account instead?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

So a lot of hate towards Whole Life Insurance, could someone please explain why they are so bad? Thanks

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

Marcus HYSA rate cut down to 2.0% :(