Am I taking too much risk in buying a new home? analysis attached. Target home purchase price of $1.35m. I analyzed the risk by looking at 3 different income scenarios. My wife will continue to work, but the min income scenario is her not working. The min case is very look probability.

New to investing and have 60k I want to buy index funds/ETFs with, should I invest like 5-10k a month or all at once? For context, I have emergency fund already established and contributed to Roth IRA

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Has anyone here used New Western to buy real estate deals?

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

Looking to see how much other Provider Enrollment Specialist make including what their company's invests in their 401K

How do you control frivolous spending? Grew up relatively poor and now spending stupid money due to feeling like I "deserve it". I pay off my loans on time but want to pay them down faster.

hello, in elss is mirrae tax saver good or quant tax plan?

Looking at roles in Seattle & SF - currently live in Chicago. Making 85k with 1.5 YOE. Tech/ big4 consulting / retail

If I want to maintain the same/ similar lifestyle (I have no roommates, no SO, some student loans, I am comfy, I don’t ball out by any means) what type of base comp should I be looking for?
TIA!

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

I have about $45k in a CD that just matured. I’m thinking about placing it probably in index or mutual funds but have only basic finance knowledge and am not sure about which or how to split. Advice??

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Is it worth saving money with 401K or get better rates in FD’s / Post Office etc in India ? FYI 50% match is provided by company for first 5% only

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

Does RSM allow for Megabackdoor contributions?

Buy call for SBI Target 600 by June.

How do you all make the decision of when to keep hodling or when to sell (or other strategies)? I’m definitely a believer of the bubble, but also think more money can be made...

Hi fishes,
I will be promoted to A from this Oct . Pay scale will change from Oct . So will I get yearly hike or they ignore it ?

I’ve been working a Boston based commercial lender for about 9 months as a credit analyst since leaving my relationship manager/portfolio manager role in agricultural lending. I’ve been presented with a portfolio analyst role they have created for me (was told not to apply for a PM role) . The offer is for $100k, is this reasonable? I feel like I have leverage due to underwriting 48% of the volume we have booked by myself and my team is 7 other analysts.

The work culture from my current position very bad and I decided to search for other opportunities. I have been interviewing for companies but have not landed the role. I am distraught, frustrated, and lost. If you know of any remote Supply Chain Management, Business Analyst or Business in general opportunities, please let me know and I appreciate your help in advance.

What is the salary account bank for Atos Syntel...

Which of the two contributes more revenue YOY then the other? New Clients or Existing Customers?

When do you update your LinkedIn when lateraling? I have a week off in between firms and am unsure as to when the appropriate time is to update my profile. My first day at the new firm? Or after finishing at the old firm?

What would you say is the difference between a billable hour target vs. minimum? I feel like some firms boast about not having a “minimum” but the expectation is that you to exceed this target which just makes it a minimum.

Software sales folks earning commissions based on MRR as customers are invoices- Do you get paid commission for deals you closed even after your employment ends?

What kind of ratings are you supposed to give your counselee in LEAD feedback? Should be give one less than gold standard to everyone

I graduated law school in 2016 and work at a small-medium size firm. What should my salary be compared to other firms? (In the process of applying to other firms and I think I currently make on the lower end)

Reasons to stay in NYC? Kinda feel really sad living here.

Hi! I’m scheduling a screening phone interview for a senior marketing manager position and I’m wondering what my salary expectations should be? 6 years experience & nyc based. Any insight here would be greatly appreciated.

Thank you!

Hello folks, can someone please tell me about the laptop policy in JPMC... I heard they ask you to connect to remote desktop via your personal machine

Any company (consulting or others) still sponsoring h1b visa or green card for new hires?

I’m a senior associate and received an offer to join a very profitable client as general counsel that would open lots of doors professionally and financially. Problem is I’m super burned out on law and was planning on quitting law firm in the next few weeks and doing something else with my life. Someone kick some sense into me before I decline the offer.

Capgemini and Capgemini Engineering work location are same in Noida?

Hi Guys,
Is the notice period is 90 days across HSBC or is there any chances to reduce it while job switxh

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

What does 401k mean?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Google stock to buy now or after the split?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Paid off my account debt!

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

In your opinion which is the best target fund to choose in IRA Roth?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?