Any financial recommendations or adjustments based on the below info and picture? Married couple in early 30s (31&33) living in HCOL city with current total income between $300-325k without any kids (likely in the next 1-2 years), and we are saving around 38% of income so thinking to increase cash savings and paying off car loan with higher expected costs of children. TIA!

Hi Fishes,

I have 1.6 years of experience in Java, Spring Boot, Angular, Microservices.

If I'm planning to switch how much CTC can I ask for?

Current CTC - 5.8LPA

Is there a problem to stay contract with your recruiting agency instead of converting to full time with the company? Should you push to get converted sooner rather than later?

How much amount free items can we take in medibuddy as a new user?

How we can expect market correction in bny ? When to communicate with manager for market correction?

Fishes- Need some quick knowledge/suggestions for Monthly Investments. I have a 10k Monthly ELSS SIP and 10k Nippon Pharma MF SIP. In addition to this, a small amount 15-20K flat invested in Crypto. I have some more money to spare- 10-15K/month. Any suggestions where I can invest this? I have little knowledge of stocks so would be a little hesitant to get in.

My wife and I use a joint account for managing our monthly expenses. Can we both use UPI IDs linked to this account on our respective phones ?

🚀How much salary range for VP - K grade in bnym ( Bank of New York Mellon) technology department? Skills - Java microservices Expr - 13+ yr

@bny Mellon technology

Have a lot of summer weddings and I’d rather not sweat through a wool suit. What are some good summer wedding outfits (pics if u can pls)?

Hi everyone,
Looking for a M&A HR checklist that includes due diligence through integration. I have one but would like to see what else is out there and compare. Happy to share my email directly.

I just got a long-term sub position (~4wks) to kick off a new kinder class. It’s my first time with public school Kinder, and I am NERVOUS! Any tips and tricks for routine and building class unity?

Is there a hard limit on how frequent you can apply in a year at FAANG? (For instance: Amazon, Google)

Also, how many positions are we allowed to apply?
There are just many positions at different teams right.

Good evening!!

New to the group.

Ok so another FAANG has confirmed layoff this week. Amazon joining the layoffs group with 10k layoffs!!

Anyone received offer from ZS recently?

What US law firms tend to hire more LLMs?

Got offered a full-time offer for this summer that handily beats one I accepted back in October, thinking it was the best I could get.

What’s the best way to tell my old recruiter I don’t want their mixed nuts baggie of an offer anymore?

What is the tipping etiquette on the free platinum breakfast in a JW Marriott? The server just gets coffee / orange juice and you serve yourself. It is an overpriced buffet that I would never dine in.

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

Do you count your car as part of your NW on Mint/other trackers?

Trying to help my retired dad - When I google for what to do after retirement, only retirement planning related things shows up. My dad has been a workaholic and hasn’t developed many hobbies he could pursue. I was wondering how I could help him stay slightly occupied if not busy. Anyone here experienced this with your parents or yourself? How did you navigate this?

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

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? 🙏

Sooo AMC.. who’s in?

😂

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

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

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

Question about what to do next. I’ve maxed out everything—401k, HSA, IRA, backdoor Roth 401k. My bills are all paid. I’ll probably make about 16,500 more this year to do stuff with (ie money that isn’t going to taxes or insurance or anything). What should I do with it? Crypto? Set it on fire? Get a hair transplant?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

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)

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 😂

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?