Any thoughts on SOFI checking and savings account? Looking to switch out of Bank of America and it seems like a great option but I know this bank is relatively new and completely online, don't know much else about it. Thoughts ?

Any advice for an extremely young, incoming Merrill FSA?

How do I get a credit report for a deceased person?

Can someone repost that picture of how you should save your money in priority order? Can’t find it

#off topic

I am moving to gurgaon and my office is in Sector 33.
So Is it easy to get 1RK in Sector 33 or near by?

And what will be the rent approx?
TIA

Young analyst with effectively 25% Tax in Illinois, should I be electing traditional 401k or Roth 401k?

I make 110K TC and live in nyc. Should I buy a Tesla model y? It’s around 68K but with the 2K nyc EV credit and federal credit of 7.5K, it’ll prob be 58K. Is this a feasible purchase?

Hey
I have investment in crypto and as per kpmg policies we cant hold it. Can anyone please tell is there any way of holding the same and not getting caught.

New job. $4K left each month after expenses. 0 current savings. Not in US so no 401K, etc. How should I save? I’m thinking $1K cash and then $3K in Vanguard LS (after building 3 month emergency fund)?

(1 of 2) Help needed...

Context: Married with first baby on the way. Plan is for my spouse to stay home with our (future) kids for next few years. My income is $250-300K and keeping it that way for a while as I’ve moved off partner track for at least 2-3 years as we start our family.

$120K in retirement accounts, $70K in cash, $50K in home equity, and $6K in HSA

Beyond mortgage, only debt is a $25K private loan that we can pay back any time in next 5 yrs. and isn’t accruing interest.

Bought shares in AFI and ARGO with plans to sell them this year to buy a house
Sell now before they crash even more?
Or put off buying a house untill the market bounces back?

Has anyone here used an escalation clause in an offer to buy a home? Boston suburbs (Western side). Pros/cons here? Our real estate agent hasn’t said anything about it, so I thought I’d get some intel before asking

Considering moving to London with family from US (wife and 1 year old kid). Have £1K in monthly student loan payments that I cannot avoid.

What salary would you all say would allow us to live comfortably in London, assuming Zone 1 or 2 and the 1k student loan payments?

If your parents from another country want to gift you money (>$1MM), is it better to receive it when you’re in non US citizen status or when you’re in US citizen status? Or does it not matter from a tax perspective?

Recently purchased a home and starting the design process - planning to spend $70k on furniture in the next 6 months (sourcing through designer, not through big box retailers). What are the best credit cards out there right now with 0% APRs and rewards/cash back? Partner and I have excellent credit.

After hitting target emergency fund, is it better contribute more to Roth IRA/Roth 401k or keep retirement contributions at 15% and open a brokerage account for excess savings?

Has Bitcoin made its highest highs?

I got the Marriott Bonvoy Boundless credit card almost 3 months ago and I want to get the amex platinum card now, should I go for it or wait a little more? How long do you wait before applying for a new credit card?

I’m 25 and my offer for a house just got accepted. And nothings official yet so don’t want to tell family/friends so sharing it here. I’m so excited!! And nervous. What should I expect as a first time home buyer?

Is there any reason why people don’t invest in real estate ?

Currently 27 and have no loans. I contribute 7% to my 401K, $168 a month to HSA and $150 a month to a separate Roth IRA. Should I invest more in my 401K? I’m using the Roth account as half retirement/ half first home purchase account

How is adobe as a company in India ? I got role of senior business intelligence Analyst .

Is the “Manager, Corporate Strategy” role in tech typically a role to aspire to post-promotion to Engagement Manager? Or is that a role more suited for SAs moving to industry?

It’s always so uncomfortable asking people to pay you back.

Seriously a pet peeve of mine when someone picks up the tab/pays for something and people don’t immediately Venmo/QuickPay the other person back right away.

Just had a great networking call with someone at a company I’d like to work for… should I follow up asking to be connected to another person on the team? I hear it is a good networking strategy.

How would you ask someone you just spoke with to be introduced to someone else?

Also, any general tips for maintaining a good relationship with someone you just networked with?

Really starting to dislike how uptight people can be about little things. 😒

Hi All,
One of my friends got an offer from Allstate India.Just wanted to know how is the company in terms of learning ? How is the work culture?

Currently working in GFK as a market research associate for 2 years.

Earlier had the same profile in IBM for 1 year

Total YOE - 3

I have done a course and learned Advanced Excel, Power BI, SQL, python, tabluea.

Now looking to change position as a business analyst.

What's the package that I should expect???

Current package is 3.67 LPU

Any specific companies that I should try in??

Can I use a mix of points and cash for my capital one venture x and still get the $300 hotel credit?

Is there any reason why people don’t invest in real estate ?

Hi ppl. got mail last week frm google HR that she is the 1st contact point in hiring process. She mentioned to submit brief questionnaire & there they asked to fill 6 available dates like from 1 to 6 wid available date and time. Firstly i just submitted like "from 27dec22 to 15jan23 - 7am to 12pm PST". I got doubts whether they might reject for how i wrote, thn i have submitted 2nd time with 6 days&time each numbered from 1 to 6.
Havent heard back since. Is it ok if i mail her & ask update? HELP

I want to stream dota 2 with my newly puchased samsung frame tv. I have a desktop where I play dota 2 and my cpu has only one hdmi cable port. Anyone knows how i can I stream my game

@Senior Strats what's your salary and do you think you're on the low/mid/high level?

List five agencies and the one piece of work you know them best for.

There are no mistakes. There are only signs.

Taking a job that seems interesting at first and later realizing it is not right for you is a sign.

It’s an arrow pointing you away from that type of work.

And knowing what you don’t want helps you get closer to discovering what you do want.

DM me if you need help.

That’s it. I’m officially starting FIRE. I hate working a job for money and trading my precious time on this earth and energy for doing things I don’t want to.

Currently 27 and have no loans. I contribute 7% to my 401K, $168 a month to HSA and $150 a month to a separate Roth IRA. Should I invest more in my 401K? I’m using the Roth account as half retirement/ half first home purchase account

How are everyone coping with the tech shares selloff? What a huge loss are we seeing in our stonks…

First car purchase: Looking to get a car soon (before the new year) and is researching slowly and carefully. When do you guys typically apply for auto financing?

If a vehicle’s manual recommends premium gas but doesn’t require it how bad is it to run regular gas in it? Specifically looking at Audis but interested in other luxury/semi-luxury vehicles that can run regular gas.

Does FIRE require you to live on a mattress and share a room with 3 people while eating ramen noodles everyday or am I OK to spend on basic comforts and delay retirement by Iike a year? I see a lot of FIRE people on instagram bragging about their thriftiness, wondering if it’s the standard. I don’t think I’ll enjoy life as much in my 30s or 40s as a Millionare as I do in my 20s as a decently off normie. 27years old, 300k TC

Hey fishes, any thoughts on Fundrise?

I’ll preface with I’m new at this and learning. But I’m researching if I should do an IRA or back door Roth IRA. And maybe I don’t fully understand how taxes work but what is the benefit of a Roth? From my understanding, the amount of tax you pay is mainly based on your tax bracket. Wouldn’t I pay far less taxes (thus inadvertently getting more money) with a traditional Ira since me being retired would put me in a lower tax bracket than me well along in my career?

Ideally how much your net worth need to be in order to retire comfortably as a couple? Not looking to have an extravagant lifestyle but do want to travel regularly.

Just recently heard of what FIRE is. What’s the best resource for understanding it and basic strategies quick? A cliff notes version of it? Thank you!

Do you include the equity in your rental properties as part of your net worth? If so, what do you use to get the best estimate of the FMV of your properties? The estimates I see online can vary widely depending on the site if used so was curious if there is a good source others have used.

DINK couple early 30s….budget 90k a year. Fairly LCOL that’s moving to MCOL bc of economic boom. HHI 350-400k. Is this too high of spend?

Absolutely no research in this, but anyone aware of mutual funds that invest in environmentally friendly companies only?

Are I bonds worth it, if planning to use within 16 months? Currently saving for a home down payment. We have $70k in sitting in money market. Our plan is to buy next fall/winter.

I’m just stating out. 26yo F. 90k gross salary. Roughly 2,400 in monthly bills.

Any tips and tricks to saving and building wealth. I don’t want to live paycheck to paycheck anymore.

ROTH IRA > 401k > HSA > Backdoor / Mega back door > brokerage

Is this the correct order?

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

Leisure travel is out of my budget, but I have been able to get a large number of travel credit card points to from referring friends after making a Facebook post. That feels like a once and done opportunity. Does anyone here use credit cards to get significant enough points to travel with? Do you have tips on how you sustain the flow of points?

Hey guys, Im 25 and I have about 35k in the bank, 21k in retirement, 41k personal invested, 5k in crypto. No debt. Is it smart to invest more during this down market or save for a house/wedding or something else that’s smarter?

Do you DCA or lump your December & April bonus into ETFs?

For someone that wants to FIRE, but doesn’t want the hassle of rental properties what are some good alternatives for passive income? Dividend stock ETFs?

What’s the theory on having your IRAs professionally managed? Fee is 1%. Get access to accredited investor investment options and other general banking benefits.

Personal finance book recommendations?