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Any star alliance status match delta platinum?
Hello Fishbowl Family . 3.5 YE & Series 7, 6, 63
I have 2 Offers currently.
1. Associate Advisor role at JPM Chase Atlanta 85k Base. No Commission or Sales. What type Of Annual Performance Bonus can I expect in this role?
2. Retirement Planner role at Fidelity in Houston (Remote) 70k Base 15k =100% Bonus w/Cap of 30k= 200% Bonus. *My Recruiter says Growth into a Senior/Director Planner role is easier @ Fidelity. Thoughts? Advice?
Fidelity Investments JPMorgan Chase
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We are looking for Data Scientists
Experience: 2-8 years
Skills: Machine Learning, Deep Learning, Neural Networks, Regression, Random Forest, Clustering, XGBoost
Location: PAN India
If you are interested looking for change please share your resumes to priyanshi@mastermined.in
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Tip #1 is to budget
Tip #2 is to track where your money is going
Tip #3 is to adjust your budget based on #2
Care to share it? I’m sure people can point out outsized amounts or ways to save in specific categories with the detail
Medical bills are the problem. Healthcare in the US is despicable
You’re not missing anything. We’re just saying how expensive healthcare is in the US even with insurance. Out of pocket maximums are like thousands of dollars. If that’s not a lot to you, please throw some $$$ my way
I’m curious to know how much you’re saving. Because if you’re not spending much (as you said you’re frugal) , it could be that you’re saving a lot and that’s putting pressure on your disposable cash
I use Mint and it basically bullies me if use too much money, I still go over budget but I also am maxing my 401k which physically is painful but I know is worth it long term…
Chief
Wife and I are going through the same - MCOL and both high earners. It feels difficult subjectively but we are paying off debt and have a clear path to saving for a house. It comes down to cutting what you can reasonably cut, eliminating interest expense (sounds like you have credit cards), and paying towards your savings before anything else.
If these basics aren’t doing it for you, there’s no magic secret, you just need to increase your earnings.
How much is your credit card bill every month, if you are putting a large chunk to your CC you could be overspending significantly.. it's a ongoing cycle
Definitely look into how much you are saving - long AND short term. It's easy to think that paying off high interest debt ASAP is ideal, but NOT if you accumulate more as a result of not having enough cash on hand for life expenses (and thus needing to use it more).
Consider a balance transfer credit card or LOC to pay down your existing debt at a lower rate and concurrently building a solid cash pool. Also - getting a financial advisor is not a bad call.
Good luck with this and your medical situations.
Credit cards allow a mental disconnect between what you consume and what it actually costs.
Go cash only for a month or two and as close to bare minimum spend as possible (no subscriptions, eating out, entertainment, drinks etc.) - you’ll end up with extra at the end of the month and have a better feel for core expenses vs wants in your budget.
Chief
How much are you making?
Chief
90k is enough to make you feel guilty for struggling but not enough to really build wealth. Makes 100% sense and I also have been there.
What you really will benefit from is higher income.