Anyone here part of any franchises? Is it a relatively passive/sustainable income source in exchange for the royalty fees?

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

What is your average monthly budget for living in SF? With inflation happening, I am trying to be more realistic about my spending, and just wondering what is normal for others if that's not weird! Would love to hear. Single 35 M for reference

I’m moved under a person who I would not get along with at all and have clashes with in the past. I’m considering resigning with no job prospects at the moment. I have a healthy savings and low cost if living. Should I resign and dedicate 100% to job search or do the minimum while searching for a job?

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?

i am in a dilemma of saving money to fund MBA or to save up for house downpayment. any advice?

Best area credit unions?

Still haven’t filed my taxes... any recommendations in NYC would be greatly appreciated

Anyone been successful in setting up decent yielding passive income with little upfront effort?

Is it possible to make a million in any sales position? I see so many classes and books on how to be a millionaire by selling. Seems like BS.

I’d like to buy an apartment in nyc. Is now a good time to buy?

The equity market has HFT firms to help with volatility. Crypto needs HFT firms. Tempted to start one

Can someone recommend a real estate agent from personal experience? Interested in buying my first property.

Our office recently got a listing and as a realtor who's been looking for a home, I want it for myself. It's in my budget and it seems to be in good condition. Would it be unethical to keep it for myself?

So spent the last 30 hours working through this trying to books with points. Still nada. Anybody else have luck?

My employer disqualifies high earners and offers them a NQSP instead. Therefore, as a high earner, I don’t qualify to contribute to 401k. Is it advisable to start contributing to NQSP? I am a bit skeptical since funds placed in this bucket is not guaranteed to be disbursed if the firm goes out of business or something happens to a point where it shut down.

Is there any way I could find better listings around my area? I've been checking out the competition and their properties seem to be better overall, more modern and more appropriate to what people are looking for nowadays. Any clue as to how they get these listings?

California tax question. I moved overseas in November 2020 establishing a rental agreement in a different country. I sold my California registered car in May 2021 (my ONLY California asset). In total, I spent ~36 days in California during 2021. I use my mother's California house as an address to receive packages and letters. I don't intend to return to California, as I want to buy a house in Texas. I have a potential $70,000 CA tax bill due to capital gains from a long-term investment.

Hey people,
M here. Moving to Pune in April start. Looking for a single room in a pre occupied 2bhk/3bhk in a society (Preferably in Kharadi) with good amenities. DM in case of any leads. Highly appreciate your help.

Do we think Tigers back can hold up for 28 holes tomorrow??!

Is anyone else taking advantage of WFH and applying to foster a dog?

Hi- I got two raises last year (one with promotion last December). I believe I am underpaid- partly for my own lack of speaking up and negotiating and not making the best career moves.

With current company 3+ years. People are great. Work could be better. 16 YOE. 72k for medcomms. Was told cost of living raise will be in my first 2023 paycheck. But like- I still have 6 months of living to do until then.

Recruiters telling me I should be at least 100k. What would you do?

Hi Fishes,

How to find flatmates in Bangalore (gay friendly )

Please don't comment things badly. Trying to normalize things.

Kind reg

Looking for a new pair of golfing shoes. Love the Adidas ZG21 but I’m hearing the ZG23 is around the corner and am wondering if I should wait. Any thoughts from this group or potential alternatives? Thank you!

How much would you charge for building a design system for an enterprise, already having web and mobile apps? What would be a fair price?

Proud of myself for averaging over 10k steps/day for the past two weeks after a pretty sedentary June and July (averaging 5k steps/day). I’m aiming to average 12k steps/day this week.

1K members 🎉🍾🥳

Hi all what is that introduction call with reporting manger in hcl technology still not joined my joining is like in last week of July so will it be again interview or any sort or what it will be all about

My girlfriend is willing to break off our entire relationship because she found out my mom doesn't approve of her. We have no issues between each other but she said she can't be with someone who's family doesn't like her.

Looking for feedback, I'm updating my resume and I'm wondering at what point should I start removing past work experience. I've heard anything older than 10 years should go?

Just looked up and my entire team is gone...😳

Off topic
Why Vodka, rum is soo costly in Bangalore as compared to Gurgaon??

LEK is recruiting experienced hires right now across all levels. Willing to connect with anyone looking for a referral. DM me.

Hi everyone - I am looking for a new role and would appreciate your support. Thank you in advance for any connections, advice, or opportunities you can offer.

BACKGROUND

Corporate Professional | 4 years of experience |

Operations - Insurance & Reinsurance | Payments processing | Cash Application | Collections |Customer Interaction.

EDUCATION

MBA Finance (Awaiting Results)- Pune University 2022

MCOM in Business administration - Pune University 2020

BCOM in Banking in Finance 2018

Is it possible to live off 12k/year?

Moving from a miserable IB job for a small pay cut, but I can now actively trade without compliance giving me trouble. After rent & taxes, I’ve got about 10k per month to save; what’s the best asset allocation / distribution for a 24 year old who has a longish horizon and average risk tolerance?

Just ran the numbers and it seems like undergrad and grad school costs will be through the roof when my kids go to school in 15 years. I wanted to try to aggressively pay off my house (400k loan balance) but am now thinking I can’t do that and will have to only throw money at the 529 (100k balance) for 15 years. Thoughts? What would you do?

Mega Backdoor Roth IRA question/After-Tax contributions

Crosspost from a thread in the KPMG bowl discussing Mega Backdoor Roth IRA/After-Tax contributions. I wanted to ask a quick question for a “mistake” I may have made.

I forgot to change my contributions from after-tax to Roth + Traditional. A few paychecks went through as after-tax and hasn’t touched my $20,500 contribution limit for the year yet.

How will those funds be used/taxed? What are the implications here.

I don’t think I have enough saved (80-100k) to justify a financial advisor. But I also was never taught/learned about money management and planning. Are there any good resources or books in which I could learn about how to invest in my retirement?

TL;DR: Social Security matters.

My wife & I are 35. If we quit working today, at 70 we are entitled to a combined $50k in annual SS in today’s dollars. (Source: SSA.tools)

$50k real is significant. Let’s be conservative and say that a 70 year old couple spends $100k per year. That’s SS meeting half of your required expenses.

Current law with current demographics shows that SS can fulfill 79% of benefits into perpetuity.

Assuming SS will disappear means working decades longer than needed

What are some jobs you can do abroad to earn US money while living abroad? Haven’t reached FI yet but I always worry about running out of money after early retirement.

Hi everyone, I’m looking for some ETF recommendations for long term growth. So far I’ve been putting my money into VOO and QQQ. I do plan on getting into crypto in the near future as well but want a majority in long term growth ETFs. (For context I’m 24, single, 80K salary, HCOL). I’d appreciate any investment/life advice as well.

Are Long Term Care Insurance Plan and Disability Insurance worthwhile? Do you need both?

The BEARs have come out of hibernation!! It’s time! Hope you all learned how to make money in a bear market!

Need advice. 44 single female with 250k cash in bank, 140k in 401k, 15k in CD with 2.25% interest and 200k home mortgage. My taxable income is 230k with bonus. Have opened a trading account in (contd

Engaged, and beginning to do joint retirement planning. I’move got IRAs, 401ks, the usual. My fiancé says she’s never opened an IRA because her parents started a program for her under New York life. Went to the website and it seems like it’s completely different - some annuities, some life insurance that you can withdraw early (?). Anyone ever go this route or have insight into it?

Can someone please explain a “backdoor” ROTH? When its required/why? I’m very new to all this. I keep seeing this mentioned but no idea what it means.

Best fire resources for new families?

Any good articles or some other related fire posts talking about how the year 2020 has impacted them?

Anyone do FIRE after doing an MBA in a HCOL city? I’m curious how people who graduate from top mba programs and work in NY or SF as consultants and manage to do FIRE

Has anyone invested in TIPS (Treasury Inflation-Protection Securities) before? I’m considering opening an account for my children and have read something about interests from TIPS can be exempted from federal income tax if used for higher education. What’s the pros and cons of investing in 529 vs TIPS? TYIA!