Anyone listened to the podcast linked below about the FI without the RE concept?
Essentially the “pioneer” of what became the FIRE movement talks about the need to focus on sound money principles as opposed to just retiring early.

https://podcasts.apple.com/us/podcast/the-long-view/id1462214964?i=1000548275933

How is AT&T project in Techmahindra?

Please let me know if anyone has opening in CSIRT / incident response / endpoint security.

Looking for a remote job paying at least 40k. Currently unemployed due to unpredicted move to San Antonio. I’m in need of a job as soon as possible. I am a quick learner and currently in school to earn my CCMA with medical billing and coding (CPC). Anything helps 😊 TIA!

Monday Wordle 352 4/6

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Does anyone have a therapist recommendation in the Boston area?

Anyone here work in M&A tax? I will be working in M & A tax at Deloitte (NYC) and was hoping for some insights. Any guidance appreciated!

Am I spelling my name right? Formatting tips appreciated. PwC OP, B.S, M.S., CPA, CFA (level 1 candidate), CMA, CFE, CISA, GOD

Need help in choosing a company -

I have offers from 3 companies for UX designer role
1) Deloitte India (Consultant)
2) Thermo fisher scientific
3) Boeing

I am from India with 4.5 years of design experience. Which one would be a good choice?

I have worked in 2 startups and don't have a lot of peers or friends who can help me out.

I will appreciate any response.

Stuck between 2 offers, which would you choose? Eventually I want to work in ML/AI or blockchain/crypto

Offer 1: Non-profit financial advisor, awesome culture, design process & ethos align with mine, but still beholden to some outdated backend systems. Basically won't be able to innovate for a while

Offer 2: Consultancy focused on spinning up startups in large corp. Seems like cool work but I know very little about the culture/ process. Very sales-y HR but haven't talked to designers yet

WFH basically means you have a free day off.

If you were a junior creative with some experiences in big network agencies, what would you choose between these two :

A - Big network agency, working only on one account but doing potentially award winning work. Very ambitious and talented team.

B - New unknown agency with a small network backup but several accounts, competing for new clients and the will to win awards too. Two creative teams for now but lots of ambition and possibly more growth and potential to evolve as a junior creative.

So I got some potential graphic design work from Creative Circle. Only problem is that they only service people from Ontario, and I am from Vancouver. To circumnavigate the system they were asking that I pretend to be an Ontario resident using a friend or relative's address. This feels sketchy AF but I am in need of work right now. How will this screw me in the future if I go with it?

If EY goes public, would existing partnership agreement terms/conditions basically cease? In other words, would a PP’s new ownership (in the form of stock) essentially mean that most (if not all) prior terms (e.g. a forced retirement age) go away?

How are you guys calculating ER for IG, TW, and TikTok? Should it be engagements divided by total impressions or total platform followers?

Don't miss out 2023 Global Diversity and Leadership Conference on November 1 - 3, 2023! Recommended by Aché Lytle at 2022 NPA Annual Conference via Whova event app

At what level of comp is it worth it to have a toxic work culture? Currently at 120k in a MCOL w/no income tax, if I stay earning potential can easily double in 1-2 years but work 80+ hours and people are all miserable. I have an offer for the same comp, love the people and would be max working 60 hours but only when it’s super busy but normally 40-50 hours; earning potential in 1-2 would probably be 150-175k. Staying in would help getting to FIRE but feel like it’s not worth it. Thoughts?

Do you think 4k monthly rent on 370k total HHI is reasonable or excessive?

Anyone tried investment platforms like crowdstreet? How is the rate of return?

29yo single, TC of 200k and got my first new car for 84k which I plan to use for at least 10 years or basically till it breaks down. Other monthly expenses are 1.5-2k . Did I spend too much on the car?

I don’t speak w/ my sister often. I asked what she wanted for Christmas, and she immediately came back with 3 things for her baby totaling $140 in a way that seemed entitled that I would just get it regardless of budget. How do I balance not being cheap and also being disciplined w/ money?

Do you include your pension in your net worth?

Pretty naive when it comes to investments. I was talking to the financial planner service my company offers and they suggested a mix of Large Cap Stock 40%, Small Cap Stock 10%, and Foreign Stock 50%. I'm a 27 year old male so still a ways off from retirement. Does this sound reasonable?

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

Would you max out retirement contributions in this scenario?

- $43k max for me (self-employed 401k)
- $41k max for spouse (401k and 403b)
- HHI ~500k to 600k
- $216k cash outflows last 12 months (excluding income taxes and investments)

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

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.

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Backdoor Roth IRA question - I have 1.1M all in traditional IRA. Should I even consider doing a backdoor Roth at this point? What’s best way to evaluate? All was from pretax earnings

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?

Personal finance book recommendations?

What are some good side hustles to do if I feel behind in my FIRE journey?

Hi everyone, I’m seeking general advice on how to best set myself up for success. I’ll be entering a high earning job (200k salary) at 25, no debt or other assets. I would appreciate any general advice you guys have, as well as advice on retirement accounts:

Assuming I can max out my 401k/Roth IRA, would you guys recommend doing backdoor Roth, or just max out the accounts and then keep the rest of my savings in a regular brokerage? And why?

How do you balance your FI/RE goal with charitable giving?

How much is reasonable to pay in rent on 100k salary? Assuming I’m in a reasonably priced city.