Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

Everyone says Geico car insurance is cheap . However for me it is most expensive. I went for Allstate/State farm which were cheaper than Geico. Am I missing something?

Best book you've read recently on personal finance?

Bittrex or Binance? Or another? Is it possible to convert Litecoin to Alt coins on Binance?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

How do you and your partner (married or not married) split financials?

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

Best credit card for travel?!? And, why? Never really used airport lounges.

I have the Marriott Bonvoy, SW rewards and CSP.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

New to NYC and enrolling in wageworks. Should I do the payperride metro card or commuter card -transit ? Not sure which is most typically used? I will probably take the metro 6 times each work week

Currently renting for ~ $1500/mo in a low COL city. My lease ends in Dec and am looking to purchase a property and get into rental game. I have $40K in bank, but I’m not sure what my max investment should be or will be approved for. Would it be feasible to keep renting and also try to rent out a purchased rental property given my liquid cash?

Canadian 🐠 Which ETFs are you buying right now?

Received less salary this month also. (Same amount as last month)
Why is this happening? Too much tax 🥵

When traveling for work can we use our personal credit card for expenses or do we have to use the corporate Amex? Also does our corporate Amex get points/perks that we can use for personal usage?

At my fiancés company they are able to use a personal card (which then they get all the points and perks) and then just expensive to they company.

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

Are you going to invest in Navi's Index fund ?

Any good ETFs to invest Roth into?

Hello fishes,
Does anybody know how much it takes to receive Revised Offer letter from Mindtree ?
I had a discussion with the recruiter on 6th May and he agreed to send the revised offer letter, but I am still awaiting it. The recruiter is not receiving my calls, not replying to my sms and emails as well.
Not sure what to do in this scenario.

Hey fishes
Need your help

I am from non tech background and planning to shift my career. Currently I have 2 options for a career change.
1. Data science.
2. Cloud computing and devops.

I have zero coding experience..
Request please help me choose the best for my career .

Thank you.

Hello fishes,
Can u pls name a few reputed MNCs in Pune location working in Data Science domain like TCS, Accenture, Capgemini?

Anyone hear of a patent attorney going to an investment bank, hedge fund, or venture capital firm?? Considering a change. Thought I could use my skills to help investors analyze and valuate companies.

Feel like I missed the boat years back to get into Director of Product role. Back in the day there was only Senior in between a Director role, now there’s Lead and Group levels, so much hierarchy now.

Any recommendations for a second year post MBA investment banking associate looking to leave banking? Have done healthcare coverage and like healthcare but banking work life is just not sustainable. Appreciate any input.

How long do pwc take to schedule an interview. It’s been a week since I sent them my availability

Hi fishes,
One of my friend is looking for a switch. He is looking for a data engineer role. He is currently serving notice period. Will u pls help to refer?

Brief about him.
He is having almost 2 years of experience apart from two internships .
He is looking for a data engineer or data scientist role. He has worked a lot in AWS and python.Also he is been handling a team and giving out multiple solution to a problem.

Hello Fishes,

Need your input please

If i get lowballed package with good learning curve. Is it better idea to stick to it for next eight month and make another switch to recover the loss? Or should I search better job ? I have only 20 days left in notice

New writer on an account. Being pitted against the other existing writer on the account for every project. They take it very personally if my work is chosen over theirs

Hiring BA, PM, Sr Tech PM, and experienced Program Managers for EPMO. Hybrid schedule. Healthcare environment. Central IL location.

Is McK Digital less brutal in terms of hours but the same level of prestige as general McK?

I am interested in getting my SHRM-CP certification this year and I was wondering which study methods and materials worked best for those of you who passed the exam. Also, what are your roles in HR?!

Have an interview with Elliot management, anyone down to talk about what you know about the firm/ experiences?

Hi All,

I have basic to good understanding on RPA uipath, I would like to change my domain to become an RPA developer. Please DM me if there are any openings in HCL

Thanks

Hi Friends,

I am in discussion with MNC Service based organization based out of Sweden and wanted to know the salary I can expect. Although they have dropped a hint of around 45000 SEK per month.

I am an Oracle SQL and PL/SQL developer with around 10 years of experience and my CTC in India is around 32 LPA.....

Is there an appropriate way to turn down an assignment because it is non-billable? Two of the partners I work for keep asking me to write client bulletins and articles with them, which is great, but now I’m starting to worry about meeting my billable hours requirement.

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

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.

Does anyone have any inspiration stores of FIRE without an incredibly high income/family financial support. Looking for hope 😅

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

What’s the meaning of life before FIRE and after FIRE?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Is there an app where I can see all the list of credit cards and the balance I owe, where the app doesn’t force me to enter bank log in details like mint

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

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??

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

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

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

Pushing out my retirement date... Crypto down 60%, stocks down 30%.. I was a millionaire in Jan now only a 750kaire lolz. Just numbers on a sheet keep rolling