At pwc we Dan tribute pre or post tax to our 401(k). Currently do pre tax. Are there a ton of benefits to switching to just post tax? Does that make it a ROTH 401(k)? If you have a ROTH 401(k) does that roll easily into a ROTH IRA? I’m 30 and my wife and I are trying to really get our crap together. Paid off 42k of debt since out of school two years ago and buying our first house in a month.

How hard is everyone pushing their corporate clients to authorize nonresident assignees whose only 2020 US compensation was the value of their 2019 tax preparation?
My clients are pushing back on it this year, and I can't say I blame them. If I were in their shoes, I'd rather take the risk of not filing than the expense of filing again. From my own point of view, I don't really want to spend my time on such returns, either, even if the revenue and easy return are nice.

Has anyone dealt with submitting domestic adoption costs for reimbursement? Do we just email them our receipts as the expense has occurred. Is there forms to fill out as well? I just started the process and made my first payment and want to know how to submit.

Any investors have insights into what you look for investing in a social media platform? Is this something you do or do not have interest in/why?

Background is development of a social media platform looking for a $100k investment to get off the ground in a great market with tons of opportunity and proof of concept.

Did anyone apply for amex card as an employee, recently, after the acquisiions started ?

Hi all, had a situation I need some help with. PE fund owned interest in a bank that was a CFC that has 965 PTEP. Recently sold off part of it's interest and the bank is no longer considered a CFC. Under the new PFIC regs, I believe it qualifies as a PFIC. How would distributions be treated seeing as it would still qualify as a specified foreign corp?

I have an expiring British Airways credit I need to use in January or February. Options are Lisbon, Paris, Rome and Athens. Anyone have thoughts on any of those in the winter/off season?

I'm coming from the US - my flight credit is use-it-or-lose-it so I'm trying not to spend much more than the original credit.

I recently received an offer for 200k€ in Amsterdam. Includes travel, 30% ruling, holiday pay.

Any idea if that is enough to cover a mortgage on a flat within biking distance from the city center without over spending on housing?

(3 small kids and a non-working partner)

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

Any REIT ETFs that people like?

Should I take solace in the fact that despite the great tumble I am still in the green (barely)? Hard not to feel like I lost the 50% gains lol

Incoming MBA, I have my tuition paid for and rent covered (I will be an RA). So the only thing I need to pay for is food and entertainment. Do you think 20k is enough to last me through the 2 years? I will make a little money interning in the summer, so that would be a safety valve if I blow through the 20k.

Or… should I take a small loan?

How much money have you lost? Misery loves company

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

Soooo what do we think about the new ADP program?

5 years post-MBA and all my classmates are VPs in industry or Principals in consulting/IB (some are even Partners/MDs already). I sat in the same classes with these folks for 2 years — probably outperformed some of them academically. Yet, here I am continuing to struggle with my student debt payments, hoping that “Uncle Joe” forgives 20% of it. I’ll never have that kind of earning potential because I didn’t come from the “right background” pre-MBA.

Suggestions on Product based Companies for "Business Analyst/Product Owner/Project Manager" Roles under US Healthcare domain would be of great help 😊

I make $101K base salary as a Consultant/Specialist at Accenture Federal in Washington, DC. My husband is a teacher making $55K. We’re getting by with our mortgage and regular student loan payments, but it’s not enough to do much else. We also want to start a family in a few years. What move could I make to hit $150K base? So many of you are making unbelievable amounts… I don’t know how to keep up.

Anyone in A&M’s Healthcare Industry Group willing to chat? I have a few questions around work, culture, and compensation.

Hi Fishes,
My zs joining date is June 1, before that when can I expect the joining formalities and onboarding process and laptop.
As of now there is no intimation except Idfy verification. Would be great help if you please suggest.

EPOR a solid first option trading choice?

What is the most you've invested into a single stock?

What is the biggest loss you've endured?

Friends are telling me it’s super hot in Austin during Summer. Is that really bad? I’m thinking moving to TX, from DC

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

How much should a SA be making with IT Security and IT auditing experience be making in a Tier 1 city? Experience: 1 year as a fed, 4.5 years small firms, 1 year big firm

Hi Fishes,

What is the market salary range for a Banking and Finance sector(Temenos UXP) developer with 5 years experience and if willing to switch how much can he/she can ask for?

Hey fishes,
Presently working in EY as AM. Total YOE 6.2yrs. Got selected in Deloitte at Manager level. Please suggest the Compensation (range) that I may demand:
Present Package - 19.5L (fixed)
Variable - 10-15% (Would be pro rated to 8months)
Joining bonus - 1L
Not sure about variable payout but will have to let go off the joining bonus and hike for sure.

I am currently looking to accept new roles for a job. I have an associates in Accounting have an 8+ year background in accounts payable and am about to receive my Bachelor's in August for Business Management and Economics with a concentration in entrepreneurship. What would you think would be considered a fair hourly rate or salary?

Ex CFS or OTS?

Tempted to buy 1 BTC ..

I feel under qualified at work but I also don’t know how much of it is in my head or in reality. I head a team and they seem to be happy… but I’m also personally not satisfied what we’re delivering is enough… so I have this weird mixed feeling of the stuff we’re doing not really being that stretching, but at the same time I feel out of my depth. I really don’t know what to do and whether to hold on in the hope I’ll learn something or go back to a lower grade and a more comfortable life.

Hi Fishes,

I received an offer (28 Lakhs + 3.9 Lakhs incentive) from Novartis for Sr Project Manager yesterday. This was just 13.6% more than my current earnings as Project Manager. I've given the reasons why I deserve at least 30% to HR. In response to that, HR has sent 2nd offer i.e. 29 Lakhs + 4 Lakhs incentive + 50k sign-on bonus. The 2nd offer is just 18.2% higher than my current earnings. Need your suggestion, if I could still negotiate with HR to finalize deal by asking for 25% hike?

Hello All,
can someone help me referral at citi pune, I have job ID with me.
YOE - 6

Hey I’m a Manager looking for incident detection or technology implementation work. Anyone know where I should start networking?

Hows Deloitte India ? Work life balance and job security, time zones to work? 8.2 Yoe business analyst, data analytics space.pls suggest

Currently a US consultant with a pitch in the Proptech space looking to digitalize part of the home buying process that’s currently still very manual. I’ve had calls along the value chain with strong reception over the past few weeks. Anyone with Proptech investing / operating experience looking to chat?

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

What are the best cities to live in for FIRE?

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

Have 20k, what’s a good small business to start with this fund? Serious question here

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

the more I want something, the harder it is to achieve. anyone has this feeling also?

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

What stocks are you guy guys buying right now in this market?

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

Best long term investment strategy against inflation to get to a large nest in for retirement?

Vtsax vs fxaix?

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

Listening to Rich Dad Poor Dad and I keep expecting every story to end “and then everyone clapped” 🙄

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?