Attorney in NYC needing fin advice! Currently max out 401k and HSA and have 85k with Schwab’s intelligent portfolio robo with 30yr target withdrawal and 40k in HYSA. 190k debt but refinanced at 2.9%, 15 year repayment plan. Not sure what to do for other investments. Continue to put into Schwab maybe with a closer target date for passive income? Fundrise or Cadre? Appreciate any advice!

like
Posting as :
works at
You are currently posting as works at

Check the expense ratio on that target date fund, might be more cost effective to buy some index funds: https://www.bogleheads.org/wiki/Three-fund_portfolio

like

Read up on it, even half a percentage point over 30 years can add up to be a significant chunk of cash

like

Related Posts

Hello. Has anyone worked for Change Healthcare as a nurse auditor? What is estimated salary? How is the schedule and work/life balance? Any other pros and cons. Thank you!

like

Hi Everyone!

I recently transitioned to a new company as the TA Manager. Completely different industry - I went from Telecommunications to Healthcare. My first task will be to benchmark where we are with cost per requisition, time to fill, drop out rate, etc. The data is spread between the ATS (UKG) and Indeed.

Any recommendations on a process you’ve found successful in creating the benchmarks and great templates to start building out a dashboard?

Thank you in advance for your assistance!

Hello! I have been working in research and policy for the last 3.5 years. Very keen and interested to make the shift to healthcare consulting - I interviewed with OW but didn’t pass the final round. I also interviewed with Deloitte, and cleared all the rounds, but at the end, they said they didn’t have any openings. If anyone has any leads for other firms, referrals, general advice, would really appreciate the help - thank you so much

like

Hi fishes. Off topic #Need personal advice. Please do read my situation in below screenshot. Please give your valuable advice.Capgemini Tata Consultancy Infosys Accenture IBM HCA Healthcare Deloitte

Post Photo
like

Hi All, If anyone is looking for Niva bupa health insurance policy, you can DM me. We can provide upto 5% discount on the premium and agent support for lifetime. Also, we offer all the policies that Niva bupa offers(both offline and online).

Does wipro provide any internet reimbursement for Wfh ?

like

I'm a investment newbie and please send some help!

I'm 25 and living with parents in NY. Basic monthly spending is $4000 including mortgage and after tax income is $6000. I just have basic whole life insurance with cash value(max 5%return rate) and bought mutual funds in retirement plan as investment. No other debts

Should I put Roth 401K and Roth IRA? What else should I do?

Thank you!

like

Does anyone have experience asking for additional maternity leave beyond what’s given? How did you approach asking and who did you ask (HR vs manager)?

like

Staying at MGM grand in April for fun. I hav gold status currently through matching with Hyatt properties now. Are there any ‘little known’ benefits I should be aware of?

like

Got two offers that I’m thinking through:
Context: 2 YOE, San Francisco
1. Consulting - 150k, fully remote, stagnant growth but easy to make a ton of money and get promoted, would probably move to MCOL if I take this role
2. Big Tech - 165k, in office role and opportunity to learn a lot and grow, great team and benefits

like

Any one thAt does per diem on here?

How much EPAM pays for a 9 year ETL QA with cloud experience

What all benefits are there with EPAM.
Is this Switch Worth from EY

like

Please share salary reccos for an AD in Toronto (in healthcare)

like

Any EY folks with questions and answers on IVF or Pathways to Parenthood benefits before Annual Enrollment period ends???

like

What do you think is a true differentiator for Accenture in Strategy and Consulting? What benefits do you see from your association with the firm?

like

4 YoE, MHA.. Curious about what exit opportunities looks like for someone who has only done basic healthcare strategy and project management for the last 4 years? Little to no experience in finance. Always been interested in Supply Chain, however it has never worked out to get staffed on such projects as when I initially am, I alway have been pulled into the PMO.

like

Received offer from UBS at last moment. I have just 1 week to decide. Offer is same. Please help to decide
Credit Suisse Vs UBS
Comparing WLB, Pay & Bonus, Onsite Opportunities, Employee Benefits, Leave Policy YOE - 10.5 Yrs (.Net)

like

I think this whole pandemic will really force us to think differently about universal healthcare

like
like

Welcome to the Salaries in HR bowl! 💸

For the best response to your post, please include the following:

Your location or HCOL/MCOL/LCOL ("high cost of living" city etc), years of experience, and any other relevant information for context.

Ex: "Recruiter with 5 YOE, MCOL city just offered a full WFH position with great WLB and benefits - but a pay cut at 80k. Should I take it?"

These variables have a great affect on salary and you'll get better answers the more details you provide.

Cheers!

likeuplifting

More Posts

Hey fish fam, random question I’ve been wondering - How soon after starting a new gig would you be probing your manager about potential promotions? Addendum q - how have you approached bringing this up?

like

What documents will be required to submit to claim HRA in Deloitte? I have landlord's PAN details and Rent receipts? What else will be required? Deloitte

like

Is there more evidence droplet protections are insufficient? Behemoth med systems in NCal use inadequate policies, saving $, even w/ min cases, flattened curve. Senseless risk! No change w/o pressure.

like

What's the max salary given to Test Automation engineer? With 3.5 years of total experience?

@infosys
@cognizant
@accenture
@Tcs
@wipro
@Deloitte
@capgemini
Or any other company

like

Hello everyone, what sort of certifications will help to enhance Skills related to Tech sales ? Specifically for BDR roles . Answers will be highly appreciated.

like
like

I like the company but hate the project... I am trying to get put on something else but it's too political and I don't know what to do

Hi 🐠!
Is there any companies that hire for data science internship and offer visa sponsorship?
Thanks.

like

Hello Fishes, I'm looking for a job change. I'm PMO Analyst with 3 years of experience. I have Google project management, GCP PCA and GCP ACE certifications. I'm also working on getting CAPM certification.
Please comment if you have a opening in your organization.

like

Received 2 job offers, one ~10k lower than the other, but still a >30% increase in my current pay. I think the lower in paying job fits me better , is it ok to counter offer asking for more? Do companies usually have wiggling room for this?

like

Any industry positions available for a newly licensed pharmacist with retail experience?

like

Having 2+ yrs exp. I joined on 2aug then they called me regarding project I didn't know that we received many calls for assigning project . I took that project but now I am regretting my decision because that is not development project . I have't started working on that till now but they have assigned me account and project in portal . Can I change it now or can they release me after 2-3 months ?
I am depressed because of my mistake because I always want my experience should be in coding .

like

Our team is searching for a seasoned oracle developer specializing in retail/ecommerce, along with cloud exp. Fully remote. If your interested DM me.

like

What hike should i expect if i jump to tcs , tcs recruiters are trying to contact me , i just said I'll call them back. I've been told they don't offer much hike.


My CTC is 8 lpa , I'm planning to ask them 40-50% hike on my current CTC , is that unrealistic for a company like tcs ?

like

How is kolte patil Life Republic. Recently visited the township. it a good place to buy any residential property? Any complaints or any hidden problems this township faces? How is the connectivity? Flats build quality etc.

like

What day is it?

Post Photo
like

Hi, can anyone refer me for the below position at Wells Fargo. R-231440- Technology Business Systems Consultant.

like

Privacy fish - Anyone taken the CIPM and can share what the exam is like?

Content outline seems like application of standard consulting approach, so how do they test it on an exam?

I have a list of local medical practices and family practices around my area. Know doctors are extremely busy and usually the officer manager is the point of contact. Best way to get through?

like

24, a decent amount of savings in the bank. I’m sort of interested in buying a property in the next few years.
Is this a good or bad idea? I live in Ny area, so obviously the city would probably be too expensive to buy any property. Would probably have to buy further out in westchester, Long Island, maybe connecticut or NJ. If I buy, should I be living there? Or should I rent it out until I’m ready to live there (assuming it’s a bit further from the city). Very early stages of just thinking

like

Additional Posts in Personal Investment Chatter

Tax question m. Hoping to get some help! I bought a car in November 2020 through one of those 0% interest and no down payment offers. My first payment was January 2021. Should I report the total state /local taxes for the vehicle on my taxes? Does it yield a reduction?

like

Expectations for the market this week?

like

What can I do if I maxed out my Roth IRA but made more than the max income? Seeing some articles on Google but none of the options are very clear in terms of what the best route to take is to get ahead of this.

like

Anyone have a lead where to invest in Rivian pre IPO? Schwab and fidelity don't have access

like

what is the lowest 20yr refinance rate at NYC you see now? And where?

like

Pretty sure I'm just dumb but where in Schwab can I see what my long/short term positions are?

E.g. if I buy a share of VOO every paycheck, starting a year later one share matures to a long term position every 2 weeks. Where can I easily view that breakdown

like

Looking to open a HYSA. Curious to hear any recommendations. At the moment I am leaning towards opening one with Sofi

like

Is now a good time to invest in REIT’s with all the rate hikes to come in the best future?

like

Want to start manufacture on the side. Seems difficult form most items. Must be able to start in garage and sell on internet. Any ideas? Could be a hobby that makes some $.

likefunny

New to the bowl. Apologies if it has been asked before. I have about 30k and willing to invest for growth. Can someone please point towards best ways other then stock market? Thanks in advance!

like

Does anyone have insight or experience with Term 80 (increasing premium) insurance? Pros, cons? My husband and I are looking into this vs. term insurance. We have 2 kids (5 and 8).

like

Is it worth maxing out Roth IRA this month? I have reached 75-80% of the limit and usually split my money into my investments and Roth IRA via wealthfront. Is there any benefit to having it reach the limit by eoy?

like

I’d you buy 6-month treasury bills do you have to hold them for 6 months? Can I just hold t bills until I want to move the money into equity investments?

like

Considering giving my fund selection over to Fidelity to manage. It’s a .88% annual fee. Seems reasonable if they can beat my returns by 1-3%. Anyone with an experience or reason not to do this?

like

Has anyone used FreeTaxUSA to file taxes this year or in the past? Seems too good to be true for someone with multiple states, stock sales, HSA and other forms for $0 federal and $14.99 state

like

My 2021 investment income has officially surpassed my expected 2021 expenses!! I cant really share this with friends because a lot of them don’t really believe in investing, but had to post my excitement!! 25, but I’ve been trying to throw as much as I can into the market the last couple years. Thanks so much to this bowl for great recommendations 🤩😭😭

like

What stocks do you think will safely double in value by 2023?

likefunny

Sell or keep my old condo? Condo worth around 450k and still 310k balance to pay off. Mortgage is 2200 (adding HOA) and monthly rental is 2300-2400. It's an old condo so maintenance has already ate 50-60k over the course of 3 past years. Should I keep it or ditch it given that the cash flow is so minimal & upcoming maintenance might take me another hit?

like

Best HYS account recommendation? I am trying to move my 3-4 month of saving somewhere where I get more than 0.0001% . Do people recommend international banks ?

like

Anyone still in GME?

likefunnyuplifting