Below is our situation, and I want to seek for budgeting advice:

Now we have a household income of $1.1M including stock equity. After tax income is ~$600K. Our mortgage + childcare/education expense is $17K per month. We plan to use all of our savings to pay back our mortgage to make our mortgage + childcare expense to be ~$12K per month.

Given all this:
1. What should we set as a budget for family vacation and grocery + eating out?

(To be continued)

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?

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

How much money have you invested in crypto currently? I’ll start - $5000 currently

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?

With NYC legalizing weed, are there any stocks to watch out for?

Best way to use Amex Concierge? First time with so not sure what best practices are (do I need to do research ahead of time or are they basically like a personalized travel agency)

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Welcome to the Chicagoland Real Estate Bowl!

The goal of this bowl is to create a platform for any and all questions you may have related to all things buying, selling, investing, and flipping real estate.

Additionally, if you need a broker I’m happy to help directly! I’m part of the number one sales team in Illinois out of our Brokerage!

What’s the one thing you know now about buying a home, that you wish you knew before your first purchase?

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

Any loan facility available in BOA

Hi! What are your experiences with Robo Advisors? Worth it? Or is investing in a few standard ETFs (no day trading) going to yield more return?

How much do y’all spend on rent

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

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.

Any guesses/predictions on when this housing market gridlock ending? Reasonable prices and reasonable mortgage rates? Umm like a 2017 or a 2018?

Looking for advice to safely invest Escrow portion of my mortgage, since I was able to stop paying from Escrowz starting this month.

As you know, this cannot be risk in stock market, what are safe options

Hey guys
What's a good way to get into India vc space. Don't want to do direct investments but rather like a fund

I need a good snaker plug in the Nova area.

What is the equivalent of a Sr MD in Accenture in IBM ? A Band C or higher ?

Is the saying “man of the house” sexist?

Hey anyone at LinkedIn Europe ATM? Can swap for some names at Snapchat.

Hey fishes need 11 likes help me out

Any choice Marriott properties in NYC? Hard to distinguish what's a good pick. Trying to stay below 300 USD a night.

Anyone in Aurora, CO area? We are shifting next year, desperately need some daycare related advice. Can’t travel in person right now, and on paper most daycares look good.

Digital/digitally-savvy PMs, can I pick your brains? I’m up for a Sr. PM position at a creative agency working mainly w/tech clients. My background is more print based, especially the last couple years. When I was working in digital, it was very straightforward (mostly static/animated banners with a little bit of social). Where can I brush up on digital trends? Which agencies’ work should I check out? Any blogs worth catching up on? Thanks!

What is the notice period in Oracle India?

What do you think the max salary is for an FD role?

Bank of America work - who’s making it?

EHR vs ERP consulting in the health space, what are the major differences between the two? Specifically I would be working with Cerner. Is one more technical, interesting, or niche than the other?

I’ve been approached my by company that one of our large clients (who im currently project managing for) is looking for a consultant of sorts, and if they hire us, I’d be the first person asked to take on this consultant role. This isn’t something my company typically offers and would greatly change the scope of my role. Has anyone ever taken on a role like this? If so, were you able to negotiate a percentage of the consulting fee? Or was it a bump in salary during the project?

PWC SA2 got an offer for 34LPA fixed.
Currently at DUSI at 24 LPA.
Worth the jump?

I understand a CofC is triggered in an equity deal, but is that also triggered in an asset deal (along with assignment, obviously)?

What Christmas gift can I get a 3 year old boy? He loves cars and all things transportation related. And has a ton of toys. I want to get him something very thoughtful that he can engage, learn or just have fun.

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

In your opinion which is the best target fund to choose in IRA Roth?

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Have about 5k to invest - should I do FXAIX or FSKAX?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Best high yield savings products?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??