{ "media_type": "text", "post_content": "Best vehicle to save for grad school in 3-5 years? Roth IRA, HYSA, brokerage, other?", "post_id": "5dcddd30b4aaed001a3c9193", "reply_count": 5, "vote_count": 0, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

Best vehicle to save for grad school in 3-5 years? Roth IRA, HYSA, brokerage, other?

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

Small car. Something good on gas and reliable. Think Civic

likefunny

Toyota all the way, loser!

529? Tax free growth. Custodial 529 is also an option. You can be the account owner and beneficiary.

Roth IRA will incur penalties on earnings if you choose to withdraw before the account is 5 years old.

like

So far haven’t been contributing to IRA in order to max out brokerage contributions for grad school. Should I prioritize IRA even if it’s less liquid?

Bicycle

Additional Posts in Personal Investment Chatter

Hi Fishes , Is it possible to prepone my TCS joining date by 1 month , currently it is 1 August but since i am getting early release I can join by 1 July.

like

How much raise/bonus expected for Deloitte consulting M&A this year? SCs and Ms in their non promotion yr?

like

Does Deloitte entertain counter offers? If I tell them I have an offer with better package with other organization what are the chances of them considering to match the offer?

like

What are the options where a SOC report is unavailable, or not available by the required timelines?

like

I applied to PwC’s Workforce Transformation group for their SA position as a campus hire almost a month ago but I haven’t heard back. Any insight on the process? I applied outside of my school but got a referral from a partner (just a recommendation email to the recruiting team since campus hires don’t follow the traditional referral path), so I feel like that should help my case. For added reference I do have work experience, 2-3 years, so I’m a grad student.

Thanks all!PwC

like

I work for an agency, but in a very specific vertical. Thinking about having a side hustle to work jobs outside of my vertical while remaining at an agency. Anyone have success keeping these two things separate?

like

I'm a young female minority (black) on the Creative side. Curious to know how well you think your agency hires and promotes diversity?

like

Have you ever worked with a financial coach? Did you find it helpful?

like

I want to switch to tech as either a backend developer or data engineer. I have my CPA but spend most of my time doing data analytics or building tech items for my team (Eg a web portal to scope in the teams work load from the rest of the assurance practice) or automating some of our deliverables. Any ideas on how to leverage that experience and get my foot in the door for tech?

like

Have any of you purchased a new construction home without a real estate agent? I’m hoping that not using an agent will help builder accept a lower offer because of not paying a commission to a buying agents.

Would plan to use legal plan to do documentation review. Wondering I’m being too bold and could end up hurting me instead.

like

Anyone take the CIPM recently? How was it?

like

Which is better option to select? In terms of learning and job security?
HCL- Deutsch Bank- Lead Consultant -30+2 variable
Epam Systems- Senior Software Engineer- 30+1 jb
Big Data Pyspark profile

like

Any BCG partners here open for a quick chat?

like

How long should you wait until updating LinkedIn with your new job? After the probationary period?

Trying to get my drink on at CDG

Post Photo
likefunny

Feel like I wasted a year learning UX.
I'm a graphic designer with 8 years of experience in brand design and visual comm
Finished 2 certifications in ux design


But now if I apply to UX or UI design roles obviously I am not that experienced.
Which means I need to take a pay cut starting as a junior ux.

Are there any designers in the middle who add skills while they work like UX?

Which roles should I apply to now?
My expectations are atleast something between $90-110k 🇨🇦

Please advise.

like

In downtown Dallas for 4 days. Would be grateful for recommendations on attractions to see and places to eat. Will be traveling with SO so couple friendly things would be nice too. Thank you!

like

Hello,

Anybody holding zerodha account tried to report in T&T tool? It says Account must be transferred to a BDIP participating broker and closed.

like

Aggressive growth stocks to follow?? Suggestions?

I'm glad there's now a bowl for small business owners.

What are your top 3 challenges that you face?

I'll start. I own a wine business for background information.

1. Getting people to buy wine virtually
2. Shipping cost
3. Supply

Additional Posts (overall)

Does anyone rent out a home as an investment? If so I’d love to ask a couple questions about your experience please

like

Chewy? Think it’s a solid long term hold. Earnings this week

like

General question: is there any certain “rule of thumb” post that you sell to take profiles? I’ve seen some experts (“”) say to always collect at 20% and others say until you see a reason to sell. Asking as rearranged last week and luckily got into the airlines before they exploded and now I’m sitting about 50% up on delta. And after selling Zoom way to early (used to buy my delta), I’m not sure whether to take the cash or let it ride more. This fast a rally makes me think it will plummet soon

like

What blogs/books/resources should I seek out if I want to make the transition from passive trading (index funds/buy and hold blue chips) to more active trading (options, speculation, spending a few hours a week researching, etc)? I’m looking to turn my investing into more of a side hustle

like

I have had no real avenue to spend money like I used to with covid over the last year so looking for short-term (non crypto) investment opportunities with high returns ~$150k, any free advice would be appreciated 😄

like

Refinanced my house pre-Covid from 4.5% to 3.5%. Should I refinance again? The rate right now is unbelievable low, and I can save another $200-$300 a month...

like

Favorite rental markets?

like

Lender offering 3% for a 30year today. Being asked if I want to lock in that rate... is there any kind of methodology I should follow on whether or not to lock this in?

like

Have any of you purchased a new construction home without a real estate agent? I’m hoping that not using an agent will help builder accept a lower offer because of not paying a commission to a buying agents.

Would plan to use legal plan to do documentation review. Wondering I’m being too bold and could end up hurting me instead.

like

Is a Roth 401K with no match still worth it for those who can’t put money in a Roth IRA and max out their HSA? Just trying to decide if I should even put money in the Roth 401K - they have a ...

like

Has anyone take personal capital advisory services for managing your portfolio? I’m planning to sign up for one and wanted some first hand experiences.

like

Where are my TD ameritrade investors at?

likefunny

I have an 08 Toyota with a decent scratch on the side. According to Kelly Blue Book it’s worth about 10k. Estimates to fix the scratch are about 1k. Is it worth fixing or should I just let it be until I buy a new car? I’ll probably buy one mid to late next year. I just can’t fathom spending nearly 10% of the cars value on an aesthetic issue but I also don’t want to be cheap/dumb. No technical issues with the car or anything!

like

I have a 5 month old stock that I would like to sell but I need some advice. Should I hold on to it for a year or sell now? I believe the stock will continue to do well but obviously there is no guarantee of that. I'm located in NYC and am afraid of losing my profits to capital gains. Any advice? I believe short term taxes will be 40% and long term 15%. Is that correct?

like

What are your top picks for crypto today

like

PLZ HELP: just opened up a Roth IRA w Fidelity to contribute 6k every year in (roughly $250 every two weeks) and it’s asking me to invest in certain funds. I did FBGRX entirely. But idk which ones to pick and how to do this. Can someone give me advice on what to do here,

likehelpful

Just cleared my last school loan payment. Going to have an extra $500 a month going forward. Whats the easiest way to make sure I’m investing it each month? Not looking for high risk/crypto

like

If I retire at 55 am I able to begin taking money from my 401k without paying penalties?

like

What is the minimum amount of time to own a home before moving? At what point is it better to rent than buy?

I don’t currently invest in crypto. What are the arguments for or against starting? If I did, I would hold for longer term (5-10+ years).

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy.

Already have an account? Log in

New to Fishbowl?

image with Fishbowl logo and arms reaching out for a handshake

Already have an account? Log in

By continuing you agree to Terms of Use and Privacy Policy.
Messaging rates may apply

For account settings, visit Fishbowl on Desktop Browser or

General

Legal