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Hi There, I am a finance and analytics professional with ~7 years of experience in domains like FP&A, OTC, Process transformation and Healthcare analytics. I have hands on experience on Google tools like spreadsheets, Google data studio and other internal tools. Have also worked on multiple Google projects with the PPG team in Google US.
It would be super helpful if somebody from Google can refer me. Please comment below if somebody can and I'll add them over LinkedIn and share the details.
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Happy Birthday and Semper Fi my fellow DevilDogs !
How to ask/negotiate a higher signing bonus?
Hi Fishes, Please help me to choose better organization
1. Globant - Designation (Semi Senior Engineer)
2. Brillio - Designation (Lead Engineer )
Both are offering me 21 - 23 LPA fixed
YOE : 4.7 Years Skill Set : ReactJs
I Have joining on Monday, Please help me to choose . I am looking for WLB, Job security, growth & work culture
Globant Globant India Pvt. Ltd. Brillio Accenture NTT DATA
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Anyone have a sublease apartment available?
Anyone going out Thursday-Sunday? 🥳
Happy St Patty’s! ☘️🥳
As a someone now 3 years out from undergrad. Yes saving is important. No you don’t need to max out your 401k right away. It is a disproportionately large amount of your salary at the very early levels of your career. What I did and I am happy with is:
1. Put into 401k up until matching
2. Build a rainey day fund of ~2 months
3. Start contributing to max out the Roth 401k
4. Use the leftover to continue building rainey day fund
5. As you get promoted and raises, don’t change the ‘fun budget’. Rent might go up with inflation etc, but out the raises / your bonus into savings.
This let me really enjoy the first few years when all your friends are around and you’re still bright eyed and energized! Starting early matters yes, but almost every consultant is wellll above the ‘average’ American and will be in the top 10%
***3 should be Roth IRA. It is more flexible than the 401k!
Pro
Balance saving and having fun. Think $1,000/month is pretty great at that salary (and after 401k).
How much are you contributing to 401k - are you implying you max it out?
In general, look for total market or S&P 500 funds. They have these at any major brokerage like Vanguard, Fidelity, Schwab, etc. so the actual fund name is different but effectively the same in terms of diversification and performance.
Additionally, I’m in the process of setting up a rainy day fund before I start putting larger sums of money into my brokerage account. Still need to learn more before I dive into investing though
This is smart - definitely do this first to get yourself a few months of expenses but once you have that you can do the other items recommended. It doesn’t all have to happen at once.
Rising Star
Increase 401k contributions to the max. The more you save earlier the better.
Pro
I’d agree as soon as you can afford it. Op said right now they are putting in $150 (per month I assume). That equates to ~ $55k after tax. Docking away $20k of that (little less because of taxes saved) is a huge %. I didn’t start maxing out my 401k until I made a bit more for comfort.