Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare

Hi Guys,
Hope everyone is well.

I am looking for a part time role for additional income source. I currently work in Category Management team of a Packed Food Company in Mumbai, India.

When I look for the part time roles I only find shady MLM and some delivery jobs. Nothing wrong in delivery jobs, but I am more inclined towards WFH role as me and my wife are pregnant.

Can you guys suggest where can I find reliable part time roles?

Thanks,
Kunal

My firstborn is due in just over a month! Was wondering if anyone can provide any tips or insight for a first time parent!

Need some help! Currently live in TX but work as an independent contractor (remote) for a NYC based company - do I still need to pay NY state convenience tax on income or would this only apply as a full-time employee?

Should I be putting my $ somewhere else other than my bank account to save for a house?

Anyone have insider info on what adam&eveDDB, Mother London, and Uncommon look for in planners? Are they looking for awards? Thought leadership? Looking to make a move and want to take a shot at those 3!

How do you save taxes & etc . If you are making more than 175K(bonus included, no stocks).
Max out 401 K,
Can I put money in IRA?
Is there any other options to save taxes?

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Hi Guys,

I have an OL from LTI with a CTC-20 Lpa..As my mother had brain surgery, i need to be with her. i have asked HR to provide WFH. Does LTI support in these kinds of cases?? I have also asked HR to set up a call with the Project Manager.

Comments pls ..

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

I'm a US citizen living abroad I applied almost 11 months ago for my spouse. Married for years, kid. I wait and wait. It seems this will take 2 years, maybe more. I feel trapped. On one side the US system demands I work and domicile in US, the other side says families should be prioritized to stay together. My spouse has had enough of the process. I feel trapped abroad and locked in a dysfunctional system. We're just in limbo, it's depressing

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Does anyone here have a Tesla? Should I do it???...

Was just on a call with my mother who claimed someone helped her bought an investment target that has high consistent return (>25%) without loss to principal and low risk. Is this possible?

Am secretly freaking out because she doesn’t know what she bought. It is her own money but I wonder if it is my place to step in…

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Thinking about buying a house in La Mirada and start a family soon. Any thoughts on La Mirada area?

40 weeks pregnant and terrified to be induced. Any tips on how to manage the stress and pain? I’m getting an epidural but still very nervous.

We were not trying to conceive. And I was drinking alcohol like twice a week.
Now I missed my period and pregnant. I am panicking a lot, not sure if I want a baby right now. Definitely i cant deal with pregnancy constantly knowing how much u drinking could have affected the fetus and if i could ever endure the consequences it would bring upon the baby
Help me understand if my baby will be fine or not.

LTE 28%
AirSwap 32%
Lend 23%
POE 10%
Eth 8%

Your thoughts on my portfolio?

Hi fishes,

I wish to know .. for a ux designer .. having 3 years exp. And post graduation degree ..how much CTC can be expected to be negotiated with hr.

Current CTC 11.5

Owe ~$4,500 in taxes for 2020. Anything I can do to reduce this amount? Going to contribute some extra money to 401k to get me to 19,500 for the year. Anything else?

Started my day with a good ole “Well this is how we’ve always done it” after suggesting a process improvement.

So 👏 thankful 👏 only 👏 managers 👏 get 👏 to 👏 make 👏 decisions👏

🙃🙃🙃🙃🙃

Does anyone ever use their overtime meal to buy something else when at Walmart or Supertarget?

Yoe-11.5
Current CTC -17.8
I have got an offer of 24.5 and designation AVP. I got what I asked.

Did I asked less?? Can I re-negotiate the offer? I don't have any other offer right now.

Is anybody planning for a trip to explore bangalore this weekend?

When should a stub start getting worried about not having much work and low billable hours?
I’ve asked for work but no luck. I know they say this is normal for a stub but when should I start getting worried and consider looking for exit options? Fyi, I like my practice group, so I don’t want to change to a different group within my firm, hence would have to lateral, if I have to. Also, other co-1st years are churning in high hours.

Hoping to max out my 401k this year but i think the market could decline in the first half of the year. Anyone else lowering contributions to start the year off then raising it later on? Or are people sticking with time in the market > timing the market?

Hi everyone, any tips for resignation letters, who to meet/tell first, what to do before your last day (i.e. anything adulty like 401K or healthcare)? Any insights would be greatly appreciated!

Hi I have an interview with JP Morgan for Devops SRE role. Please help with what kind of questions can be asked ? Thanks

How much hike one gets at promotion from manager to Senior Manager in EY GDS?

How much does KPMG KGS offer for
Role: Consultant
Location: Pune
YOE: 9
Profile: BA, Financial Services Solutions

After applying for a analytics role at Instacart, got an email for a codesignal. Anyone had the same recently?

I am not people person and having tough time as I am moving from 1 short project to other with no long term vision or goals . Every month new project new face and by the time I am settled , it’s time to move on . Have anyone had same experience and how do you deal with it

Fitbit Charge 5 or Apple watch?

I like that Fitbit is cheaper and has better sleep analysis it seems but hate the lack of band options I’ve found online. I don’t need my phone at my wrist either which is why I’m leaning towards the Fitbit. Anyone feel strongly about either one and why?

Anyone here start playing golf later in life? How did you pick it up? I'm in my early 20s/F, and I want to try out golf but don't have any friends or family that play.

Any suggestions for healthy self help books? Or healthy eating or understand why we get cravings? Looking for self help books alone those lines to help get my eating right

Considering opening a 529 plan to fund my MBA in the future, is that possible?

Can the $7k HSA limit be for myself + kids, or does it have to be myself + SO + kids?

Is DIDI good to hold? If No, which would you pick instead?

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

Folks, investing newbie here. Planning on using the Bogleheads recommended 3 fund portfolio. Opened a tIRA with Fidelity and have been reading about their 4 fund portfolio which is in line with Bogleheads.
Question: I'm looking for a step by step video on how to go about selecting investment options. As a newbie, I know what I want to invest in, but I'm not sure how to do it. Any tutorial videos that walk you through the process? E.g.- click here to select, click there to confirm.

Would you cash out refi a rental property to buy another rental property?

I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here

At what point do you pull out money from stocks to buy your first home. Stocks seem to keep going up but I guess so does housing but how do you know you're making the right adjustment in overall portfolio allocation?

I’m living off $47k post-deductions (401k, etc, but not taxes) in a T2 city. What are some good money saving tips and tricks for relatively low income consultants in their early 20s?

Hoping to max out my 401k this year but i think the market could decline in the first half of the year. Anyone else lowering contributions to start the year off then raising it later on? Or are people sticking with time in the market > timing the market?

I am trying to do a backdoor roth but have about 60k sitting in traditional IRAs. I also currently live in NYC, would it be best to rollover everything into 401k, then do backdoor?

If I have access to both to buy through Fidelity, any reason to choose IVV vs VOO? Why do you pick one over the other?

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

Hoping to earn rental income. Any good advice or resources on getting started? What’s your experience been like? Thanks for sharing in advance!

Can someone help me understand the advantage of Backdoor IRA. In my case, I don’t think My taxes will be higher in retirement than they are right now (32% tax bracket currently)

Thoughts on pionex?