Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

What’s the best online course to raise GMAT Verbal score? Have ~2 months until test date and am currently scoring 36.

Hello,
Can we get promotion after the mid year review in CitiusTech?
Or the promotion for the mid year already done?
I see for many people the designation has changed but for me it's not. I was under the impression that the promotion happens after the mid year discussion or after the year end discussion.
Can someone please tell the details and when we can expect the new revised letter mentioning the new designation.

I’m located in WA and have been working as a certified medical assistant and front office specialist for the same organization and have 10-11 years experience. I graduated with my BS in Healthcare Management last September and I’m currently fast tracking my MBA in Healthcare Management. I have been applying for leadership roles over the last year and haven’t made any headway. I’m looking for some advice on actually moving into a role utilizing my degree.I currently make $25.80, with a raise soon

Who here has invested or looked into RHOC (Rchain) as a long term investment ? Why or why not ?

I just want a decent house on the west side/Culver City/Mid City area of LA, that’s less than $900k. Is that really so wrong?

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

I should probably know this, but are companies required to refinance their debt if they are acquired?

I need some advice, Wife forced me to buy her a $68,000 car with 1000/monthly payment for 6 years. We need to sell now due to potential move out of country. Best offer from dealers is 52k. Meaning I have to cough up the difference or keep paying 1k a month for something we don’t need. How can I reduce this liability??

Just passed $1m net worth and thinking about umbrella insurance. Any recs for carriers/strategy?

What are the Pracitioner factors that go into your bonus again? Trying to get a guess. Performance, level, promotion year, what else? SC, Not up for promo, $117k, GPS HC

I am considering coming into an Analyst role at A&C GPS. I have 1+ years relevant consulting experience and was promoted to Senior Analyst at Accenture. Will this be considered for promotion to consultant at Deloitte a year after start?
If I need to wait two years to make consultant at D I would just stay at Accenture and apply to a consultant role once I qualify.

Looking for some guidance/ input regarding salaries...
What's a good general range for a promotion to Marketing Manager who would be overseeing all national (USA) marketing for a Global company?

In-house, 4 brands, based out of our LA office.

Thanks!

Hey, visiting Austin from the north and think I wanna move here. Looking for a house . Single family 3 bd + and 2ba + . Wondering what good affordable neighborhoods to look in! Ideas and housing advice are more than welcome !!

When should I negotiate new equity packages?

I report directly to my Chief Growth Officer and my startup is about to raise our series B. I joined the company 1 month after series A and I was told by my boss that employees get equity based on their future value to the company, not based on their success in the short term. So should I negotiate equity in every round of funding?

Any of you using TikTok to display your properties? I see it's working for some realtors and I am tempted to try.

Hi all,

Joined back TCS after Sabbatical leave (higher education).

Current designation is System Engineer and role tagged on Ultimatix is Developer.

Assigned to a project as BA (orally, on paper it's just Team Member). Raised a re-fitment request to HR.

Please throw some light on the re-fitment process and what I can expect depending on my qualification.

Qualification:
> TCS : QA/Jr.BA (3yrs)
> M.Sc : CS (University of Alberta, Canada)

Thanks

Senior Program Manager / Director looking for EU based remote work. Planning to relocate back to the EU on a permanent basis in the next 4-6 months. Open to work & would appreciate any kind of referral!

Does anyone know of companies in financial services that are only 2 or 3 days in office? I’m doing 4 days in office and one day remote and feel like 4 days is too much.

Please share your salary/location/level. I need to negotiate salary and would truly appreciate the help.

M 29 looking for a serious match:

Domain: Digital Marketing

Location: Surat, Gujarat (Working from home)

CTC: 21 LPA

Height: 5'5"

Weight: 65 kgs

Religion: Jain

Has anyone come to you for help?

Remember that these people asked Allah first, and Allah gave them your address for you to help them.

Looking for senior Salesforce developers/architects in the US! Joined my previous mentor in starting a new Salesforce practice. Company is based in SF but we’re ok with folks working remotely. Might require some travel once it’s safe again but not anytime soon. Good opportunity to be actively involved in building something from nothing

How does the annual appraisal look like in Accenture Capability Network for a Management Consulting Analyst(Level 11)

Any Navy Nukes in this bowl?

When a company reports bitcoin securities in their SEC filings, do the bitcoin securities get reported with the regular currency interest or is it a separate filing?

No sloan today :/. Thought today was the day

Any openings for a frontend developer with 7+ years of experience in React JS?

Any attorney referrals in Brooklyn for a tenant having major issues with their landlord? (Just moved into Apt that’s pest infested, has no gas/heat, and landlord is totally unresponsive)

Totally, new to cryptos and thing of buying partial BTC. Someone told me BTC sell is hard and different from stocks. Is it easy to sell ? Is there a thing like someone should be there to buy a BTC in order for me to sell? Can anyone pls explain crypto trading?

What are the strengths of Bain in the Middle East? How's the company compared to other players in the region?

What is your favorite Jewish tradition?

I have 100 hrs of PTO, if I quit, will they pay it out?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

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?

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.

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.

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

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?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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??

What does 401k mean?

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?

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

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*