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, negotiating with HR on salary for a new AS position and want to know what’s fair. I was an AE for two years, took a promotion at another agency for SAE for only 8 months and am now being recruited for AS at 80k. All of my agencies have been large, I’ve worked on pharma and a large global account, I also started “managing” at the AE level due to my team’s structure. Is $80k fair? Thanks!

Hi All,
Will it profitable to stay in LTi as I have completed 17 months here and currently at P2 grade (Senior Software Engineer) ?
I'm working in CITi project since 17 months, premapped ro project so, not a single I was in bench til now. In this January they retained me with 70% hike :).
YOE - 5.6 years
Skills Set :- Java, Springboot, Microservices, SQL.

What all benefits I can get from LTi in next 6 months or so ?
Like Promotion to P3 and OnSite ?

I didn't start looking for opport.

Thanks,

I get $3200 in rent for a condo that I have $3600 monthly costs on (mortgage, property taxes, HOA fees). Although I put in $400, I make about $1400 a month in equity (15 year mortgage). Property is worth about $470k and I have $200k in equity. Make sense to keep or sell?

19k to invest this week following a recent sell. Considering a small portion into BTC and the rest in VOO, VTI or SPY. Should I do dollar cost averaging into these stocks or are there any other suggestions?

Hearing rumors that you pwc folks won’t be able to use robinhood anymore.

Has any companies given their employees good raises to help with the rising costs of everything? I was a top performer and only got around 3% this last year.

Bought $0.50 worth of XRP in 2013 and promptly forgot about it. Now worth $172. 35,000% gain.

Received less salary this month also. (Same amount as last month)
Why is this happening? Too much tax 🥵

Anyone has experience in investing through Angellist?

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

Quick question: will you buy vanguard index funds through a vanguard account or their ETF versions through Robinhood or Ameritrade (already have Robinhood and Ameritrade) ?

Trying to build a strategy focused on index funds.

Hello ME fish - any suggestions as to where I could invest reasonably safely if I’m targeting a ~5% return (in USD/AED)? LIV used to be good with their 2% return but that’s decreased now, and I’m looking for a bit higher.

Do you deduct your internet as an home office expense on your tax returns? Any other common consulting deductions I should be looking at ?

How much % raise they usually offer for the one getting promoted from 601 —> 602?

Also, how much % raise one can ask for?

I got
Business results - S
Client/Customer/Stakeholder - S
Teamwork and Leadership- O


Is this a good rating?. My manager said they won't give SSS to anyone unless they are a promotion candidate. Why do they have to reduce the rating just because of that?

Is this going to affect my hike, bonus?. This is my first review at the firm. Please help.

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Does anyone know if it would be possible to negotiate scholarship $$ with Kellogg after I've already committed and submitted my deposit?

I am an email marketing specialist. I am approaching my one year at my new job. I have been going above & beyond. I have been recognized by my boss that I have been doing great as well. I have been implementing new strategies, completing all assignments on time, and I do the most in all of our meetings, interviews and business events. How much can I ask for a raise?

Should I buy Everi stock?!

Anybody here flip houses on the side? Is it lucrative and what were some big challenges initially?

Feeling like my life is racing by being on the road 20 years, and saddens me that when I get home tonight my SO leaves on a business trip.

Yesterday only during their press meet they told that they have honored all the offer letters last quarter...and today itself you can see so many delaying and postponing of joining cases in this group only....there must be something very wrong or messed up.

Hello fishes,

Need 11 💟 to unlock DM feature.

Please help, thankyou in advance.

Any tips on how to perform a circle-up on registration statements?

Hi Guys ,

My last working day in IBM was on 6th dec-2022.
When I will be getting FFS and experience and relieving letter from IBM side ???
@IBM

I have an offer from LTI, my joining date is in next 2 days. Today only I got an offer for higher package from another company. If I try to negotiate with LTI will they entertain in such a last moment.
I want to join LTI but with higher package.. Please suggest what would be a wise step here in my situation.

How are the salary hikes at nagarro? I heard the hikes has decreased! If yes what can I expect after a year? I am 4 year experienced

Hi All Fishes,
I'm a 5 year experience UI developer in Angular with very little experience in Java backend.
My current CTC is 17.5lpa and I'm thinking to switch company for personal financial reasons.

Is it appropriate to expect a salary range between 40-45lpa given my experience and skills?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Anyone got picked in the lottery this year but still hasn’t received Receipt number?
My application was submitted in early June.

Hi fishes, where can I find payslip in hcl portal

Any good business/consulting books on amazon kindle that y’all have read that has helped you in your job?

I am interviewing for a paralegal/legal assistant position and coming from the insurance underwriting field. Any tips or suggestions of topics/products/etc to research/be aware of going into the interview? Are there any designations or schooling I should be looking into if I decide to make the career change?

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

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

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Thoughts on personal loans to consolidate Debt?

Hey folks - I have an inquiry on my credit for a gym membership I “failed to cancel”. I had previously left this gym as it closed during pandemic, and shifted to a new location. In doing so, I informed the gym I would be leaving. However, I recently checked my credit and saw that my membership had not been cancelled and had been sent to collections (prompting an inquiry and dropping my score).

Has anyone experienced this, and is aware of next steps to take here?

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.

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

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.

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:

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Best high yield savings products?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

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?

Does it make sense to max out my 401k if I want to retire by 40-45?

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?

How do you guys invest on gold? Is it just buying the biscuit or do you invest in their stock/ETF?

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)