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?

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

I am going to join _VOIS in December, as Manager H Band 11years xp. Can someone give me information as to what is the process of getting a promotion after joining Vois. How long does it take generally in this organization to get promoted. What comes after the Manager Designation.@_vois

Do Big 4 partners need to maintain any level of independence in retirement?

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

Hello Everyone,
How's Societe Generale as a workplace, what's the culture and work like, average hike given and chances of Promotion? Should I consider it?

Anyone has idea about how SWFs compare to PE funds?

How to know the GGID for checking final settlement payslip

Need a quick help
While structuring the HRA if we give max limit for eg., 20k and I have rent agreement of 7500. Will this be a problem or will I just get an exempt of 7500?

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

Hello fishes/sharks, what is the average hike conidering an average performance, and what is the tentative promotion cycle for band 30 BA

Answers need not be accurate, tentative works

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Best way to buy equity in pre IPO startups?

Hello, I am in USI GES tax at DUSI. I love my job but not my team and mgmt anymore. I'm a performer and I'm dumped with work of 2 ppl while others are searching for work. I am burned out.

I resigned and accepted a job with EY GDS with a huge pay bump that DUSI can't match but I also gave up my potential promotion for 2023.

I've been feeling bad about putting my papers down and letting go off my promotion but I am really tired. I took up this job as an escape.

Did i do the right thing?

Do we get a hyatt or metlife legal plan? Also whats a good investment activity i should do before joining D? Can i still invest in personal side like rental or non consulting gig after joining D? Does investment notice get updated yearly basis?

Will vs Trust:

Which do you use (if any estate planning) and why? Recently talked with a layer on getting a will and they are trying to steer me to a trust.

Demographics for ref: 30, live in GA, unmarried, no kids, no real estate (yet, planning to buy after market cools). I don’t envision I’ll amass a ton of physical assets over my life so really just need to say where my various $ accts go (401k, pension, IRA, etc)

Trust cost was $2,900. Didn’t give price for will.

Which brokerage accounts are permitted at JP Morgan for personal trading?

I know this is a google search away and have done so but curious as to what a typical day is as an A1 and SA1 from an employee’s perspective? How tasking, hours, skill set, and general expectation

Should security engineer positions (aws) application security, expect an algorithm white-board coding interview? Or is everything more relevant to the job, I.e. source code auditing?

Is citi provide any vouchers on Birthday ? And any alternative they giving for club Mahindra benefit ?

What if I forgot to declare 2 restricted stock on KICS portal, however sold them the next of purchase. What happens if it is caught in compliance audit. Do they fire you.

26 / F / Sr Strat / 5yrs exp

Bored as heck in my relationship. We barley talk. Don’t do anything together, just watch TV every night and on weekends…. What do you do with ur partner? Do y’all even have anything to talk about? I hope this isn’t how a long term relationship is supposed to be I cannot spend another 50 years doing this

Hy all

Right now I am in notice period and don't have any offer in hand
But I inform to my manager I have a offer with x amount and he agreed to match it
Right now I am going for a call with HR
If they ask do I have any offer in my hand then what should I answer them
Will HR ask for the offer latter which I have?
Fact - I don't have any offer in hand right now

What is the job role and salary package?

Who is in the dental field?

Deal Lingo - I’ve seen a “Book of Banking Jargon” from L&Ws. Is there one out there for M&A? Also does anyone really know what dupe/duped means?! I use it not fully understanding it’s meaning. (Junior Tag)

Busy season is about to commence from 17Jan and they still haven't sent any formal email. Why????

Hi, I am currently a Sr. Radiation Therapist experiencing burnout. I am currently looking into other positions within healthcare that does not involve direct patient care. Any suggestions of routes I should take?

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

Question for the married 🐠- Have you ever gone to couples therapy? If so, how did it work out for you? Did it help and do you now live your life happily ever after? Or did it just delay the inevitable and you are no longer in a relationship with your significant other? I’ve seen so many people go to therapy only to end up breaking up shortly afterwards and dropping some serious $$$

Thoughts on what will be announced at Wednesday & Thursdays EA Connect Sessions for ESS.....
Rumor has it RTO...If so, what are your thoughts?

What is the difference between Merrill Lynch and Merrill Edge?

Is it just me, or is Soros getting uglier every year? It's like the dark side is twisting him up.

I’m one of the only attorneys in my Texas firm that had electricity, internet, and water this week. I was warm and comfortable but still could not get any work done because things going on in the outside world are distracting. When I try to work, I feel like I can barely hold a thought in my mind before I get the “wait, what am I doing again?” feeling. I just want to know, I’m not the only one that struggled this week to do any work, right?

Anyone find a reasonable flight around Thanksgiving? I’m looking for somewhere to go over the holiday for 5 nights or so.

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 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?

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

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?

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

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?

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?

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.

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.

What are some personal finance actions that, if needed, must be done by end of year? Let's try to make a checklist!

Tax loss harvesting

Retirement accounts for 2022: can contribute or withdraw over-contributions until April 18, 2023 IIRC

HSA: same as retirement accounts

...?

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:

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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)

Best high yield savings products?

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

Thoughts on personal loans to consolidate Debt?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

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

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?

Both me and my wife maxed out company match on 401K but are below the annual limit. What are our options now to take full advantage of the annual limit? Neither of us qualify for Roth IRA.