Currently 27 and have no loans. I contribute 7% to my 401K, $168 a month to HSA and $150 a month to a separate Roth IRA. Should I invest more in my 401K? I’m using the Roth account as half retirement/ half first home purchase account

People who keep 4-5 months of emergency fund - do you keep it in a savings account or invest in stock market or checking? We have started building our (wife, kid and I) emergency fund and not sure what’s the best strategy.

Ev bubble finally bursting. This rout will separate froth from long term plays. What are LT spacs or EV stocks you are doubling down. Hopefully another 15-20% correction in EV will be healthy.

I just transferred an IRA to vangaurd in hopes of allocating my money to a S&P500 index and forget about. However on the site I can only choose target allocations (e.g 80% stocks, 20% bonds or whatever mix) Is there a way to pick specific ETFS and funds?

Thought I’d share with you all this text from my husband this morning: “Any stocks you’ve wanted to buy? Market totally tanked today.” The way to a girl’s heart…

Available 2BHK unfurnished for family at Kharadi Bypass.

Reason: Moving out due to job change

Is it possible to make a million in any sales position? I see so many classes and books on how to be a millionaire by selling. Seems like BS.

Is realized exchange loss supposed to be considered an income item or a deduction? If deduction, do you allocate it the same way as the other expenses?

Folks requesting reference for data science related post. I have PhD in biotechnology and 12 years of experience including PhD. Last 4 years experience in healthcare data science projects. Is there any openings for senior data scientist?Thanks in advance. 🙏🏻

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

@ manager
What puts are you buying for late October? Apple at 223, AMD at 32?

Stock traders just woke up this morning and remembered we’re in a slowing economy with a tightening Fed policy?

What is your investment preference: S&P 500 ETF or Berkshire B? And why?

Looking for remote healthcare opportunities in business ops or project management. Recommendations welcome.

Why is it bad to keep $$$ in the wallet on bittrex or other digital exchanges? I hear people moving their $ to nano, mew, and others. Wouldn’t it be harder to transact, but i see the security concern?

How can you achieve financial independence and retire early if your assets are tied up in 401k/IRA?
Do you purchase assets that produce dividends and other streams of recurring income to replace employment income?

Are there any 🐠 at Guidehouse interested in making a referral for a Six Sigma Black Belt and Healthcare Quality professional with 4 YOE across multiple service lines?

How should I interpret 3.37 AMH in a 35yr old? Is it good or not so good?

Looking to refer a friend of mine to a Life Sciences or Healthcare Research role. She has a variety of industry and clinical experience and is looking for a early level career (she has under 2.5 years of experience). She’s very skilled in research and healthcare Analyst related roles. Any companies that are looking to hire please dm I’d be happy to send along her resume! Located in Northern Virginia/DC, open to remote.

What stocks or funds do you invest your IRA contributions in. Just opened up my IRA last week and looking to see where to invest in.

Thoughts on WFH post COVID? Debating moving to a lower COL area outside of the GTA

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Freelancers: how do you guys prefer to structure flat fee payments? I’m thinking about invoicing in two payments for the client to build trust since it’s my first gig with them. Smart?

A client had something sitting on their desk for 2 weeks and emails us urgently asking for it to be done today. Told the partner I have 4 closings and he told me to “find the time”. Do partners and clients just get off from this sort of thing?

Looking to expand in Pittsburgh, PA and Bozeman, MT.

I ended a 5 year relationship back in March because he was toxic and I was very close to depression. Since then I’ve lost 30 pounds and found happiness again. Now due to a serious of events, I’m falling back into that depression. I’ve already gained 10lbs.
This one seems scarier & no matter how many times I tell myself to get up. I just can’t. I feel defeated.
I know I don’t want to end my life because better days will come, but I can’t shake the thought. :/
Any advice would be appreciated.

EM asked the team if we were fully vaccinated and my (apparently unvaccinated) colleague wants to report him to HR for asking. Lol

CSR - hold or cancel? Firm has cancelled expenses on personal cards

I have an upcoming conversation to discuss compensation, curious to get thoughts on what I should ask for. I was hired as a Marketing Manager (assisting with projects, communication with clients, etc.). I am now running & managing all digital and creative projects. They are considering switching my title to Director of Project Management. All inflow and outflow of work is facilitated through me. No one else is able to communicate with our clients outside of me. What is a fair salary to ask for?

Hello Friends,

Help me to choose

Blue yonder:16 LPA
Colruyt group: 17 LPA
YOE:5.5
Tech stack:PLSQL,Linux,shell scripting

It’s 2:21 AM I tossed and turned for 3 hours here I am stressed and exhausted but unable to sleep

Hearing rumours about new office in Hyderabad. Any insights?

Has anybody here who has aspergers tried taking Wellbutrin for depression? Did it help?

For all you Toronto transplants on here... what brought you to the city?

Hi fishes,

I attended an interview in an MNC yesterday. Now they are asking for my documents. Does that mean i am selected for the job Or will there be any other rounds?

Thanks,
Fish

I’m moved under a person who I would not get along with at all and have clashes with in the past. I’m considering resigning with no job prospects at the moment. I have a healthy savings and low cost if living. Should I resign and dedicate 100% to job search or do the minimum while searching for a job?

any good resume templates for a consulting to buy side move?

Thought I’d share with you all this text from my husband this morning: “Any stocks you’ve wanted to buy? Market totally tanked today.” The way to a girl’s heart…

How can you achieve financial independence and retire early if your assets are tied up in 401k/IRA?
Do you purchase assets that produce dividends and other streams of recurring income to replace employment income?

What stocks or funds do you invest your IRA contributions in. Just opened up my IRA last week and looking to see where to invest in.

Does anyone have any experience with buying & renting real estate properties in Florida? Good idea or bad?

I’ve been looking at apartments in Brickell, Miami. This would be used primarily to rent via AirBnB (or a full 1 year lease if I can find a a decent tenant).

Any advice is appreciated.

Thanks all

Can you start this if you’re 34? Kind of late to the game or nah?

Saw a post about an engagement ring here so wondering if you all have tips for wedding bands. Ideally, a half eternity band or something similar for me and a white gold 4 mm band for my partner.

Just want to hear from people who hit FIRE and pulled the plug on working. What are you doing these days? How great is your life? Any regrets?

Is it possible to live off 12k/year?

What’s your recommendation if my new 401k does not accept pension rollover? I think the only 2 roll over options left are traditional/Roth IRA, right? If I first roll over the pension to traditional IRA, and then immediately roll over the traditional IRA to my new 401k, will I still trigger the pro rata rule when I do backdoor Roth in the future? I have never contributed to a traditional IRA or done backdoor Roth so far.

Need advice. 44 single female with 250k cash in bank, 140k in 401k, 15k in CD with 2.25% interest and 200k home mortgage. My taxable income is 230k with bonus. Have opened a trading account in (contd

Anyone living the dream DINK lifestyle to help reach FIRE earlier? Still very single myself but would love to hear success stories!

I have about $45k cash on hand. Job looks pretty safe but I want a fall back in the event of job loss and / or recession. I have student loans of about that same amount on pause but at an 8% interest rate once they start up again.
What should I be doing with it?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

My father is an accredited investor and invests in private companies. I said I’d give him $50k for one of the investments but technically it’s all in his name. 3x return. Any way to touch that money without double taxation (expecting to pay his highest tax bracket on the returns since shorter than 1 year and then gift tax above $30k)? Thinking about asking him to put it in a separate bank account in his name linked to my credit card - but still likely too much money to burn through.

If I roll my old employers 401k into an IRA this year, am I correct in thinking that what I contributed this year in that 401k still counts against my 401k contribution limit?

I recently passed the 1 MM NW mark and originally was planning on diversifying into REI once I hit this mark. However, with the pandemic I'm a little hesitant. For those Real Estate investors out there, how has the pandemic impacted your portfolio? Have vacancies risen noticeably or rents dropped dramatically? How has the moratorium on evictions impacted you?