Currently making 70K and I usually up my contributions each to start each year. I'm up to 10%. How should I split up my mix? Currently all in traditional.

Plan is to get this higher as I eliminate debt but 10% is all I can afford to do for now

Best cash back card to use in conjunction with CSR? Thinking about freedom unlimited (1.5%) but not sure if other cards are worth it. Don’t spend enough on groceries for the blue

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Is it too late to buy the FAANG stocks? Still feel that Amazon and Google are undervalued.

For EESP - which is better share withholding or payroll withholding? Thoughts?

Thinking of dipping my toes into real estate and wanted to see if anyone has any books/ podcasts/ courses or even any tips or advice that you wish you had when you got started?

Goal is to diversify my investments past the stock market. Any help is appreciated!

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

Would ETH be the next BTC?

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

How is leaseholds taxed in Texas for personal property?

Curious of the retirement benefits at your firm...go!

Deloitte: 1.5% salary match paid out once a year, fully vested after 4 years. Defined benefit pension plan, fully vested after 3 years

Hi, I work under contract for a foreign company as an APM. I have an import export licence and send the monthly invoice to my HR. My benefits include the following in-hand allowances: food, internet, sports, vacation, training and hardware. Plus a yearly bonus.
Can someone help me out as this is new to me, how can I save my taxes? (I have to file ITR 4)

Applying for Uk visa from overseas- How do I know if I am eligible for IHS loan ( immigration health surcharge) can someone explain this here? Thanks a lot

Hey Team

I'm on a H1B so I am supposed to pay Medicare and SS taxes, but my employer has not withheld anything- my hnr block advisor caught that but she just completed my returns assuming I don't have to pay those taxes

What is the right protocol in this case? Do I owe SS and fica taxes?

How bad of a financial move is it to relocate to London from NYC?
Currently at 165 TC, 26M
No near term financial goals, just would like to retire at some point.

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Are we on recession? My portfolio is super down - low cost ETF investor here

Does it always make sense to max out your HSA? I have ~$6k parked there now as a healthy 28 yo with virtually no healthcare utilization

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

Is software engineer 2 (in development department) and sde2 same in mastercard? Level 8

Best tips for studying/prepping for case interviews? I am overwhelmed.

Is there a clause in IBM if one separates before completing year.
Offer letter mentioned recovery of joining bonus if separation before 1 year. If i resign now ,my lwd is beyond 1year since I joined 10 months back. Which date will be considered here? Day of separation filing or actual lwd .
Also Can one can revoke separation at a later stage?

What’s a good price range to buy Airbnb??

I'm looking for a job... Please help...

Hello Everyone, What is it like to work as an "IT Research Specialist" at Ford Motor Company?

Does anyone know about Bevel PR? What have you heard? I am interviewing with them. Thank you.

Hello Fishes,

Got an email today to close Tata Mutual Funds as it's restricted entity. Basically I am from Advisory team and not from Audit or Tax department.

Do i really need to close the Tata Mutual fund?

I will resign in coming few days. I want my notice period to be reduced from 60 day to say 30days. I am not occupied in client project currently. My question is to whom should I talk to get my notice period reduced? What is the process?

Has working in corrections changed your life?

Is it a good time to switch to Deloitte considering all the recent layoffs ? Applying for a manager position in Deloitte Digital , not expecting more than 10% hike from my current salary.
Thank you

Which firms focus on customer experience strategy and more marketing, product, market expansion focused projects? To some degree to all firms have this focus?

How do MBAs feel about doing one year consulting then a year in industry strategy analyst role vs 2 years consulting?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Are we on recession? My portfolio is super down - low cost ETF investor here

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

What stocks are you guy guys buying right now in this market?

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

Can someone explain to me what a back door IRA is and how it works? I’m making over the income limit to contribute to any standard IRA and am maxing out my 401 K but no company matching program so I’m wondering whether I should be doing more

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?