Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

Hi All,

I am currently working in India. Recently I got a job offer from Germany. I have a doubt that I should go to Germany or continue here in India. Here are the benefits

Current company
28LPA Fixed + 3.3 LPA variable + 2 LPA Additional PF contribution. + 75000 USD RSU in Four Years

diconium GmbH Germany
62000 Euro/year

Can you all please provide your views which path I should follow.

While the law requires it, it seems that there’s no mandatory lunch for being a nurse or other healthcare provider. What's your experience?

Getting disability rated…I retire next year and seeing the doc for all my issues. They’re listed in Genesis under my active issues. Does that automatically count for when I retire or do I need to get appointments addressing these issues again after meeting with the VA?

Is 20 CTC Fixed good for Senior Consultant in Deloitte India with 6 yrs YOE ? Please elaborate what other benefits can we expect like wfh allowance, phone reimbursement etc

I’ve worked for a medical consultant company in Houston the last two years doing various things from billing to patient care to even doing medical records request. I have been looking for a job preferably where I can put my masters in healthcare administration to use but most of the jobs I went to apply for I qualify for everything but the management and supervisory years.

NFT’s... no interest in buying them but very interested in buying into whatever it is that makes tick. I think there’s a lot of money to be made off of such a ridiculous investment. Any ideas on what to buy to take part in the business of NFT’s, without having to pay $69 million for a drawing of a cat?

I’ve recently learned about invoice discounting and want to understand how good or bad is it from short term investment perspective. Is there any other instrument that I can look for apart from stocks or liquid funds?

Is 5.5 good mortgage rate in current situation for first time purchase? Any predictions on future loan rates?

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

I want to sell my house but there seems to be water damage and I’m worried someone will lowball me, what should I do?

Which credit card do you think is the best for ME consultants?

Can anyone share any examples of outstanding direct to consumer healthcare ads?

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

Any good apps or websites to track your net worth across all accounts (investing, banking, retirement, house) without sharing your information?

I’m thinking about transitioning to In-House from a big law firm where I practice Employee Benefits. Will employers consider me without the typical “corporate” or “litigation” experience?

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

https://yieldnodes.com?a=kR0zejgYmyoDrVm

Make 6-8% monthly passively

Yieldnodes is a server rental program, NOT a trading investment. It is not related to trading cryptos or currencies in any way.Participants' funds are used to set up servers that operate as masternodes and to stake small volume coins which allow those servers to partake in crypto network activities and generate more coins. The proceeds are shared 85% to participants and 15% to the program (the rental payment).

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Who else is buying?

Hi fishes,

Can you please help me with 11 likes to enable DM's.

Thanks in advance 😇

Are Mastercard, AMEX, Visa - Product based companies??
Also, what would be the best choice for data engineers?

Hi Fishes,

I need likes to enable the DM. Could you please hit a like ?

Thanks 😊.

How can the attorney you work for make your life easier, make it easier to do your job, make you less stressed?

PSA: it’s better to use all your vacation and then quit vs taking the payout. I just got cucked.

How was 2019 for everyone ?

Hi All - Ballpark in GBP what would a reasonable relocation package to London be from outside EU e.g. USA or Australia? This would be for a single person for context.

What sort of exit opportunities exist for someone who came from an upstream background, worked in Consulting for a couple of years, but wants to get back in the game (preferably with a major)?

Lately, I've been hearing a lot from my peers about how sales isn't a real profession.
I work at a tech startup and it mostly comprises developers. They can't stop emphasizing their importance in the food chain and I can't figure if I'm too humble or they're too arrogant.
This yapping comes from people I've known since college. I have successfully blocked all such negativity but wanted to know if anyone here has faced such scenarios.
P.S: I've already accepted an offer above my expectations

I never do this but I need some objective advice. My wife is 5mo pregnant and my sister is getting married. Wedding was adjusted because of COVID but she set the date knowing I might not be able to attend as I’d have to fly there. Now I’m conflicted because if I attend, I’d have to quarantine for 2 weeks away from my wife and miss a couple DR appts. I’m her only support where we live. Would be stressful for her but I’m getting immense pressure from my parents to attend the wedding. Advice?

What are your thoughts on those who refuse to wear cloth masks as a healthcare professional?

Reading The Anomaly by Hervé Le Tellier and thinking about the last time I was on a turbulent flight 🤔

Currently an event coordinator for a company and looking to move into either another event coordinator role, or into an SDR or project manager role. Does anyone know of any opportunities or able to give any advice what roles to move to?

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

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

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

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

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??

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

Have about 5k to invest - should I do FXAIX or FSKAX?

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)

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

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.

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?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Anyone have a recommended tax person in Chicago?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

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

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?

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.