Currently maxing out my 401k, my spouse’s 401k, and HSA. Socking away in 529s too. Investing leftover cash into taxable accounts (index ETFs). With my 2022 raise, I’m fortunate enough to have more left over and I’m wondering what others do. Interest rates are too low to justify parking lots of cash in a”high yield” savings account or CD. Real estate prices seem absurdly high to get in now on investment properties. I’m not savvy enough to pick individual stocks. Angel investing? Anything else?

Is it possible to buy a house and sell it for a higher price?

Monday Wordle :

Wordle 401 5/6

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We are hiring-healthcare consulting managers at RSM.

Hello and happy Thanksgiving! What are the pros and cons of living in San Diego vs San Francisco? I’m from NY and looking to move to one of those locations. I’m hoping to get more info on rent, dating, entertainment, taxes, and job stability.

If your job declines you a raise and cut your hours and I’m the only employee who hours are getting cut is there anything I can do

Rate my offer for a business valuations associate role at a boutique firm in Toronto:
- $90k + ~7.5% annual performance bonus
- $5k in clawback reimbursement
- will pay all professional fees throughout term of employment (CPA & CBV)

My background:
- SA1 in assurance
- Master of Accounting
- passed CFE, qualify in about half a year
- enrolled in CBV program of studies
- 24 yrs old

Seeking recommendations for electric & gas industry/professional association activities to network, raise visibility of our company.

Curious what’s a fair salary in MA? Was just told that there is likely not going to be a chance for a raise during my upcoming performance review due to my salary already being “above average for the industry” based on my employer’s questionable research. I’ve been with the company 8.5 years & am the only one in my role, which they can’t operate without. I execute tasks from two investment advisors and two financial planners - they make the decisions of what should happen & I make it happen.

What does anyone know of real estate in Web3? I keep hearing about it but it feels so foreign that I wouldn't know where to begin.

Anyone know of any standards, or have any opinions, on naming in-house counsel as a named fiduciary of their company's 401k plan? Pros and cons?

I'm 6 months old at D! Planning early promotion next year.. counselor and pm both are backing me.. I need to go to India for at least 4 weeks in Dec ... most probably would be rolling off from current project by then .. would this vacation hurt my promotion chances coz of utilization etc?

EY leave department hasn’t been the most helpful with the exact details around maternity leave - so just wondering for any EY mamas - how do we initiate getting the two weeks before due date off? Just a doctors note or ??? Thank you!!

Anyone thinking about buying a house in Philly right now or soon? Anything to keep in mind?

I want to do an MBA in the next 2 years. I’m currently up for Senior consultant promotion but I don’t think I can make good money in consulting till I become Partner. My boyfriend isn’t supportive of this decision. He believes it will alter our plans (marriage, children etc). He also thinks immigration will be a big hassle since I’ve already used my 3 years of OPT. What should I do?

I recently accepted a job that’s fully compensation based on life insurance , health insurance…. Anyone have any thoughts on yr1 pay and the life of it ?

I was paid a retention bonus last year which I have to return - couple of questions: Will I get a corrected W2 ? If yes, how much time does it generally to generate a corrected W2? Should I wait for corrected W2 to file the return ? (with the current comp - I owe taxes however with the W2C - I will probably not..) thoughts??

Do we still receive points for the stay if I book through AmexTravel?

Florida associates (3-6 years experience) at regional decent size firms (or I guess really any firm), what is your hourly rate and salary? Thinking ahead about asking for a raise this year, and wondering if I’m limited at my firm bc our rates are seemingly low.

Planning to take the CIPP and CIPM. Will be doing self-study. What is the “book” everyone refers to for studying? Is it just the “study guide” the IAPP sells? Does anyone know if the study guides and sample questions you can buy on amazon are sufficient to use for passing? Appreciate any and all advice.

I have my performance review today but I already know I did not get a promotion. I already have a job offer waiting and this really sealed the deal for me. My question is, what’s the classiest way to quit while still showing I’m disappointed? I want to quit on the spot but I know that might now be the wisest move. Any advice?

What is the salary range for M1 in Pwc sdc vs ey gds?

Any thoughts on post-season moves for your team? I'm personally really pissed that the Canes are letting Niederreiter talk to other teams. He's a huge part of the team's success and I'm stunned.

Looking for inspiration from real people versus youtubers..

Post a picture of your home office. Starting my first WFH job and I'm looking for ideas! Top accessories? 13x13 guest room is the desired location. TIA 😊

Saw my second gray hair today and it's on the middle of my head. Makes me want to find a guy before im too silver and bald 😔

Hooked up with my ex today. Something about the holidays really tends to bring out my self-destructive tendencies.

I have a friend who told me he sought treatment for alcohol abuse 6 mo ago. We talk a lot and I try not to judge or ask too many questions about his progress, just wanting to be a supportive friend who doesn’t pressure him. Today I brought him to a very laid back picnic… there was drinking but plenty of non-alcoholic alternatives, and it was a very chill group. Toward the end of the day I noticed him drink something. Should I have confronted and stopped him? Should I bring it up now? Guilty now

Hello Everyone,

I have 2 outstanding offers from EY and KPMG in the Finance Transformation group. Does anyone have any insight on the WLB right now, with the labor shortage and pipeline being crazy?

Also,does anyone have any insight to how difficult the transition will be from being a manager at a middle market firm into a manager at the B4? If someone else has done the transition how long did it take to get your feet under you?

How to switch from Accenture technology to Accenture strategy?

For those that are currently investing.. Did you have an emergency savings first then started investing or did you just take $$$ and start buying?

What are some projects you’ve had students do to show the influence of classical works in a genre?

Curious if Truist added extra perks for their junior bankers i.e. base salary increase, meal stipends, etc. along with the other banks? Thanks

Just got married to a somebody I met through this bowl and I love him with everything inside me! Wanted to share that’s there’s hope for everybody!!!!

Hello Sharks,

What is the salary range for Lead software Engineer in Persistent.
YOE- 3.1

In the process of negotiation. Do let me know.
Thank you

Does Microsoft has any Data Engineer roles ?

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

Does it take 3 quarters of the year to reach 3% (tier 3) interest rate at HMBradley? If so, does it make sense to deposit a large chunk of fund until I reach tier 3?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Any any one here created irrevocable trust? If so what are the annual expenses of maintaining the trust? How hard is IRS paper work

Balanced portfolio: hows’s your stock: bond ratio? Within stock , which index funds do you invest ? I have mostly invested in vtsax and vigax, and tiny percentage in vviax. Do I need to increase in vviax?

Is buying into the VIX the best way to hedge for a mkt downturn?

Used car prices starting to come down?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

My lease is expiring and a friend wants to buy the car . Anyone do this before ? I guess I would have to buy it and then sell it to them ?

What is your ratio of Net Worth / Annual Income? What's your age?

Would prefer if folks don't share their gross net worth or income #s as this is more about how have folks been doing given the resources they have.

Follow up on Rich Dad Poor Dad...General consensus is to buy real estate...So for those of you who have read the book, have you bought any real estate lol?

This is a post to reach out to Indian professionals working in US. How do you feel about investments in India vs Investments in the United States, all inclusive - real estates and stocks ETFs
TIA

Let’s say you have two young, high income partners in a couple who want to buy a house together but don’t really care to get married. They already live together in an apartment but both want to move to a house to build equity and have a yard, not share walls, etc. Should one partner buy the house and the other pays rent until they get married, or should they get a mortgage together without being married? I realize there isn’t a “right” answer but I’m interested in people’s experiences here.

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

The next $GME is DOGE.

What platform do you guys use for buying ETFs ? Can you recommend high fielding ETFs ?

Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started