Dear experts, I have a 401K plan from an earlier job. This job formed large part of my career tenure. I am tired of them changing providers (6th time now). My options are to consolidate with my current job 401K or roll over to a personal IRA. My current job 401K provider keeps changing hands as well. Any suggestions from this community on which way to go?

Is it worth it to buy a multi-family home to rent out?

Are there any debt consolidation options for a professional family man with a decent credit score, who's let high interest credit card debt get out of hand? I get the mailers that entice with a low advertised rate, and then the offer comes back at something slightly less than what I am already paying. I am thinking something along the lines of a bank that I can talk to, and explain exactly where the money is going, not being apposed to a direct deposit to the card companies themselves.

How do you renegotiate your commission rate on TD Ameritrade and it’s platform ThinkOrSwim? Is this requested online or do you have to call in? Does it have a decent success rate? Im at the original .65.

Shoulda just sold my stocks to pay my taxes instead of holding and using cash 😂🥲. Same result - except now I have to hold longer

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

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.

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

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

Realized some gains from a trade and I have 5k to move. I’m looking at TGT or WMT as an alternative play to AMZN. I’m looking to start a long position 3-5 year hold/add and reap some dividend reinvestment. Any opinion of which one to go with?

Any good books to help get you up to speed on real estate finance matters?

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

Anyone who sends some money monthly to their parents in India? If so, how much $/month. I send $2.5K each month but trying to figure out if there are better way to invest that sum here in the US than just to put that money in a Fixed Deposit in India.

I have got an offer based in Boblingen, Germany with 60k euro as fixed. Will it be enough for a couple with a 3 year old kid ? My major expense would be accommodation, groceries, kid’s school and transportation. Please do let me know your valuable inputs. TIA

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

Goodbye XRP! Thanks for the awesome gains and good luck hitting that absurd $100B market cap 😁

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

This might be philosophical but wanted to understand if we should get satisfied and be happy with what we have or keep striving for more?

Reason I am asking this is - I earn close to 1.5 lakhs every month and if someone had told me this during my college days I would have taken it eyes closed thinking this is more than enough. But today, I am not able to be satisfied and I don't want this to become an affliction so thought to share with others here and get to know the general sentiments.

Just moved into a new house. Completely empty at the moment. What are some must have that are quality of life improvers or things that are smart to buy “the good version of”? (I.e. buying an $80 press iron instead of a cheap $15 dollar one)

Hey could you please let me know how is Pune ey gds office?

Who are your favorite advertising comedy directors? Who are your favorite comedy directors who are women?

Could any marriott employee share a friend and family form? I'll return the favor :)

Opinions on AbleTo?

Where is the best place to look at inspo for directors / style for TVC/OLV?

I am working on putting a PD session together for new teachers about using tech in the classroom. What tools/skills do new teachers need to know when they get started (other than learning their school's grading/attendance platform)?

Water filters HSA eligible?

Salary cut 20% first week the virus broke out, no bonuses this year, and it’s unlikely that we will get that 20% back. Good thing this was my first year and I earned all of 3 months of my salary. 😑

Chances of convincing HBS to take me off the waitlist using offers and full tuition scholarships from all the other M7 (GSB, Wharton, Kellogg, Booth, Sloan, CBS)?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.

How can I invest in real estate ? Looking for an additional passive income source

Resigned already 30 days back

Got 75% from accenture

Feeling like I should revoke resignation.

I am actually loving the people I am working with.

Not sure what is waiting for me in new company.

Will I regret leaving deloitte for accenture?

What are the things you like about Accenture?

P.S. I am excited to Join Accenture in 2 weeks. My first switch. ❤️

I do not prospect. I open accounts while slamming a revolving door.

How has working in this industry influenced your politics, if at all?

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

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?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

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.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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?

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.

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.

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

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??

Google stock to buy now or after the split?

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.

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

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?

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.

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...

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Paid off my account debt!