Do you FIRE people contribute to Roth 401K or Traditional 401K? 👀

I’ve been verbally offered a position at a new company, but the recruiter insists on getting a verbal acceptance before sending the offer in writing. This person insists on negotiating salary before sending the paperwork. Generic benefits, RSUs, bonus info have been provided; it’s all unofficial.

This is absurd. Am I missing some “new way” of doing things? Your take?

Hi Guys,
Need your advice. I have forgot to enter challan details while filing tax and then e-verified then it return with pay later option, though i had paid the income tax first first hand via pay now option.

Will i get outstanding demand plus need to pay penalty for late payment in this case?
Also when will i receive the outstanding payment notice if it happens?

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

What are some good modern/post-pandemic personal finance books you can recommend?

It always seemed like real estate was one of the safest things to invest in. Then the crash of ‘09 happened, and the market bounced back for a while. And now we’re in… whatever this is. It just seems surreal.

I have gains from stocks.. as LTCG. Do I need to file ITR 1 or ITR 2?

I don’t play with options much, but I happened to buy VERU calls for 2/19 a little while ago and now it’s skyrocketing, it’s up over $1k for me- will it keep going up? Should I just take the profits now and be happy?

Hi Fishes,

Does anyone have worked at Vivid Economics or know about the company? There's very limited information/reviews about it. I was wondering if anyone could give me some insights, eg. the culture, people, the benefits, etc. Much appreciated!

Anyone using Edward Jones? Feel like we did a mistake and rolled over all my husbands retirement accounts from different employers and our kids 529 under them Jan 2020. Since then market is down and accounts lost20%. But the fees every month is pretty high around $200. I am worried to move it to fidelity or some other place and manage myself(not very confident), then I have to sell all of the Edward Jones managed funds and buy new. sell low buy low makes sense but don’t want to loose anymore.

Does BofA give broadband reimbursement?

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

What are the best credit cards for travel points?

I feel like I'm going to get screweeeddd over with this upcoming housing market crash. I know we paid hundreds of thousands more than the house is worth 😭

Anyone else in ATL? We had the highest inflation increase of any city in the nation last year and COL is way up. My rent is now more than it was in DC. Anyone seeing COL adjustments? F20 not FAANG.

What are some of the things to keep in mind when leasing a new car? What are some add-on that can be negotiated on?

Please explain if we get internet reimbursement outside the CTC?? Not the tax exemption part . I have heard we get 1200 per month for internet . Is it true ?

Can someone help me understand (or point to a detailed resource) that highlights differences between IBM Infosphere, IGC, Information Server and Business Glossary?

Can i get released from project while being on notice period ?

Since housing is going crazy (atleast in FL) I am still thinking to buy or not. Or should I invest in REIT to gain some profit by riding the wave?

Everyone I needed final approvals from to get these expert retention agreements signed off has decided to ignore me on literally the day our disclosures are due.

How is Capgemini Mc Donald's project

Hi! Does anyone know anything about the company Rently? Remote? Great environment? I can’t find anything on here, Indeed, or Glassdoor. Thank you!

Hello TCS fishes, Are there any fixed days in a week like Monday and Wednesday for onboarding in TCS? Or people can onboard any days of the week.

How do you make time for reading in your schedule? Is it something you do in the early morning? On breaks? Before sleep? I can never seem to fit it in

Does anyone have a Getty easy access account they can share we me?

Does anyone else feel like Chicago has basically given up on masks? I try to take a walk every day to break up the wfh monotony and see masks on less than half of fellow pedestrians.

Has anyone used a lawyer to review their offer letter/contract?

“The shaft is not always welcome, but but hole always is.”

Do you get the feeling that there is a higher image promotion of women/minority people in Tech?I have seen way to many pictures from major tech companies that promote far more women/minorities than white males in their marketing materials.Wouldn't be better if we hired the best people no matter what the race/gender is?I know some companies are not publishing any gender/race stats but you cant't really demand a 50/50 ratio.Also there is no coincidence that most execs is some companies are British. So this goes both ways.

Guys need 10 likes to get started with, thanks a lot

I used to like Christmas carols. Retail fixed that for me. WHY do they start earlier every year?

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

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

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”

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

Do you count your car as part of your NW on Mint/other trackers?

This is gonna sound stupid, but I’m honest - I can’t do math. Calculating a tip is as advanced as I get. Thank god for excel formulas and a math savvy husband. At the end of the day, I pay all the bills (I know- but I’m more organized) and make double his salary, what low stress effort (on my limited math capacity brain) can I do to increase wealth?

I feel like I should be doing more with extra money to help us financially, but I’m scared of having to study stocks and understand the numbers. 😖

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

I'm a Canadian on the TN visa working in the US and planning on maxing my Roth IRA (6k) and will have enough left to max my 401k this year, but am not sure if I should just use a taxable account over 401k due to tax considerations when I move back to Canada (likely 1-2 years from now). Any thoughts here? I don't think I'll have enough RRSP room to move 401k>IRA>RRSP and I would prefer to not have to file US taxes every year in retirement for withdrawls if I left the 401k in the US.

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

Just watched office space again and realized it’s actually about the FIRE movement (without explicitly saying it)

I have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

Which is the best brokerage to get into Pre-IPO?

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 %?

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

Has anyone bought a commercial space and eventually rented it out that resulted in a positive cash flow? If so? In which city?
I’m on a visa in U.S and looking to potentially invest in commercial spaces rather than residential places.
Age:25
T.C: 102K