Do you have a UTMA/UGMA account in addition to a 529? How can I make sure my kid still qualifies for *some* scholarships? (Want them to have some skin in the game..)

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

do we need to disclose etfs/index fund investments in GIS?

Looking into credit card, most likely between emirates nbd Bonvoy card or the Emirates offering. Anything better out there? What has been your experience. My understanding is you can convert the emirates points to Bonvoy? Not sure if the same works Bonvoy —> emirates.

Should I transition to a tech sales job? Thoughts on risk vs reward? I am 34 yo, married with a baby incoming. I work at Google Cloud in solutions engineering (I help develop quantitative business cases with sales teams for customers). My cash base + bonus is $220k (going to ignore equity). I have an MBA from the University of Chicago, not that it matters much in sales. I have always been in a consulting role but I think I can make more in sales. I have a competitive personality and I am bored.

How does one get into trading from positions elsewhere in the bank? What would impress you most about candidates attempting to do so?

does anyone use simplefx for crypto? Do you like it ?

Qualified Dividends: I’m expecting $650-$750 qualified dividend in 2021. Salary and base about $250 total. Questions: what tax rate will the qualified dividend be taxed at? The 15% or 20%? Also, since it’s technically a long term gain, do I have to pay an state and local on the income? Been reading for a bit and I can’t seem to find a clear answer. Thanks fishies!

Hello, my husband wants me to go india and bring his mother who is old and sick to the states. She has the proper visa to travel here and we are Citizens. Please confirm if the current laws will allow this.

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

I’m currently an LLC and looking to assemble an equity deal with an advisor. I don’t know how to set it up with him where he gets his equity in the future when we restructure the entity to a c/s Corp and give out his shares. It doesn’t make sense for us to switch now and get double taxed when we haven’t lifted off the ground. This is pre launch. Any advice?

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Does anyone else think we should start investing in more light rail systems to cover some of the distribution problems we're having? I think it might be a good idea. Anyone have any thoughts about this?

Fellow EY Fishes - is anyone here have the investments in other countries (specially India). I got the independence email telling me I need to get rid of my mutual fund investments and I am not ready to do so. What are the options that I would have .. any guidance is appreciated. TIA

My mother in law is dying of cancer but is also a toxic person. My husband has mixed feelings around letting her dump all of her emotions that should be handled with a therapist on him. Beyond this,

Which consulting firm has the best 401k match?

How much money do you keep in your savings account?

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

I’ve been offered a role in S&C (Data Engineer) Consultant level w 65K base. How does this compare to the expected Consultant range?

How have you combated your fear of rejection? I fixate on such small things as when my friends, for example, reject plans I have made. This definitely makes me more averse to putting myself out there and makes me ruminate on past perceived failures, which are clearly not good for personal growth

Do you tell your boss you’re going through a breakup? I’m phoning it in and obviously going to be camera off for awhile.

Anyone here who moved from India to Singapore in a VC/PE firm or FANG (business roles) in the last year with new EP issued (not an internal transfer)?

What questions should you ask during a phone screening with a recruiter?

How much parental leave does your company offer to employees? Please include location, size of company and type of business. We are a SaaS company in NYC with 60 employees. We give 16 weeks paid for “primary caregivers “ and 6 weeks for “secondary “ caregivers. I want to advocate for everyone to get at least 12 weeks.

What’s going on with the lack of Associate Account Exec/Junior associate positions at agencies?

Anybody know salary range for VP Operations for GS in SLC?

NFW- I just had a good laugh. Earlier today I was on a video conference call reviewing a Private Label Agreement template with a larger company who wishes to brand label products we develop and manufacture. We came to a very one-sided provision and my sales VP stated “for this one, how can we just say ‘hell no’ ...nicely?” The other person on the call said we can replace the wording with just NFW (no f@$* way) and I said “I will have to add that to the defined terms section so it’s clear”

Why every employee in Morgan Stanley wants to leave the organization after 1-2 years who had joined recently. Please reply seriously guys I am planning to join this company as my next.

What are the bgv docs required in cgi?

Hello I'm new to fishbowl and also I'm a
recruiter in Seattle looking currently for
building engineers for Seattle, Denver and
Portland roles! Hopefully will meet some
through connections on here so if you
know anyone please send them my way!!

Anyone who works at Wells Fargo willing to connect?

LMAO Moelis juniors DO NOT get paid twice. Dude's hallucinating as a result of severe sleep deprivation at the sweatshop

Hi fishes,
from Rpa learning prospective which one is better. Coforge EY . please help me.I have joining on tuesday.

So I’m charging jobs due to unforeseen situations to another company as a assistant manager and I wanted to know is it unprofessional to turn down a job after you already accepted the offer to take another companies offer if the pay is better by $5000-?

I moved from being customer service at a call center to doing it remotely from home, and it's such a game changer. I just sit around in my pajamas, relaxed. Has anyone else switched to 100% remote work?

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)

I’m curious why more non-US citizens interested in FIRE don’t go live in a no/low tax jurisdiction even for a few years e.g. Dubai, some Caribbean islands. I get that some people will have family circumstances (e.g. elderly parents to look after) so it won’t be possible for them, but for a significant proportion it will be an option

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Anyone investing in index annuities? Can someone explain why this is beneficial?

Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Decided to payoff my mortgage.

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

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

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?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

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 😂

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