Does anyone have a financial advisor they recommend? So far I just throw everything extra into a mutual fund but I know this isn’t the smartest way. Looking for someone who can deal with the independence restrictions and help me make smarter decisions (or just do it for me)

529 prepaid tuition plan: Anyone here who has purchased this? Would be great to discuss pros and cons. I’m thinking about this using Illinois Bright Start 529.

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Anyone wondering what digitization and disruption of banking and lender relationships will look like? If at some point regulation allows customers to borrow directly from central banks, then will banks and buy side direct lending shops die out ?

so every single major dip the last 4 months have been magnified by the use of leverage. If btc drops “naturally” by 5%, but liquidations are in the billions (which they have been), then that 5% drop turns into 15%. Over leveraged apes are literally screwing it up for all of us more than just themselves. Frustrating but also somewhat positive news that onchain analytics, fundamentals, and general TA are still in play. We’ll see what happens because I don’t think these levered traders will stop

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 😂

Any realtor recs? Looking to buy in Seattle

Thoughts on the new Chase Freedom Flex?

friends I have 1-2 hours spare time with me,
I want to earn a little bit more say 100 rupees per day.

what should i do ?
any genuine leads are welcome, Kindly share.

Have CSR. Thinking of getting either the Bonvoy Brilliant Amex or Bonvoy Boundless Amex to use ONLY for my Bonvoy stays (I travel weekly). The 6x Bonvoy points per stay and the 3x CSR points per stay

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

At a high level, what is a better way to maximize returns?

File all 12 months in NY or
file a few months in PA and remaining months in NY (about 9)

I was in PA for a bit during the pandemic

Newbie Tax filing question, worked for a US employer Jan - July in NJ and then moved and worked for a Canadian employer Sept - Dec. Work permit holder in both countries at the time. What's the best way to file taxes in both countries? Has anyone done this before? Looking for guidance, gotchas, tax filing recommendations...

Has anyone used Amex Corporate Advantage program? If so, how soon did you get the $150 credit after you opened a personal credit card?

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?

Hi All, how much should I expect to pay for someone to do my taxes for me? (Ball park)
- fbar
- state
- Federal

Also I moved out from MA in February so not sure if I'd also still need to file in MA?

Received less salary this month also. (Same amount as last month)
Why is this happening? Too much tax 🥵

Are the AICPA life insurance plans better than the one offered by EY?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

Hi Fishes in the Bowls,
I need referral for Amazon, I am having 4.6 years' of experience in networking and systems.

Any ideas on which communications agencies would have a significant west coast presence and strong health departments? Everything seems focused on NYC, which I’m not interested in.

Hi All,
I'm Looking for a referral.
Experience - 1.4yr
Tech stack - AWS , CICD ,GIT, Bitbucket.
Please help.

Can anyone advise on some good ways of getting referrals for making job applications? I’m a current masters student, graduating in May 2022

Producers - what are you pros and cons with production co reps? What do you love/what do you wish they did differently?

Hi fishes, I'm currently serving notice period and one of my future offers is in background verification stage. They asked for my LWD but I'm currently negotiating with my current employer for early release. So does the LWD of my current employer i give in bgv lead to red flag? Because the actual date of relieving might be earlier than what i mentioned in bgv. (The difference might be just 15-20 days) Tata Consultancy Infosys Mindtree Capgemini Tech Mahindra

We have multiple Bizops and devops openings at Mastercard, let me know if you need referral.

Whats your favorite watch to wear when you know you’re about to spend a long time in the bathroom?

Mine is anything with a dive timer bezel so that I can play with it if I get bored

How often does anyone feel burned out? At what point does anyone say enough of this shit after feeling ignored by your company? Keep in mind that this is work at home.

hey all, I’m a (female) freelance producer/PM based in Amsterdam. I would really like to network with more female creatives in Europe in general… know of any existing groups? (Please no, why only women? Genuine replies only ☺️)

Would you break up with your girlfriend if she doesn’t want kids and you do.... this has been weighing on my mind a lot recently...

Anyone here attending that McKinsey Dublin event tomorrow evening?

How many people here got into consulting from university societies? Trying to broaden our reach but not sure if partnering with those actually gets the message out there..

Anyone got a critical skills employment permit recently? How long did it take?

What are the Top MBAs outside of M7 to land an MBB role?

What is an acceptable bonus range for a PE sales associate in the NYC metro area?

So many people live in NYC but still it feels like the loneliness place on the planet. Does anybody have positive stories from dating apps? How do you guys meet ppl in general?

Joe Biden is done. Do the Democrats seriously not have a single candidate they can run that can actually beat Trump?

Question! I just moved(transferred) to another team of my company and received new title, graphic & creative services. I was a senior graphic designer at the previous team. What do you think about my new title? I know that title is not a big thing but why I feel like my title is downgraded here… Good thing is my jobs here at my current team are what I really wanted to do. This is amazing. I love my new team and people here! Super healthy working environment! But just curious about the title.

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

What do you think are missing from the personal financial management apps such as emma, yolt, cleo

Hey folks - I have an inquiry on my credit for a gym membership I “failed to cancel”. I had previously left this gym as it closed during pandemic, and shifted to a new location. In doing so, I informed the gym I would be leaving. However, I recently checked my credit and saw that my membership had not been cancelled and had been sent to collections (prompting an inquiry and dropping my score).

Has anyone experienced this, and is aware of next steps to take here?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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 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 have a recommended tax person in Chicago?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

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??

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 :)

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Can someone help me understand how backdoor Roth works in my situation?

I contribute the $19.5K max to a 401K each year. Would backdoor Roth be (A) the ability to roll $6K of that $19.5K into a Roth? or (B) an incremental $6K that I could contribute to a separate IRA then backdoor into a Roth?

Asked another way, does backdoor Roth allow me to actually contribute $25.5K each year, or does it just allow $6K of my $19.5K contribution to build in a Roth?

Thanks!

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?

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?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

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

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*