Does anyone have a good retirement planner? My spouse has a pension, I save a good amount (2x 401k max contribution) but have no idea if I’m doing enough. Idk why it actually stresses me out so figured I should hire someone to help

like
Posting as :
works at
You are currently posting as works at

Others may disagree but I think you and your spouse alone are capable of sorting out your retirement plans. There are a few good (in my opinion) books you can both read that will give you a basic blueprint for what to do. I don’t think it’s necessary for you to hire someone since that will cost you both in the long run. Check out “The Simple Path to Wealth” by JL Collins, and “I Will Teach You To Be Rich” by Ramit Sethi. Both books are great and simple to follow for how to set your financial plans. The fact that you’re contributing to a 401k is good (even if 401ks themselves are not the best - or so I’ve heard), as is your wife having a pension. Good luck!

like

Simple Path to Wealth is a great book

like

Joel Smit at Northwestern Mutual is awesome. He’s located in Chicago but takes clients in other states too.

like

Agree! He’s a great guy!

I have used a planner from Northwestern Mutual for nearly 20 years.

Where does your spouse work? I want a pension.

Public service. Great benefits hours and pension haha. And no 7 years of school. I’m jealous to say the least

like

Related Posts

hey folks, I am going to join Oracle ossi in Hyderabad location. I have never been to Hyderabad, and will be relocating. Please guide on what would be good areas to look for rent. Also, what would be rent like for 2/3 bhk. Ideally my budget for rent would be <25k. Initially I will be going but in future my family will join me once I am settled. Any points to note or any other gotcha to keep in mind ? Please suggest.

like

Hi Fishes,
I have the following offers: Role is for C++ development.
I have 5.4 years of experience in C++.
Bosch : 22(fixed) + 3(var) LPA, specialist
Axiscades: 26 +1 LPA all fixed, senior engineer
Persistent systems: 27 LPA all fixed , software engineer

Which is the best place to be in, in terms of wlb , company culture, benefits etc?

Thanks.

Thinking about having my wife stay home w/ kids. Her job pays 100% of our health benefits today. Curious, are there options for group health insurance through like alumni or other associations? Cont

like

I hit my FIRE number today at 50yo!!!! Had to tell somebody.

likeuplifting

I'm a 35 year old Officer in Indian Navy with 14+ years of experience(good job security). I'm planning to switch to corporate world due to mundane job profile. I've developed many niche software for Navy and am good with Python, Java, JSP, SQL. For perspective - TCS quoted 20 cr for similar s/w that I've singularly designed & developed. Plz help me make a decision-
Quit Navy and lookout for a job right away or Stay in the current role for another 7 yrs(will be 42 by then) for pension eligibility

like

Does Amazon have a Mobile phone cost reimbursement policy?

like

Hi there! I’m a newbie to fish bowl 🙂 so I’ve been approached for a management position at my current hospital that I’ve been at for about 3 yr. I’m currently in a coordinator position with my MSA (specialized in healthcare admin). This will be my first opportunity at an actual management role. I’m excited for it and also nervous. I know it shouldn’t be this way - but I know that my current boss is going to L O S E I T when I approach her about this. Advice?

like

Hi!! Can a company deny you short term disability benefits if you get approved for fmla. So basically you’re on unpaid leave but the std benefits of payment don’t go through

like

looking into rolling old 401k into a Roth IRA. I just graduated from MBA and therefore have only worked a few months in 2022. Am I correct in thinking that the taxes I pay will be lower than if I did this in any other year where I worked the full year? Any other drawbacks or things to think about?

like

I’ve seen a couple posts lately with comments saying that people should not use a Roth 401k. Does the logic below capture the spirit of that concept?
1. Use trad. 401k to reduce taxable income now. Convert to trad. IRA once retired, then convert gradually to Roth IRA (ladder, SEPP, etc.) at lowest marginal tax rate
2. Use Roth IRA (and/or backdoor Roth) to take advantage of tax free growth and ability to withdraw principal early without penalty

like
like

What short-term trades are you making through the rest of the year (close position by 12/31)?

No offense, just really curious - why does obtaining an MBA make you a more attractive applicant? For which roles is an MBA critical for? Especially if you went business school for your undergrad. Won’t the courses regurgitate the same ideas taught in undergrad? This question does not apply to tuition reimbursement opptys (I would take advantage) or for people who have studied any other field but business for undergrad

like

Anyone from Citiustech Healthcare Technologies CitiusTech

Is salary credited?
I have icici salary account, but salary hasn't come yet.
When will it come???

Is it possible to work 1-2 years as a junior associate at a super boutique doing a combination of fraud/abuse and transactional work in the healthcare space and then lateral to biglaw to practice securities law? I’m happy doing health law, but it’s not what I want to do long term and I worry the longer I stay in that space, the harder it will be switch to the kind of law I truly want to build a career in.

like

What is your agency’s maternity or paternity leave policy?

like

Has anyone been able to start their own consulting biz on the side? I am a PM with 9 YOE/MBA/PMP and a Big 4 consulting background in the healthcare space. Did a lot of systems implementation, integration, training, adoption in the past. Appreciate all input :)

like

It's more like 25% of your highest paying year but there are many variables. But there are more wealth accumulation vehicles besides the pension. Plus health care.

like

My husband and I worked together at the same company for a year in different departments and they laid off 25 employees last week. My husband was one of them. 💔
It was dealt with poorly and severance benefits were bad compared to other companies we are seeing in the media. I’m really struggling to move forward and heal. The priority is for me to support him finding a new job but I just feel sick giving my time and energy to this company when they did this to us. any advice for strength😔

like

How do you calculate what tax bracket you will be at when you retire? Keep reading choose the option based of what tax bracket you will be at retirement but I literally have no clue

like

More Posts

Anyone know why cannabis stocks are jumping so much today?

like

Anyone in the DMV area and interested in joining a young RE investors club?

like

i recently got promoted to Claims Supervisor position in my company and i was really excited to see how i can handle the responsibility but, while i got the postion and salary i am still doing the job of a claims officer. i tried to talk to my manager about this but he implied that there is no need for supervisor position and i have to wait until my seniors got promoted, should i ask for transfer to another branch?

like

24F in Hong Kong, Filipino, 163 cm, looking for an M to chat with and we'll see where this leads to :)

like

Hello IBM folks,
Can someone share the recent trends in GDP and PA distribution for the previous year?

Is it still 10-20% of the eligible bracket? OR it has improved from the past ?

2nd year thinking about making a move into a compliance role at a large public company. Concerned about two things: 1) is it too early to go in house given that I’m 3 months away from 3rd year and 2) is compliance a dead end within in house roles?

like

Does anyone know what is the job profile of ML annotation analyst at jp Morgan?

I have a partner who treats me poorly, ridiculing my intellect and being aggressive. At what point can I stand up for myself? The treatment is really hurting my self esteem.

like

I’ve worked as assistant manager for years, but it doesn’t look like I’ll be getting a promotion anytime soon. I feel bad leaving since I'm kind of the glue around here and I’ve gotten to know pretty much everyone. Any advice?

like

Seeking advisement on HELOC…..
Currently married with one child. Own two condos in the state of Hawaii. We moved in with my in laws to get some help with our 2 yr old during Covid. I owe about $150k (market value $530k) on property one and owe $490k (market value $790k) on property two. My wife and I both work and have a combined gross income of $370k/yr. With about $120k in liquid cash, should we try pay off prop one and get a heloc for a SFH?

like

Whats A&M TT/M&A Tax group culture? Do they have a Washington national tax group? For those in FDD that have B4 experience at A&M how do compare you tax colleagues at A&M vs B4?

like

Does it actually make you more competitive as an applicant to have multiple bar admissions in surrounding states? Wondering if it’s worth waiving into other jurisdictions.

like

New to the bowl I don't know what to do anymore 😭 I've only been teaching 2 years but I don't think I can do this, I cry almost every day after school in my car and I know my students deserve better than this. I just don't know where to go job wise if I stop?? Where do teachers work after they stop teaching, or do I need to go back to school?

like

For those of you taking Nutrafol, do you also add in collagen supplements to your routine or has the Nutrafol been helpful in itself? Thanks!

like

2020 goals: passive income and a man 😭🤣

likefunnyupliftinghelpful

ZS 🐠: I gave the wrong solution in the structured case. But was able to give the right solution after the interviewer redirected me. I guess that signals coach-ability 😅. Do I still have a chance for an offer if the behavioral and unstructured case went well?

like

I’m not old BUT when I was younger I thought it was important to have all the alphabets after my name (I.e. Phr, SHRM and all the others). I learning that the younger crowd coming into the market thrives off these identifiers yet they know very little about the real world aspects of the job. I watch leadership roll their eyes at the email footers. I feel like keeping those attached to my name hurts my credibility so I removed them…. I’m I thinking wrong?

like

Hi all
Please share what is the average ctc of a Cloud Engineer, Application Development with Google.
Does it involve some R&D and development also?

like

Additional Posts in Law

Plaintiffs counsel took my clients deposition today. He mentioned that he would likely be ordering the transcripts and I suggested we split the cost of them (in front of court reporter). He got pretty defensive and said absolutely not, it’s unfair to the court reporter, and that it is frowned upon in the industry to do that. Each party orders (and pays for) their own copy. I’m in my 2nd year of practice, never heard such a thing. I’ve actually split the cost before! Curious for insight on this…

likefunny

How many hours did everyone hit in their first year, your practice group, and requirement if any?

like

Trial in 1 month! Best things to snack on during lunch break?

like

Advice and/or words of wisdom for someone who overanalyzes the tone of emails?

like

Average time between interview and offer? If long (over a month), should you assume the opportunity is dead in the water?

like

Are there good exit opportunities for doing plaintiffs commercial lit and healthcare transactions? My end goal is in house

like

My company forces all employees to submit an email every day with an hour by hour summary of what they did. Any other companies other than firms doing something like this?

likesmartfunny

Is there a market for lawyers to add expertise In crisis management or reputation management? My goal is to counsel clients on how to respond to media inquiries without saying or posting something detrimental to a potential litigation while still maintaining communication with their client base. If so, how to break into that industry? Courses? Books? Certifications?

like

2019 is to David Boies as 2017 is to Louis CK

likefunny

I took adderall while I was studying for the bar and it really helped. I don’t have a prescription but am wondering if this likely means I have undiagnosed ADHD but don’t know how to bring this up to my doctor. I definitely have trouble focusing in general and have always been pretty dozey/aloof but have somehow gotten by and am now a third year associate who is doing okay without it. Do you think getting Aderall could help even though I’m doing fine? Maybe I’ll go from good associate to great

like

What would be Jerry West's best cause of action against HBO/Mckay for their negative portrayal of Mr. West in the fictional "Winning Time" series? (He is unlikely to prevail on a defamation claim, right?)

like

How does hourly contract lawyering work? I’m on a contract through a recruiting firm before the company hires me directly. My pay is hourly but I get time and a half for over time. I’m currently a policy atty for a think tank and did prosecution before that so I’ve never “billed.” I regularly check and respond to emails on my phone in the evening after work. Do I include that on my timesheet??

like

Here to restate the understated truth of our profession..

Post Photo
likesmartuplifting

I hear a lot about people saying they'd like to go into banking. But most of the time it seems like they really mean PE, which seems like a long shot to me

like

Is there any PR issues incorporating/organizing a law firm in DE? If the principal place of business may be elsewhere? Attroneys are licensed in all states that they will practice in. No attroneys are licensed in DE.

like

Would poor law school grades disqualify me from NYU’s tax LLM program (firm will pay for it).

likehelpful

How does on lateral into big law? Is it worth it?

like

Anyone know what’s the deal with Polsinelli? Just trying to figure out whether they’re the right fit for me. I’m currently in a boutique IP firm. I work pretty hard but it’s obviously not Big Law.

like

For the litigators...do your state courts use electronic filing similar to ECF or do only some counties/parishes use electronic while others are stuck in the olden times. If not, what do you think the refusal to adapt comes from?

like

First time interviewing for a law firm position as I’ve only clerked so far. What is the timeline for offers after the callback? Big law, in particular, but any other size, too.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal