Does anyone have the motley fool stock advising subscription? Thoughts/reviews?

Hows the work life balance in KPMG?

Hi All,
Really need some input. We have our new construction done by April 2023. Builder is giving us 28,000 credits which can be used towards closing cost and buy lock rate for 6 months from now and giving us the interest rate for 6.75% for 30 years from US bank. But I also spoke to credit union they give us 5 ARM for 5.5% but can lock rate in feb 2023. So should go with the US bank with 6.75% plus incentives or wait till feb 2023 and thn lock rates(us bank doesn’t give us ARM rates).

I’m trying to pivot into product or project management after 5 YOE as a systems engineer and a Masters Degree in Technical Management. Besides for product and project manager, what other job titles have similar responsibilities?

11 likes please

I was today years old when I discovered that Shift + Tab is the anti Tab or not sure what to even call it 🫣

Restaurant recommendation for Miami ?
Team dinner so looking for something with good drinks and food 🥘

I was judged for having a “small” iPhone 8. Why do you care what kind of phone I have?!

Is someone willing to speak with me about slalom austin? Org structure goals, culture etc. ?

I’m so done with sales. I’m burnt out and uninspired with my job. The pay is nice, but I need something more fulfilling and less stressful. I want to be able to keep working while I figure out my “why” but I don’t want to rip my hair out in the process. *7 YOE, 6 mid market, 1 enterprise* Any ideas for an easy transition job away from sales that isn’t a giant pay cut?

Is there a retirement requirement for partners? Curious when partners usually retire

Had to pull an all nighter and am convinced I will not make it through this day. Prayers are greatly appreciated.

Anyone else see the naked lady in the wheel chair at the clark/lake blue line stop this morning? Security doing nothing.

Executive MBA. Booth or Kellogg?

Worth it at ~32?

Does anyone know the entry level salary for Project Manager at Epic Systems? Its located in Wisconsin. Thank you!

Hello guys I am content writer and I create copy's too . I have been working as a freelancer and have been earning some decent amount from day to day, but I want to be associated with a company or so and work for them. Meanwhile I don't have any diploma courses on copywriting or so. Where can I go any recommendations?

What’s your allocation between BTC/ETH/other coins? I’m heavily in on alt coins (some big, some mid and some small cap). Curious what people think.

I tried the cost of living calc on nerdwallet and according to that my pre-tax take home of $180k in NJ is equivalent to $380k in Manhattan. If I’m looking at a Director role in the $220-$280 range base, am I taking $100k cut or is the calculator off?

Tiger Analytics has started firing their new joineers(freshers) as they don't have adequate projects. I don't know where the freshers will go as they haven't done any project as such.

This is just pathetic from organization. They are just firing people owing to failing a test of certification, for which other company gives 3 trials but they are giving only one try with negative markings

So let’s say I meet my FIRE number but all my money is in retirement accounts....how do I retire early? By early I mean like late 30s early 40s. Wouldn’t I pay a penalty?

How much do you save / invest each month?

Recent grad, recently maxxed out my Roth IRA. My employer matches first $2,000 100% for 401K and 50% match on the next $1,000. Recently hit that $3,000, my company offers a super Roth strategy (mega backdoor Roth), with the ability to automatically convert each contribution to said Roth. Any suggestions would be much appreciated on whether I should begin with this strategy, or max out the unmatched portion of my 401K first? (Ideally I’d hope to do both) Thanks?

Stay.the.course. Easy to say, hard to do. Here is one legendary Bogelhead post from banking meltdown 14 years ago. Worth a read and very instructive….adding link in comments

Does anyone have one of those Infograph’s that show how to optimally allocate your savings? Something like 401k match > HSA > Roth etc (example, I’m not actually sure what the steps are).

I’m 23 and my assets include $49K cash, $15K in ROTH IRA (will max for CY) and $5K in 401K (20% contrib). Liab is $9K for car loan. No HSA option since I’ll be staying on parents insurance until 26 yrs old. What should I do with my cash on hand and any “extra” cash from my paychecks? Goal to buy either personal or investment property in 3-5 yrs to support my family. How do people reach hundreds of thousand by early 30s? The concept seems like a stretch to me.

I was so good about not spending my $$$ on unnecessary purchases. However due to depression I’ve been buying as a way of comfort. Anyone know how to stop this vicious cycle?

Personal finance book recommendations?

New to MBDR, topped off pretax 401k today and will get full company "match." Going forward I plan to do after tax contributions, does it make sense to change investment direction to money market to reduce the likelihood of nondeductible losses or taxable gains between dates of contribution and rollover?

I just got out of an abusive relationship and now my savings are halved because he took most of it. In addition, he used to control all our finances including investing and I don’t know where to start. Can someone please help? Do I put my money in a Roboadvisor or ETFs? Are they the same? I don’t have a risk appetite to play with whatever savings I have left. Thanks!

At what income level / net worth did you get a financial advisor? Never had one, thinking about looking into it.

Hey guys! New to FIRE and hoping to get some insight.

Anyone with a similar profile mind sharing what their goals are or if anyone has any insight how i should create a FIRE target/goal?

> 29yrs old
> Senior Consultant
> 4 YOE
> $90k BC
> $100K-110k savings / investments
> $45k student loan (pegged to inflation)
> no property

Who’s on their way to FAT FIRE?

Do people here consider having children and what it means for financial planning?

I find this bowl both inspiring and depressing as I’m at the lowest of lows in financial terms of my life. Ugh.

At what point would you suggest working with a financial manager to set up your investment goals & make sure you’re on the right track for early retirement? At a certain age? After you have a certain amount of $$?

(I already handle my own investments but I don’t know if it’s time to get professional eyes at my portfolio & discuss my goals)

I'm switching jobs and considering whether I want to roll over my 401(k). I have about $220k in my plan. Considering rolling it into an existing Fidelity IRA with a balance of about $50k. Since October of 2020, I've paid about $880 in "plan administrative fees" to my 401(k) provider as well as the fund expense ratios.

It looks like Fidelity does not charge administrative fees on IRA accounts, so that seems to make it a no brainer, plus the investment options are much broader.What am I missing?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

I make 70k CAD and want to get started on my FIRE journey. Any tips? I don’t have a lot of savings and I have only just started. Pretty scared seeing the housing prices 😢

Net worth was at -$280k @ age 25, hit $1m at 36, and today $2m at 39.