Due to my stupidity + an expired CD from grandparents, I have over 140k in savings in a MCOL city. No debt. Maxed out roth IRA. Plan to max out roth 401k again. My new employer doesn't have an HSA.

My situation will change very soon:
- 30% higher salary
- Rent payments (lived w/parents up to now)
- Payments for ring + tiny wedding
- Future spouse is recruiting but currently unemployed (I'll pay her insurance)

Savings are way too much but unsure what's next. Any tax advantaged accounts left?

Why you should stay invested : asset inflation, then normal inflation, low rates forever, trillions in additional stimulus, dollar destruction (on purpose), coronavirus pushed tech ahead a year or two in adoption. STONKS ONLY GO UP!

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Have about 5k to invest - should I do FXAIX or FSKAX?

Anyone have confessions about Kaiser Permanente? Looking to apply for a position there, and looking for a way out of my current healthcare position that's run by a corporation. So nervous about going into other large companies but wanted to see if anyone has some insider pros/cons I should consider

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

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

Hello, I’m currently looking for a non clinical position in the Charlotte area, more in the public health field. Does anyone have any referrals or info on any jobs?

Anyone trade stocks on the side? Not at a day trading level, but not buy-and-hold either...more like aim to hold 5-10 stocks at a time for 1-2 months and earn a decent short-term profit (10-15%).

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

Building im applying to has a $1,000 move in deposit. Are these usually refunded? The agent is checking with management but they are being super slow to answer. I want to move quick on this so I don’t lose the apartment

Living in NJ and may be able to choose NYC as my home office. People who live in NJ can choose NJ / NYC office, which one did you choose?

NJ office: no NYC tax, don't have to file 2 state return. Live in NJ so auto assigned to NJ office currently.

NYC office: NYC tax on paycheck, easier commute, possibly higher pay?

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Hello folks, any credit card suggestions with good benefits and cash-back? Please advise. TIA

Why do firms not use vested stock options as incentive in earlier stages of career?

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?

What is the present value of a government pension? How does one calculate it? Trying to get a sense of weather it's worth moving over to Federal.

Is there a demand for privacy professionals? Been seeing this discussed more and more recently

Switching from .net to Java is good or bad after having 7 years of experience in .net?

Would you consider being an entrepreneur? Why do some people want to be entrepreneurs and some don’t?

Would it be hard to get a exp associate role in advisory at a B4 as someone with about 10 months in audit at EY, 7 months experience in corporate accounting at a F300 and CPA? Hated my time at the F300 but had thought the grass would be greener in industry. I’m starting a financial analyst position at a major hospital system in my area soon and want to stick with that for a couple years before making a transition but was curious if I just don’t have the right experience for a role in advisory.

Sr3 IT strat in Chicago, what’s the comp like?

Is anyone interested in subleasing a 2bd/br apartment (unfurnished) in South Austin May-August? It’s right next to Lady bird lake, pet/handicap friendly. $1903 a month.

Anyone recently filed a I539 application and how long it took to approve?

Getting 2110€/net a month in NL for working as a technician… assembling and testing. I have rotating shifts also. Do you think it’s okay?

I’m taking the CFP exam Nov 8th. All tips/tricks welcomed !!

Thank you so much.

Alright everyone — I’ve put out posts about initiating a happy hour for everyone in this bowl. It’s time and I will give it a shot.

Monday 1/14 @ BARO (34W 32nd St.) in Ktown NYC.

Working with an European hedge fund based in Asia investing in emerging markets. What are the chances of relocating to states? Internal relocation is not an option

Does your company have a Asian professional group? Since we are still in covid mode. What are you doing for the professional development classes / events. So we have done, Ask the recruiter, fireside chats w executive mgmt, events w Naaap and ascend. With everyone still working from home ppl are not engaged and it is harder for networking.
Let me know what other thing ppl are doing to drive engagement ?

Any thoughts on living in the area around Madison and Morgan? Looking at an apartment there. That area seems pretty cool and not far from the heart of Fulton. Wanted to get other peoples opinions before moving forward with this place

How to deal with parents that want to know everything but you don’t want to tell them everything because you want to loose your job?

How much of a nest egg would you expect a couple to collectively need in order to retire at 40 and live relatively comfortable (not lavish)?

I'm a younger plaintiff's side attorney (31). Does anyone else feel like white attorneys give you a particularly harder time? Like unreasonably denying clear facts, or trying to fish for a way to sanction you? Usually it's solo defense attorneys that get extreme with it, but I've seen some questionable stuff from BigLaw too. Hopefully I'm not the only one.

Does anyone in this group have ADHD? Are you finding that working in a law firm setting and billing hours is just not something they can do or is it possible with the proper medication and therapy?

I don’t cut my hours, I consistently reach 7 hours a day, but it’s not enough to meet my firm’s minimum requirement. I’m usually working 9 hours/day.

Today is the first day of the new work week! What are your goals for this week?

What is your ratio of Net Worth / Annual Income? What's your age?

Would prefer if folks don't share their gross net worth or income #s as this is more about how have folks been doing given the resources they have.

Any good apps or websites to track your net worth across all accounts (investing, banking, retirement, house) without sharing your information?

Getting about $2200 back from Federal and $1300 back from NY State. Claimed 2 for both last year and having 2nd kid this year. Should I bump to 3 or keep as is?

Any any one here created irrevocable trust? If so what are the annual expenses of maintaining the trust? How hard is IRS paper work

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

My wife reads nearly an entire book per day just in her spare time after work, no exaggeration. I’m amazed by her and wondering what ideas are out there to monetize her skill? Book editing maybe?

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

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

What's the best airline stock to get into before the possible travel rebound next year? Do you also get in now or Q1/Q2?

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

Mint users: why are my linked accounts broken every time I log into mint? Every one, every time

Fav intl ETFs?

What's with companies charging full fees for diminished benefits? I'm a bit annoyed about being charged in full for my Marriott card annual fee and Amazon Prime mebership

SBE, ABB, or BLNK for the best bet in the charging station space?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.

What is the benefit of investing in mutual funds such as VTSAX over a similar ETF other than reoccurring investments that allow you to set it and forget it? Is that why people choose them?

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

This is a post to reach out to Indian professionals working in US. How do you feel about investments in India vs Investments in the United States, all inclusive - real estates and stocks ETFs
TIA