ELI5: back door Roth and mega back door Roth. What are they, who do they benefit, how to realize?

Amex Platinum or Chase Sapphire?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

If I have a six year old and 150k in a 529, can I say I’m done?

What’s better the S&P or a total stock market index fund?

Has anyone thought about retiring right now? How much would it take you realistically to feel financially secure enough to do it? Age 55 and ready to be done.

Should I do the IPG employee stock plan? Anyone else do this? Don’t even know if it’s a good stock or not

So Becker was supposed to charge me $600 to update for unlimited access since my account was due to expire in March. I called them in December to make payment. Now 8months later...they reach out to me saying they only charged $35. I just checked my bank statement and they are right but i don't have $600 sitting around...What do i do? Thoughts?

FYI Amex offer for Allen Edmonds. Spend $300 get $90

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

Made my first few options trades.

first lesson I learned- take profits ASAP! calls went from +100% to -20%.

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

How much are your biweekly paychecks after taxes, insurance, 401k contributions, etc. and how much of each paycheck do you tuck into savings?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Who bought some Bitcoin on Black Friday?

Hi Fishes,

My wife is getting transferred to California from India and she is offered 143k.

How much she can get after tax deduction and all? How much she can save after all the expenses?

She is insisting that I travel with her and get the job in the US. I'm a software developer having 4.1 YOE. How much can I get in the US? Is it worth traveling with her?

Any information would be helpful, Thanks in advance...

Does anyone think there is long-term viability in Cryptos?

Any idea why Sap labs will provide delayed joining? After a month time frame.

Please explain if we get internet reimbursement outside the CTC?? Not the tax exemption part . I have heard we get 1200 per month for internet . Is it true ?

If we have to undergo a surgery for a treatment, does SAP cover the cost for that?

I am looking for Two BHK Apartment non functional/semi furnished/full furnished

in around 10km radius of phoenix mall

Any direct lead/Owner available please do let me know

Hi fishes,
Anyone from Fujitsu please comment or dm i need some help

Are there any product people who work for Slalom in this bowl? I’ve heard good things about how they handle work/life balance. Wondering if the hype is real?

Question about inclusion…. I’ve been teaching inclusion for 5 years so I’m still a newb, but a first year coworker of mine said she got points off on her observation because her kids were scattered in the classroom and she was having to move from kid to kid to assist. While I see the point of putting them together for convenience, I don’t agree with this at all! To me this is like singling them out by putting them all together instead of INCLUDED amongst peers. What do y’all think?

Do you think all these violent and hate filled attacks are because people aren't getting the emotional/mental support they need, whether it's therapy at any age or help they needed but didn't get from a social worker as a child? My coworker is sure this is the case, but I honestly think there's actually something deeper wrong either with how these people are being raised as children, or how the warning signs these people give off are ignored or swept under the rug to save face.

Best company for data analytics projects? Advanced shit - stat models, not dashboarding/visualization

What is a simple way to explain to my boyfriend that investing in equity with an expected return of 10% is better than paying off debt that is growing at a rate of 6%. He has student loans and is adamant that he wants to pay all of them off immediately before saving any retirement money. I understand that many individuals use this strategy but I think investing in index funds for the long haul is better from a wealth accumulation perspective, without even factoring in tax implications of 401k

Is anyone else feeling like they are literally being asked to perform impossible miracles? It’s just like, people seem to think I’m hoarding Creatives…it’s getting very frustrating.

Salary - What is the salary of Operations Managers in Hyderabad

How much Salary is getting for a digital advisor in Microsoft India

Any designers working at IDEO? What’s the work-life balance like? Always been interested in the work but wonder what working there actually is like.

Anyone working in product experimentation or innovation lab within a medium/ large scale tech firm?

I will be joining Nokia in third week of Jan. What will be the yearly bonus cycle for FY 2022-23? Will I be eligible for yearly bonus if I join in Jan (on pro-rata basis)

This might be the wrong place to ask but is getting a car worth it?

I think it’ll somewhat improve QOL but with parking, insurance, gas and financing costs I’m not sure spending almost 1K/month is a good idea at 22.

The other problem is that used cars are so damn expensive right now so I can’t just buy a used mx5 for 5-10K

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

How much do you keep in the bank vs brokerage?

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

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!

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

Any thoughts on the ETF, OGIG (O’Shares Global Internet Giants)?

It is from Kevin O’Leary’s fund.

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Looking for some software or tools recommendations for
1. Plan for retirement- I am looking to do the following calculations : calculate total corpus required at retirement based on inflation lifestyle etc. , calculate total amount my investments will grow at retirement age ( 401 k , savings etc, ). These two figures should give me an idea where the additional amount i need to invest.

Any recommendations?

Best provider for good rates on used car loan?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

Been looking forward to the stock market to come back to earth for a long time. What should I buy

Thoughts on SoFi bank?

what upgrades are worth buying on townhouse or SF home. planning to live there for 4-5 yrs and later move into bigger house. will rent or sale this property at that time. house is in MD.