Fidelity Target Date Fund or VTI/VOO for retirement fund? I’m 15 to 25 years away depending on when i make the choice to retire. Fidelity were convincing me to stick to target date but think VTI/VOO would be better option. Thoughts?

Can (Should) we all as employees decide that we don't want to get back to offices 5 days as week post this COVID19 fiasco is done and dusted.?

What's the point? If we are able to deliver results, work and progress from home, then why do we need to be shackled back into the monolithic corporate systemic enslavement?

Maybe stick with 1 or 2 days of office for Important F2F meeting, with rest WFH?

Moving to the area for work and was wondering if I live off of the San Bernardino metrolink line, when I bring the train in to Union Station and then transfer to the LA metro system, will I end up ...

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Hi fishes,
My LWD is 18th July and I chose vendor pickup for my assets(expected pickup is 10th July).
Is there any limitation or chances of facing issues on Not having laptop with me(for other exit clearances).
Also it would be great if someone can give guidance on exit clearances as I'm worried that I will miss out something.
TIA.

I’m looking for some new things to read or listen to — doesn’t need to be ad-related. Books, podcasts, whaddya got?
I’m not really into fiction, but open to anything. Last books I enjoyed were Junior and Moonwalking with Einstein, last podcast I binged was Startup (Gimlet).

Traveling to Italy for 1 week. Is it better to get the int'l data plan or get a SIM card when I get there?

What is the best answer to “Do I look fat in this?”

Been in the strat game for over a decade; I’ve realized that a strong department with clear process that is built on end to end problem solving (with time to think) is when I’m happiest vs this award show / case study grind. What are some agencies you all work or have worked at, that value strategy as a department and not a creative case study farm? Looking to figure out what’s next.

I’m a biomedical equipment technician how much do Michigan pays

Are there State/federal (or other laws) that govern the closure of a store? The entity owns other stores and will not be dissolving. Just shutting down one of its stores.

Just discovered a public slack channel (that very much should have been private) that a few women at my work have been using to bitch about the co-workers they don’t like. There’s a lot of very mean posts about several of the CDs, account people, producers etc. There’s quite a few hateful posts about me and my partner too 🙈 should I tell them?

Curious...what did you find to be the most challenging part of bootcamp?

Has anyone made the jump to work as a
fund accountant? Need some info (is
there a busy season, what are the hours
like, workload?) any info would be
greatly appreciated. Thank you

Hi fishes! How is the bench looking at the moment at EY financial services? Recently got an offer from EY and a bit conscious given the overall economic climate in the UK

Arby's or Taco Bell? I'm struggling to choose and I'm getting hungry

Can someone help me to understand the difference b/w categories and topics as they relate to knowledge?

What are the best defense company vacation and healthcare policies?

Any established or startup fintechs looking for a senior lead,/head of talent acquisition? I have several years of experience scaling up startup environments and building capacity along with instituting process improvements and efficiencies. Happy to chat. I'm based in Bangalore but open to move for the right role.

Vtsax vs fxaix?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Does anyone use yieldstreet or crowdstreet for real estate investment?

FIRE - What is your total net worth so far? What's your profile?

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.

What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Received a letter from Wells Fargo today. They are offering a refinance of fixed 30 year mortgage at 3.5%. I have no idea how they can do this judging by today’s interest rates. Currently my interest rate is at 4.5%. Judging by Wells Fargo sketchy history, I don’t trust it, however has anyone else gotten this offer?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Sooo AMC.. who’s in?

😂

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Are we on recession? My portfolio is super down - low cost ETF investor here