Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Hi Sharks
I am 25 years old with in hand salary of 1L(just from last month) and i want to buy a term insurance plan. My questions are:
1. Is it wise to take 2 plans of term insurance one with return of 60 years and another without return of 80 years of each 1cr.
2. Is it wise to include health riders in insurance plan to claim for 80d or just chose health insu
3. How much one can ideally shell out for insurance per month (both term and health) for self in terms of percentage of monthly income.

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

Safest wallets / exchanges for buying VET and safe moon? 😭

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

I don't know how some people do things that to me seem so risky. Maybe I'm just way too conservative.

A friend and spouse recently purchased a home twice the price of ours and took additional amount of loan on top "for paying off other debt." They make less than half what we make and owe three times as much in other stuff (car loans, cc, irs, etc). I'd be so stressed and likely wouldn't have taken such a loan (5.8%) for an even smaller home than ours. Just thinking about it stresses me out tbh.

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Can some of you experienced folk recommend some good books for rookies? What are your favorites for investment strategies, marketing, selling, etc.?

Tempted to buy 1 BTC ..

Those who moved nyc to nj- assm min change in rent, how much did you save on an avg cause of taxes etc.?

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

Looking for names of some effective financial/investment planners. Any suggestions? Plz give only the ones u hv worked with or experienced!

Conceptual question for any of you state compliance/SALT people out there, but is anyone familiar with Reg. Sec. 1.1502-12, separate taxable income? Some states require using this as...(continued)

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

If you follow the cryptocurrency market, or even have been just taking an interest lately, with the Bitcoin "halvening," you should check out Pi.

If you haven't heard of Pi, it's a new cryptocurrency (like Bitcoin), developed by a bunch of Stanford PhDs. What makes it really interesting is that you can still mine this coin, using just the processing power of your phone, unlike just about every other coin out there. (Contd)

Is there any way to get around the coinbase fee when buying crypto?

What price per sq foot to investors start buying in the north ATX home? My home is on the market and not moving. Trying to understand at what price point does it become attractive to investors

What is the best-kept secret among realtors?

Hi All. I moved to a new company , I just got my take home salary and my current pay is less that previous pay ,because of different state and other taxes. My new company is better but the pay is demotivating me . It is almost $500 less per biweekly pay check . What to do get out of the demotivation? I wouldn't have minded the same pay , but $1000 less /month is a lot !

How long does IBM HR take to get back after interview?

Does anyone do math stations in class? How often, what are the benefits you love, what are the drawbacks? I would love to try but am afraid of chaos.

Do you know what is the salary range for a Senior Manager II at Walmart Home Office?

Is the salary structure different for people working in "Infosys consulting" and regular Infosys.

What are the differences between these two entities.

What kind of background verification does deloitte do while onbarding a experienced candidate?

Hi guys, i am looking for an opportunity in PWC for the position of Document specialsit. Can anyone help me with the reference. I would be great help

I'm a crypto Twitter influencer, AMA

Are crypto IRA’s worth it or is it better to just open an account at Coinbase and invest that way?

Anyone work as a proofreader? Interested to hear experiences.

What’s a typical salary for a Director of Operations in the NYC area?

Platinum Elite here, do you all just ask if any upgrades are available or rely on the front desk agent to upgrade you? I feel like a d-bag asking.

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

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?

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

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

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Have 20k, what’s a good small business to start with this fund? Serious question here

Has anyone bought a commercial space and eventually rented it out that resulted in a positive cash flow? If so? In which city?
I’m on a visa in U.S and looking to potentially invest in commercial spaces rather than residential places.
Age:25
T.C: 102K

I have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

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

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

This is gonna sound stupid, but I’m honest - I can’t do math. Calculating a tip is as advanced as I get. Thank god for excel formulas and a math savvy husband. At the end of the day, I pay all the bills (I know- but I’m more organized) and make double his salary, what low stress effort (on my limited math capacity brain) can I do to increase wealth?

I feel like I should be doing more with extra money to help us financially, but I’m scared of having to study stocks and understand the numbers. 😖

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 %?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)