For those here who are better off than average, how did you build your wealth? I'm not looking for advice on building my own, just curious about what path other people took to get
to where they are today

37 / 13 years / 215K / PDX

Anyone use financial planners or wealth managers? Pros / cons / considerations / recommendation for one in NYC?

New client looking to switch from Simple to Safe Harbor 401k (needs safe harbor because owner makes 5x what employees make(dentist office )Does anyone know if there is a custodian who offers this?

Whats the max of monthly rent has anybody shown for HRA deduction 😅

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Anyone ever temporarily lower 401K contribution to increase bonus cash payout?

If my company is deducting tax on reimbursements for example relocation, flight travel, mobile usage, etc. Then how to show in tax filing? bcoz as per my understanding it should not be taxable as I am using my money and company is refunding and no extra income. It's like I have already paid once and while refunding company again deducting. Please guide on this issue.

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

been in us from last 5 yrs. didnt invest in 401k or any other finacial instruments in us. now coming to regret that. 401k maximized from this year. any reco for index funds, MF education sites

Anyone buying Btc or GBTC? Thinking about selling all. Any recommendations??

My ctc shows 10lpa + 20lac esops. But I'm not sure if I'll get this 20lac stocks for free or do i need to buy them by paying? Distribution is 4lac per year for 4 years. Pls explain.

Best way to transfer money from US bank account to Canadian bank account? Transferring offices to Canada and want to learn what is the best / most cost effective way to do this. Thanks!

Cross posted: Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

I’m looking for recommendations for a bench top bandsaw. I’m willing to invest in a nicer one down the line, but right now I want to keep it under $300. I mostly see Powertec, Shop Fox, or Wen. There is a $375 Grizzly I’d consider if it’s way better than the others. Any thoughts?

2 years out of undergrad and have a 758 credit score. Never missed a payment and was never late on one. How do I increase my available credit balance? It’s $10k on my card right now, I don’t need funds for anything, just would like to see it rise in case I ever do down the road.

I feel like I'm going to get screweeeddd over with this upcoming housing market crash. I know we paid hundreds of thousands more than the house is worth 😭

I have been charged with leading a PD on ESL strategies for content teachers in the new year. I'm still pretty new and the only ESL teacher at my school. Any tips, resources, ideas about what to include?

What US law firms tend to hire more LLMs?

Thoughts on Klick??? Very intrigued

From a UX Director... “Design is everything. You’re nothing without design.” Excuse me?

“The copy needs more modern slang young millennials can relate to. It isn’t jiggy enough right now."

I'll stick around for the bonus but want to make my side hustle my main career next year.
The side hustle is Scentsy...

Have 2.4 year of experience into fraud investigation. Current CTC 4.5 LPA and GS offered me 6.5LPA is that good enough?? And any suggestions before joining Goldman Sachs

I have my annual review next week. Starting my 7th year at the current job. 13+ years in the field. But my current company is a nonprofit. They are great. But annual raise has always been 2%. So as a tenured SLP, I feel quite underpaid. But I honestly don’t know what is fair - especially for the region (Midwest) and in my speciality (pediatric outpatient rehab). Does anyone have any advise?

Hi All,
Currently working in S&P Gloabl (Associate Software developer {Tableau})
I am looking for a job change.
I have +6 Month's of experience.
Skills :- Tableau, Python, SQL.

Still don't understand how they will ever be profitable:

Kunal Shah's Fintech unicorn CRED has raised $80 million of fresh capital as part of its Series F funding round from new & existing investors.

Valuation jumps by 60% to $6.5 billion.

Please help with 11 likes. Thank you

Hi Fishes.! I'm actively looking for an opportunity in Testing. Having 5 yop in the Industry. Looking forward for any referrals.

API Testing
Mobile Application Testing
Performance Testing

Anyone work at Guidehouse and know next year’s benefits? Have job offer but they won’t tell me if benefits will be the same for 2023.

is CPRE by IREB of any value or helpful

CFP thinking of taking a few month career break to search for a new position. Need a recharge and to reevaluate, not to mention time to search. Would this be a mistake? Thanks

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Best high yield savings products?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Thoughts on personal loans to consolidate Debt?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

What does 401k mean?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Any good wedding ring sources aside from Blue Nile?

Google stock to buy now or after the split?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best