For those maxing out their HSA, how many of you are using it on health expenses v saving it, and why?

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Save and invest it. Health expenses will come with age and I might as well have tax free money to cover it given the SP stays its course of realizing an average 8% gain year over year

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Save it but keep receipts for disbursement closer to/in retirement when my investments have had years and years to grow tax free

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Great idea - is there a time limit for these?

My plan is to max it out every year and not touch it. I think of it as another 401k, which I also max out every year. I did pay a Bill with it though already this year so we will see how it goes. It was $1000 and it was either the HSA card or a credit card. I went with the HSA but if I had the cash I would have paid out of pocket.

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Saving and investing for now. 37. Extremely minimal health costs now and I’d rather pay “out of pocket” to keep HSA funds invested.

Using it on health expenses. HSA fees are too high to keep around and investment options are terrible.

That first point goes with the second. You can be aggressive with a segment of your investments, and that will likely get you greater net gains than the tax-advantaged accounts. When I said “know what you’re doing” I meant not trading with emotions, choosing investments with sound fundamentals, taking calculated risks, etc. Not tossing it all on GameStop or Tesla.

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HELP my friends! I’ve been invited to a recruiter screen for the initial interview with HR for Global Safety Associate. This job mainly deals with Adverse event/high prescribing meds product complaints. In my current role I deal with on boarding pt & getting patients work done from A-Z till they get on their meds. The only part which is similar is that I’m the main point of contacts for pt so I can report their complaint to Health Canada. How can I convince them I can handle this new job

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I’ve seen a couple posts lately with comments saying that people should not use a Roth 401k. Does the logic below capture the spirit of that concept?
1. Use trad. 401k to reduce taxable income now. Convert to trad. IRA once retired, then convert gradually to Roth IRA (ladder, SEPP, etc.) at lowest marginal tax rate
2. Use Roth IRA (and/or backdoor Roth) to take advantage of tax free growth and ability to withdraw principal early without penalty

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Hello all, i have been working at an insurance firm from 3 years as roi technician thats release of information . Looking to explore more career options. I am not intrested in customer facing roles and roles which need to be on phone all day . Does anyone have info on those type of roles , or more career options please . Thanks in advance .

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I am an RN with a total of 11+ years of experience on hospital and corporate RN insurance accounts. I was away from bedside nursing for 10 years. I recently accepted an offer at a mid-city Rehab facility to reintegrate myself back to bedside practice. The institution offered me a $40/h rate. Is this a good offer?

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Am wrking TCS. For am medical emergency I have applied for salary advance today and it is approved.Buy amount is not credited. Ould any one let me know when will I get that money. I need that money for an medical emergency.

Is that possible will I get today?

Tata Consultancy

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What is a good introduction book on investing?

Hiring an advisor and a 401k specialist in Greensboro + Charlotte NC

What list of benefits do you look into when your about to turn in your two weeks? I’m assuming get your dentist/vision checked, FSA, any others?

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I have drank 49 out of the last 90 days. Typically two glasses of red wine at night. Is this an issue? I do want to lower my drinking but have been struggling with doing so honestly.

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To medical language interpreters who are full time employees at healthcare entities - what are your pay wages or salaries ?

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I am an experienced software and data product developer/ manager, who took a break to try consulting. My industry is Health and Public sector. I am trying to get back to product, but, the public sector experience is not apple = apple match in the private PM world. For eg. No agile. Words of advise from people who have made a transition from public sector to private sector in the PM space? Are there any good product management certificate courses that are respected in the PM-ing world?

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I didn’t know the quality of life reimbursement was getting taxed in paycheck... so my $400 ended up being like $250 actually getting reimbursed if you discount the taxes.... whyyyyy???!! Not fair

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In MBB / T2 market in SEA what would be the net take home ( in USD post tax w/o adjusting to cost of living) relatively to each other . My sense is that if we take Singapore of index of 100% of net income for the level than:
1) Indonesia 70%
2) Malaysia 80%
3) Thailand 75%
4) Philippines 65%

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Our baby is due soon so we’ve made the decision that we will only have visits from vaccinated family members (not realizing it would be an issue) only to find out that my Dad will never be getting vaccinated, planned to lie about it AND asked other family members lie to us about his vaccination status too… when we found out and asked him about it, he started to FREAK out. Now I’m questioning if we’re being unreasonable… how have you guys been handling unvaccinated people meeting your newborns??

Man that United Healthcare Chuck Norris spot... ouch.

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What latest COVID treatment is being routinely practiced in your facility? Is convalescent plasma therapy being routinely used?

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Anyone have any great apartment rental insurance companies? (Or horrible companies that I should shy away from? Equally as helpful!)

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What does a mental health day look like for you? Took one today & it was the best thing I’ve done for myself. Bonus Q: did you own up to it being a mental health day or did you go to “the dentist"

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Which one to choose please help
IBM annexure is as below
DESIGNATION Senior Technical Specialist LOCATION Hyderabad
Compensation Components IBM Offer (in INR)
1. Annual Basic Salary 386364
2. Annual Flexible Benefit Plan (FBP) 463636
3. Annual Reference Salary (ARS) 850000
4. Retirals
a) Provident Fund (PF) 46364
b) Gratuity @ 4.8% 18545
5. Annual Reference Salary + Retirals 914909
There is no mention of Variable in Ibm However TCS mgr told I'll get 100% bcz of grade

Post Photo

Any tips on how to prepare for the SA role for the Amazon Ring org? Would the preparation/questions be same as that of AWS SA role?

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I’ve only had two Brazilian waxes my entire life, and both times, every single hair follicle turned into a pimple. I want to try again (5 months pregnant so shaving isn’t an option anymore). What prep should I do, and what should I tell the salon to prevent it from happening again?

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Just started a new job and have no PTO and my gf is moving back to her home country. She’s upset that I can’t come with her and doesn’t want to go on the weekend because thats when her goodbye party is planned. Yes, we’re gonna do long distance. AITA?

Everyone is getting engaged or married…where is everyone finding people that love them that much?! I can’t even get a damn date.

likefunnyuplifting

What is the CTC being offered at a consultant level at mastercard?

How long was it till your puppy was fully potty trained? Have been on a good track but still accidents here and there

likehelpful

How does anyone break into pharma/ health care? It’s impossible!

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Ho Fishes, I have two offer 1) Capgemini : Senior Manager 2) Standard chartered bank: Project manager SCB is offering 1 Lac less in overall CTC. Need recommendation where to join? Accenture Capgemini Standard chartered gbs

Your best word of wisdom to the next generation ?

Here is some of the best I have heard « separate your emotions from the outcome. If you did your best and set everything you could for the outcome to be successful, the next steps may be beyond your controls so take a step back »

likeupliftinghelpful

Interested in BizOps/Strategy at a SaaS company funded by tier 1 VCs? My team is looking to grow, happy to refer qualified candidates!

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How do you get the free fitbit through EHE? Trying to schedule the annual check up but does not offer anything. There was the same question last week but can not find the thread. Thanks

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Let’s collaborate and share ideas during the academic year! Follow me on IG @bigapplesocialstudies

Should I send an external email at 2am or send it the next day?

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Hi,

Please let me know in comments if you have referals for Mainframe technology Yoe 5.4

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Hello guys does anyone know what's the average package for Product Analyst with 3-4 yrs of experience at JP Morgan

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I was planning to buy a home next year, but now I expect to renew my lease once it expires. If so, I wouldn't be buying a home for at least 2 years from now.

Guessing I should still leave the down payment in a HYSA (getting 3% right now)? Sucks to miss out on market returns, but I understand that conventional wisdom is not to invest money you'll need in the short term (within 3ish years). I'm definitely tempted to put a portion of that in VTI though...

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Hello,

I'm a fresher in testing field. Im from India. How is epam anywhere? What are the qualification rounds in epam for manual testing? Kindly reply.

What is a normal salary range to give a recruiter for an AE position in NYC? 2.5 YOE, mid-size agency, CPG.

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Additional Posts in FIRE Financial Independence Retire Early

Do people tend to age out of wanting to FIRE?

In your 20s-30s, you don’t know much, you’re told what to do, you have few financial resources so you are tied to your job. Under these circumstances it makes perfect sense why you would want to FIRE asap.

But eventually you advance up the ladder, you are now the boss and your people do all the grunt work. You also have built up expertise which makes the job easier. And you are making the best money of your life. FIRE is no longer so pressing.

likesmart

Sup guys! Asked before, but curious to hear anything new: What are some side hustles you’ve been doing to get some extra income? Curious to hear some ideas for my own brainstorming. I used to flip couches off FB marketplace as a side hustle

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I’m contributing post-tax 401k offered by my employer to take advantage of the mega backdoor Roth. How often do people roll it over to their Roth IRA account? Like every month? I understand that any gains rolled over would be subject to tax but don’t expect it much given the market is down currently.

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What percentage of your monthly income should be going towards rent? I live in a HCOL city.. so mines nearing half. I feel this is too much, but I’m still able to save a bit.

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What’s an ideal minimum net worth to have by 30 years old? I know everyone’s path is different and retirement plan is different, so let’s go with HCOL area for someone looking to retire by 55.

I am convinced buying a house is a poor use of money when living near any mid-sized to large city when looking at investing that money over a 15-30 year time frame. What do I need to be considering?

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How much do you donate each month/year? What is your total comp and age?

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At what number do you feel like you’re making enough whether to satisfy your desires or just not feel guilty about spending money.I’ve been blessed to have my income raised a total of 85% throughout 9 years but shortly after each raise I still feel like it’s not enough to live by and that I’m always behind. I live in a high cost area and make triple of what my friends make yet it still doesn’t feel enough. Cont’d

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Is there a limit on the amount of T-bills I can purchase in a year? I’ve already put $10,000 in a Series I savings bond. Now looking to purchase short-term T-bills during the bear market. Appreciate the help.

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likeupliftinghelpfulfunny

Have 3 401k and 1 ira account. Now have to consolidate all of them in vanguard. Any recommendations on how to move them
Looking for options to take advantage of rollover.

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When leaving a company, what do you do with your 401k and ESPP accounts?

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Can I open a new roth ira without directing contributing to it, even tho I make over the income threshold? I need to close my current one because of the residency requirement and also rollover my roth 401k

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Im 35. Considering to start investing in Real Estate this year. Looking to buy 1 property to start generating cash flow, but most importantly, long term equity. No plans to sell. Condo or Single family residence. Considering booming areas like Austin, Vegas or somewhere with potential to grow. Will need local help, since I don’t live there (realtor + property manager). Already have 20% down, but considering putting less. All closing fees are also covered. Is this a good idea or should just wait?

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Am I doomed? I’m 36. Huge partier and spend $ like its going out of season. Make about $215k all in and have little savings. I just have terrible savings habits and just enjoy living for the moment.

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Anyone regret not doing banking to do FIRE faster?

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newbie here for investing. where should i be most focused.
- US Stocks
- Foreign Developed stocks
- Emerging market stocks
- Dividend growth stocks
- Municipal bonds
- Cash

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Does anyone have experience using Personal Capital's active (I'm guessing mostly robo) management services?

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I hit my FIRE number today at 50yo!!!! Had to tell somebody.

likeuplifting

Where do I begin figuring out the actual execution of retiring? e.g if net worth is > 4mm at age 35, how would one figure out what FIRE lifestyle would be now versus coasting with an income for a few more years? I realize this is a pretty dumb question.

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