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

Has anyone found a serum that works on nasolabial folds?

For those of you who had miscarriages after IVF, was there an underlying cause? Did you do genetic testing of your embryos? Did you do frozen or fresh transfer? Are there any ways to minimise chances of miscarriage during ivf?

Any advice on where to go after PR (financial & healthcare)? I have one year of experience and have been pretty disappointed with my current agency. I have a been actively interviewing & was thinking to go into the sales route. I graduated in 2021 and really have no idea where I want to end up. I’ve been talking to people & networking trying to figure out next steps— could use some insight. The culture at my current agency isn’t the best & the pay is basically unlivable for NYC. Any thoughts?

Hey small agency friends with kids! Quick question. Our agency’s family health care is expensive (ranges from $1700/mon with normal deductible to $1100/mon with super high deductible). If anyone out there (at a small NYC agency) has a better plan and is comfortable sharing, would you mind telling me who your company uses? My kids’ college funds thank you!

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Any recommends of a pediatrician near downtown? Thanks!

Hi fishes,
As an employee of TCS, can we avail any comprehensive/full lab tests/ health checkup tests in Hyderabad.?
While I'm checking on Medibuddy, there's an "amount to pay" displayed on each of the tests.

So, the CDC removed the Covid guidelines. I’ve never had Covid. I’m afraid people will come into work not wearing a mask and be inconsiderate… ughhh so distracting and disgusting. I’m also at risk to develop complications. Not sure if I should talk to HR. Not even sure if I should ask for accommodations to continue being able to wfh at least most days of the week to reduce risk. Idkkkk 😩This is so unprecedented. I always wear my mask at work. I’m getting pressured to attend firm events as well

Is Microsoft hiring for candidates with a healthcare background?

What are the perks and benefits working in GE Healthcare? Bangalore office..how are they in terms of pay scale?

Mental health is busy, looking for tips to help manage tasks, currently I supervise 12 therapists in 3 different departments that are all different with unique dynamics in each dept. I still carry a small caseload on top of this. I'm struggling with my patients and worry I am not giving them my best, I wax and wane between focusing on patients and therapists. Looking for advice navigating this type od conversation with my leadership, we have all been asked to work on increase billable time...

Did you do the NIPT? I just had my first prenatal appt and they scheduled me for the NIPT at 10 weeks. I’m a little nervous and anxious. Did anyone get it and got a false positive? Do you not recommend it? I wish I could ask family but we’re not telling anyone until the 12 weeks mark.

Even though having COVID back in November was miserable, felt good today being able to donate convalescent plasma to hopefully help someone in need.

I had an interview last week and waiting is raising my anxiety. I am on anxiety medications and it doesn’t seem to help. I don’t know why I am getting anxious as I already know I can not control the

Ordered a shroom grow kit and two kinds of spores. I've never taken them and always wanted to. Let's see if they do anything to rewire the brain like some people say!

Thankfully on a project and working remotely. I’ve been slowly losing grip with my depression and anxiety. Anyone else feel too scared to talk about it with their team?

Hi, I have 12+ YOE with dev experience in Mainframe and testing experience in Guidewire Insurance portals. Can anyone refer me to suitable jobs

The leason learnt by some of high salary negotiatiors in one point of time is never always chasing high salary and stuck in toxic company and suffer.
Please also give priority to company brand and wlb

Hey Sharks,

How's T-Systems india ICT pune for Data science?
How much to expect for Senior Consultant 2 -Data science?

Total experience 9 yrs.
Data science 4 years + 5 years in Data analysis.

Anyone have a primary care physician they like in NY? Ideally one who integrates holistic medicine as well as western medicine? Bonus points if they’re on Cigna or take insurance.

Compensation ranges for restructuring partner or equivalent at FTI, A&M, Alix, NY based.

I’m going to be travelling in February, I would like to go Jamaica or Mexico, but I’m still undecided, does anybody have any all inclusive recommendations adults only hotels please ?

Any standing desk suggestion for 2 people for WFH? We have four monitors in total. Budget desks will be preferable.

Anyone know anything about Facebook Chicago? Good place to be?

Does IHS or S&P Global HR revise up the offer, if we go back to them with a counter offer?

One of my coworkers thinks she deserves more PTO than it is allowed in our agency because she's "struggling". We all struggle with our own battles but she's being very rude about it. How can we handle this?

Have you ever worked with Quartz Network Events? Were the meetings and events valuable? Did it lead to business?

Anyone out in Philly? 25 M Here

Took a lump-sum pension payout from my last employer and looking to deposit the amount into an IRA account at Fidelity. Hoping this knowledgeable community can guide with couple of questions I have:
1. What kind of IRA should I open at Fidelity - i) Rollover IRA or ii) Traditional IRA?
2. Is this transaction considered - i) Direct rollover or ii) 60 day rollover?

Can someone explain to me what a back door IRA is and how it works? I’m making over the income limit to contribute to any standard IRA and am maxing out my 401 K but no company matching program so I’m wondering whether I should be doing more

Vtsax vs fxaix?

How much of a nest egg would you expect a couple to collectively need in order to retire at 40 and live relatively comfortable (not lavish)?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Anyone a CFP as a side hustle?

Anyone investing in index annuities? Can someone explain why this is beneficial?

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.

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

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

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

Can I afford a 300-350k mortgage on 87k salary? I have no debt, would put 10% down

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.

Anyone used/using HMBradley before for HYSA? They have a 3% rate which seems unreal in this economy. Just want to make sure it’s legit. It’s seems HMBradley is the marketer for Hatch Bank (FDIC insured). Any other recommendations for HYSA?

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Hi, I repaid my student loan today and feel awesome. Want to start saving for a home ($350-400k). Any suggestions if I should invest in something short term or a Roth IRA or let it sit in my bank?

What are the best cities to live in for FIRE?