Getting about $2200 back from Federal and $1300 back from NY State. Claimed 2 for both last year and having 2nd kid this year. Should I bump to 3 or keep as is?

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Depends, are you one of those ppl who needs the govt to help you save money? Or do you prefer to receive max income and direct your own money?

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Thought the new W-4 doesn’t allow you to adjust dependents anymore. There’s no longer 1,2, etc...on the form

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Ask yourself if that $3500 could have helped you achieve a goal during the year. If it was going to sit in a 1.5% APY savings account, decide if $50 in interest is worth changing.

I lowered my exemptions (old form) and then had an extra $150 per paycheck deducted for Fed. It was the only way I could get it the way I wanted it which is owe about $100

With another dependent, and another $2k credit, I would estimate your taxes and adjust your withholdings to ~$500-$1000 either owed to you or due to combined Fed /State . You will likely need the extra cash flow with wife off work and day care

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I (36F) am married to another woman (34F) and we have a baby (5moF). We split all childcare, cleaning, meal prep, errands etc fairly evenly and it works well. Maybe she cooks more than I do bc she likes it, and I clean more bc I need to have a clean house. My friend (35F) recently took a business trip and literally put a binder together with instructions for her husband re: daycare drop off and pick up, what to feed the kids, when to take out the trash and so on. (Cont in comments)

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My husband, who had a successful career but is not yet 40, wants to retire and look after our kids while actively investing our money. I enjoy consulting and will gladly keep working. We also have a good amount of savings, mostly fueled by our frugality during his peak earning years. I feel like I need to support my husband’s dreams while negotiating clear terms. Has anybody been down a similar path and have advice?

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Associates, how did you balance your morning sickness and fatigue in early pregnancy with work? Thankfully I’m still WFH, but worried about receiving insane turnarounds that require me to stay up late/all night and the effect it might have on the baby. I’m past my hours for the year and feel like I should be able to say no, but the team I’m on has a tendency to push past no’s.

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Should I buy a condo/house or continue to rent for a couple more years if mortgage+interest+hoa+property tax will be lower than rent? I'm looking for something small. 2 bed + 1.5 bath min of 1000 sq. I still owe credit card and student loan balance of $80,000.

My gf is better than me in every way. I don’t look half bad but she’s absolutely gorgeous - turns heads when we’re out. She works at MBB. She’s ambitious and has a kind, loving heart (cont’d)

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Have you ever stopped yourself from applying to a better jobs (externally) because you like your current WLB? I easy qualify for AD positions but don’t want to sacrifice my time with my child. At the same time I want more $ 😭 (not starving now but just too ambitious)

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Thinking of moving to pwc, what is the wealth builder? Like why dont they just use a traditional 401k? What are important facts about it?

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What does a single family house (with basement) home owner insurance costs. Just looking for a range. Looking for a ballpark.

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Anyone else feel like family law is toxic and detrimental to the attorney’s health/quality of life? My client was served w/ an order of protection against her—her ex is abusive and is gearing up for a custody battle. Of course the OP was filled with outrageous lies. My home-office phone and cell were ringing from 9:00pm- 12 am after she was served…..I am in my first trimester of pregnancy with my 2nd kid and suddenly feel like I don’t want to/cannot handle this type of toxicity.…continued….

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Doge Baby Doge !!! 😍

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Favorite science show to watch as kid?

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Do you fly out to family for the holidays or do they come to you? We're hosting Christmas for the first time and having the entire family come to town for it. What are some can't miss holiday events in the city? Ideally accessible because my father is in a wheelchair.

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Single parent here, have teenage kids(14 and 17) at home. Any experience with live in Au Pair or Nanny, any pointers on finding good ones

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I was just bitched out by a PM who (according to his LinkedIn profile) was a student four years ago, while the people pleaser baby ACD nodded and placated the PM. Some jobs you earn the bucks...

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Does anyone here use Evolve to manager their vacation rental? If so, how is your experience using them.

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Start tomorrow but I don’t get a match for 401k until 2nd year. Living at home and wanted to pay off my loans. Is it ok if I just do loans, max out IRA, and have an emergency savings? Projected CONTD

Anyone return to work from maternity leave experience a major change in their role (i.e. getting sidelined or unofficially demoted in their role)? What steps did you take to address this?

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I have PCOS, so getting pregnant has not been straightforward. We are about 6 months into trying and I am on some drugs to help. My husband basically blames me for not being pregnant yet and routinely says I am a ‘mess’ for not understanding my cycle, even though I am going by what the doctors tell me. I haven’t been stressed by having PCOS, but his constant remarks are really getting to me

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I want to brag on my kid, but I don’t want to embarrass him, so I’m doing it here. My college sophomore found out today that he ended up with a B in his accounting class - which is remarkable, given that he received a 50 on his first exam and a 70 on his second. I’m not sure I’ve ever seen him work this hard - and I couldn’t be more proud. The grades that come easily don’t impress me nearly as much as the ones that are hard fought.

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Sigh. Do you have friends or families that are just like popping out kids and getting pregnant like it's eating dinner? Dunno how they do it but man sometimes it's just difficult to hear all these good news... knowing that we should be happy but like sometimes secretly thinking like can you pace yourself.. while some of us are having a hard time just getting 1!!

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After going through a hellish bidding process (cause of client changes), how do you let the vendors who DIDNT get the job down easy? Wondering what’s the best protocol for this.

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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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This is probably a dumb question, but do digital marketing agencies/owners of agencies have their own pr? Not for their clients, but someone who represents the actual agency?

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No hate please. How do you handle the conversation with partners about depression becoming a problem and/or intervening with your performance at work? I have days where I operate at 300% and others where I struggle to even brush my teeth in the morning. And yes, I am on medication.

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First day of school read aloud suggestions for 6th grade? What are some of your favorites?

I am a new joiner ( 3 months ).The project in which I work it's insurance project complex one with lots functional things specific to the application and insurance domain.

I want to communicate my issues to my manager in standup call without sounding like I am complaining about someone or being rud
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Pls help don't know what to do 🙏😔

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Which coding language should I learn for Product Manager roles?

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What do program managers do on your legal team at your company? What’s the expectations and challenges for this kind of positions? I am considering a pivot from legal to operation. Thanks!

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Definitely don’t see where the Asians are at in my office...

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I’m obsessing over something about my partner (she knows about it, and I know that it’s all in my head). How do I make obsessive thoughts go away?

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What should be my answer to how much code u write in a day ? I don't know how to answer such questions

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Anyone has experience with long distance? How did you make it work or if it didn’t work out, what were the reasons?

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Especially on weekends 😅

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People who work in banking, and especially in France, have you ever been badly treated by your colleagues with an attitude as if you’re not even worth a piece of sh** ?

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How are unproven theories and claims legally allowed to be called “news?” Lookin at you, Fox.

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Is VCA hiring in the UAE at the junior level?

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How did you decide if you should use a wedding planner? Do you have any regrets?

Traveling to India and using AT&T international day pass for $10/day. But still getting spotty coverage when not on wifi. Are there any other cellular options so that I can use my phone normally (incl my number) and call directly without using wifi? I expect calls coming directly to my cell phone number and hence can not use another number. Thx!

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Any advice on material needed for the LCSW? I’ve been sitting on my LMSW for 8 years and am ready to switch to PP. I have been within agencies since graduating, but never “needed” to take it. I’ve taken it and failed once already. Any guidance would be appreciated!

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Additional Posts in Personal Investment Chatter

New to cryptocurrency and want to invest in it. Recommendations welcome. How to start? Coinbase vs. GBTC via Vanguard? Is it a good time to enter?

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Any advice on the following investment mix? Late 20s, invested in funds mostly and not really looking at individual stocks. Long-term play and trying to maximize growth. Any of these duplicative, any I should specifically add/remove or consolidate? Thanks!

PS - Ignore the SPAXX

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Can someone explain to me what my cost would be if I took a 50k cares act withdrawal from my 401k? It says there is no 10% early withdrawal penalty but the income tax will have to be paid. If I withdraw 50k how much will I actually take home after applicable fees and NYC taxes? I'm trying to figure out if it is worth dipping into my retirement. Do anyone have any experience with this? Thank you.

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Is anyone familiar with filial responsibility laws? I have major doubts that my in-laws have enough saved for retirement / it seems they are planning to rely on SS despite currently living a pretty lavish lifestyle (brand new house, luxury cars, routine spa appointments, expensive dinners, etc.). I’ve heard of cases in PA (luckily we don’t live there), but what about other states? Also, I’m assuming if things go south at the end they can rely on Medicaid for long term care?

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Are there any ETFs for blockchain companies?

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Anyone in a Big 4 (maybe better at EY) ever done an alternative or a fund private investment? If so what are the rules/process to take to clear it if anything? Or just report it in independence?

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How do you calculate what tax bracket you will be at when you retire? Keep reading choose the option based of what tax bracket you will be at retirement but I literally have no clue

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Best investment book recommendations?

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1 yr treasury bills almost at 4% interest. Maybe not a bad time to buy bills for those looking for a short term investment (assuming you’ve already maxed the Series I bonds)

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Well. ARKK is back.

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Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

What are you doing with the money you are saving right now?

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About to close on our first house and wondering if you can pay mortgage using credit cards to get additional point benefits (or a prepaid debit card that is replenished using a credit card). Don’t want to let 30k worth of expenses go without benefits if at all possible. Thanks in advance

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Selling 2022 sealed and brand new Kaplan CFA Level 1 books, comment or DM if interested

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If I’m above the Roth income limit, can I do back door Roth for my Roth IRA and mega back door Roth for my Roth 401k? And does back door Roth count against contribution limit for mega back door?

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The general withdrawal rule for retirement is 4%. Do you think this is too low? I’ll probably still be working part-time, but will also collect social security after 62.

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Where do you go for stock market news?

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Should be close to breakeven after todays market gains (Invested around 60k during early days of market decline). How many of you are thinking about pulling money out today?

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Is BRK-B a buy right now?

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Anyone know where to get a cheap fixed rate loan?

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