Have 6 months of emergency savings, really tempted to cut it down to 3 and move the rest into market (index funds / ETFs). Have you had this temptation? How have you handled it?

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

What steps have you guys taken to generate a second/ passive income?

I would love to come across some ideas and know how it is working out for you.

What service do you use for collecting security deposit/rent?

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

I have to support my family financially. Usually my mom cooks for the family so groceries only cost $1200/month. However, my mom is abroad for 2 months so it’s just my siblings and they can’t cook so they’ve been using my card for doordash. I think there are days when they spend $100+/day. It’s frustrating because my mom already told them the daily budget repeatedly. I’ll go bankrupt at that rate. However, it’s not like I can take my card back since I don’t want them to starve…

Currently make 90k and save about 500 per month after 401k, HSA, mortgage, all expenses etc per month. Where can I go to Cali to save the same amount and how much do I need to make to do so?

I make $4000/M after taxes and max 401K and spend about $2400 for all fixed costs (rent, utilities, etc). With roughly $1600 left, and with a strong goal of saving as much as I can, what are some recommendations on how I should allocate my money better. I know this is vague but need some better financial planning.

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Please, can some explain it to me like I’m 5 why Tesla’s stock keeps going up? But seriously, with a PE of almost 1,100, why?

Is stock market surging tomorrow?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Let's say through a combination of aggressive saving, high income, and savvy investments, I manage to save several million by the time I'm 40.

If at that time I decided to pursue my passion and go to law school so that I can be an affordable attorney for worthy causes, will my age hold me back from getting into law school?

Since the Chase Freedom Unlimited gives 3% cash back on dining, does that mean you get more UR points that way vs. using the Chase Sapphire Preferred?

I have $20k student loans and have been paying $1k per month throughout pandemic to lower the balance. Would you continue to do this? I could pay them off, stop payments in hope of debt relief or keep up with current strategy. TIA

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

My company allows contributions to both traditional (pre-tax) and Roth (post-tax) 401k. Is it better to split my contributions between the two? For example, I could contribute 3% to Roth and 3% to traditional (my employer matches up to 6% total but that can only goes to traditional)

Anyone know when Ch. 7 BKs must close by? Is this changed by when there are adversary proceedings (alleged fraudulent transfers made to a bank for CC payments)? Asking for my friend who is unfortunately involved bc of his parents, who are the debtors (he isn’t a defendant or a debtor in this, but the payments were made to a CC in his name—a CC he didnt know was opened in his name).

Its in Texas, and the initial BK filing was made about 23 months ago. TIA!

Anyone build a house in NVA? We're planning to move to a bigger house in a couple of years and building is an option if it's not too expensive. Anyone got any builders or $/sq ft info? Thanks!

Does anyone in LA want to practice cases?

LTI-Larsen and Toubro Infotech is looking for Project Manager
Domain : Banking preferred
Experience: 10 – 14 Years

Send me your emailid if Interested for this opportunity

Hi all,

My joining is on 20th December in TCS. I have yet not received the onboarding Welcome mail. By when is the onboarding mail usually shared? Can anyone who has joined recently confirm? TIA.

Sir / Friends 🙏🏻
Does TCS accepts buyout in place of serving NP?

Weekly Hot take. While I am enjoying subscription based game libraries. They will be the death of quality game releases.

Hi Fishes, Can any one
please tell me what would be the CTC range for
"Development Engineer 4" - Comcast
India(Chennai). Total exp 8yrs relevant to the
role 3.8yrs. Tech stack- Python, SQL,
GCP(BigQuery), Docker, REST API.

What is a realistic salary to negotiate for when applying for a VP position in Risk? Currently have 5 years of experience

How do I approach wanting to work for my client I've been on for two years? Is it acceptable to directly tell the client side or should I apply first and let them know I applied?

Are there internal levels/ bands within the VP title at Goldman Sachs? FWIW, this is for a non-business, internal strategy kind of role. (Posting here as this bowl has people from multiple industries)

Hi fishes,

module lead, Band C3 in mind tree with 8.3 years of experience as a front end developer is it good to join, they offered me 40% hike.

I'm currently a property accountant with an MBA in finance. I desire to earn more income considering my credentials and experience. I currently earn 93k and striving to get to 150 or even 200 to be able to live the way I want to live, pay for good schooling for my children, eat organic, travel etc. Even to buy a nice house in a great neighborhood is at lease a million. I'm looking for salary comparisons and recommendations to reach my financial goals

I have friends that have back office positions but never received an offer letter & their company still doesn’t use them now. Has anyone given notice & started a new position without an offer letter? Do international companies provide something else in lieu of a formal offer letter? I know offer letters aren’t legally binding anyhow, but seems they’d provide something. (International = Canada)

MBA admit here and have to put down a deposit soon, having serious cold feet right now due to the covid situation and potentially having to start virtually. Would love any perspective on how it's been particularly socially and what your schools' outlook on the fall is

Looking for referrals for Zomato. Can anyone help a brother out ?

Any interesting Upcoming ICOs?

Supply chain issues are still a problem. And Fisher and VWR (Avantor) are as greedy as ever. I’m considering looking into starting or investing into a U.S. manufacturing based lab supply company. Thoughts? Anyone work for these companies that can discuss logistics and potential challenges?

Would you consider Uber a good buy in the long run?

Gl as a aor

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Please, can some explain it to me like I’m 5 why Tesla’s stock keeps going up? But seriously, with a PE of almost 1,100, why?

Is stock market surging tomorrow?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Has anyone built their Real Estate portfilio without debt and used cash to purchase properties? Curious to see if there was a specific approach that can be taken to do this?

Why is the market going back up already? Is this how it was in 2008? Should I keep my 401k same or increase?

Hello fishes. Need some insurance advice.
My parents are dependent on me. My 62 yo dad and 57yo mom do some part time work and makes $1000/mon. Dad has some health complications like diabetes, high bp, genetic heart issues, liver problems etc. Does it make sense to get a life insurance for him - 20 yr term, $1M coverage. Premium is around $500. I am thinking I can pay the premium but if something happens to dad, it will help my mom pay be self-sufficient

How much do you all have invested in safer funds vs stocks (outside of retirement accts)?
Currently at a NW of ~350k and have 125k in funds and around 70k in stocks, including ESPP. I’m fairly young (late 20s) and wondering if I should throw more into the stock market over the next few months or wait it out for a correction

Rental expenses: experts recommend spending no more than 30% of gross income on housing per month. What’s your: 1) monthly gross, 2) % spent on housing, 3) high/medium/low cost of living city? Trying to get an idea of how y’all investment fish prioritize housing vs savings.

Need advice for a paper in MBA program. What’s the absolute *WORST* financial product you can think of? Insurance, annuities, mutual funds, savings accounts... (and can’t be payday loans)

Hi! I have a brokerage account with Vanguard. Does anyone know I can have tax withheld as dividends are getting paid through the year? Please note that I’m not referring to extra withholding on W-2. Thanks!

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

How do you all split your 401k contributions between pre-tax and tax deferred (pre-pay tax) contributions?

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?