Have credit score of 800+ but got CC declined based on ‘number of bank card trade lines opened in last 24 months’. What does this mean ?

Has anyone at a mega fund like KKR or Apollo experienced coinvesting and actually being able to put money into a deal?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Hi fishes,

My CTC is around 12 lpa per annum. How can i avail max tax benefits?

How much do you have in savings (cash, 401k, etc.)? And how old are you?

I have a 401k and A Roth IRA but I’m not active in my investments. What are some good sources to get started to understand personal finance and investing?

Marriott or SPG credit card (for the sign on bonus)?

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

Welcome to the NFT Bowl! Feel free to share cool projects you've found, investments you are making and why, or shill your own projects! It's also a great bowl to network and build your own team!

To make things smooth:
1) If you see or have a cool project, please post a link to help others find it quickly without having to slog through searches
2) No one is giving any financial advice. Use of this bowl is acceptance that you will not take anything posted in this bowl as financial advice.

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Bitcoin about to tank?

Do you invest in commodities?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

Hey, I’m thinking of getting a Mazda CX-5 2022. Is it a good car? Is it worth the price? Any problems I’ll run into in the future? Please talk about it! This is my first car and I’m super anxious and need to make a deposit soon! Thanks. Is it expensive to maintain?

Dm me for wealthsimple cash, wealthsimple trade, or rakuten referral codes. Literally been on rakuten 2 weeks and made over 20$ for nothing. And while I’m here, any other good money makers?

In case anyone needs help with their Tax returns, please feel free to DM me.

I need help from an accountant or a financial analyst. I need to compare fed vs private company retirement and help me create a retirement plan. I will pay for the services. Thank you

Hi ,

I have 5 years of experience as a .NET Full stack developer. I am holding offer of 21 LPA and I had HR discussion with Mastercard.

HR is not ready to share the exact budget they have (weird!! because HR usually give the idea of how much they can offer )

HR is asking me to expect something on top of the current offer I am holding.

The opening is for L8. How much offer I should expect from mastercard??

Went to look for my first Omega, think I’m getting a Grand Seiko “Winter” instead.

Starting base salary for entry level MD and Principal at KPMG within MC Technology Enablement ?

How much should a data engineer make at 2 YOE in a tier 1 city?

Fishes, is 110K for Senior 3 consultant an average offer?

Have 2 $100 Southwest luv vouchers, need to fly before 7/28. Selling for $150 OBO

Where do you buy Christmas trees in SF? Thank you

Any good mf with less tracking error to invest in us equity.

Favorite arias from the Messiah, go!

Best perks/benefits of working at Google?

Hello All. I have 7 years of work exp in Data analytics & Data engineering team. Right now managing a team of 12. Will PMP certification help in career growth ? Needed some view points.

Looking for any tips! I am CA qualified with 3 YOE in external audit and 1 in internal audit now. Don’t see in a future in IA so thinking of doing MBA and making a move out. Anyone who did MBA post external/ internal audit. Is it worth it and what role did you take post MBA?? Any help appreciated!!

Anyone in Dallas/Texas?

Is your compensation and performance reviewed automatically on a regular/annual basis? I don’t get either of these unless I ask for it! Found out others in our company experienced the same as me. Lowball Salaries trending as a common pain point

I like my team and work life balance, during the pandemic was very beneficial to my wellbeing. However feel I owe it to myself now, to be earning what I’m worth in the market (I’m underpaid by a fair bit) especially with inflation costs

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

In your opinion which is the best target fund to choose in IRA Roth?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

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.

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

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

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

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 do you think are missing from the personal financial management apps such as emma, yolt, cleo

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

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

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Google stock to buy now or after the split?