Hello all!

Am I correct in my understanding that:

Over a certain income ($76k as of 2021), a single person CANNOT make tax-free contributions to a traditional IRA if you have a workplace retirement plan?

In my example, I have a work 401k, and my adjusted gross income is over (or just about hovering) at the 76k limit. This means I can't make pre-tax contributions to a traditional IRA, so I should just go for a Roth?

Bank error 30k in your favor. BTC… Where to start?

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

Asking for a friend: Looking for a referral to KPMG Advisory - Federal Healthcare Policy. 7 years exp + MPP + currently at BAH. Let me know if any fish want to bite 🎣

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

Where do you go to keep up to date on new Healthcare benefit products, regulations, etc? Is there an industry/regulatory resource?

I got rejected for an interview from Big 4 NY Audit, even had referrals from Manager + level people. 3 years w/ audit senior at mid size firm, 2 years fed tax at big 4, and 1.5 years Internal Audit healthcare. Currently self employed for a year to work on investing. Do I literally need a partner level referral to get back into Audit? I thought there was an accountant shortage.

Dogs in offices are cool, but who's offering some comfy siesta benefits? 😴💤

So I’ve been with a court for a while and honestly the pay sucks compared to what paralegals should be making… the benefits are great though and they match my retirement 100% now that I’m vested at 3 years.I have 4 kids and 1 is getting ready for college. I feel like the benefits are great but I’d rather make more now. I am a previous LEO for 4 years who switched to paralegal so I have my leo retirement. Paralegals here make $28 with no benefits what is a good compromise

How serious are the independence/investment declarations while joining Big4’s in the U.K.
My parents have a couple of minor investments in the stock market. Do I have to include my parents investments even if they are citizens of another country and invest only within that country?

Hi Fishes,

If anyone is looking to buy Life/Health insurance product please connect, we can avail good deals and discounts.

Are new recruits eligible for mobile phone reimbursement within one month of joining? I understand that it needs to be configured first.

Looking to pivot into healthcare consulting. I come from a MHA background with a two year Administrative Fellowship following it. Any experience breaking into one of the top consulting firms with this type of background?

Seems that the vaccine that usually takes more than 10 years to develop, test for side effects and go through the regulation process is being very fast tracked to roll out - which is a super great thing to potentially eradicate the virus. on the other side of the spectrum, people with life sciences n healthcare insights, how reliable and safe would you say vaccine (being fast tracked) is...?

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Currently working as radiology access specialist that is a regular 10 to 6 Monday through Friday. I want to branch out to remote position in healthcare I have about 3 years of working administrative part of healthcare. This will be a second job in a sense. Does anyone have any ideas ?

Does anyone here have a Tesla? Should I do it???...

Noogler question: are approved Amex expenses from concur directly paid by google to Amex? Or I gotta to pay? My expense was approved but has not yet been fully received in my account..

I’ve been working for my State Farm agency as a team member for 2 years. I am licensed in property and casualty as well as life and health, but only make $13 an hour. I technically can make bonuses but I’m not supposed to dig into a sale and I have to send it to a sales rep (I am service and retention mostly). My boss also has me running a retired agents office until a new one is chosen (its an hour away with no pay increase or mileage pay). Also, no benefits! Should I start job searching?

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Dads side from Latin America - grandparents live there. Have my cedula and citizenship. Understand Spanish and speak it well but not perfectly. I constantly feel (contd...)

Is there any remote work available with base pay?? I’ve exhausted myself with Indeed, Zip Recruiter, and Glassdoor job searches and my unemployment is over 😭😭

How long is too long to wait for your agency to give you a substantive raise or promotion? E.g. how long are you willing to wait between bumps?

I love my job and the people I work with, but lately I've been feeling like everyone else has more flexibility in their schedules than I do. How do you find time for yourself when there's so many meetings?

I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

Whats your TC and YOE in Canada? I'm at 130k with 8 YOE

Hi All, Any update on CTS work from home extension?

Anyone interested in a practice session tomorrow?

Do companies sometimes offer "gifts of appreciation" if you're not selected for a merit increase? My manager randomly called me to let me know I was chosen for the "gift" this year bc of my "hard work & dedication", except now I'm learning other colleagues are receiving actual merits.
I mean it's possible that I may receive a merit, but I feel like I won't considering my manager never brought it up & the dept update made it sound like those receiving it should know by now.
More details below ⬇️

Which philanthropic causes do you care most about?

And another one bites the dust

Hey hey all
Any tips on how to eat desi and healthy. Want to drop from 70 to 60 and get back my fighting bod before my non-existent dil mil dates come into existence.

For each MBB, what's the grad school sponsorship policy for junior who join as experienced hires? Are you still eligible and if so, how long until you can be sponsored (and is thus measured up to enrolment or application time?). Thanks!

Hey folks , I am about to buy am office chair for my personal use , would love to get some recommendations from you'll
I wish to buy an ergonomic chair with my budget being upto 20 k
Do let me know any recommendations if you would have.

What is the notice period if left in probation period?

Anybody with approved H1B but not stamped due to no on-site opportunity? Any ideas what should be the next step ? Can I apply for deloitte US job directly? Or look for jobs outside using the same visa approval?

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

I want to open a Roth IRA for my mother (55). She makes about $9k from an international job and doesn’t file a U.S. tax return. How does the government check if I find it with the maximum of $7k?

Book suggestions for new-ish investor - PLEASE. Need to learn the fundamentals

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

If I’m right on the cusp of hitting the contribution reductions for a Roth IRA for 2021 (will potentially have a greater than $125k AGI depending on bonus amount, but likely won’t exceed $130k), what should I do? I can fully find the $6k right now to a Roth, fund like $5k and then wait until June when I find out my bonus amount to decide what to do with the rest, or should I just do an IRA->Roth conversion just to be safe?

Would you buy a brand new car in cash?

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.

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Advice & resources? My spouse and I are starting to make good money (ages 28 & 31, $105k & $70k) with $10k in savings (we were hit hard financially this year) and 2 car payments.

We live in a cheap apartment ($1.3k) that is sh*tty. Don’t quite have a down payment (especially not in ATX). Is it dumb to rent a house for a year at $3k/month while we save up again?

We both didn’t come from $ and are figuring out how to not be idiots 🙃 tbh we would prefer to rent forever but that feels dumb???

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

How do I legally gets my hands on $100k that my future wife wishes to hand me over for investment purposes (she is outside the US). We won’t be marrying for another two years. Thank you!!

Recommendations for a Roth IRA?

What's your target retirement savings? Target age? Combined or single?

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

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?

If I have a six year old and 150k in a 529, can I say I’m done?