Hello - I am staring my one person company to offer advisory service on personal finance. This is my passion and I have got a really good grip at it. Please feel free to throw in any questions regarding your financial journey that you might have. I will try and help everyone with a response.

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

Today I lost out on a house because my offer of $90k over the list price was beat out by another bid. Everyone else having an equally crappy Monday?

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

Novice investor looking to invest 100K. Do I DCA into ETFs / Mutual Funds?

In what increments (eg. $1,000) and cadence (eg. Monthly) should I DCA?

How should I spread out the increment across ETFs (eg. Equal percentage in each)?

I am down $25K on $150K portfolio. Should I cut losses and leave or continue :(

Is it worth saving money with 401K or get better rates in FD’s / Post Office etc in India ? FYI 50% match is provided by company for first 5% only

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

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

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?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

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

I’m a Canadian on a TN visa. Am I allowed to trade crypto on Robinhood? If so, can I trade the same coin multiple times in one day (day trading)? What tax implications would this have for me other than the standard capital gains considerations?

Which consulting firm has the best 401k match?

Stocks only go up.
Apple calls, Microsoft calls and alibaba calls are peaking my interest now....

Hello folks, My ctc is current at 6.2lpa and I would like to cut down my taxes. Any suggestions on where to invest for tax savings? Also is FD a best plan for investment with lock in period od 4 yrs for tax saving bills?

Just got a pair of Bose quietcomfort noise-cancelling headphones. Maybe the best purchase of my adult life. #gamechanger

Planning on a trip from NYC to Miami. Need 2 suggestions — 1) best neighborhood to stay for 2 laid back women in their late 30’s, 2) best way to move around between car rentals vs Uber? If car rental, any recommendations on which rental to use given the astronomical gas and rental prices?

Post PA outcomes here!

What is the most reliable way to make $750k a year by your late 30s?

Is it true that people joining for Oracle practice at PWC AC Bangalore are on bench due to shortage of projects right now ?

How often does anyone feel burned out? At what point does anyone say enough of this shit after feeling ignored by your company? Keep in mind that this is work at home.

Looking to gauge if my current salary is competitive with the current market. I am a senior associate on the fund accounting team and make about $110k after bonus. Any thoughts?

Dallas People - what is the 1 restaurant you all are eagerly awaiting to dine at post quarantine??

Any openings for Python/Django profile?
Skills- Python, Django, MongoDB, MySQL, JavaScript, PHP, Laravel

Any female fish want to grab a drink this weekend?

Anyone know of positions at their companies with limited travel requirements aligned to HC, training, or OCM?

Is JS7 & L4 same ?? Any idea ??

Hello there.
I am a junior front end developer(2+ years) and doing my Masters in Information Systems now. How possible is it to find a remote job at UK?? Living at Greece and working for company at UK. Except freelancing...

Hello ! I recently joined Deloitte India. someone told me only Deloitte USI has on site opportunities. Is it true ? Anyone here or know someone who are at abroad on-site from Deloitte India. Thanks

Which company is best ibs vs kpmg

Hi Team

I have an offer from Barclay's and the Fiserv. Having 9 years of exp.both are offering the same package , so considering long term association which one is better to join?

Hi - what are the top renewable energy developers and IPPs in the middle east? I am looking to move to a project finance role in the Middle East and looking to understand the landscape.

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

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

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

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Google stock to buy now or after the split?

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

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

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?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Paid off my account debt!

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

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

Any good wedding ring sources aside from Blue Nile?