Help! I honestly don’t know how to get my annual expenses down from 100k

Family of three, biggest expense is mortgage. We eat out 3-5x a month, don’t have entertainment spend, don’t online shop, don’t vacation, one car....

Sourcing creative cost savers!

Anyone willing to share what assets they're investing in with the extra money from being overemployed?

My parents have very poor credit scores (<600). What’s a quick way to get this up? They recently paid back all debt but only have one credit card. Outside of paying back on time, should they open a new account to increase credit line / lower % of credit used? What options are best to quickly improve credit scores

Has anybody invested in Yamuna gaur city or planning to do so?

I was on a tour but where I asked a couple of older women sitting behind me to speak softly as it was 6:30 am in the morning. After that they kept saying loudly that i’m smelling and that i need to use deo and that i should keep my arm down. I confronted them later and they said respect your elders?? I want to ruin their vacation. What else can I do?

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

Any advice in terms of investment to save the maximum tax?

The firm I work for is not closing for the hurricane. Staff were told to work from home or take PTO if they could not come in to the office (and the building is now closed until Friday). Is this normal?!

Now that’s what I wanted - good bowl. Come on real estate folks!

Do you guys give your boss's New Years' gifts? I'm thinking of doing one since I didn't give a holiday gift but thought it maybe weird

I found out I’m not eligible for HSA ($0 deductible) and my company doesn’t offer one. Is there an alternative or should I just pour that money into IRA/401k instead?

There will be an annual holiday called OCCUPY WIREHOUSE where every May 18 financial advisors and their clients congregate arm in arm in front of each firm’s home office as a sign of solidarity.

I am looking for a 2bhk (family) in Viman Nagar or Kharadi (Modular kitchen is must) without brokerage. Any leads would be super helpful.

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

Has anyone dealt with submitting domestic adoption costs for reimbursement? Do we just email them our receipts as the expense has occurred. Is there forms to fill out as well? I just started the process and made my first payment and want to know how to submit.

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

Hello All,

I got an interview call from Wooga a gaming company based in Berlin, I spoke with the interviewer and she told me to research more about the cost of living and expense in Berlin.
Please can you guide me with how much salary i should quote for Senior QA Engineer role.

I recently changed my last name. When my husband and I got married over 20 years ago we talked about what legacy we would leave it children... Would it be in the form of a company, a brand, or what? We came up with a name that was the second half of my first meme combined with the second half of his first name. We didn't yet know how we were gonna use it... But we had named our legacy. Over the past couple years, as things like 23 and me have become more popular, we started...cont'd

Can I change my base location from Bangalore to Mumbai? I am having an offer from capgemini but it's from Bangalore, HR told me you can change your location later on,
So can I change my base location?

Thinking this is the year i iA find someone, prayers for all of us single 🐟 wanting to take that next step!

Switching from .net to Java is good or bad after having 7 years of experience in .net?

Would you consider hello fresh as a tech company? Trying to break into tech and wondering if a position at hello fresh can get me there if it’s more of a product role?

Unfortunately was dragged into an audit despite the fact I don’t work in audit. Why does audit RM say yeah your hours will be 50 hours/week when you’ll have to work way more to do the audit. Seems very dumb - if you have work do it, if not don’t work…

Anyone tried the new Sanctions Certificate (CGSS) offered by ACAMS? Trying to see how difficult it is considering I don't have a lot of experience with sanctions compliance. I have CAMS & work in AML

What are the cheapest study materials to study for the CFE? I didn’t want to pay out 1k+ for the prep course from ACFE.

Should The Flash be canceled because of Ezra Miller's behavior? It's sad to see how he's gone off the rails.

Hi folks,

My current project is discontinued by client, so I’m on bench now. Im serving notice period and only 40 days are remaining. I asked HR for early release me but they denied, saying its our policy to complete NP

Is there any possibility to get early release? Whom to I contact?

Hi I had an offer from CGE for Associate Consultant B1, I negotiated the CTC with the HR on it and the new offer is for Associate II/A5 can anyone explain the meaning of these positions?

** Very Important **

Tax declaration last date is on 15th May 2022.

I would like to know do I have to submit the investment documents now ? Or later in the month of March 2023 ?

Please let me know. Thanks.

Anybody know the Senior Director salary band at EY in Toronto? Hoping to understand if it’s worth a conversation or not.

Agency copywriters (in Toronto): what’s your pivot/exit plan after agency life? Client side seems to be crap work & bureaucratic, are there other creative options I haven’t thought of yet?

Is there a place where I can determine what a realistic salary for my exp? I don’t want to be unrealistic when negotiating but also don’t want to low ball myself
Contd

Recently moved to Denver, and may be sticking around for good. Planning on buying in the next year or so, and some of the suburbs off 25 and south of 470 have caught my wive’s eye. Thoughts on Douglas county (or specifically castle pines, Parker)?
We’re a mid-30s couple, with a 4 y/o, so for priorities: schools, (hopeful) resale value, and activities for our daughter and family as a whole. Any advice or alternatives would be appreciated!!

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

Vtsax vs fxaix?

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

Can someone explain to me what a back door IRA is and how it works? I’m making over the income limit to contribute to any standard IRA and am maxing out my 401 K but no company matching program so I’m wondering whether I should be doing more

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Anyone buy a small apartment building or small strip mall? What has the better ROI — residential or commercial income?

Listening to Rich Dad Poor Dad and I keep expecting every story to end “and then everyone clapped” 🙄

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

Debt payoff update: house paid off, personal loans paid off, credit card down from 22K to 5K. Car loan is 21K. Looking to be completely debt free in 6 weeks, very excited!

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

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

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

How much of a nest egg would you expect a couple to collectively need in order to retire at 40 and live relatively comfortable (not lavish)?

Looking for a soundboard.
Expecting parent, 35yo, NW of $1.2M with investment property in my hometown in Europe near family & friends (mortgage is less than $1k). Current expenses in Bay Area is 5K a month, probably more once baby comes.
Thinking of leaving Bay Area in 2 years and semi-retire for a few years in Europe, focusing on parenting and freelancing.
Any thoughts on this plan? Anything I should be aware of?
Thanks!

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.