Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Is buying into the VIX the best way to hedge for a mkt downturn?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

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?

Can I receive rent on H1? How can that be accounted towards the end of the FY?

Can you please share the age of your kid(s) and how much you’ve accumulated in their 529s to date?

What am I supposed to do with a firms mandatory pension notice? $6B... okay, seems good 🤷🏻‍♀️

Or am I supposed to actually pay attention to something specific in the notice?

Thoughts on debt finance vs. capital markets for lifestyle?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Hello folks, any credit card suggestions with good benefits and cash-back? Please advise. TIA

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Will base jump from 120 - 145 make a significant difference in my saving? Offer has significantly less PTO and a lower 401k match. 32F with 400k saved, interested in buying a home soon in HCOL.

Is the GSU price while vesting based on the market rate at the time of vesting or is it fixed based on the stock price during hire date/month?

GBR 959% return lol?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

Can your spouse be employed in Google and getting RSUs?

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

So i forgot to move my 401k over from my old job a few years ago. Never done it since because I didn’t want to incur penalties. Moving job again, can I do it now?

Is there any way to get onsite project in HCl?

After how long we will hear back once online test compelted ?

Started in Tax 1yr ago but was pulled onto PPPConsulting project 10 months in. After PPP I can’t see myself going back to tax. I’ve become interested in healthcare and eventually want to do MHA and go into hospital leadership. Just interviewed for a FA position at large nfp hospital system but also debating shifting to D’s OT health consulting group. I’m a CPA and dk what to pick. Insights? Need to move b4 tax busy season. Consulting starting pay and wlb?

Suggestions to move to a market facing role as a fresh graduate with internship experience in market risk?

When did you know you were falling out of love with your partner? Did you fix it, or break things off and why?

In search of stories to hopefully understand a phase in my own long term relationship.

I heard Deloitte won't apply Green Card till 2 years after joining. I'm 3 years from H1b max out. 2 years is too late for me. Any possibility to get an earlier start during offer negotiation?

Offer included temporary housing and moving expense reimbursement…it’s been a month since I began working and 2 months since I started moving but still no reimbursement…should I escalate this? How long is too long?

I got a job as a infrastructure consultant right out of college 3 years ago and later became a solutions architect at the company I am at now. I have a degree in CS and never really got the chance to use my programming skills (Java, python, Springboot framework). I’m finding that I’m not really in to platform engineering or cloud infrastructure and would like to pivot to software/app development. And suggestions on where I could get started on making this transition?

Hello Everyone,
Can anyone help me from Barclays, what will be Variable component % which is not part of CTC offered.
HR told me Variable component will be over and above CTC offered.

Prolifics as Associate Architect or Swiss re as Associate VP?

8 yrs of experience Back-end Developer!!

Do you add the people you interview with on LinkedIn? During some interviews I’ve had people say “add me on LinkedIn or feel free to connect” I’m waiting on next steps from HR/internal recruiters a couple places so not sure if adding will be weird.

Hello Folks, I have completed my Technical and Managerial rounds last week and got the confirmation from consultancy that I have cleared the interviews and will schedule a call with HR as per availability.
My question is usually how long does Nagarro HR takes to release the offer ?

I’m a graduate student in an MPH management program recruiting for consulting roles. Thoughts on going into smaller firms like ECG vs larger firms like PWC?

My post is targeted towards, Indian Government officials as Business owners are very unreasonable on their demands to deliver and least care about the specifics on scope they want out of software Product. Best example we can take is from Income tax portal fiasco and Entirely blame is transferred on Vendor.
It is portrayed like Infosys is a failure. Everyone knows how successful they are in IT sector globally. It is just at Indian public sector project where they have to face hardship. Why?

How does Accenture onboarding happens?
Mine doj is tomorrow. Yet I have no access to Countdown link. After escalation regarding that issue last week they told me to wait.
Yet till now I haven't received any other communication from onboarding team.

I m bit worried now.

Have 20k, what’s a good small business to start with this fund? Serious question here

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

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.

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Decided to payoff my mortgage.

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Sooo AMC.. who’s in?

😂

Anyone used/using HMBradley before for HYSA? They have a 3% rate which seems unreal in this economy. Just want to make sure it’s legit. It’s seems HMBradley is the marketer for Hatch Bank (FDIC insured). Any other recommendations for HYSA?

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 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.

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

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

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’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

the more I want something, the harder it is to achieve. anyone has this feeling also?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?