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? 🙏

If I max out my 401k before the end of the year, I am still eligible for employer matching?

What are some good modern/post-pandemic personal finance books you can recommend?

If anyone here is wondering how to best use their GI Bill... I HIGHLY recommend using the GI Bill comparison tool. Has anyone else here used it??

I’m a first yr in NYC biglaw (2nd yr in Fall) — is 3.2k for one bedroom in BK (think downtown BK, carroll garden, Williamsburg) too much? Always have lived in manhattan so I’m not sure what reasonable rent for one bedroom in BK is.

I have a 2017 Hyundai SantaFe XL SE, 32K miles. End of lease is coming up buyout price is $19.5K. Should i buy the car and sell it myself OR the hassle doesn’t worth it, just return it? The car is in great shape though.

Anyone been able to work from Dubai for a UK/US firm and benefit from no taxes? I know if you are a US citizen you pay taxes where you are globally, but if you are British, then you only pay income tax on UK income - so if you live more than half the year abroad you are classed as non-domicile resident, but wanted to hear if anyone’s done this or heard about it?

Which credit card do you think is the best for ME consultants?

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

Hello guys,

How much % of salary do you save?

While mentioning %, please let us know if you are married/unmarried, pay rent or not.

Just want to know if 70% is enough for a single man who does not pay rent. Or am I saving less money?

Is only long debt debt considered in the cost of debt for WACC or do other short term liabilities matter as well?

I recently was let go (in lieu of accepting my two weeks) and I should have received my March expense check by the end of April per the employment agreement (submitted the report April 1, let go before mid April). I have emailed HR but haven't heard anything. I've got a feeling someone at the top is putting a hold on it.

How do I get my money from them? It's a few hundred dollars

Sorry if this isn't the right bowl for this question - I've checked a few.

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Anyone trade stocks on the side? Not at a day trading level, but not buy-and-hold either...more like aim to hold 5-10 stocks at a time for 1-2 months and earn a decent short-term profit (10-15%).

Hi. Does anyone remember the provider of our 401k and wealthbuilder? Trying to rollover accounts but benefits express is closed!

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

From stocks to crypto to NFT, which is the next big investment opportunity where we could be the early movers (investors) and make great returns? Love to hear them.

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Any recommendations for buying agents in Massachusetts?

Can we just take a moment to recognize how great of a human being Dolly Parton is. She knows how to do good with her wealth.

Let’s say you have two young, high income partners in a couple who want to buy a house together but don’t really care to get married. They already live together in an apartment but both want to move to a house to build equity and have a yard, not share walls, etc. Should one partner buy the house and the other pays rent until they get married, or should they get a mortgage together without being married? I realize there isn’t a “right” answer but I’m interested in people’s experiences here.

Is there any profile which is based on purely SQL and nothing else, no excel/tableau/powerbi task.

Does anyone know anything about a firm called Lee Smart in Seattle?

In how many days we receive salary slip as I have received my first salary.

After nearly 20 years in the military serving in T&E and HR roles, I’m considering moving on and have been conducting lots of research into consulting. BS, MA, and SPHR cert - no MBA. I’m looking for suggestions or advise about transitioning. DC Metro area is likely landing spot.

Bhai log kaisa hai Accenture? Got level 10, security family group hai. Bata do jara doston thoda ghana jo bhi pata hai, dua dunga.

Hi,
Anyone here about to join Accenture Gurgaon on 14th of November?

Is there such a thing as bike etiquette when locking your bike??

For example when there is a bike already locked to the post and you want to lock your bike but it's a tight squeeze because their wheel is in the way? Do you find another post?

What is the approx income (to be expected) of a 5years experienced Devops engineer in Singapore?

Looking to help anyone evaluate their offer letters. Feel free to DM our company works with many businesses and candidates to negotiate salaries

In a Big4 deal Analytics group that’s not premier with no path to partner... should I try to move to MBB/T2 to gain traditional consulting experience or try for tech/FAANG... I just wanna make money

What is an IBM principal title equivalent to at a big4?

Favorite law firm Instagram account?

My coworker always takes a super long lunch. How does he have the time to get anything done?

Traveling to NYC soon and I wanted to know what restaurants are worth visiting... I feel like I have high standards working in the hospitality business!

US peeps, what are you doing for thanksgiving?

Do you have a mentor? I’m in the autumn of my career and I’ve had a  modicum of success in production and it’s time to give back.

How are classes built at your school? Do teachers build the classes, or does admin place all of the students?

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

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!

What stocks are you guy guys buying right now in this market?

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.

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

Currently making 70K and I usually up my contributions each to start each year. I'm up to 10%. How should I split up my mix? Currently all in traditional.

Plan is to get this higher as I eliminate debt but 10% is all I can afford to do for now

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

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Any disadvantages to buying VTI (manually) vs. VTSAX (automatically)? Apart from convenience/removing emotional decisions. Fidelity charge $75 to buy any amount of VTSAX. Seems insane fee when you can just buy VTI for free. Am I missing something here?

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Anyone a CFP as a side hustle?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Are we on recession? My portfolio is super down - low cost ETF investor here

Has anyone used Motley Fool’s stock advisor program, and found it helpful and worth the membership access?

I’m curious why more non-US citizens interested in FIRE don’t go live in a no/low tax jurisdiction even for a few years e.g. Dubai, some Caribbean islands. I get that some people will have family circumstances (e.g. elderly parents to look after) so it won’t be possible for them, but for a significant proportion it will be an option

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

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 consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

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?

Best options (companies that provide) term life insurance outside of work? Please advise - looking to get this done this week for wife and I