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? 🙏

Buying a house for ~900K in one of the Boston suburbs - my household income is ~230K. Am I stretching too far?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Curious - Has ESG officially replaced CSR as the acronym for “investing in initiatives to improve our society/world that may not be obviously profitable”?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Has anyone considered moving from NYC to Houston? Any advice of why not to do it apart from the Texas heat. The homes are so much bigger and taxes much lower.

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

What do you guys think about future of NFTs on smaller chains? Thinking primarily about Avax and SOL. Do you they think will blow as well when people understands there are alternatives to high gas fees on ETH? Or will everyone stay on ETH because there where the mainstream is?

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Do you have a financial advisor? If so, what firm did you use?

Anybody have experience with JD-specific mortgage loans? I know BBVA offers one

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?

How do you all make the decision of when to keep hodling or when to sell (or other strategies)? I’m definitely a believer of the bubble, but also think more money can be made...

Taking a personal loan of 20k or more will it affect perm (GC) process?

Any Deloitte people trade on robin hood?

Does EY let you keep Amex rewards points?

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?

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

I use SoFi to consolidate and pay off my mostly private student loans. I’m gonna call to confirm later, but what happens if I’m 2 weeks late on making a payment?

How can I approach my boyfriend who has an alcohol problem to help him get healthier ?

Hello everyone,

I wanted to get into Oracle payroll implementation / consultant . Could you please suggest me what kind of Oracle certification will help me to get to the path. I'm already having Uk payroll experience but in different software.

If Arya Stark from GOT worked in advertising, she would be a strategist...

Hi Fishes, its urgent

Anyone got onboarding email for joining on 10th Oct? The email stated that joining will be conducted from base location which is bangalore. Can anyone confirm if we can attend initial joining virtually as currently i am in Kolkata and also my recruiter is on Leave till Thursday.. Thanks

Is there any sort of job that would allow an employee to fly all over the country on business for their company? Looking for roles that allow me to do that and travel! I’m mid-20s and few years work experience. Tired of the boring and slow as molasses work environment at the bank. TIA!

Hi! Hi! I hope you are good :) I am looking for marketing manager referrals, would you help me?

EY -TAS , S&O . We are hiring. If interested, reach out...

Hi folks,

May I know if Oracle India providing technology services as well?

( Is it both Product and service based organisation?)

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

How bout Montana? Anyone? Remote maybe?

Question for nurses: What do you do and what's your salary range? Still deciding on which area should I pursue. Thanks!

What happens to your shares if you are partially, or not even 1 yr vested at a pre-IPO company and the company goes public? When you continue on your vesting schedule, what price do you purchase your vested shares at?

Presenting data in 2 tables that refer to the same pivot table as source. However, one requires a filter on the pivot table and when filter undone, values change back to original. How to tackle this?

Can someone explain 704(b) in simple terms?

Anyone with two full time roles run into the issue of having conflicting meetings? What do you do?

What are the best cities to live in for FIRE?

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

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?

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

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.

Anyone here from NYC? Be cool if there was a meetup.

Anyone investing in index annuities? Can someone explain why this is beneficial?

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!

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

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.

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

Sooo AMC.. who’s in?

😂

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.

For those of you who made your first million in net worth, what did you do next?

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?

Hi, I repaid my student loan today and feel awesome. Want to start saving for a home ($350-400k). Any suggestions if I should invest in something short term or a Roth IRA or let it sit in my bank?

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?

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?