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? 🙏

Well I really like a growing economy...but who cares as long as I get my taxes reduced?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Anyone know where/how to go about getting L/VL/VA CE credits form insurance carriers? Anyone have some specifics?

Hey guys, Can anyone please tell me if there is any restrictions on SPI in mutual funds in MS for employees.

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Balanced portfolio: hows’s your stock: bond ratio? Within stock , which index funds do you invest ? I have mostly invested in vtsax and vigax, and tiny percentage in vviax. Do I need to increase in vviax?

Which bank account is better for salary account?

HDFC
Axis

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

What are some side hustles you’re doing? I’m looking for ways to make additional money.

What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

BTCS penny stock in the move today. Thoughts?

Anyone know of any standards, or have any opinions, on naming in-house counsel as a named fiduciary of their company's 401k plan? Pros and cons?

Anyone uses lykke wallet to buy crypto? Your feedback on it?
Or is there any other cheaper place to buy?

What happens to BFT when PSFE ticker is available for trading?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

What is the most difficult part of buying a home for the first time?

Is anyone holding didi shares? I’m trying to figure out what happens. If they delist, then list in HK, are shares converted? If I want to sell, how would that work? Do I need to open a HK bank account? Are there unique tax implications? Etc etc.

Which crypto coins are you putting your money in?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

Dear legal recruiters who used to work as attorneys: are you glad you made the switch? I think recruiting could be fun but I know how much I ignore recruiter emails daily so it makes me think it’s touch to place people and make a consistent income. Thoughts?

Going through first full cycle with EY as Advisory PI Manager in Tier 2 city.

What in your experience is average raise for high performer vs meets expectations?

Is MBB and management consulting losing its value among young people as employer? Since i noticed majority of young people currently want to work for FAANG, startups, crypto, Unicorns, want to open their own things, etc. I guess in 2000s and 2010s consulting was a top choice for graduates. But what about now? Would love to listen to your thoughts and observations on that one

Hi, anyone here that can give me a hint about compensation for VP at Capgemini Invent in Europe?

I asked for a counter offer at Tiger and they say pls join the other company ..... even if u join Tiger your doj will be pushed by a month.
Did anyone also get this kind of answer.

Hi All,

My sister is searching for a job. She is currently working as PMO in Infosys from last 2 years (she has only 2 years experience). Can someone please provide referral for PMO role in Capgemini Pune?

Thanks in advance... 😊

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

I NEED MORE PLANT PICS ON HERE!

Hey 👋 just joined here and my second post . I started my construction business now for over two years working on residential renovations and looking to make the jump to commercial construction! Looking for a mentor who is knowledgeable of Commercial construction and can help me understand the ins and outs of the industry here in San Diego. Please reach out if you’re in commercial industry and would like to help. Would be greatly appreciated 🙏🏻

How do you deal with anxiety before a big presentation? I really struggle with this and want to get better.

Hey team! So I was laid off from my SDR position about a week ago. A couple months back, I had an offer for a BDR position that I ended up turning down but I really liked and connected with the manager. Is it worth it to reach out? I applied to other positions in the same company. What about reaching out to previous co workers at a different company? Not sure how to navigate this… please help. Also I’m sorry if this is the wrong bowl to post in.

What happens to BFT when PSFE ticker is available for trading?

What aspects of international development are you most interested in and what plans do you have to make the switch (for those that aren't working in this space yet)?

HELP...New Term...New Kids...Day 3... 1 kids is on Remote Learning with no home internet...I need 10 days of unplugged activities...he is in 6th gr...TIA

Anybody here at Barclays Corporate Banking in NYC? Need advice and numbers..

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

I hope I don't sound foolish, but I was asked to "please attach a CV?" What is that?

What is the most difficult part of buying a home for the first time?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

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

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 can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

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!

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.

Anyone start later in life? About to turn 32 and my retirement savings are sad.

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”

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

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

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?

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

Vtsax vs fxaix?

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?

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

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)

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