Hey all - in the past two weeks, I put money into my IRA and converted it to Roth for 2023 tax year. The Schwab rep I spoke to said that since I did the conversion in 2024, I won’t get a 1099 for 2023 since they’ll report it for 2024. With that being said, what do I need to report when I file my 2023 taxes?

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Hi All,
I recently learned that we can get our PPF limit from 1.5Lakh per year increased and so does it increase in 80C. Is that true? And if yes, how can it be done?

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

I finally decided to invest in cryptocurrency but not sure how and where to start. I am looking to invest from a long term perspective (5-10 years).

Are there any low risk steady increase options or is the whole crypto currency a high risk game?

(Explain like I’m stupid, because I am, but be nice) Refinancing a construction loan to a standard mortgage loan. Borrower and lender entities not changing. Current UCC-1 filed securing “all assets of debtor” in 2019. Why is it necessary to file a new UCC-1 at closing securing the exact same collateral?

I’m making about $100k a year currently in a MCOL city. I’m single with no kids, no debt, rent is $1k/mo and I’m maxing my 401k and IRA. Would I be a fool buying a $65-70k car? I’m a car guy so I already have a pretty cool car with only 40k on the clock, but have been considering upgrading. Thoughts?

Has anyone used the Warton Group to purchase 401k leads? How was your experience?

NJ Personal Income tax question:
My wife and I file a joint return. We were part time residents in 2020z unfortunately, we both filed our joint tax return. My wife sent via paper and I sent electronically. Any idea what happens now? Can't get ahold of anyone.
To make matters worse - NJ doesn't have a paper part time resident return - so you file a resident and non resident separately. Ours net to a refund but the resident one shows a large amount due and the non resident shows a large cont...

Is there any advantage or disadvantage to maxing out 401k in a single contribution instead of a taking some out of every paycheck

Should I ask for a refund for my Delta flight or keep it as credit that can last til 2022? Delta is losing about 50m a day, so it’s a bit concerning. What would you do?

I make $101K base salary as a Consultant/Specialist at Accenture Federal in Washington, DC. My husband is a teacher making $55K. We’re getting by with our mortgage and regular student loan payments, but it’s not enough to do much else. We also want to start a family in a few years. What move could I make to hit $150K base? So many of you are making unbelievable amounts… I don’t know how to keep up.

Use savings to (partially) pay for business school or invest and fully cover via loans?

Bankruptcy folks: I read that Alex Jones was able to put himself into bankruptcy by claiming he owed a giant debt to a company he controls. Is it really that easy? I would have thought bankruptcy laws would be smarter than that.

Hi! Pretty new to this concept, and really early within my career (only 3 months in). Currently on my company’s 401k plan, contributing well beyond the minimum to receive a match, and maxing the amount I can put in right now (25%). Dabbled a bit in options and stocks in general. Any advice, guides, or starting places you would give someone in my shoes? Thank you in advance!

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 😂

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.

When there is FUD you buy

I’m exhausted from interviewing and caseing 🥵

If you are approached for copy position with a company called LadyBoss... RUN! I don’t know racket they’re running but they set up a video conf with a bunch of copywriters interviewing simultaneously.

Can anyone refer me for the role of Associate Business Analyst at Deutsche Bank, job id - R0170973

What are the fastest growing cyber security startups? What are the most scalable business models?

I am looking for referral . I am around 10 years of experience and can join in 3 weeks

Getting ready to leave my role - looking for community ops, comm ops, member support, account management - anything in those customer facing roles that is paying minimum 75k. Remote preferred, based in Chicago. Background in freight/logistics and healthcare.

Any recs for short term (summer) rentals in Manhattan / Brooklyn? Asking for a friend.

Want to send a thank you gift card to those who wrote me a letter of recommendation. Is $50 from Amazon good enough? From what I can tell, each recommender spent about 4 hours on this. Thoughts?

Thinking about transitioning from advertising (10 years as a copywriter) into public relations. Has anyone in this bowl done that? What types of roles should I be looking for?

Question for 2020 summit:
Is there ever a perfect time to switch your role in an agency (Strat to account, account to creative etc.)? Or do you have to start from the ground up?

I have a 700 GMAT score, is Wharton out of reach with this score? Should I retake it?

Anyone else impacted by the Hilton Honors system issue where status has been downgraded? Is requesting an upgrade to an executive suite for a personal stay a solid request?

Best free data sites to tap into to build a city analysis model? Basically I want to "discover" cities with certain dimensions, like: population, elevation, climate, and proximity to other things (ski resorts, particularly)?

I love lamp.

Happy Teacher's and STAFF appreciation week!!! You matter!!!! Have a great week!!! Blessings and LOVE!!!

That Biden speech was appalling.. How did his team approve a message like this, and what was that blood red background?!

does booking sick date or vacation impact utilization?

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

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Have about 5k to invest - should I do FXAIX or FSKAX?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

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??

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Best high yield savings products?