Hey everyone! Question on how you manage concious spending plans: do you have separate checking accounts for going out, groceries, etc. if so how do you handle credit cards? Do you subtract the money for each category account when you pay a credit card bill? Seems so complex. Is there anyway to simplify (note: we are a couple with joint accounts)

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.

I had no income in India and was in US the entire year. Do I need to file IT return with 0 income?

MLS or CLS what the catch to travel? What are your pros and cons ?! Who do you travel thru?

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Hello Fishers

Can someone refer me for any of the following position in good Amsterdam based company providing visa sponsorship
- Senior to Lead DevOps Engineer
- Senior Site reliability Engineer
- Senior Platform Engineer
- Senior to Lead Cloud Engineer ( AWS)
- AWS DevOps Engineer
- Kubernetes DevOps Engineer
I have 7+ yrs of experience as DevOps SRE Engineer with tech stack: AWS, Docker, Kubernetes, Terraform, Jenkins, Gitlab, Linux, Python, Java

Notice period: 1 month

Currently at $200K base salary (31M) - after taxes, expenses (including vaca), and savings (maxed out 401K), I’m leftover with $30k-$40k. Is this average? If not, how are ppl saving more?

Will I ever get over my poverty mindset?

I grew up very poor. I get extreme anxiety and shame when I spend money above $20. Deep down I feel like I should scrounge and save every penny. I use bath towels that are 10 years old and threadbare cause I can't bring myself to buy a "luxury item" despite making oodles of money and have a ton saved and invested.

Anyone else get over this?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

My son will be turning 1 soon and I would like to present a gift and thinking of investing on a watch so that it will hold its value 25 years down the lane, any suggestions would be very much appreciated. Budget is around $7k.

Is getting into ARK funds at today’s price a no brainer or still risky? Currently in VOO/VTI and Vanguard mega cap MGC/MGK. I don’t want to fall under the belief of historical performance guaranteeing future performance, but ARK is so appealing

Have you received the salary today? Got the mail now but no credit yet in account 😕

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

Hello! I’m new to the city/country and would love know where can I find a financial advisor that can help me navigate the basics in the US (401k, investment plans, taxes). Is there a profession that could do all those things combined?

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

Would love New Years recommendations within a 90 minute flight from Malaga, Spain. Leaning towards ski towns but open to other suggestions. Anyone have any recs? Thanks!

Just sharing! Landed in offer at AWS over five weeks ago and still waiting on a visa transfer update from US CIS. So many work updates from other folks in these five weeks moving in and out while I am unable to share an update with my folks or celebrate in anticipation of the final approval of the petition. Trying to stay calm and collected, but sometimes it takes a toll

Anyone else has two Amex plat and why?

Chase Sapphire Reserve is not able to book a ticket for me on Air India because the flight is not showing up on their system. The flights shows up everywhere else including on Expedia, which powers Chase’s portal. Anyone had similar experience?

Anyone finding good rates for refis on investment? Got a good rate, 3.335, but the brokers is trying to charge 2% in fees. Kind of kills the deal. The loan amount is only 115k. I’d rather go up to like 3.65 or whatever and not have to pay so much in closing. Any ideas?

When's the last time you've left the office at a reasonable time -- say by 6 PM ?

Is it better to choose Nutanix over VMware, if Nutanix is compensating way more?

Valuations or FDD? Trying to decide which team has the best exit opportunities/WLB/interesting work.

Is taking the bus to work as convenient as taking the tube? Thinking of getting a place that by bus has a lesser commute than train but worried about traffic, frequency, etc. of the bus. Basically 20 mins bus vs 27 mins tube? Thanks!

Hi Fishes,

Request your support to like this post, please help me with 11 likes to enable DM.

Thanks

Anyone open to cat sitting this weekend? Janis is a very social and affection purebred bengal kitten. Hypoallergenic too. We need a sitter Thursday evening through Tuesday. $200 compensation. If interested please reply with location. Hoping not to venture far from Capitol Hill.

For those using voyager, does it take a really long time for deposits to settle? It's been like 1.5 weeks, my cash has been taken out of my bank account a while ago, but voyager still has all my deposits as pending.

I can still trade with the pending deposit, but I'm just wondering since I'll eventually withdraw some.

In the late stages of an interview for an in-house role and just got referred to my ideal role at Google. The hiring manager is very interested. I’m afraid I’ll be in a difficult position where I accept an offer and leave within two months or not accept the offer and not get the job at Google.

What’s everyone doing for St Patty’s ?

Where do those of you over 50 shop for clothes? I don’t need to wear suits as stylish business casual will do. Cardigans make me feel and look old. I need to cover some ankle tattoos when it comes to pants/dresses…. My fellow c-suite colleagues are not as tattoo welcoming as I have been

I’m a scheduler in a major hospital, see my position in other departments being advertised as remote available. How can I successfully negotiate WFH? I’d like to cut down on my 44-mile one way commute.

Background: I’ve been in my position for 1 yr. I have 20 yrs military experience, bachelors in Business. I took an entry level $15/hour job to get my foot in the door. I’m actively looking for a promotion. But 44 miles plus gas & business casual clothing on $15/hour is killing me.

Would you rather have 5x amex MR points or 3x chase UR points for each dollar spent on flights? Why? Company let's me book flights on personal cards and trying to decide which to choose.

Just got a really good offer. Really wanted to stay within my current firm, but they just have made it way too hard recently. Peace out! 🏃🏾

Got an offer for Sr. Financial Analyst for 85k & 10% annual bonus. What's a good counteroffer? I told the recruiter 95k-110k when I first interviewed. This position is 100% remote, headquartered in VA. I live in NYC. Have roughly 2 YOE.

Thanks.

Wednesday Daily Dordle #0107 5&6/7
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It’s 2020. Is a small dainty nose ring still perceived as unprofessional in the workplace? I work in the finance industry.

Anybody working in JPMC project as informatica developer

Are there any expats here?

Hi all! I’m thinking about moving to the Netherlands in a consulting role, currently based in London.

Any advice on whether this move is possible given I’m not currently speaking Dutch? (But super open to learning!)

Thanks for your help!

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

I think I need Ex bankers as friend and accountants. I need people who we can discuss deals in the swift world with from time to time. I need people with great ideas in my life

Anyone else into Bank Bonus churning?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Good credit card to open? Thinking Amex gold - anyone have it and recommend? Or any others?

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Decided to payoff my mortgage.

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

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?

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

Anyone here retire in late 30s or know someone that has?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

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”

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

Do you count your car as part of your NW on Mint/other trackers?