Hey 🐠,

I am approaching the Roth IRA income limit, and have a pre-existing Roth IRA that was not converted from a traditional account. Is there a way for me to take advantage of the backdoor Roth loophole while funneling the money into my current Roth? Or, do I have to set up a new account, convert it to Roth, and make all future contributions into that account? I’ve already asked my broker, and they have not been the least bit helpful. Thanks!

Applying for Uk visa from overseas- How do I know if I am eligible for IHS loan ( immigration health surcharge) can someone explain this here? Thanks a lot

Just threw the remainder of my life savings on $GME calls. I’ll either retire or restart at 23 🤷‍♂️

Hi All: new to the bowl, been reading thru the posts. Seems that most here advocate using ETFs for their investments? Is this the prevailing strategy now or just the best passive one? Newbie investor.

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”

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

Thoughts on buying Emerging Markets ETFs now, especially one overweight on China.

Been here several years. Only just clicked to me how predatory Big 4 are.

Business model is to use cheap, underpaid labor from college grads who can't go elsewhere or pay debts. Churn em and burn em.

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Hi Fishes,

My wife is getting transferred to California from India and she is offered 143k.

How much she can get after tax deduction and all? How much she can save after all the expenses?

She is insisting that I travel with her and get the job in the US. I'm a software developer having 4.1 YOE. How much can I get in the US? Is it worth traveling with her?

Any information would be helpful, Thanks in advance...

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?

Why do people accrue prepaid expenses?

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.

Help! I honestly don’t know how to get my annual expenses down from 100k

Family of three, biggest expense is mortgage. We eat out 3-5x a month, don’t have entertainment spend, don’t online shop, don’t vacation, one car....

Sourcing creative cost savers!

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.

Please help? For those of you who have added authorized users to your credit cards, what’s the best way to track/summarize the spending? Looking to add my little sister but would like to be able to see her stuff separately from mine. From what I understand, this feature is not “easily/directly” available as a standard offering since everything is clubbed together in the statement. Thanks for your help 🙏

First time trying to invest 4-5k in individual stocks, should I use money in my Roth IRA or taxable brokerage account? I read that if in taxable, I should hold for at least a year. What about in IRA?

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

Hi Fishes/Seniors,
This will be the first time I will be in tax slab.
I have few queries can anyone please help me regarding this.
In ELSS mutual the total we can save save tax is 1.5lakh. Do we need to invest yearly 1.5 lakh yearly to save tax? I am planning to have a Sip of 5000 monthly for 3 years. So total money invested in 3 years will be around 60000 * 3 = 180000.
Will that be sufficient to save tax or Do I need to have a sip of 12000 per month to save tax.

I have an offer with TCS with 19L package.
YOE is 11yrs (I know it's less for the YOE)
With my new offer, if I ask TCS to match the offer to 25L. Will they agree?
Anyone have such stories here ?

Should I leave SAP Basis and start learning Front-end development?
Hi Fishes, I've nearly 2.5 YoE in SAP Basis module and I'm not able to figure things out. We were initially trained on ABAP but then told we would work on Basis. But, on seeing the scare no. of Job postings on Job sites and the difficulty in switching jobs. It seems to be a difficult thing going ahead with Basis. Can anyone advise me?

Hi fishes,

I joined Accenture this week and recived my laptop today, wanted to know what are the peripheral i should receive as my start up kit, i only received a laptop and nothing else like mouse or headphones. Is there anyone i can connect to get clarification?

I heard promotion of higher management is already announced?
When will the promotion of level 11 and 10 will be announced?

Anyone here from Accenture Operations?
What is the avg hike % in Base Pay?
What is the avg Variable Pay out %?
Level 9 & 8.

Went through a great interview process for Azure and recruiter offered a 65 at around 350k TC - where does this fit in the typical band for a technical job family?

Are there any Data Engineers here who could share how did they get into it? Because there are very less entry level Data Engineering positions. Most of them require experience of at least 2 years.

Why does it seem so hard to break 200?

Is the working hours mentioned in my workspace correct? I have recently been allocated to a project and it shows timings from 11 pm -9 am..

Almost 4 years ago I was hired to do payroll for 1099-NEC independent contractors (1 of 2 people for my location) . Since then, I've learned a lot about the industry/business & terminal operations. In my "education", I've also taken on many tasks/projects outside the scope of the original duties. Trying to think of an appropriate title that I can suggest to my boss during my raise discussion. Here are just some of the things in addition to payroll that I do: (continued in comments)

Smart people who know about technology: 🙏🏼 I want to get 11.5-14 inch monitor to add to my (1) laptop and (2) second monitor.

I’m worried about the monitor having a high “processor” and slowing down all my programs (including the program I use to login to my office desktop). Can someone point me to a monitor that may work?

Recommendations for lightweight low maintenance versatile blazer?

Is anyone applying to in-house jobs and wondering how to find out salary range before investing too much time with interviews? I would like to avoid asking about salary up front but I don’t see any other way to find this information.

Are we getting paid tomorrow since it’s a holiday weekend? I believe Juneteenth weekend we got paid on a Friday even though pay day was Tuesday

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

Just bought Square stock. Thoughts?

What is the benefit of consolidating 401Ks into one account?

Do banks offer referral incentives of you refer someone for a mortgage? They do for credit cards, but just curious if you all have seen anything like that with loans?

Has anybody transferred 401k to RRSP?

High risk, low reward investment ideas?

Does anyone have recommendations for an accountant (CPA)? I feel like word-of-mouth is going to be better than all the googling I’ve been doing. I’m open to having an accountant not in the state I live in, but preferably east coast. My last accountant was not great and super unresponsive (Google was not helpful even though they had great reviews...) This year I’m going to need a decent accountant for tax planning purposes as my taxes will be more complicated. Feel free to DM directly

Very basic question, newbie here: how much does EY contribute to a 401k?

X Financial (XYF) - China-based company - IPO tomorrow. Who is buying?

How is everyone feeling about the market today? Buy? Sell? Wait?

Have 1M sitting in cash. Would you dump it all into VTI or DCA?

Took a lump-sum pension payout from my last employer and looking to deposit the amount into an IRA account at Fidelity. Hoping this knowledgeable community can guide with couple of questions I have:
1. What kind of IRA should I open at Fidelity - i) Rollover IRA or ii) Traditional IRA?
2. Is this transaction considered - i) Direct rollover or ii) 60 day rollover?

I feel like I have no idea what I am doing when investing in stocks/real estate. Any recommended books/videos? Thank you

Currently have excessive savings. Is now a good time to invest in general S&P funds?

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

New year res is to be involved/learn about investing. Starting point is to find somewhere to park my efund/ savings for house somewhere short term....CD? Mutual Fund? Something else? Working with ~22k

Need help. I have $13k saved for my kids age 6, 9, 10 in just a high interest savings account which actually decreased to only .50APY. Looking to move it or do something with it to help it grow more than a few bucks a year. What are my options? Not sure if they'll go college route or where life leads them. I'll be adding approximately $300/month this year to the savings.

Have about 10,000 USD in BOFA savings drawing like 0.1% Interest or something. Is there a less risk, decent return option? I can put this away for a month or more depending upon to return

Good time to short park hotels & resorts (PK) ?

EY audits GOOG, AAPL, AMZN, FB and NFLX..what to trade then ?? 😞