Hey there! First post (woo!). I’m just beginning to dip my toes into all things personal finance. One thing I want to nail down is a simple DCA-based 3-5 fund portfolio that I buy consistently and hold forever. So... What are the ETFs / index funds in your 3-5 fund portfolio, and why? Thanks!

Totally, new to cryptos and thing of buying partial BTC. Someone told me BTC sell is hard and different from stocks. Is it easy to sell ? Is there a thing like someone should be there to buy a BTC in order for me to sell? Can anyone pls explain crypto trading?

What is the Deloitte MSP Team? Is it consulting?

So spent the last 30 hours working through this trying to books with points. Still nada. Anybody else have luck?

Next year, my wife and I will make $219,500 between us. If we contribute $15,500 to a traditional IRA, will that bring our MAGI down and make us eligible to contribute to a ROTH IRA as a married couple?

Anyone familiar with nanny taxes?
We've always just paid cash to our previous nannies and our new one is requesting to be paid via a W-2.
That will force us to pay additional 7.5% in FICA as employers.

Can we pay her on a 1099? How does that work and do we have to contribute anything ourself if we do similar to W2?

Please keep unhelpful judgments to a minimum regarding us trying to pay cash

Is there a way to Pay rent via Credit Card without paying the convenience fee?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

I know money is relative but at what stage in your career did you start making and saving the big money (saving much more than you could spend)? I am not a big spender but....

Are Vanguard target funds good options to invest my 401k money in?

Recommendations for tax filing in Chicago downtown?

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

Hi Sharks,
Till last July I was earning 12 LPA, now I switch to a product based with 30 LPA. Where 27 is the base. Monthly I pay 45k tax.
Things that i am doing already is LIC = 40 k , SSA= 50 k (for my kid) and tution fees = 25 K .So altogether withPF other superannuation fund I can show 1.5 Lakhs in 80 C.

Apart from this planning to buy flats or small villa in chennai. I can pay invest more as my most money goes as a saving or buy gold as risk free. Please advice wat else can i do? Kindly

Here’s a point of reference on meme stocks for people who thinks it’s too late to get in or who think it’s close to peaking. Tesla: 948M outstanding shares; market cap: $837B. GameStop: 69.75M; market cap: $5.36B.

What’s a reasonable salary/compensation package for a Director of Asset Management in San Diego, CA?

Hello everyone!

We (I and wife) are looking to buy a 2+ bed condo in Chicago area by this September.

We are doing research pretty much on our own for the houses. So, I am looking for any references for buyer's agents who could offer us good commission rebate and help us with just basic stuff like paperwork and reviewing disclosures etc.

It's super frustrating to be "time poor".

That's seemingly just the nature of working in Biglaw.

But every day you have the option to buy back your time.

How do you buy back time?

It's simple—by saving and investing.

And you don't need to be uber wealthy to regain control of your time.

Consider this…

Does anyone have any experience with B2B buy now pay later? While I understand number of SMEs and volume of online transactions are important drivers, keen to hear different perspectives incase I’ve missed anything vital.

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

How much is my eye Dr. paying the general manager

other than Big 4, what other firms have good FDD groups??

why do i struggle when my s/o isn’t texting me? ik they’re not cheating on me, ik they still love me, all that jazz.

but for some reason i’m not at peace when they take some time to themselves.

any tips or advice?

Are there any industries where in-house hours are generally worse/better?

What about Ireland people on split contacts?

Trying to learn how to automate work using python. The specific task I wanna do is using information from a different webstie to create zendesk tickets. Any good resources I can use?
Thank you

How many years did it take you to get promoted to senior software engineer?

Hello community,
Why the hell consultants are asking for pan card no. On just first call 🧐. Is it a scam. I had seen a mail asking for pan card no. , I mean it is totally related to my account. We have different ways to proof our identity.
Anyone hr community please bust that thing here.

I applied for a job within my unit that I do not qualify for. Now, I have an interview for this job. Me knowing I do not meet most of the qualifications for this position has my imposter syndrome thinking I shouldn’t even do this interview because it would be a waste of time. Has anyone felt this way?

Hello, I’m about 3 and a half years as a clinical data manager. Does anyone have any advice in how I can progress my career?

Shout out to @nonequitypartner. We see you. Keep up the good work, and pls fix, thx.

Anyone recently completed their visa process with PwC? Please advise on time taken by PwC for CoS alone and overall visa.

Can H1B employer be changed when person is in india. ?

Filed for H1B extension cap-exempt. Extension got approved. Not stamped yet. Now I am moving to jpmorgan. JPMC ready to send USA after one year if H1B can be utilised. Wanted to know if H1B employer can be changed in india (unstamped visa). ?

Cleveland job opportunities?

Have any of you enrolled in or completed the Penn MCIT program and be willing to chat about your experience?

Are internal lateral moves always a huge pain?

What's the slab for Manager Level 2 or Level 3 in Taxation? Does it crosses 30-32L?
YOE - 10+ Years

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

Thoughts on a HYSA vs Vanguard Money Market Fund. Most HYSA are at ~1% and Vanguard MMF is at 1.3%. Should I park my money in a MMF long term, even when banks raise their interest rates?

180k base in CA: Is 1500/month net saving goal too aggressive?

Considering adding a REIT index to my lazy portfolio allocation for my 401K and Roth Accounts. Thoughts?

Probably a stupid question for most of you, so apologies: if I invest $10k in stocks/bonds combo, make $400 profit, and decide to withdraw 10k after 4 months. Do I pay taxes on that or taxes kick in once I go above the amount of $ I invested?

What's your target retirement savings? Target age? Combined or single?

Next year, my wife and I will make $219,500 between us. If we contribute $15,500 to a traditional IRA, will that bring our MAGI down and make us eligible to contribute to a ROTH IRA as a married couple?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Are Vanguard target funds good options to invest my 401k money in?

Does anyone know of any first time homebuyers programs/grants that help with initial costs available in the state of Virginia?
Did a quick Google search but only found one option.

What percentage of your portfolio is active v passive? 29M - no mortgage kids etc - currently have 85% in low cost index funds and the remaining 15% in active ETFs and stocks. Curious how others are approaching this topic

Tempted to buy DAL! Pros/cons?

New start coming out of undergrad - other than maxing out 401k contribution to 18.5k in the year, what other low hanging fruit should I get? (I.e. I’ve heard of a Roth ira but not sure what it is)

Hello Fishes!

I’m in my early 20s and would like to get some ideas on what would be the best way to start investing? I have 10k for Emergencies, 20k in HYSA. And extra 10k to play around with. I’m already investing in my 401k up to my company’s match and planned on maxing out my Roth eventually…but would to know what are somethings you are all doing for investment.

Thank you!

What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?

How do folks feel about I bonds right now? They’re earning 9+% at the moment.

is it better for me to invest in the stock market through a brokerage right now, instead of increasing my roth 401k?

What are things to know about buying and operating a laundromat?

Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best? (From UK)