Hi all, my wife and I are looking to house hack in Seattle. We would like to Airbnb part of the property in an ADU or like an almost detached basement. Does anyone know which area or suburb could be good for this? Thanks in advance!

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I'm not a fan of realtors fees generally,
but this seems like a task for which a lo al realtor would be invaluable.

I have seen the most of these types of properties over the past 6 months in the Columbia City area but that’s also a neighborhood I’ve been shopping around for myself. Redfin has a guest house filter or you could try keywords and save as searches to get email notifications.

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Are all 529 plans not allowed if one makes partner at PwC? Seems like everything is showing up as not permitted on independence checkpoint.

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Let’s share with each other how we are making or planning on making that income .
It is a strange time we live in but it’s time to hustle up .

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Need some help fam - I live in Colorado, but have a job "based in San Francisco" so working remote. I'm paying Cali state taxes/ deductions. Will I get the excess back when I do my tax return for 2022? Will I get penalized in Colorado?

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Sitting on cash to put out a down payment in the next 1-2 years. What are the best HYSA or liquid ETFs you would leave this in so it's not earning 0.000%? Have accounts with vanguard, Merrill edge

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Got my first job working retail! I'm so excited. I'm only 18 and I know it's not that much but I'm happy that I get to earn my very own money.

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Maybe a native question here,
If we leave 6 month worth or emergency fund and put the rest into investment (say 30%debt and 70%equity).
Isn't it very scary during market crash? (Your equity is basically untouchable unless you are calling it lose)

Yet still so many advices to put all in on VTI/VOO? How do these two thinkings reconcile?

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Due date for filing IT returns is tomorrow.

DM me if you want a CA's advise and assistance in filing Income Tax returns.

~Nominal charges involved

Spouse and I max 401k and just started maxing back door Roth IRA. We’re still not close to putting 15% of income into retirement savings each year which I’ve been told is a good target %. Any other tax-sheltered retirement options we can consider with any additional savings to get closer to 15%?

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Turbotax or HR Block for taxes and why? First time filing without my parents. Nothing complex just taking the standard deduction

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Let’s do this today…just for fun

List of credit cards I have and their limits
Hsbc platinum: 1.80L
Hdfc Millenia: 4.80L
SBI lifestyle:2.25L
SBI FBb style up: 75,000
RBL paisabazaar duet: 1.87L
ICIC rubyix Visa card: 12.20L

You guys can share the same if you would like to

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Has anyone invested in TIPS (Treasury Inflation-Protection Securities) before? I’m considering opening an account for my children and have read something about interests from TIPS can be exempted from federal income tax if used for higher education. What’s the pros and cons of investing in 529 vs TIPS? TYIA!

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1031 Exchange and Qualified Opportunity Zones Investment - Any advice on investing gains into Opportunity Zones vs purchasing like investments? I’m new to 1031 but would like to defer taxes on a $230k gain.

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How much should a work from home auto adjuster be making? Would real property or commercial be more promising?
I don't know if my income can handle waiting 4-5 years to move up to management and honestly, I like handling claims. Where is the money at in this because I know alot of people are really making it. I'm at 46k a year and a top performer. I want 65k soon and ultimately want to be at 80k in the next three years. My family needs it ....

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Crypto gurus - I have been living under a rock and just starting to read up on this. Any pointers to get started with investing in crypto currencies?

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Hey Big 4 Partners, given independence constraints, I assume you buy investment properties. do you believe this to be superior to buying stocks, and what do you do to educate yourself in this process?

Guys can you help me understand this LTA reimbursement?

If I declare a certain LTA reimbursement, will it be reducing my inhand now? Or is it like during filing ITR next year if I show traveling bills I can get deductions in my total income tax?

My total fixed is 22,05,000. How much should I assign for my LTA reimbursement?

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Are profits from selling Accenture shares, bought on ESPP, subject to capital gains tax?

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If I live and WFH in WA for a job with headquarters in OR, does the typical taxation rule apply? Or do WA/OR have agreements about this scenario? I assume OR only taxes income on days worked in-state, but want to be sure before I accept a job.

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AC Bangalore folks, can anyone check if you can login into paramount portal? I am getting ‘Window Period Closed’ error. Also are you able to download the e-card for dependents?
NB- This is the worst TPA portal I have ever seen with no online claim submission, claim tracking or any detailed policy details

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Anyone else seeing the run old gold and hype around it similar to the bitcoin hype at its peak?

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Can someone please help me with a referral to a program manager role at Splunk ?

Here’s a picture of the beach to get everyone in the mood for the weekend :)

Happy Friday and please help me DM by liking my post

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Anyone need a McDermott referral?

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Anybody here buy a rowhouse with a basement rental, live in the basement and rent out the upper floor? I only see the reverse in DC.

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Any idea why the FMCG firms don't recruit from from outside FMCG? Even if you are a brand/Product Manager in another Consumer Products firm?

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Hello Guys, I am basically a mechanical graduate and works in an operation and management role with 4+ years experience. Due to my passion, seeking to study a PG diploma course in mobile and web development as an international student in Canada. Can you guys share your opinions and view.

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Another 14 hour day. Haven’t eaten dinner. My friends and family are worried because they never see or hear from me anymore. No clean clothes. I want to cry.

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Any recommendations for good sales courses / books to learn or be better at "how to sell"?

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Book recommendation: can anyone recommend a good leadership book for aspiring (not current) people managers? Perhaps on how to get to the leadership level, or how to lead effectively as an IC. Cheers!

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Do tech earnings cap out around $500k if you don’t make director/VP? Tech seems like the right move for money at lower levels but I’m concerned about the earnings ceiling especially since it appears to be much harder to make senior management roles in tech than in consulting.

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Do you guys take a warzone break during lunch?

I just moved out here, any suggestions on places to go to network professionally?

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How do you all manage exercise and meds? I take vyvanse and have a peloton, but am kinda scared of the heart rate increase combination. I find the vyvanse takes about 2h to kick in and so I try to take it by 6am otherwise I’m dealing with the “hitting me” feeling when at work (which has resulted in some really embarrassing situations). In the evenings, I’m so hungry that a workout is harder to do plus you never know when the work day will end!

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Well here is a new issue I am troubleshooting today. We have an ADA reasonable accommodation request for gluten free cookies at the reception after the holiday talent show for an employee with celiac disease. I think we might be required to grant this request. Employee has the same right to access the benefits of employment with us as everyone else - here that benefit would be baked goods at the reception. I suppose celiac impairs a major life function - eating, and is a disability. Thoughts?

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Need your help!
Got my h1b last year 2017. I hvnt stamped my pp as I hvnt been out of US since then. Planning to c my family back home but got to know many are denied h1b stamp in interview. Any idea?

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With the Deloitte layoffs looming, who’s got the best summary of DC employment law!?

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What are some indoor/At Home things you do over the winter to improve? I don't have a net to hit into, and my ceilings aren't super high so full swing in the house isn't an option. Any suggestions, or am I S.O.L.?

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Hello,
Anybody who can guide me into getting a job into Salesforce field in Toronto, Canada

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How do you go about finding a roommate? I’m a (about to turn) 24F and I have no idea how to find someone who is normal and not old lol

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Looking at a breeder for a golden retriever who performs OFA and PennHipp hip and elbows testing, but did not perform testing for heart and eyes. Is this a red flag or seem okay?

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Additional Posts in FIRE Financial Independence Retire Early

Has anyone invested in TIPS (Treasury Inflation-Protection Securities) before? I’m considering opening an account for my children and have read something about interests from TIPS can be exempted from federal income tax if used for higher education. What’s the pros and cons of investing in 529 vs TIPS? TYIA!

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Making 90K in Texas, it’s my first job out of college so I’m not sure of best retirement plan: should I max Roth 401k or Traditional 401K?

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How much do your children cost on average per month? I’m childless and trying to do some FIRE calculations, but have no idea what kids expenses look like. I’m LCOL currently.

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I am 56 years old. My financial advisor has suggested that I create a charitable remainder trust as a tax planning strategy to address $1M in unrealized gains and also allow for tax deductions. I am concerned that I will out live the trust and there will be an excessive contribution to the charity rather than my heirs. While I want to be charitable, having too much go to the charity is a conern. Any suggestions ?

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What is your age and how much do you have saved across accounts? How much do you think you will need for retirement and at what age do you plant to retire?

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Thoughts on whole life insurance? Worth it?

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Looking for suggestion best ETF to buy right now including crypto & EV

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I want to put some money in crypto..set it and forget it. I dont have any right now. I got a big 25k bonus so wondering how to do this. I dotn want to do crypto on a regular basis. Just one time so I dont feel I missed the boat. How much would you put in if you were me?

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I am in my early 40's and have about $300K invested and some in cash. I have $70K in credit card debt (no lavish lifestyle, just 2 bouts of unemployment and some major medical expenses, even after insurance).

I live below my means, LCOL city, used car, max my 401K, save my bonuses, etc.

I am going to get a large bonus where after tax, I'll get a couple hundred thousand.

Should I prioritize pay off all credit cards or pay down half/some of the cards and use the rest for a house down payment?

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Unpopular opinion: the FIRE community is contributing to an unhealthy workaholic culture as we forestall healthy work-life balance in favor of reaching our “FIRE” numbers a few years earlier. As a result, work culture is becoming all the more intolerable as the bold few would-be advocates for work-life balance are sucked headfirst into the rat race, and no one is left to fix things from the inside.

Society overall would be better served by a more community-minded approach to work-life balance.

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26, have about 330k with about 8k of fun money. Thinking of throwing most of it into crypto. Is that a bad idea with crypto being so high right now?

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Does anyone here follow the Financial Samurai blog? Is so, what do folks think about his numbers for "average net worth of the above average couple"? And how does that jive with the FIRE principles/mindset?

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Yeah! It includes my primary residence and rental property so not quite FIRE ready but well on my way! 34F DINK.

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Friends I’d love some help- Finally had a transparent convo w my parents about their finances. They were hit very hard in 2008 in their mid 50s, have recovered a bit but now they’re 65+ and need some advice. They have roughly $250k home equity (and ~$230k mortgage at 3.1%). $90k cash. Then $250-300k in IRA (80/20 equities/fixed income). Get ~$4k/month combined social security. No long term care insurance. Use Medicare + pay $250/month for supplemental health care. Cont in comments

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Should I throw my entire $6k of Backdoor Roth contributions into VTI or DCA in case of market downturn (ex: $2k per month)?

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Has anyone here committed to a partner who has significant debt? My partner of over a year has >$300K in debt from med school. She has since quit medicine, due to a toxic culture that sounds worse than biglaw. In the last year she started earning enough to refinance her loans into a 10-year horizon. I am fortunate to be debt free and am saving aggressively with the aim of making a down payment on a NYC apartment in the next 5 years. We would like to get married before owning property (cont)

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What’s a good budget for a king size mattress? $160k salary if relevant.

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Does anyone here have experience with filing a FINRA claim? Learned that an elderly family member put their entire life savings into Primerica (scam investment company) and had lost hundreds of thousands of dollars over the past 10 years in what should have been a great market. Much of the lost money is due to numerous load fees, and really ill-advised funds in energy sector. Wondering if there are courses of action this family member can take to try to recuperate some of the lost money.

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Personal finance book recommendations?

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