Hi 🐠, at what age did your net worth hit $1M? $2M? $3M? And what did you do for a living to hit those numbers?

I keep hearing the first million is the hardest, but hoping for some anecdotes!

Decided to payoff my mortgage.

I just joined the bank and was wondering what the deal with the Health Care savings account is. It looks like a flex account rather than an HSA?

Is Estate taxes usually significantly tested on REG? Just wondering since it’s going to get eliminated for exams post July 2021

Does anyone have any YouTube suggestions to learn the details of option trading? Or a good resource to learn about them? Apologies if this is out there...I couldn’t seem to find any threads on this

Has anyone been told they need 25% down for a vacation home?

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

FL peoples: I signed a lease for a new place to start May 1 as my current landlord sold the unit I'm in. Turns out, the buyer wants to keep renting the unit and asked if I want to stay. Of course I want to stay. My new lease hasn't started so I'm pretty sure I can easily back out. For the new lease, I'm still pending full approval from a condo association as I have to do an in person interview. I have paid first months rent in advance. Is there anyway to get that money back?

Used savings to pay for business school, so now that I graduated I’m rebuilding my emergency savings. Do I both save and invest in Roth each month (in addition to 401(k) contributions) or do I put everything back in HYSA?

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

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?

Tax planning

Anyone has innovative ideas on how to reduce federal and state income taxes? I am in CA and my sources of income include salary, rental income, and some business income.

I already max out retirement benefits (401K, IRA, SepIRA etc.) and we have no kids.

Will I be overpaying, if I get a 2017 Lexus RX350 AWD with 49.5 K miles on it for 32K out of door from a dealership near me? This is my first time buying a used car and also anything outside of a Honda. All insights are appreciated.

Let’s talk finances. How are you all paying for this? Loans, I assume, but any strategies?
In early 2021, better to try to max out retirement accounts to maximize financial aid or to just start saving?
200k is so much.

Thinking of moving $10,000 out of savings into a Vanguard mutual fund. Any recommendations for allocations? This $10,000 would most likely be used as part of a house down payment in the next 5-6 years

To take advantage of the next big economic downturn, should I set up a Robinhood or Charles Schwab account?

Those who moved nyc to nj- assm min change in rent, how much did you save on an avg cause of taxes etc.?

Is it worth to keep being a small time real estate investor? Two homes, 600k value, 300k equity, combined monthly cash flow only $1100.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

When does the recruitment cycle for the top20 firms end? I applied to many, heard back from one(which i later got rejected for). Do i still have a chance of hearing back?

Hi fishes!

I am seeing too many post about awards like rising star, Kudos, etc. People keep telling there managers recommended them for these awards.
My manager doesn't interact much with us. I consider myself as some one who has worked hard for project and other intiatives. Should I ask my manager to consider me and if yes how should I initiate it.
Part of MC team.

Thank you.

What are your tips on convincing a fellow employee not to switch agencies? I really don't want to compete with them

I have a terrible voice that fluctuates between sounding confident to flat toned and then using fillers while I’m thinking, i.e., uh um. Does anyone have tips to improve my communication skills so I sound more polished? Things that have worked for you? I feel I’ve performed poorly in interviews because I hem and haw too much. So annoyed with myself.

I have my exit interview tomorrow. Any tips? Have any of you written down what you wanted to say? I’m leaving advertising and moving so I’ll probably never see these people again.

Anyone else anxiously waiting for the DV lottery results so we don't have to deal with the visa BS ever again 😬

What is the Salary for an Assistant Manager?

At what point in my career as a receptionist should I consider asking for a raise? After one year? After five?

what's the best lesson working in the retail industry has taught you?

I have about 10yrs of customers service experience. I'm looking for work, but I'm always getting minimum wage for this position. Should I change career path? Or is there a job for customer service that actually pays well.

Looking for a global video transcreation company to take existing videos in English and translate, re-edit and add any other necessary tweaks. Any of you fine folks have any recommendations? Peace to you all

Do your managers expect you to respond to their emails immediately, regardless of the time of day (or night)? My manager freaks if I don't get back to him asap

Do you factor in career trajectory and earning potential when finding a SO? Is it so superficial that I care about these things?

I believe improving one’s sales conversion rate is something everyone want to improve but no one wants to admit they would like to work it. Funny how lawyers will spend thousands on seminars to improve trial skills. But this topic is not discussed in our profession. I have read books in sales. But am unable to find any for lawyers. I want convert every lead I can. Does anyone have tips, books, cle’s or studied this topic?

Why doesn't my wife get that it's just me and the great dane now. She making this awkward wanting some room in the bed.

Any recommendations on relocating to Hawaii? I am registered for the Hawaii bar but currently based out of Los Angeles and practicing in California as a licensed attorney.

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”

Any suggestions for joint investment account with a significant other?

Where online can you invest in rental properties/real estate as a non-accredited investor?

I read these posts and what numbers you have with FIRE. I don’t have nearly that much saved; I am paying for two kids in school (college). What is the minimal amount?

Anyone know of a good cross-border US/UK financial fiduciary?

What do you want to do when you reach FI?

401k Roth or traditional 401k?

I’m a renter with 10 months left on my lease. Have an option to invest in a 3 unit property with someone who would live in one of the units. Would it be a bad decision to invest but continue renting?

Learned on the day of the deadline to enroll, that my partner's employer offers voluntary participation on a deferred compensation plan. First time I hear of such a benefit/option after working for years! Any general (i.e. not plan-specific) lessons-learned, gotchas, pointers to offer as we will have to quickly decide to enroll or not?

TIA!

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

Anyone a CFP as a side hustle?

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

Saving for a house down payment in the next 20-24 months. Where should I put my savings. Just in a savings account right now. Was thinking about ibonds, but is my timeframe too short?

Custodial or 529 for child?

Decided to payoff my mortgage.

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

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

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?

Tax planning

Anyone has innovative ideas on how to reduce federal and state income taxes? I am in CA and my sources of income include salary, rental income, and some business income.

I already max out retirement benefits (401K, IRA, SepIRA etc.) and we have no kids.