Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

How much money have you invested in crypto currently? I’ll start - $5000 currently

Not law quite law related but I could use some input: anyone have any luck negotiating lease pricing with a corporate landlord? I originally signed and got covid pricing and now they want to hit me with a 17% increase bc of inflation 🙃

Does anyone stress about student loans? I have $176k in loans and as January gets closer, the panic attacks have gotten worser. I am in-house at a Real Estate company (making $90k), which is terrible bc they are going under due to the market. I am working to transition to big law for pay, job security and more technical skills. I am a 2019 grad and it just seems so hard to break into big law.

I just need advice on what to do. My mind is scattered and stressed! Thank you in advance!

Sold 10% of my ETH @$2,500 to pull out my initial cap investment - so tempted to throw it into btc on this dip. Should I pull the trigger at $50k or wait for $47k?

Hi fishes,
Currently I am invested in two mutual funds:
UTI nifty index
Parag parikh flexi

Which other MFs are worth investing?

Inflation post covid—19 .. thoughts? I am really worried considering the prices from housing to basic needs in major cities are already not affordable for most middle class families.

Who else here worked full time to put them self through school and is currently shackled to student loans?? 👋🏽

Hi all, I recently purchased a commercial property at WTC, Noida. As I look to grow my portfolio, I spoke to my consultant to see if I could get better prices. He worked with the sales folks at WTC and said that if multiple buyers come in, he could work out a deal. Wanted to check if anyone is interested? I could potentially get him to set up one-on-ones to help explain the commercial real estate market. Even if this property doesn’t seem interesting, I think an interaction wouldn’t hurt.. contd

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

I forgot to transfer my crypto or withdraw from binance to binance US. Is there a way I can withdraw or transfer now? I think the deadline was until Nov 2020

Hi,
Anyone has idea about remote consulting opportunities in Kuwait. I mean how doe sthe tax structure work for the location? Would be beneficial if someone could help me understand it better.

Bankruptcy folks: I read that Alex Jones was able to put himself into bankruptcy by claiming he owed a giant debt to a company he controls. Is it really that easy? I would have thought bankruptcy laws would be smarter than that.

Would ETH be the next BTC?

Shoulda just sold my stocks to pay my taxes instead of holding and using cash 😂🥲. Same result - except now I have to hold longer

What is cost of leaving near Bagmane TECH park Bengaluru?
1BHK house rent?
#Bengaluru

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Anyone in the foothills? Wife and I moved to CO last year and bought a home in Conifer. Love it up here, but would be great to meet some peers!

Looking for names of some effective financial/investment planners. Any suggestions? Plz give only the ones u hv worked with or experienced!

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

If you leave the US because of failed H1B attempt with a L1 visa, how hard is it to move companies under the latter? If you decide to leave your employer, what is the process like to keep the visa?

Would this be a bad time to switch positions for the purposes of career progression and higher compensation? My current position seems stable but no room for growth and also a disorganized mess, not a very mature legal department. On one hand I’m the only that knows what they’re doing on the other hand i would like to go somewhere where I can learn more how a mature legal department should operate within a legally savvy business. But seems like a risky move in this economic climate?

Pro Tip:
Make it SOP to have a debrief session calendared directly after major meetings, can be 10 mins

5/28 Thread (General):

Sorry for 2 posts in a row, but Trump wants to get a cut of this tik tok deal wtf?

Folks, one doubt..... I was hired as a senior consultant in dec 2021. I did not nominated for grade change till now. Will they automatically consider me for grade change or do I have to expicitely talk about it with PC ? Also if grade is changed, how is the impact on salary considering the parity check ? Right now I am at 25 lakhs with 8.3 years of experience.

Does anyone know what "Palms Springs Classic" cocktail attire entails? I'm not from the area and my search results yield suits or blazers with brighter colors. I was thinking lighter weight fabrics like linen are appropriate. I'd like to participate in the festive style of the event.

Unexpected quarantine perk: not having to sneak off to an empty conference room to cry

Any book or podcast recos for introverts to work on their leadership?

South Florida office, have you heard when you can officially go back to the office?

Pharma salaries? Title with city please .

Is there a file/list of average compensation by grade and firm for Australian consultants?

Any Marsh fish willing to refer? I can provide more details in DM. Thanks!!!

What’s with the stigma against a beer or a glass of wine with lunch? Isn’t really that big of a deal.

I have 2 years of sales experience but am looking to make a career change into HR? Any tips of how to standout on my resume or any general advice? Thanks!

Hey Fishes,

Would love your support of 11 ♥️ as need to activate dms.

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

Used car prices starting to come down?

Should I sell or hold Tesla considering it’s joining SP500? Right now my profit margin with it is around 110%.

Does it take 3 quarters of the year to reach 3% (tier 3) interest rate at HMBradley? If so, does it make sense to deposit a large chunk of fund until I reach tier 3?

How bad of a financial move is it to relocate to London from NYC?
Currently at 165 TC, 26M
No near term financial goals, just would like to retire at some point.

The next $GME is DOGE.

529 prepaid tuition plan: Anyone here who has purchased this? Would be great to discuss pros and cons. I’m thinking about this using Illinois Bright Start 529.

Capital gains tax rate - I know there are diff rates (0/15/20) depending on income threshold but is the threshold based solely on “earned income” (i.e., wage)? For ex. if I quit my job and hv zero earned income and sell my stocks with 5M gain in the same yr, there would not be any capital gain tax?? It doesn’t seem right but is that the rule?

Any good apps or websites to track your net worth across all accounts (investing, banking, retirement, house) without sharing your information?

My parents have very poor credit scores (<600). What’s a quick way to get this up? They recently paid back all debt but only have one credit card. Outside of paying back on time, should they open a new account to increase credit line / lower % of credit used? What options are best to quickly improve credit scores

Best robo advisors for new investors?

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

What is your most conviction stock? Mine is $SOFI

Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

What's the best airline stock to get into before the possible travel rebound next year? Do you also get in now or Q1/Q2?

Best resources to learn about stock options included with an offer? Don’t want these roses to start smelling bad in a few years..