Hi FIRE 🐟 thinking to buy my first house next year and I’ve read advice here that says to buy the first property and then rent it out (and put little down), but given the current high interest rates, if I put little down, the mortgage will be really high. I also live in a HCOL area so is this advice for LCOL/MCOL or am I missing something? Advice is appreciated!

What is a reasonable amount (% of salary) to contribute to your HSA? I max out my Roth IRA and contribute ~15% to my 401k but am concerned I could be doing more to prep for future healthcare expenses. Currently only have ~1k in HSA & started work last August. Thanks in advance!

Have you done a background check on yourself? Why/what error or issue did you find?

Anyone tried being a realtor on weekends?

Anyone in chicago have a wealth manager they recommend?

I have 100k, does it make sense to use 50k for a downpayment. Or is it too much?

Delta has sent me an offer to open a Skymiles platinum AmEx and get 80K bonus miles. Annual fee $195. Worth it? (I already have five credit cards none have fees tho.)

Slightly off topic - what do you think of investing in crypto currencies? 18-21YO having made money which a consultant will not be able to make in his lifetime. Any views, welcome here.

Looking at buying a house in Charleston, SC, then I want to get back to buying rental property. I already have two but would like to grow to 10 in the next 5 years. Is that possible and what are some ways to get some capital.

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Thinking about buying a home with my fiancé . We’re not married yet and would like to purchase a home first. What resources can I look at to learn more about purchasing/financing a home with someone else? Also have no idea where to even start, would also appreciate if anyone has any resources for a total new like me!

Are there any serious Funds still running with a long thesis on Tesla at the moment? Valuation looks absolutely stratospheric from where we’re sitting.

Does anyone here have any experience getting an education loan in India? My brother will be attending grad school and seeking an education loan for ~20 lakh INR. Are there any recommended providers? What interest rates should he expect to pay?

Time to buy SQQQ / TTT / TZA?

Do watch stores accept credit cards or do they only accept debit? Sorry if this is a dumb question, just seeing if I can get some points.

Would you buy CMG and MRK stock?

Is anyone on discord channel for options trading?

Investing in a startup’s Series C round. Pros/Cons of investing as an individual vs via an LLC?

Just got married - any tips for managing finances, tax savings, etc? Household income is 180k, I already max a 401k, she’s a school teacher with state retirement. Thinking to live off only my income..

How much was your first home worth and how much did you or you and your partner make at the time?

What is the best credit card right now? I have mostly used my Marriott and Southwest for the points, but looking at other cards. Chase Freedom is not that great. Heard good things about Chase Saffire Reserve. Also thinking about non travel cards. And Amex. TIA!!!

What do you think of Evoke?

Hello fishes,

Need 11 💟 to unlock DM feature.

Please help, thankyou in advance.

Is work life balance really that much better in-house?

Applying for Canada PR application
Where to get the digital picture clicked from with all the specifications mentioned for it?
Any suggestions are welcomed please

Do you think pharmacists are paid enough? Please explain the area you work in (e.g., retail, hospital, etc.) and your thoughts if you don’t mind.

Hello everyone. Any tips for shipping wine from Germany to the UK when the company won’t deliver? Any particular courier companies etc.
TIA

Joined bosch in July. Will I be included for Hike this year?

Hi! If anyone in this bowl works for Mars & Co. Can you please share some insight into what kind of case studies to expect in their interview panel round?
I have an interview coming up in the next couple of days and wanted to get some idea regarding the same. Thanks!

Had mid-year reviews last week. As a senior reviewing the staff, management said no staff are ready for senior promotion. Doesn’t this look bad on management that they can’t promote from within?

Hey guys, I just found this group and I’m hoping for some guidance/advice! I’m hoping to get into one of the Big 4s or MBB and finally got a few referrals once joining FB. I am 29, have an MA in IOP, and 10 YEO. I have never worked for a non-Jewish company (despite trying pretty damn hard to get out) and I’m freaking out. I have no concept of normal professionalism, strategy for navigating the workplace and the real world in corporate USA,(cont. in comment)

Bored to death in internal audit/SOX. What’s a good career change that would utilize my transferable skills? Work in financial services.

Hi everyone,
I am a new joiner @ Coforge, joined on Nov 15th and still waiting for project allocation. What is the resource pool/bench policy for a new joiner, can anyone please help on this?

Getting rejection mail to every job I m applying this month. And even not getting a single call from naukri or LinkedIn. It was not same till July.

Anybody else facing similar thing?

How to get a roll off from project Where's there's alot of dependency on me as of now but I really don't want to continue due to mental pressure and not much to learn. How can I start and what can be a good reason to get a roll off?

Hi Guys,

How we can connect with HR in Cognizant. I having issue during filling the BGV document.

Is there Any WFH oppurtunity for BA

So let’s say I meet my FIRE number but all my money is in retirement accounts....how do I retire early? By early I mean like late 30s early 40s. Wouldn’t I pay a penalty?

Do people here consider having children and what it means for financial planning?

New to MBDR, topped off pretax 401k today and will get full company "match." Going forward I plan to do after tax contributions, does it make sense to change investment direction to money market to reduce the likelihood of nondeductible losses or taxable gains between dates of contribution and rollover?

What is a reasonable amount (% of salary) to contribute to your HSA? I max out my Roth IRA and contribute ~15% to my 401k but am concerned I could be doing more to prep for future healthcare expenses. Currently only have ~1k in HSA & started work last August. Thanks in advance!

Anyone tried being a realtor on weekends?

What is the best credit card right now? I have mostly used my Marriott and Southwest for the points, but looking at other cards. Chase Freedom is not that great. Heard good things about Chase Saffire Reserve. Also thinking about non travel cards. And Amex. TIA!!!

Open Poll: what’s your FIRE number, when do you pull the trigger, and where do you want to live? Personally, my ideal numbers are 10M, 35, and lower cost area of a HCOL (Brooklyn). One can always dream!

Anyone here own multi unit rentals as a source of supplemental (or main) income? Looking to enter the space and would appreciate any wisdom/learnings you may have to share 🙏🏼

We want to be ready to buy a house in about a year. We currently having money sitting in some CDs, but I feel there is probably smarter ways for us to be saving the money. Advice?

Net worth was at -$280k @ age 25, hit $1m at 36, and today $2m at 39.

Unpopular Opinion: The last 4 months has been a DCAer’s bliss. I’ll be maxing out my annual Roth 401k contribution in 4 weeks. 🍾

I am just so happy with my realtor that helped me with my investment property purchase. Totally worth it. Really helped me navigate through the market and make wise decisions. If you are looking for a great realtor in Orange County, Long Beach, Los Angeles areas… please DM me. Happy to refer.

Question for home owners - do you prefer to roll your Homeowners Insurance into escrow and pay over the year? Or do you prefer a 1x payment. My insurance is offering a discount if I pay at once

Hi there, I’d really love some advice from you all. In the last year I had to sell our home in Boulder, CO and embark on a new build process on a home in Tampa, FL. It turns out my dad can’t afford to live on his own so we found a home in FL that would have an in law suite. We locked in a rate but it expired and they are unwilling to extend due to the fact the builder is delayed and supply chain issues. Is there a smart way to structure loans now I’m unaware of? I’m super concerned.

Live in London - should I buy an apartment that is £630k OR invest heavily in the market in Vanguard index funds? Live rent free with my partner so rent not an issue. Mortgage would be c £2k per month. Have c £100k in savings

What does FIRE actually look like for yall? Does that mean you literally dont work anymore and just plan to take distributions out from retirement/savings? Or just not work in a company but still rely on some type of passive income like monthly rental income or a passion proj turned business?

I’m 28 but new to FIRE and want to get started. What are the first steps for beginners? I feel so behind compared to everyone in this forum..!

I’ve been listening to “millionaires unveiled” (highly recommend for FIRE content) and it seems like every other guest ends up doing real estate investing. If you do it, what books or online courses would you recommend to get started? If you have experience in real estate investing, would you ultimately recommend it?