Hi! I have about $15K in investments, $8K in an HSA, and am $10K in debt. I know my investments are there for the long-term but I want to get back to my debt-free status. I’d love to hear differing perspectives: if you were in my shoes, what would you do? Thanks!

This might be philosophical but wanted to understand if we should get satisfied and be happy with what we have or keep striving for more?

Reason I am asking this is - I earn close to 1.5 lakhs every month and if someone had told me this during my college days I would have taken it eyes closed thinking this is more than enough. But today, I am not able to be satisfied and I don't want this to become an affliction so thought to share with others here and get to know the general sentiments.

My lease is expiring and a friend wants to buy the car . Anyone do this before ? I guess I would have to buy it and then sell it to them ?

Best credit cards for a non-road warrrior after CSR and Amex Plat changes? I think Amex Gold and the Chase Flex are pretty good - do not think CSR and Plat are worth it anymore

Do PwC and KPMG allow Mega Back Door Roth with their 401K plan? Wanted to confirm.

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

Any site you would recommend for good Kerala house plan ?

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

Incoming MBA, I have my tuition paid for and rent covered (I will be an RA). So the only thing I need to pay for is food and entertainment. Do you think 20k is enough to last me through the 2 years? I will make a little money interning in the summer, so that would be a safety valve if I blow through the 20k.

Or… should I take a small loan?

Any real estate experts in the house? Thinking of making a move to Miami from Jacksonville. Jacksonville real estate is still pretty inflated and hasn’t really come down much. Is real estate in Miami following the same pattern? Or is it expected to deflate with high interest rates?

Has anyone just taken a break from work without anything lined up? Every offer I’ve gotten wants me to start in a month and with 2 weeks notice that leaves me only 2 weeks to recharge. For my mental health I really think I need an extended break (like 3 months). I have about 60k liquid to sustain myself and pay about $1500 a month in rent.

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

After listening to the Mike Saylor podcast with Lex Friedman, it made me reconsider my notions I had about BTC layer 2. IMO ETH has thoroughly eaten BTC’s lunch from a development/dapp perspective. I’m 50/50 allocated in both because as Mike says BTC is durable digital property while I see ETH as the platform for application functionality. Would be interested to hear other’s takes. At the core of it, I’m not sure myself and others will ever want to spend BTC, even if fees were negligible.

Goodbye XRP! Thanks for the awesome gains and good luck hitting that absurd $100B market cap 😁

I'm relatively new to stock market investments and have tried to build a balanced portfolio for the long term. Should I hold the stocks for long term or does it make sense to book profits in between ?

Been trying an abundance mindset. It's put me in debt.

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

Hey Team

I'm on a H1B so I am supposed to pay Medicare and SS taxes, but my employer has not withheld anything- my hnr block advisor caught that but she just completed my returns assuming I don't have to pay those taxes

What is the right protocol in this case? Do I owe SS and fica taxes?

Fav intl ETFs?

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

Do you find yourself thinking about ways to improve your lessons as you experience life? I’m on vacation for the first time in 10 years and I keep asking myself “wow, what kind of technology is that?” And “How can I integrate that in my Computer Technology class?”

DM for refferal in IBM
#cloud
#QA
#UI
#Reactjs

Is an attorney affirmation mandatory for a bill of particulars to affirmative defenses?

Costa Rica anybody?

My breakfast consisted of one giant spoonful of Nutella.

People who think PwC AC Bangalore and PwC AC Kolkata are same (including recruitment process, salary structure, projects, benefits, work culture etc) are too damn high. For the last time, they are not same at all, both are two different entities.

My lawyers filed my h1b extension and amendment together even after advising not to by the v and I advisor. I’m getting freaked out. Any suggestions ?

Getting over heartbreak and having a full time job is torture lol. My boyfriend and I just broke up after almost a year of being together. It was such a beautiful relationship but ultimately he just didn’t love me. I love him so much. My mind knows that I deserve reciprocal love and I’m worthy, but I feel physically ill. My body hurts, my stomach is in knots, my head hurts. How is it that I have to mend a broken heart but also meet my billable hours lmao

I have an interview for an in house position (only attorney) at a small non-profit focused on conservation easements. I am a transactional associate at a mid sized law firm. The prospect of freedom from the billable hour and contributing to meaningful work are the draws. The cons are that while the salary at the non-profit would only be slightly less than what I am making now, pay increases and opportunities for advancement will be much less than where I am now. Thoughts on making the shift?

For anyone who was able to make the move from FDD to IB, outside of Compensation, what have you enjoyed more about IB?

Moving to the city in three more weeks and was curious if anyone had any recommendations for staffing agencies? I am still very entry level, open to most anything. Repped by CC and 24 right now.

Mcgarrybowen folks, what’s it like working on United these days?

I want to enter TCS in SAP SD consulting. I Am not sure why I don't receive the call for interview despite multiple referrals.

Anyone here who can help to get an interview scheduled. YOE 7 years SAP SD

I’m around 21 weeks and have been dealing with a lot of leg, tailbone, back, and general muscle pain. Since I do work long hours Monday- Wednesday (10hr +) I’m trying find a comfortable chair to switch to. Any recommendations? Currently I’m switching every hour or so between my kneeling chair and standing.

Hey everyone,
I’m currently a Market Analyst for a small consulting firm. I’m looking for a new role with room for growth. I bring enthusiasm and experience in modeling, forecasting, and research. I would be grateful to be connected or referred for any open roles you might know of. Thank you!

Do we need to send the official score to all the scores or is unofficial schools enough?

In your opinion which is the best target fund to choose in IRA Roth?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Have about 5k to invest - should I do FXAIX or FSKAX?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Best high yield savings products?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??