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Hi ,I have been interviewed and selected in S&P Global .salary almost negotiated and waiting for the offer letter to release. But seems like they are not willing to release the offer because of my 90 np . They are asking to join by 60 days but initially I told them my NP is 90. Even I am ready to take the 60 days offer but now they are not releasing offer as they want assurance.Now they are not picking calls.seems like i will loose the offer. Is there anything can be done.
Where in the city would be good?
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1. Save more for your wedding. The average wedding in America costs $28,000. And don’t feel guilty for setting aside more, enjoy it and celebrate the start of your marriage!
2. Great contributions to your 401(k). After the wedding, work on building this up more than the 3%. Based on your numbers you can do it and this is the best vehicle to invest heavily in.
3. Place a higher priority on tax-advantaged accounts. That $14k is essentially play money, in my mind. It should be in the Roth IRA (max contribution is $6,000/yr, so not all of your brokerage, but as much as you can).
And I also refuse to spend more than $15k on the wedding. I have my portion (the $8k) & my fiancé has his as well
Pro
I was at Guidehouse making your salary. I was maxing out my 401k at 19,500 and HSA at $3300 (GH gave 300$). I was still able to take home $2000 biweekly and $4000 a month. With two months with extra paychecks.
That's enough to cover your expenses. By contributing max on your 401k, you are reducing your tax liability and AGI and saving more.
Pro
I was doing 20% of my salary to hit the 19,500. I usually max it out last pay check of November but GH true up the remaining Dec match the following year. It's possible to have a Roth IRA as well.
However, I didn't look into it because my income with my married SO put us over the limit with IRS. So we do backdoor IRA with Fidelity.
Rising Star
1. Max out your 401K. For you, 3% is awful.
2. Max out your Roth IRA TODAY. You have enough money saved up to do so.
3. Move that $14K out of Robinhood and into a better brokerage.
4. Your wording may be off. You say that your monthly expenses are $1900 and you are left with ~$900 every paycheck (2800-1900). However, you get TWO paychecks per month, not one. So once the first paycheck takes care of your monthly expenses and gives you $900 leftover, where does the 2nd paycheck of $2800 go??? That’s $3,700 (900+2800) unaccounted for.
Rising Star
Chill out, CD1. Take it easy on OP! /s
How do you make 105k and you monthly salary is 2800. That may be net but that still seems low. Don’t really follow your numbers. Why are you only contributing 3% to 401k?
Ohhhh. Got it. Yeah I’m not doing 19.5 right now lol but yes I’m saying they match up to 3% if I put in 3%. That is the max match.
Up your 401k contribution first!
How old are you/ I mean how many years of exp
27, 6years of exp
on how to maximize my extra dollars now that I have paid off my credit card debt and car note? And have no student loans?
Yeah basically one if the best tools
If u can pay out of pocket for medical expenses and let account compound
Pull the money out when you need it or plan a big expense
Also contribution are triple tax free need to take advan of that
Sorry I meant 2800 biweekly
Pro
Good job. I wish I waited to refinance. I did in June 2020 from 4% (30 yrs) to 2.75% (15 yrs). They only good thing is that I only paid $1300 in sunk cost.