Hi! I’m 30, own a home, 50k in 401k & 25k in Roth, no other savings. Roth has a ROR of 2%. Should I leave $ in Roth? Reinvest in a diff acct? Grow it until I can buy an investment property?

Do you know a good real estate agent? Thinking about buying in waterfront or Hoboken

Huge btc short position in market right now, I expect a lot of liquidity issues to come to light soon. Bitcoin should end up below 30k and stay there as new resistance soon. You all doubt my previous posts but all these bumps to 37-39k are fake bounces from retail buying the dip. Defi is gonna unravel. Do you honestly believe the 10-40% defi interest rates were risk free. It’s all paid by stablecoin printing backed by the assumption that crypto prices would keep appreciating

Newbie trying to buy some alt coins. Currently have some money put into eth and ltc. Suggestions please?

Does anyone have experience working for a ALSP? How does compensation work (pay and benefits)? Are you an employee or technically an IC? Do you have billable requirements like at a firm? How do you think it prepared you to potentially move in house? I'm currently at a firm but thinking of taking a position with an ALSP but my goal is to go in house.

My strategy for Bitcoin:

Buy low
Get worried and sell lower
Get FOMO and buy even lower
Panic and sell at its lowest
Cry myself to sleep
Repeat

Desi 🐟 fam - What apps are you using to make payments in India using US credit card?!
I use Wise for money transfers and other payments using debit card but i want to pay with my credit card and wondering if there's an option for that

Received offers from PNC and UBS. Same position. Same benefits. Purely seeking opinions on the companies. Previous experience at EJ. Left to get away from outside sales nature and isolation.

Employer is 100% sponsoring MPH and decided to take it to further expand network and it's decent (T20). Wondering if Epidemiology or Healthcare Management would be a better concentration? I'm currently in pharma and the goal is at graduation I'll have a good amount of experience and a little bonus (MPH) to be competitive for experienced hire roles. ZSers, what are your thoughts?

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

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.

USI folks - Do you know if the Sum assured of the health insurance offered by Deloitte is for per year or total. Context, I am currently at Deloitte US and thinking of requesting a USI transfer because of a serious health issue for one of my parents. Would be really thankful if someone can clarify 1)Will parents existing conditions/treatment (Chemotherapy ) be covered from my day of joining and 2) Will sum assured will reset every year (if yes, then when, January or our FY). Thank you

I applied for a job and received an offer from my client. 15k+ bump in salary, better benefits/remote work, and responsibilities will give me exposure to all areas of the organization (start up). The problem is that they’re looking to staff me as a Senior when I’m currently a Manager at DT. They said they’re flexible on title, but curious to hear how others have navigated similar situations. I would report directly to the controller and have 1-2 staff reporting to me...

Best way to store coins? Best wallet to use?

Do you make post tax contribution to your 401k account? In addition do you also do backdoor IRA. What are the limits?

Haven’t owned a car in 4 years and thinking of treating myself to an Alfa Romeo Giulia 2021 on lease. I can easily afford it but justifying 500 a month on lease payments is kind of hard to swallow. Any Giulia owners/drivers here who can help swing my decision? I think I’m 60% there

Any advice on how to pick the best company for me when offered a position from more than 1 company? I've been interviewing extensively with 4 companies, and I believe 2 are getting ready to send offers. If I receive more than 1 offer - how do I choose? I compared benefits, pros/cons, compared them on Glassdoor, questioned them about growth opportunities, asked about their culture.....anything I am missing? Any input is appreciated. Thanks!

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Let’s say you have two young, high income partners in a couple who want to buy a house together but don’t really care to get married. They already live together in an apartment but both want to move to a house to build equity and have a yard, not share walls, etc. Should one partner buy the house and the other pays rent until they get married, or should they get a mortgage together without being married? I realize there isn’t a “right” answer but I’m interested in people’s experiences here.

Good luck all!

When do know if you have product market fit. What are the key indicators?

Any art basels recommendations for this Sunday and Monday ?

It’s that time when pride briefs are rolling across our desks. We should collectively write a guide on pride campaigns, what to do and what not to do. Anyone want to share their advice?

Name the agency you hated working at. 🍿

Hi folks 👋🏼 Do you think we’ll all be in the office this year? 5 days a week? Are any freelancers going in yet? 🤗

Can anyone advise on a client partner salary for London?

Last night I went over to my friends house (she has 2 kids, 2 and 4 yo). She and her husband were asking me about my pregnancy and planning. And were asking what I’ve prepped to date. I’m only 13w2 days so I think it’s way to early for buying stuff, but I did mention we hired a baby nurse for when the baby comes. My friend completely berated me, short of calling me a bad mom already, saying “what is she going to do all day? Don’t you want to bond with your child?”. I’m so upset by this.

Has anyone had a nurse state the assumed sex at 12 week ultrasound? The nurse is fairly sure it's a boy, and I'm wondering how accurate her guess is based on a close look of the genitals. Confirmation won't happen until 20 week appt, too far away!

Hi ladies! I’ve been using the same perfume for 10 years now and looking for a new go-to scent. Im looking for recommendations to try. What are your favorites? A lot of scents give me headaches, so nothing too strong and nothing too floral please. TIA!

1/22/22 Daily Checkin! What’s your work out for this Saturday?

Day 9 - 40 push ups challenge ✅ ( 30 regular, 10 diamond 😤 and 10 extra inverse).

What kind of exit ops are you seeing in accounting advisory? I’m in CMAAS and not sure what my options are other than traditional accounting roles. Also, salary expectations with 3 years of experience in HCOL? Thinking it might be really tough to beat current public accounting salaries.

What’s the inside scoop on Saatchi’s PMO?

How long were you a senior in FDD before things started to click? Really enjoying everything so far but feel like I am behind my peers. Been about 7 months now.

Fall event in NY/NJ

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

I am in my mid 30. Is target fund 2040 a good option to use for my pre-tax 401k account? Thanks

What is the benefit of investing in mutual funds such as VTSAX over a similar ETF other than reoccurring investments that allow you to set it and forget it? Is that why people choose them?

Should I max out my HSA contribution?
I am maxing my 401k though.

Also, if I max my HSA, can I invest say 50% and keep the other 50% for expenses?

Follow up on Rich Dad Poor Dad...General consensus is to buy real estate...So for those of you who have read the book, have you bought any real estate lol?

Is anyone holding didi shares? I’m trying to figure out what happens. If they delist, then list in HK, are shares converted? If I want to sell, how would that work? Do I need to open a HK bank account? Are there unique tax implications? Etc etc.

Is ARKK still a good ETF to invest in?

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.

I finally decided to invest in cryptocurrency but not sure how and where to start. I am looking to invest from a long term perspective (5-10 years).

Are there any low risk steady increase options or is the whole crypto currency a high risk game?

What did you do with your RSU’s after it vested? Did you keep it or was it sold and reinvest to another stock/fund/etf?

How is everyone feeling about the market today? Buy? Sell? Wait?

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.

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Let’s say you have two young, high income partners in a couple who want to buy a house together but don’t really care to get married. They already live together in an apartment but both want to move to a house to build equity and have a yard, not share walls, etc. Should one partner buy the house and the other pays rent until they get married, or should they get a mortgage together without being married? I realize there isn’t a “right” answer but I’m interested in people’s experiences here.

Need help. I have $13k saved for my kids age 6, 9, 10 in just a high interest savings account which actually decreased to only .50APY. Looking to move it or do something with it to help it grow more than a few bucks a year. What are my options? Not sure if they'll go college route or where life leads them. I'll be adding approximately $300/month this year to the savings.

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?

SBE, ABB, or BLNK for the best bet in the charging station space?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.