How do people navigate saving and giving back home? I never know if I’m saving too much

Anyone here memorize their credit card number? What mnemonics do you use to remember it?

Alright auto fishes, I’m in the market for a entry level luxury car. Open to used or a lease. I don’t plan to use it as a daily driver, live in an HCOL. Only restriction is that I’d like to keep my monthly costs at no more than $600-$700/month (including insurance, financing / fees, etc; have a parking spot already). Doesn’t have to be a European badge. Thoughts?

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?

This is my first recession as a working adult. Is there anything specific one should do to prepare? But ibonds? We typically invest ~$8K a month into a brokerage (already have an emergency fund in actual cash but it’s maybe 2 months cash), but wondering if I should stack a bit more cash?

No worries about job loss or anything in the recession, just trying to see what others investment advice in this time would be.

What’s a good budget for rent if I’m making 138k + 14k sign on in NYC? I’ve got like 10k in student loans and about 5k in credit cards. No other obligations.

What is a reasonable rent increase %

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Fishes- Need some quick knowledge/suggestions for Monthly Investments. I have a 10k Monthly ELSS SIP and 10k Nippon Pharma MF SIP. In addition to this, a small amount 15-20K flat invested in Crypto. I have some more money to spare- 10-15K/month. Any suggestions where I can invest this? I have little knowledge of stocks so would be a little hesitant to get in.

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

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!

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

I’m graduating in a year. Will be working as a consultant in Chicago. Want to begin real estate investing. Thinking of house hacking. what’s the best way to start REI after graduating?

Brand new into my career and I’m trying to juggle wanting to max my 401k, Roth IRA, and HSA, while also saving for a down payment on a house! I realize that with my current salary ($78k) doing all this is too ambitious. Any advice on streamlining my priorities and which ones I should give up on for right now? If anyone else has gone through something similar early in their career what did you do?

If I received 2019 income in 2020, do I need to amend my return? I just received a K-1 for a few thousands that is for income earned in 2019. Not sure if I need to amend or if I can just put it in my

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

Did anyone else get a ridiculous rent increase this year?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

Hello fishes!
Would appreciate your advice.
I have 2 yoe of Procurement in EPC.
Currently looking to get into SCM. I am not able to land interview calls. Interested in Mumbai region.

Any supply chain planning expert here what is the business value/justifaction of having a freezed planned volume of finished goods to compare with current planned volume (replanning basically)?how would it help to store the first planned volume?

What’s an Engagement Manager?

Weird market movements today! Some wildly up, others falling apart- with no relation that I can see

Thoughts on branded search incrementality?
In what scenarios do you see it helping the bottom line vs not? Is. Competition, etc.

If you’re tired of the stress of the agency world what’s a good next step career wise? Working in programmatic display currently and sick of the never ending workload.

I want to buy a new home and then sell my current home after we are moved out. Current home is a VA loan, is there any way to buy the second house on a VA loan?

How old were you when you started as a junior copywriter?

I have a flipped classroom and my biggest challenge today is that my high school students don’t slow down long enough to read the directions/ instructions/ deliverables. Anyone see this happening?

Can anyone please refer me.
Tech stack - .Net Core + Angular/React
YOE - 3.5
NP - 1 month

DO YOU JUST ASSUME THE COST OF YOUR MARKETING ACTIVITIES? I am looking to allocate their cost in the marketing budget in a way that won't rely on several layers of assumptions. How do you reliably estimate the cost of different marketing activities (email, social, web, etc) when you don't have specific people or tools allocated to each function and costs are spread across many channels? Ads seems the easiest, but even then there's time and overheads... I've been looking for a reliable model.

Does anyone have good mesh router recommendations for a home office?

Is salary credited for KGS today or will it be tomorw

Joined Accenture Strategy team! Happy to help if anyone needs a referral:)

Anyone working at the CDC Atlanta willing to refer me to a job?

Apologies for the awkward venue...but any one else struggling with addiction slash self destruction slash wtf am I doing in life?

Hi. I am completing my MBA in 2 months from University of Toronto. Due to family reasons I wish to move back to India( Delhi) and looking for consulting roles. I have 4 yrs of workex in Audit and about a year’s experience in VC and incubators for startups. Anyone willing to refer me for open roles for Associates/Sr. Consultants? Or which companies might be hiring right now? Thanks!

How can this bowl be useful to folks?
- Support space to just talk?
- Financial tips?
- Resume / interview prep?
- Career advice?

I’d love to figure out how to make this bowl engaging

Shout out to all my Afghans

Tips for how you’re accumulating wealth with absolutely no financial inheritance/intelligence from parents? I want to retire early but am late in the investments game. I have a Roth IRA invested in a target date fund, max out my HSA and invest in REITS and ETFS, and contribute more to 401k when I have leftover $$. What do you guys do? Am i missing any smart moves here?

Hello everyone, I wanted to create this group for first-gen, low-income professionals. This group is meant to be for those who were the first in their family to go to college and/or came from a low-income background.

Navigating the professional world with limited support from family can be difficult, and I hope this bowl makes it so that no one has to do it alone :)

Do any of you ever get frustrated with how low-income folks are talked about on this app? Like some of the posts frustrate me so much when they insinuate that people from low income backgrounds are just lazy or not hardworking enough

My friends think I’m crazy because I’m willing to work all the time / give 110%, but they don’t understand that I need to do well so I can better provide for my family. I’m already making more in a week at 22 years old than my mom makes in a month, and she works way harder than I do. Just wanted to get this off my chest ha. I’m not resentful and I definitely understand the need for self care…but I’m willing to suffer in a high-paying job if it means I can provide for my family. Is this just me?🙂

Anyone get anxiety thinking about how you’re already funding your parents lives because they gave up everything and worked to the bone for you? I get the concept of giving back and wanting to take care of my parents but damn didn’t realize my life would be so financially tied to them even at 23. It’s like we moved to the US just so I can give them my paycheck.

Anyone help support their parents small business? I often work with them on the weekends and work my weekday job at KPMG. Feeling burnt out but can’t say no to my parents bc they need the help. Looking for any advice.

And no I do not ask for pay, I help the business to provide free work for my family to save them money.

What are the things that have surprised you the most about the post-college world/ non-first gens?