How do you all split your 401k contributions between pre-tax and tax deferred (pre-pay tax) contributions?

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Given my wife and I both work and are in a relatively high tax bracket, we do all pre-tax and supplement with backdoor Roth IRAs for both

helpful

Direct 50/50

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D1 - can you explain how you do the backdoor Roth IRA? I’ve tried reading this online and can’t seem to understand how it works.

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I do the same as AC1

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I’m finally getting significantly greater than 1% return on Yotta. I hope someone on here was the one that won the Tesla!

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Looking at full-time and application asks for expected salary and then expected total compensation as a number. How should I figure out the second? Health insurance, bonuses, life insurance, equity, PTO? I studied art, not math.

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Hi Fishes,

Does
Adidas provide any reimbursement for WFH setup ?
Thanks Adidas

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

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Anyone have a good tax person in Philly

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Hi! Anyone attend law school part-time while working full time? If so, would you be willing to share the total debt you graduated with? I only ask because I have not been able to find any info related to this online (only stats on full-time students).

I will be submitting applications to schools in one month, but really want to gain a better understanding of finances during and after graduating from law school.

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Will Amex restricting guess access for Centurion Lounge actually make any difference?

I can see short term changes but the way Amex has been aggressively marketing Platinum card, we just will have overcrowding of primary card holders 🤷🏻‍♂️

What's next, everyone has to spend min. 50k a year to get Centurion lounge access or pay per visit.

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Is it worth it to save up to fly business or first class internationally [even just US to EU] - or save the money for other things?

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I am investing as a beginner. What is a good company to start a brokerage account with ? Fidelity, Ameri E Trade, ML? I’m looking to put my money in index funds.

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Hi guys ,

In paris if you get a salary of 83 k + 1 BHK allowance and other benefits .is a good package to live and work comfortably. Please kindly suggest me.

Thanks alot.

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I know this is small dollars, but my firm only pays $25 per months for my cell phone. We all work remotely, so using cell a lot. Is it silly for me to push for full reimbursement? Is that pretty standard?

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Any remote, part time jobs in healthcare with a BS? Already have a full time, just need some extra cha Ching

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If you are interested in earning extra income, please let me know. I do financial services, great opportunity! Dm me!

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For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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What are your thoughts on those who refuse to wear cloth masks as a healthcare professional?

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Currently make 90k and save about 500 per month after 401k, HSA, mortgage, all expenses etc per month. Where can I go to Cali to save the same amount and how much do I need to make to do so?

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Co nsidering an offer from A&M which requries relocate to DC,how‘s the relocation reimbursement works?How is DC office in general?

Anyone here retire in late 30s or know someone that has?

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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Hello, what is working in retail banking like at JPMorgan Chase ? Specially the branch manager role. I’m looking in the Columbus area. How is pay, culture, benefits, sales environment, meetings, etc. How easy is it to transition from retail banking to corporate. I hear the Polaris campus has great opportunities, I was thinking about getting my foot in the door through retail then transferring to corporate ?

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CFP study programs:

I'm a little confused on Danko - does he offer a self-study option for the coursework requirement? On his website it looks like each module has a 4-day virtual class which I wouldn't be able to attend due to working full time. Does this program also include self-study material, and the classes are just supplementary/optional? I was also looking at Dalton for self-study and Danko for test prep. Thoughts?

TIA

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What’s the best store you’ve ever worked at and why?

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best jewish deli in manhattan? thank you!!

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Looking for a female to share a 2bhk in Indiranagar. Do revert soon if interested.. It is walkable from metro station

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What will be the inhand for this with proper taxation?

P.s: want to compare with another but fishbowl don't allow to add 2 images
I just shared that too a while ago.

Please help i think the gratuity is extra

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What’s your least favorite thing about your job?

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any of you pick up freelance work on the side? how do you find it if not via LinkedIn?

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Which is the good budget friendly perfume??

I have premium one from Boss Hugo... I kept it for special occasions 😜😜

Wow. Wayfair is a joke. I haven’t had a single good experience with anything I’ve purchased from them. And I only order things with good reviews! Now I’m waiting for a mattress which shipped last week...and won’t show up until September. HOW.

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At EY is I was reimbursed for a stationary bike 2 years ago. Would EY reimburse me for a road bike this coming year? There's a stipulation that says every 5 years but I'm not sure if that means for another stationary bike or if I can get a road bike and be reimbursed.

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Help,I started a new career n the events industry and I think I have to quit! The person I report to is so disorganized and there are no other managers in the office to direct day to day operations of our department. On day 2 I was asked to go to a job site and perform a 12 hour day without any training, safety equipment or tools. On day 3 I was asked back to site to do general labor! I ended cutting my hand on an exacto knife and there was no first aid! Is this normal?

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How do we get a live list going of firms that are hiring in their AAS practices (not on hiring freeze)? Any associates out there with some capacity?

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Looking for sales/ Business Analyst profile role.

Can anyone help me with Referal?

I'm a Fresher with internship experience of 1.8 years.
I'm good at Brand and social media strategy.

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I'm a graduate in Journalism and Mass communication for GGSIPU

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I have worked as a counselor in private practice with a master's level degree. Finishing my Psy.D. dissertation. Looking for a licensed psychologist to sign off on my clinical hours. Anyone willing to work with me remotely for TX licensure? I am willing to pay for the supervision hours.

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Are you saying leadership seminars don't work?!?!

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Any Audi lovers in here? Is it impossible to find a used 2021 Q5? What are your thoughts of a 2020 Q5 vs 2021 Q5?

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Bank error 30k in your favor. BTC… Where to start?

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Additional Posts in Personal Investment Chatter

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

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What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

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Are we headed for the long overdue crash/correction - red everywhere 👀

likefunny

The market is down. Are you buying anything today?

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Lot of fear in the market right now (understandably so). The situation in Ukraine is awful and the potential consequences are scary to think about.

There are some who want to sell in fear of their investments falling further. Do not do this. Hold and continue to buy more. Continue your 401k contributions, and add whatever you can afford after every paycheck into your brokerage. Those who sold the covid crash were often late buying back in.

This is the dip you're worried about.

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likehelpful

my s.o. and i have a total salary of 210k and we’re 28/25 respectively. her parents ordered a tesla y for 70k and paid off 45k so far. we live in chicago and they are in iowa so they figured it’ll be better use for us to have the car. we’ll pay off the current loan and pay them back the amount they paid throughout the next 8 years interest free. is this even a good deal for us or are we able to get too much car for our age?

likeuplifting

I’m finally getting significantly greater than 1% return on Yotta. I hope someone on here was the one that won the Tesla!

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House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

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Any tips on negotiating apartment renewals for large buildings? Just got a renewal offer for my 2BR apartment… it’s 20% higher than my current. I can afford it but damn that would be a bummer

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What does your NW breakdown look like ? In my case it is as follows
Home equity: 15%
Investments Stocks/ETFs : 25%
Retirement account: 30 %
Cash: 30%

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Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

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Has anyone used individual citi wealth management account?

Any feedback on the same?

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What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

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Is stock market surging tomorrow?

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I hope this bowl doesnt become just another WSB 😭😭😭 All I see are 🚀 and GME 😭😭😭

likefunny

2021 roth ira limit is 7k? Or am I reading it wrong

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as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

Is there a calculator that I can put in all my investments and see how it works out in 50 years? I know each brokerage has their own projection thing, but just wondering if there are any other tools where i could combine everything?

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

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