How do you hedge currency parity fluctuations over time as part of your FIRE (in case you plan to retire in another country)? I plan to retire in Spain (wife is from there) but USD/EUR has taken a tough hit in the last 1-2 years. We saw our EUR-based NW decrease by ~10% due to that. Tips?

Which consulting firm has the best 401k match?

Can anyone from FTI speak to their benefits? 401k match, healthcare, etc?

SO and I are debating contributing to 401k this year since the rate of return is around -11% on our portfolios this year. I believe it would be better off saving the cash in my account.

I'm thinking of contributing again when/if the market picks up next year. Thoughts?

Partners, what is your magic number (in terms of dollars in the bank), after which you intend to retire?

Sanity check. I like a nice lifestyle. Currently make 350-550k with bonus. 53 years old. About 400k in brokerage. Another 1.9million in retirement accounts. House worth 1.2 million with loan of 625k. For retirement pension will be $2400 per mo which goes to my wife if I die for life. Another 3800k Per month estimated from Social Security. I plan on working another 10 years or so maybe less once the kids graduate college. I am this will be out in 2024. What should I be doing or thinking about? 

How do I retire by next week? Need suggestions. Thank you. ✊ We in this together.

can any explain the advantages/disadvantages of doing a lump sum pension payout rather than waiting till retirement? I no longer work for the company so does my pension not grow so getting lump sum is better to move to an IRA? thanks in advance!

I love teaching art but am having to teach remotely to 1150 kids, k - 5. Have about 54 amazing elementary art teachers in my district that share SO much! I could retire (34 yrs), but just don’t want to because I love what I do! Feeling like my students aren’t getting what they should because I am struggling with Zoom, Microsoft, safe YouTube, bitmoji, embedding, downloads, editing, etc. Anyone else feeling this way?

I am a Business Transformation consultant, having worked for Asset & Wealth Managers, Investment Bank, Boutique, Government Pension Fund, Family Office as part of my current role with a small consulting firm.

I am looking out for a new role in Singapore. Any leads or references would be helpful.

Is it worth saving money with 401K or get better rates in FD’s / Post Office etc in India ? FYI 50% match is provided by company for first 5% only

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

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?

If I've maxed out my TFSA, should I continue investing through an RRSP or a personal investment account?

For context, I also have a good pension. My main concern is that while the RRSP will be nice to lower my taxable income now, I'm worried when I retire I'll have to withdraw too much from both the RRSP and pension. Thoughts?

Does anyone have any insight into partners retiring early? I am at a point where I need to consider leaving if I am not aiming for partner. I don’t see myself working past my 40s. My partner and I are not big spenders and anticipate have enough to retire comfortably in 40s (obviously a lot can change). I have been assured I will become SM in next year (currently 31 years old).

Looking to see how much other Provider Enrollment Specialist make including what their company's invests in their 401K

Summer so it’s grill season! Looking to retire my old faithful Weber. Anyone try these ceramic/egg grills? Lowest price I saw is like $600 with the name brands almost $1k. Worth the price?

What is EYs 401k match? I am going to interview and found lots of benefits info online but could not find match or best. Thank you.

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Are there any virtual teaching positions in Michigan that pay into the MI retirement system (ORS) for educators? I have 4.5 years until I can retire and due to my health may not be able to be in person. All of the jobs I have seen only offer 401Ks. Thanks for your help.

Hi Fishes,

I got offer Letter from infosys 2.5 months back, now when I am trying to decline the offer by sending a mail to HR, it was not getting delivered as HR left the organisation 1 month back, I forwarded mail to feedback team of infosys but still got the mail from onboarding team with joining details and WebEx link, kindly suggest how to proceed in this case.

How's TMA looking these days? Best accounts? Worst?

Anyone from Havas London here? If so, what are your biggest dislikes about the agency?

Currently trying to figure out how to create effective marketing strategies for people in the 60+ age group, any pointers from people who have done this before?

Hello,
Any HR from Accenture who can consider my profile for Qliksense developer (6years experience). I have been trying for this company for more than 2 years now but not even a single interview was scheduled. Worse part is if the profile is already in the system, it doesnot consider it for other jobs. I can see a lot of postings in job site but cannot apply in those.

Any help would be appreciated.

Thanks

Anyone know what number to give for employment verification for ex-AFS employees?

How do we get TSA Pre through AFS?

Any companies launching a product who will be AOR, & currently looking to fill an SAE/SAM role? In the job market and would love to connect.

Need flat for family near bagmane tech park, i would really appreciate any leads

📚 Resource Thread 📚
Use this thread to drop your favorite books, courses, podcasts, channels, and other resources you find valuable as a Sales Engineer!

Anyone feel frustrated at times with the super aggressive sales personalities we deal with? My AE is always pushing on every ask no matter how minuscule it is. My vp is super anal about anything we do. I understand these guys pull in huge commissions and bonuses that’s why they are so motivated. However what I personally feel is they just nag us until we do the job according to their spec. Just venting……anyone else feel the same?

I just graduated with my MS in Health Information Management. Any jobs in NYC in this particular field (first time in this field)? Provide links. 🫶🏼

Also what is the starting salary? It would be my first time in this field. 😺

• Bachelors degree in Radiologic Sciences (x-ray tech)
• Master of Science in Health Information Management

Need single occupancy near kharadi.
I am M25

#No brokerage
Please DM if anyone has any leads

Which engineering is the best and why? I am an electrical engineer and I am sure that my engineering is the best career because it is the most difficult to study and at the same time we are the ones in charge of moving the world.

Has Axtria stopped hiring candidates for the role of Analyst?

What is considered a “large” caseload in employment litigation? I work at a large L&E boutique law firm and handling about 14-15 active litigation cases in state/federal court or arbitration. Some of these matters are multi-plaintiff and multi-defendant cases, but none are class actions. This does not include any matters I am handling in the charge stage or in pre-litigation. Not sure if that’s a typical caseload or not?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

What stocks are you guy guys buying right now in this market?

FIRE - What is your total net worth so far? What's your profile?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

Listening to Rich Dad Poor Dad and I keep expecting every story to end “and then everyone clapped” 🙄

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Do you have a UTMA/UGMA account in addition to a 529? How can I make sure my kid still qualifies for *some* scholarships? (Want them to have some skin in the game..)

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

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?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.