How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Thinking about putting 500-1k into either : Amazon, block, Nvdia, or AMD.
Which would you go for? Why? Or are you staying away from market still?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Curious to know what other avenues people have taken in our industry to make more money. Currently getting OT which is nice since most places don’t offer that benefit but still doesn’t feel like it’s worth the long nights when the paycheck comes in.

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

My firm doesn’t match my 401k — still worth opting in?

What are the best ways of tax exemption

How does one get into trading from positions elsewhere in the bank? What would impress you most about candidates attempting to do so?

If I max out my 401k before the end of the year, I am still eligible for employer matching?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

Is the Schwab AMEX Platinum a Charge Card or a Credit Card? I can’t for the life of me find a definitive answer online.

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

** Very Important **

Tax declaration last date is on 15th May 2022.

I would like to know do I have to submit the investment documents now ? Or later in the month of March 2023 ?

Please let me know. Thanks.

Does anyone know of any consulting/advisory companies hiring?

Hey Fishes,

Joined LTI recently in P3 band. However not allocated any project. Got a call from the resource management team to relocate, which I rejected upfront as I was promised a role in the location I am posted. It has been over 2 weeks since I am in bench. What shall be the next steps, shall I wait for some days or start looking for other jobs as getting a project looks difficult as there are minimalist responses.

Any insights on what is the compensation range for regional managing director role at coinbase?

Which Capitan would have your vote for President?

Just looked up a firm a recruiter told me about. I would be the only Latino on the roster and among the few that didn’t go to an Ivy League or top 20 law school. I don’t even know if I should bother applying...

Hi, I am CA and MBA with 17 years of post qualification experience in finance field.
My expertise is in financial analytics, budgeting, MIS, business analytics mainly in Banking sector.

Kindly share any relevant opportunities if any

How does one get into trading from positions elsewhere in the bank? What would impress you most about candidates attempting to do so?

Anyone ever get acid reflux every time you lay down to nap or go to sleep? Middle of 6 months and feel like acid reflux just hit me. :( any suggestions besides taking tums?

I have been in Risk Advisory for about 5 years but I have been feeling extremely bored with the work and I am currently contemplating my next career move. What are realistic career opportunities for me excluding technical accounting, internal audit and compliance? Would obtaining an MBA help my career prospects?

Got an interview lined up with CFGI.. not sure hows the company so thought I had request CFGI folks to share their experience here ?

Does EY’s vision plan not cover eye exams?

Do you charge your clients for time spent on email communication?

Hi sharks , I have some doubts in PaaS Analytics, can any one help in this regards please

Hello fishes
Please help me. Ibm offered me 07b band and salary 21.4
is good salary? I have 7 years experience
My joining date: 9 September

YOE-3.3
Position- Data Engineer
Currently working in Quantiphi
I have 3 offers right now
1) Testbook 23lpa- 19fixed and rest stocks and variable
2)Tech Mahindra-20lpa fixed
3)Skuad - 24lpa fixed
Confused right now which to choose also been listening about recession and bear market so job security is also a crucial point in making a decision.

Does EY GDS and EY Global have separate sets of clients or does GDS aide Global in its operations ? I have an SAP offer from GDS but worried if I'll actually get any direct client exposure.

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

Are investment properties good for retirement?

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.

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

I’m curious why more non-US citizens interested in FIRE don’t go live in a no/low tax jurisdiction even for a few years e.g. Dubai, some Caribbean islands. I get that some people will have family circumstances (e.g. elderly parents to look after) so it won’t be possible for them, but for a significant proportion it will be an option

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

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?

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

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.

Have 20k, what’s a good small business to start with this fund? Serious question here

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl

What’s the meaning of life before FIRE and after FIRE?

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?