How far in advance does your money go? Can you use this month’s pay for next month’s bills?

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

Does anyone know a Shariah compliant mutual fund that won't violate Independence policies?

How do you guys set up your 401K accounts ? Since a lot of vanguard funds have bonds and I’ve heard bonds are haram to invest in? Would like opinions

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

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)

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

Just converted all my BCH to ETH yesterday. FML!!

Anyone looking for a house to rent in Homewood IL ?

Any recommendations for best balance transfer card? Like zero APR for 15-18 months and no fee? Also nice to have points or cash bonus

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Who wants to be a millionaire?

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

Have 700K USD worth of invested assets (less real estate, cash/receivables, and precious metals). if I need 4K USD per month for expenses, can I now coast?

Experts - I understand tha LEAPS help with liquidity amd magnify the returns but I am unclear what are the tax implications (Fed LTCG and state tax) when you are ITM and exercise LEAPS. Can someone shed some light on tax implications of the LEAPS? Thanks.

Fish fam need advice. I have 70k in savings including emergency. Making 180k p.a including bonus, should I buy a condo for 350k. My lease is up for renewal soon and it bites me to pay 1900 in rent every month. Will be my first home purchase so feeling nervous, please help.

Received less salary this month also. (Same amount as last month)
Why is this happening? Too much tax 🥵

How does the housing market work exactly, like, what determines whether prices go up or down?

Currently recruitment in Bangalore for developer

Saw my therapist this past Friday and he gave me a useful trick to build better behavior patterns. Whenever you have work to do but would rather nap or something, tell yourself 3 negative effects of the nap and 3 positive effects of doing the work. You might still take the nap, but if you can get in the habit of thinking of it negatively, you'll take less naps when you need to be doing other things.

Doesn't matter what the activities are. Could be working out vs eating more, could be socializing IRL vs wasting time in FB (lol)

Anyone else heard of this/tried it?

Hi Fishes

I have an offer from Reliance Jio at node Js developer and experience is 7.5 years so should i join or not ??

Taking the SIE in 2 weeks! Any tips, tricks and encouraging words are welcome.

UG intern thinking about full time here: if you weren't at your firm, which one would you choose? And why?

What book have you read that was helpful for your career and/or that you would recommend? Could be a technical book, management, etc. For me, it’s a book I read a few years ago: The Phoenix Project. I never thought I would read and like a novel about DevOps but I recommend it to all my managers.

Hey y'all, kind of a two part question:
1. I enjoy the people management more than individual contributor stuff. What career paths do you see in our industry for people who are managing support engineering teams?
2. What certifications are valued today? Seems like being a AWS Cloud Practitioner is a good general one, but are there others that stand out?

I have 10 YoE in the Customer Support field, making 68k currently as a lead agent. I applied for a supervisor role, above my current role, and didn't get it.

Any recommendations on how I can leverage my YoE in the future for this role if I've never been in a supervisor role?

So what's the deal with read receipt requests? Are they timing people once they have that notification? 🙄

When you budget for your engagements, what percentage of staff time is your budgeted manager time? I have always heard manager time should be about 50% of staff time but now leadership is pushing back. I have found the 50% to reflect reality. Managers don't reperform the work but have to do a detailed review. Thoughts?

Hi Guys,

I have an OL from LTI with a CTC-20 Lpa..As my mother had brain surgery, i need to be with her. i have asked HR to provide WFH. Does LTI support in these kinds of cases?? I have also asked HR to set up a call with the Project Manager.

Comments pls ..

Does anyone else catch themselves using vacation time just to try to catch up on what seems to be an unending pile of work? #sucks

What are the tldr differences between HR roles, people Operations, and people business partner positions? They all seem similar but I’m curious how y’all characterize them. I’m coming out of a very internal position at a nonprofit and I’m trying to better align my work accomplishments to make sense in more traditional career paths.

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

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

Looking to move to a new agency after 3 years, senior seo manager, any tips on good boutique marketing agencies to look into or recruiter hookups?

Looking to finally go get my SPHR having the PHR for the past 6 years. Still value and pursuing and obtaining?

If you could go back in time what would you tell yourself before taking out student loans?

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

Does having student loans impact your ability to get a mortgage?

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???