How much does everyone have left after they pay their bills? I spend about 92% of my take-home pay each month on bills and living expenses

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I save 42% of my take home. Started at 6% and kept growing it. Sounds like you need to rethink your bills and living expenses. This is a financially dangerous way to live, and the sooner you realize that, the better for your future. What is your debt to income ratio? The 28/36 rule suggests no more than 28% of your income before taxes on housing and no more than 36% on all debts (housing, student loans, credit cards, auto loans). Rules are sometimes silly, so take with a grain of salt, but the point of the message still stands that when you creep above 36%, you are gonna be creating more and more debt over time, even if it’s slowly. I got into this trap at first and quickly realized I was down a path I shouldn’t be on and changed it up. I had to move to a cheaper place, get a cheaper car, etc.

smart

20% taxes, expenses 25%, save 55%. We make 2 Mn US but interest earnings on NW are significant which is additional.

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I save first, so that’s budgeted. After that and bills, it’s all free for fun!

Usually 50/50. On vacation months it tips to save 40%, spend 60%

I’m a big saver. First job out of school, spent around 60% after tax on expenses. Have stayed decently thrifty and kept my lifestyle from growing too much. Nowadays 10-20%

We save $50k / month.

yes very helpful when my salary is $80k

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20% taxes, 30% expenses, 50% saved. Income is 2 US (+ 0.4 in interest income)

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I will be moving to Australia from the US in a couple of months. I was wondering what would be the best way for me to transfer the money in the US bank account to Australia? Also what are some of the good banks that allow opening of accounts when the individual is not in Australia? Thank you for the help!

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I know this is an options bowl where most members believe the market will go down, but are there any buy and hold investments you really like?

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Having an issue with direct 401k rollover. I had an after tax portion with old plan and my new 401k plan now does not accept after tax rollovers. The check has already been issued to a state street bank & trust FBO [my name] and I can’t reissue to a new bank. Any tips on deposit this check to an IRA? Can I endorse to another bank even though I’m only FBO on the check?

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

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Bought some litecoins on Coinbase - how long does it take for transaction to go through and owning the coins?

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

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Hey FB fam. I’m putting together Financial success resources. If you have any books, articles or podcasts in relation to personal investments or real estate you recommend, please feel free to share 🙃

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Anyone know where/how to go about getting L/VL/VA CE credits form insurance carriers? Anyone have some specifics?

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off topic question.
peoe buying lands on moon but who is authorised to sell land on moon as its no country's property. is it a scam.

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Pre-approved for a home but the rate lock expired and now we have to re apply. My husband lets me know his credit score dropped 111 points because of credit card utilization. Even if we get it below 30% ( which we can) not sure it will quickly reflect. I also added him as an authorized user on a high limit credit card I have. Any other suggestions besides trading him in lbs

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Who else here worked full time to put them self through school and is currently shackled to student loans?? 👋🏽

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When my portfolio was going nuts 🚀💰 made over $100k profit last year and on same process this year.

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I’m 30 and my spouse and I want to save a million dollars in 15 years by age 45. I figured 1,000,000/15=66,666/yr need to save. To get to 66,666/yr, need to contribute:
-401k at 19500k x 2
-Roth IRA at 6000 x 2
-remaining $7833 x 2 in a brokerage account

Does this look good? Am I missing something? With discipline 2 people can save 1 million in 15 years?

likeuplifting

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

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I have a client who wants to liquidate all his investments to buy a home. I told him I wouldn't recommend going cash poor. What is the fascination with HAVING to buy a home when you get married?

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What’s the best site to put your condo on rent other than Kijiji & MLS?

Hi All, newbie here to real estate investing. I have a primary with about $180k in equity and want to A) Get a larger primary in about 12 months and B) Acquire a cash flowing rental asap. Would you try to cash out refi and buy an investment property now; cash out and rent out your current place and buy a new primary or sell your current place and try to get buy a small investment and a new primary?

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Why does the purchase agreement call for a FIRPTA when no real estate is being purchased?

Just passed $1m net worth and thinking about umbrella insurance. Any recs for carriers/strategy?

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Hi fishes, what should be expected CTC for Java developer in Applied R&D in Bangalore.

YOE- 2.9

Also please share details about Joining bonus and Relocation bonus if possible.

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Senior Program Manager / Director looking for EU based remote work. Planning to relocate back to the EU on a permanent basis in the next 4-6 months. Open to work & would appreciate any kind of referral!

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If you’re looking for a media job, I saw lots of them at RPA, Saatchi, Mullen, Hearts & Science

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Hello Fishes, is it good to get permanent WFH from Infosys? and is Infosys started firing their employees who are on bench?

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Thanks in advance :)

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What should a Cna/mht expected hourly pay/ yearly salary with 5 years experience in Delaware

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How to get Id card.I am being boarded virtually!

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Any company hiring for Software engineer role with 1+ yoe experience, Please let me know, I'm searching for a job.
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likeuplifting

I received HR submission email from the barclays yesterday.. how Soon can I expect the HR discussion and then offer letter rollout

🇲🇦 🇮🇶 LETS GO

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Airlines going down... anyone buying?

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Hey friends, I've been in sales for over ten years in retail/ hospitality.

I'm focusing my efforts to make a switch into tech sales and id like to work for AWS.

I completed a tech sales bootcamp and have purchased a couple books on sales methodology, more so enhancing sales + active listening skills.

If anybody would be willing to chat! I'd love more insight on roles Within AWS tech sales.

Care for a quick dm chat?

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Best Marriott/SPG property for a couple’s stay in Amsterdam? End of December - want to be reasonably close to city center but not break the points bank (<~50k a night ideally )

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OK 🐠. Recommendations on solid/reputable places to buy watches online? Jomashop? Ash ford?

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PSA - Went to Suitsupply and was very impressed. Bought two semi custom suits. Great service and selection of fabrics

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190 of us in 5 hours? That’s depressing!

How are things looking in LA? Any dates set to go back into the office? I’m currently in NYC and considering a job over there

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