How much from each paycheck is everyone managing to put into savings?

🐟 without dependents, what % of your monthly income do you save and what % do you contribute to 401k.

Roth vs Traditional 401k, thoughts?

Cross posted: Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

My son made 11k on Doge but it is a joke coin. Put some money into SHIBA another joke coin. I knew all the cryptos would come back after the big fall. It was an opportunity to buy. Polygon has held up through all this because of the news from Deutche Bank. Look at the real cryptos. Bought these.

Is it possible to buy a new luxury German sedan car with 30k budget?

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

Angel investors : What returns do you expect when investing? Also what’s your range of investment?

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

What would be a reasonable cost of renting for a single expat dude in Singapore living in decent area ? Would sgd 4K suffice ?

Any REIT ETFs that people like?

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

I don’t play with options much, but I happened to buy VERU calls for 2/19 a little while ago and now it’s skyrocketing, it’s up over $1k for me- will it keep going up? Should I just take the profits now and be happy?

Should I lower my contributions to my 401k and save up for a down payment faster? I want to start having multiple streams of income. Planning on getting a multi-family apartment but not living there since I want to buy a semi-cheaper house so it won’t be in a great area (Chicago). Has anybody done it and regretted buying a house as an investment?

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Does the Amex corporate green card qualify for the $100 CLEAR statement credit?

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

160k TC, 125k salary in Seattle. How much should I spend on food/rent - can you give a conservative range?

I would like to maximize savings but not live with roommates/in a <400 sqft apartment

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

Everyone says Geico car insurance is cheap . However for me it is most expensive. I went for Allstate/State farm which were cheaper than Geico. Am I missing something?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

How many days Servicenow usually takes to release the offer letter?

Hello, I'm Catherine, I'm a recruiter looking to hire a Dental Hygienist $45-$50 per hour and a Front Desk/Patient Coordinator pay rate is $15-$25 per hour. In Norcross, GA. Both Full Time. Anyone interested?

Hi fishes, any idea if I still get a bonus if my last day with Accenture is 01-Nov?

Motivation to work: non existent. 🙂🙃

Hi everyone, applied for an investment consulting internship few weeks back.
It's a client facing job, but it might come at a later stage of a job, maybe after finishing my internship and getting a job offer.
I'm interested to know what is the must develop skills, must take courses or must read books to get insight, develop the required knowledge and skills for the position. I majored in business management finance and currently preparing for CFA level 1. Thanks in advance ☺️

Hi fishes,
New to this platform, can someone help me with maximizing from this place.

Hi guys,
Just wanted to know from your experiences. Which one is better in respect of career growth. Production support role or developer role. Bit confused. I have experience in both.but my manager is wanting me to work in production support.

I’m hiring a global internal auditor. Will pay relo. 15% international trip will be included. Please message me if you are interested in it.

Hi all! I work at a nonprofit and am looking to leave the organization. As I browse available positions in my area, I’m realizing there is a LOT of crossover between my current org and others, for example shared board members, folks who are on our board and employed at one of the institutions I’m interested in, etc.. Is there a way to say “my current org doesn’t know I’m looking, so please treat my interest with discretion” that doesn’t raise red flags? Thanks!

hi all! using a moniker for privacy reasons - i’m a graduate consultant at a boutique shop in Sydney ~3 months of experience after a bachelors in business from UTS (graduated earlier this year). my 485 expires in Oct 2024, and i’m keen to stay back after that - can anyone who’s been there done that share some things that i can start doing to help my chances of being sponsored? this might include things i can do on the job as well as other options like networking.. thanks!

Is it normal for senior managers to ask you to cancel leaves or to nit apply leaves in EY GDS? My manager told in all hands meeting yesterday to not apply leaves during tear end. Won’t this become a hr issue?

I am opening a fast food franchise restaurant and wanted to understand what is the average yearly insurance cost? General liability, umbrella, unemployment, business interruption etc.

I joined fishbowl a month ago and while I’ve seen a couple contentious debates but I must say I’m pleasantly surprised at how respectfully ppl comment on this app even when disagreeing. Usually anonymity on the internet brings out the absolute worst in ppl; they type things anonymously that they would NEVER say in person smh. But I really haven’t seen horrible comments here. I wonder what makes this app diff frm others?

Opinions on career clerkships? Especially with a two year old and wanting another child eventually.

Ratings on three projects - 3,2,2. Utilization - 90%... Proposal hours - 15... Firm activities - 43 hrs... I then get a YE rating of 4 😕 ... How worried I should be regarding the layoffs???

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Anyone ever use a credit repair service and have success?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Thoughts on personal loans to consolidate Debt?

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Paid off my account debt!

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?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Any good wedding ring sources aside from Blue Nile?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Best high yield savings products?