How much money do you need to live comfortably as a family of 4 in a city like Chicago/ Miami/ ATL? I am not talking a luxurious lifestyle but nice vacations and great education for kids fully paid.
Financial Samurai has some intense articles stating that you need 300k family income for a normal middle class lifestyle and that 500k also does not get you that far, e.g.

https://www.financialsamurai.com/living-a-middle-class-lifestyle-on-300000-year-expensive-city/

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Anyone have any insights for salary ranges for civil litigation in Las Vegas? Looking for salary ranges for associates 0-5 years and 5-10 years.

My work office is in philly but i wfh in delaware. Why im i paying for both state taxes as well as philly tax. Is that right or do i need to make some adjustments. Im at PwC currently.

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

I’ve 90 min for ELA & 6 kids. I need to teach phonics, curriculum (has 0 phonics), & goals & they need freq. breaks. Admin’s making me use said curric. Any ideas?? Small groups and rotate? TIA!

Any recommendations for books for desi parents ? Politics , economics, world order , self help

Seriously don't know how to get a boyfriend as an IB analyst, most people who are in a relationship started dating since college. Really don't want to be single when I'm 30•••

Any one doing home mortgage with First Republic? Do they have conditions like rollover old 401ks with them?

I think teaching on line was more work than face to face learning but I am willing to learn new skills for a new normal that helps keep families safe. However, do you think that for the future a combination of the two will work best for our students especially in light of how our society is heavily information based?

Looking to buy a home in Dallas area. Which are the top areas with good hospitals and schools nearby?

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

Anybody have experience using EtherDelta? How the hell do I get my money from EtherDelta back to Ethereum and out? Been trying for a week and the transfer isn’t working

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Does anyone think there is long-term viability in Cryptos?

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

SO said he couldn’t receive letters during Ranger School, but finding info online that I can send. Any insight? Maybe he doesn’t want the distraction?

So what stonks are we buying?

What does venture counsel mean at WSGR? I just lateraled and am working with one - he seems to be doing all the junior work for the team so am confused?

What’s next on your expensive wishlist to make this job a little more comforting?

Anyone doing Carnival in Notting Hill?

Why would a luxury watch brand make/sell connected or smart watches? What is the business reason for it? To me it just kills the brand value. For instance I was a big fan of Montblanc but after I see their smart watch line up I instantly devalued the brand in general. Same for Tag (tag is questionable anyways), or Breitling. What is your opinion on this topic?

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.

Does anyone have any resources (i.e. books, handbooks, etc.) to recommend for a first year in-house tech attorney? I’m currently reading the Tech Contracts Handbook by Tollen. I have found it very helpful. I review and negotiate vendor agreements for SaaS, consulting agreements, HR related engagements, and other services. Thank you!

Anyone going to the security/privacy conference in DC this week?

How do you deal with the stress of knowing that other people on your team are working weekends and you aren’t? I’m a mom with two kids so working in weekends is tough for me. Cont. in comments:

Generally how long are on sites? Are they all on one day’s block? The entire 4 hours?

What have people heard about Blue Crest Capital Management? Is it a good place to work?

Currently in ibanking as an associate and want to see if I can make the move to PE. Is the CAIA viewed favorably at all?

Where the PROs at? What other bowls are you all in? I will go first: consulting bowl and consulting memes.

Did anyone attend L3 round in State Street. How this round is going to be?

I’ve 90 min for ELA & 6 kids. I need to teach phonics, curriculum (has 0 phonics), & goals & they need freq. breaks. Admin’s making me use said curric. Any ideas?? Small groups and rotate? TIA!

Is starting your own side business seen as a good extracurricular for MBA applications?

Hi All,

I am looking to join NTT DATA IPS next week as a software developer, can anyone please help me to understand how's the WLB and culture of the company. And also about the projects which they will assign.

Your response will really help me a lot in making a right decision.

Yoe - 4.5yrs

Do we have anyone from Edwards Lifescience? Would love to talk.

Feeling burnt out on an innovation sprint. Any advice?

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Anyone investing in index annuities? Can someone explain why this is beneficial?

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!

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?

Want to make investments but the market has been going up. Any advice on whether I should wait for a dip or just go in. Newbie here so looking for perspectives

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

Best long term investment strategy against inflation to get to a large nest in for retirement?

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

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

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

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

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.

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?