How should I leverage my 401k/Roth? Make 30 living in nyc metro. Have close to 90k in Roth/401k and about $50k in other cash.

How should I think about my Roth/401k? I know the conventional wisdom is not to touch it but what if I want to buy a house or rental property or use some of it to start a business? I’m not somebody who dreams of retirement but also not somebody who is going to splurge on a fancy car or something.

For those of you who got out at 10, do you wish that you rode it out to 20? I’m at a crossroad and I’m not sure what to do. Have some active/reserve time, wrapping up graduate school, and am now considering either a) come back to the business world or b) go active and retire before 50 and live off a nice pension. Obviously there are draws to both. I’m an officer for what it’s worth so I can realistically retire at O-5, MAYBE O-6.

Guys, I need your expert suggestions. All figures are in INR
I am living in Europe with my wife. We both are earning.We save around 4.5 to 5 lakhs every month based on exchange rate. We have SIPs of around 60k. Please help me to invest my savings. Apart from mutual fund SIPs I don't know much.

Is anyone looking to exit corporate life altogether? Trying to balance the emotional gut punch of taking a massive pay cut with the benefits of being able to live a life that is not dictated by the demands of my job.

Looking for a financial advisor. Any suggestions?

Guys, can you list down your experience in working with EY, which you are missing in your previous job. Or, something good at your previous job which is missing in EY. Please comment those. It can be anything like good project, managers, WFH, benefits, flexibilities, Hi, 

I want to cancel this 200Rs Netflix membership for this month. How to change this in my card settings, I am not able to find the settings in ICICI website to cancel this. 

which is better EY India or EY GDS ? Want to know in terms of hike , variable bonus, perks and benefits. Not bothered about client exposure and all.

My sons friend is looking to get into real estate . He is a junior at Indiana University. Looking for recommendations.

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

Hello Fishes

I have been offered a role on Nokia, Bangalore. Wanted to understand the work culture, hybrid work timings/ flexi work hours , health Insurance details .
Can someone please help here?

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% 🤞🏼

Any thoughts on why ETH is fluctuating so much?

Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Anyone have advice on protesting property tax increases for a recently purchased home?

Appraised value went from 540K to 700K...

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?

Have about 5k to invest - should I do FXAIX or FSKAX?

What will be the average hike at Bank of America,for software Engineer 2 B position

How long does it take to get ofc Laptop after DOJ?

Has anyone collected new hire kit from office yet?

Any loan facility available in BOA

I have no idea what 99% of the other law bowls are talking and complaining about most of the time... anyone else in the same boat?

Is dropshipping still profitable in 2020?

Anyone working with EYP (Strategy and transactions) in Singapore and care to chat? Considering a transfer to Singapore and would appreciate thoughts.

Hey hey all. I am writing a book on value creation in commercial real estate - from site selection to tenant management basically capture where industry experts see value lost or opportunities not captured. Anyone want to contribute to some insights ?

I’m visiting Singapore soon via VTL (US resident). For any foreign nationals who have travelled to Singapore since the pandemic or is familiar with the process—is there any documentation I can provide that includes my proof of address while I’m there? I’m living with my fiancé and his family.

Best consulting exits for work life balance in SEA?

Is a 110k salary fair for UX Designer in a f-500 organization with the following responsibilities:

Wear many hats in UX, for 7 separate digital products
Flows/Logical solutions for the business
Manage entire design system for the 7 products
Do UI design for the 7 products
Provide spec work for dev teams for each product
Random graphic design requests
Lead a team of 3 designers
Do manager role to organize the work under agile design sprints with Jira boards (daily scrum, refinement, grooming)

What should be an average decent pay range these days (post pandemic) in India, for a 12-15 years experienced tech person in a stable and reputed MNC not startup? Please share your valuable inputs to all mid level employees.

Hours check anyone? I’m at 1400 to date with pro bono. 2000 target. On track but September is looking slowwwww

What’s the best website to find potential roommates for an August/September lease?

Hi everyone,
Looking for a M&A HR checklist that includes due diligence through integration. I have one but would like to see what else is out there and compare. Happy to share my email directly.

Hey!!!

Do anyone here works for Clifford Chance and if they can provide a little background of work culture and all will be very helpful

Thanks much!!

Best way to prepare for SHRM ?
Any tips or resources that helped you pass the exam?

Hi HR Professionals! I am revising our current employment application form. Per SHRM, I was just curious if any HR Professionals completely removed the following fields: social security number, recommend salary, graduation dates, military discharge info, race, maiden name like (Ms. Mrs. Ms), & criminal history questions. I was just curious what other Employers/HR Professional have done. Any information is greatly appreciated. Thank you!

Have about 5k to invest - should I do FXAIX or FSKAX?

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?

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.

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

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

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.

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

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Paid off my account 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...

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

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please