I accidentally contributed to my Roth IRA not realizing my income was too high to qualify.

How do I amend ? (It was only $1,000)

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

I want to track my portfolio in USD. E.g if I bought an alt using BTC on 1 Dec and sold on 10 Dec, I want to see the value change in USD. Is there an app that does that? Blockfolio only shows in BTC..

We made it to 10/15. Now to do CPE and wait for the section 199a deduction to make next year's returns a nightmare.

Hi. I started a personal finance Instagram account to share financial journey and financial tips. It’s called Her Millennial Money. I would appreciate any feedback or ideas of what to share.

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 ?

Once you get promoted to manager, what stocks and commodities are you prohibited from buying for independence purposes? Does this apply if you are in tax as well?

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

Do you have a UTMA/UGMA account in addition to a 529? How can I make sure my kid still qualifies for *some* scholarships? (Want them to have some skin in the game..)

Ways to rack up cc points/miles while buying a home?

Anybody got decent turnip prices today? I care more about my investments in turnips than my actual stock portfolio 😤

**Can I take retirement?**
Hi All,
I have around 29 Lac savings + 5 Lac gold.
And my wife has 28 Lac gold(wedding gift) + 80 Lac(ancestral) Land.
We have a child, his current age is 2 years+
Currently our monthly expenses are around 22k(max), and my CCTC is 15 LPA+ with 8+ YOE.
My age is 29! I don't feel like working anymore.

What is the point of a savings account if year-over-year inflation exceeds the APY rate?

How do you control frivolous spending? Grew up relatively poor and now spending stupid money due to feeling like I "deserve it". I pay off my loans on time but want to pay them down faster.

Hi folks,

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

$TBLT man. Quite the thrilling penny stock.

How to invest in Direct Growth Funds? I've created a CAN ID using MF Utilities. It asks me to login and proceed but I don't have my login ID generated. Should I wait for more time as my CAN ID was approved only yesterday?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

If anyone here is wondering how to best use their GI Bill... I HIGHLY recommend using the GI Bill comparison tool. Has anyone else here used it??

What would be the expected CTC range for AGM position at Paytm?Is AGM designation would be a people management role or individual contributor,any internal folks at Paytm can show some lights?

So... I have questions for change/org effectiveness practitioners who have successfully leveraged their experiences to acquire high paying, high level roles in industry. How did you do it? What was your path? What would you recommend to others so they can make the most of their careers? I’ve included my reasoning for this Q, below!

How have you combated your fear of rejection? I fixate on such small things as when my friends, for example, reject plans I have made. This definitely makes me more averse to putting myself out there and makes me ruminate on past perceived failures, which are clearly not good for personal growth

Trying to break into advertising, specifically copywriting.

Are there any programs, schools, or courses that I can complete online while also working full time? Thanks!

Which consulting company has the highest level access to WWBD in pharma?

Anyone here ever been to RCA? Is it worth it ?

We are building a SaaS product for product owners to make informed decisions on product strategy and improve product roadmap process using data science and NLP. We are looking for pre-seed round.

What is the CTC range for in-house Senior Analyst ?

When is Novartis calling people to office?

What are the monetary benefits we receive in GOC

I’m new to the cybersecurity industry, professionally speaking (I did/do a lot for family and close friends). I’ve completed a boot camp, which I regret doing. I have certifications for companies such as Qualys and ISC2, but no CompTIA security+ yet. I tailor my resume to position descriptions. It’s been a month or so, without any offers. What would you suggest that I do to get my first entry level position?

Hi, Sharks,
I have 7 yoe in .Net web development, recently joined Deloitte but there are no projects on .net development. The manager is asking me to learn sailpoint. I need your help to know-how is the future scope of sailpoint. If I want to start my carrier in cyber security what are the steps I need to take.
And the last question should I move from s/w development to cybersecurity...is it an easy step...as I don't have much background on cyber...pls help me

Will getting a low tier rating also affect your career when you are switching companies?

Trying to explain to my non consulting friend that your salary can climb by 60k easily in 4 years. Please share your experiences of this guys (more examples the better)

Hi All,

I'm a mechanical design engineer with 3 years experience in EV industry. I'm looking for a job change in the same industry. Please let me know if you have any leads.

Thanks

New to Fishbowl, currently working on a career pivot! I graduated in May with my MBA and have experience as a Director of Operations as well as recruiting and HR experience. I am looking to move more into Change/Project Management or Director of People Operations roles. I have been at the application game now for two months with only two interviews and over 20 applications sent out each week. Any advice would be greatly appreciated!! Feeing a little defeated over here. Thank you!

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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?

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

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...

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

In your opinion which is the best target fund to choose in IRA Roth?

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

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

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

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

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.

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

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??

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.

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)

Google stock to buy now or after the split?

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