I am 22, turning 23 in a month. I make $78k/year, which will increase by some amount in October. I have $10k in cash earning 8% interest. $6k in stocks, $10k in 401k, $10k in Roth, and $15k in crypto. I contribute 6% to my 401k since that’s all EY will match up to. What other strategies / investment options do you think I should consider?

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

FL peoples: I signed a lease for a new place to start May 1 as my current landlord sold the unit I'm in. Turns out, the buyer wants to keep renting the unit and asked if I want to stay. Of course I want to stay. My new lease hasn't started so I'm pretty sure I can easily back out. For the new lease, I'm still pending full approval from a condo association as I have to do an in person interview. I have paid first months rent in advance. Is there anyway to get that money back?

Hello there audit folks! Anybody considering a shift to financial due diligence? Happy to discuss opportunities at EY, please DM me if interested. We are really looking for folks with healthcare or tech experience and can move extremely quickly during the interview process. I've been in the group for years and transitioned as a senior so can share the positives and negatives.

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

Hi fishes,

I have an offer from Genpact with client Morgan Stanley as lead consultant. How will the work environment be on client location and what benefits am I eligible for?

YOE: 4.8
Package: 20 LPA

Looking to buy 35K marriott bonvoy points. Let me know if anyone’s willing to sell?

I love teaching art but am having to teach remotely to 1150 kids, k - 5. Have about 54 amazing elementary art teachers in my district that share SO much! I could retire (34 yrs), but just don’t want to because I love what I do! Feeling like my students aren’t getting what they should because I am struggling with Zoom, Microsoft, safe YouTube, bitmoji, embedding, downloads, editing, etc. Anyone else feeling this way?

If I book a stay in a Marriott property through a third party website for a lower rate than what’s on the Marriott app, can I still get points and elite benefits on the reservation?

Companies in the area with the best maternity leave?

For those that work at big4, does maternity leave benefit only kick in if you’ve worked for the firm for at least a year? Or does it apply immediately?

Is it true that Recruiters and ECDs don’t consider creatives with Healthcare / Pharma experience when they apply for Consumer jobs? I have lots of Consumer experience (in my country) and I’m currently working in Pharma (in NYC), cause you know... I need to pay my bills. I’d like to go back to Consumer. I’d really appreciate your objective feedback.

Zscalar . Is ESPP mandatory to choose if mentioned in offer letter?

if there's no pension anymore and a significantly lesser lump sum payout, why become a partner at EY?

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”

Interesting investment opportunity with PSTH. Biggest SPAC with Tontine warrants. In short, for every 9 common shares you buy and hold through the merger, you get 2 shares priced at $23. The price right now is $26. I would get in and gradually increase by a multiple of 9 and hold until at least Dec 2021

Is Nvidia going up on earnings tomorrow? If you had to buy Tesla or nvidia which one?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Hi Fishes,

Can someone refer me for Cloud Security - Prisma job opportunity

Hi Guys,
Does KGS have a collective disconnect during Christmas time in India?

Have an amount of Marriott points I would would like to use to buy United miles.

Any advice on carrying out this transaction?

Hi fishes

What do we get as a diwali gift in Gartner? Do we have a Diwali Party?

Does someone have information about Kearney Dubai. Would be highly interested in getting some insights about team events, benefits besides salary as well as hotels or flight classes. 

Hi strategists. Has anyone conducted a scenario planning workshop for their clients? If so do you have any recommended exercises or tools or just advice in general? TIA

Has anyone here found success as a marketing consultant? I’m interested in one day becoming one and I’m curious what the timeline and type of experiences I should expect to go through before getting there.

All AA flights delayed in LGA

Currently have chase sapphire but thinking of switching to Reserve. Should I?
Wife will also be authorized user, we do travel and will use this card for all our purchases

Is DC generally more or less safe than Manhattan or Brooklyn?

NYC renters: have you tried removable wallpapers? Any tips/recommendations?

How long does it take to get an offer letter once the mail offer is discussed and thru..I have been waiting for more than 10 days but there is no approx. TAT indication

What is the average time required to get canadain visa after biometric done?

So no real layoffs?

How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

I hope this bowl doesnt become just another WSB 😭😭😭 All I see are 🚀 and GME 😭😭😭

Is it possible to consolidate/rollover/manage my HSA investment account in PayFlex to Fidelity? Same thought on ESPP distributions in Morgan Stanley, and 401k in Alight(?) ?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

Planning to open brokerage account with fidelity to invest around 50K then $500 each month. Is it good strategy? Also any good bonds, stock etc you guys suggest atleast to hold for next 5 years? I am into investments and appreciate your help.

Is stock market surging tomorrow?

Interesting investment opportunity with PSTH. Biggest SPAC with Tontine warrants. In short, for every 9 common shares you buy and hold through the merger, you get 2 shares priced at $23. The price right now is $26. I would get in and gradually increase by a multiple of 9 and hold until at least Dec 2021

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

What are the best investment books or authors for beginners? What are the best podcasts, YouTube channels or bloggers to follow? What are your favorite stock trading platforms? And if you finally have six figures cash ready to invest, what's the best place to start? Which broker / financial advisor would you recommend? This is only for 3-5 years to ultimately buy a decent home for my family.

I'm clearly a dummy so any help is greatly appreciated.

I bought my starter home recently. Want to dump everything else i saved into vti (will be about 70k). Would buy a forever home in say 5-6 years. 5 year time horizon is pretty safe right?

I am starting personal investment now- please tell me if this plan looks good:
- Already have a 401k plan with max matching form my employer
- invest in 5000$ in S&P ETF
- invest 5000$ each in AAPL, AMZN, GOOGL,MSFT
- invest 1000$ each in Netflix, ADP and Home Depot
- invest 500$ each in Intel, Nike,Walmart and T-Mobile
- small amounts 100-500 in Merck, GE, Coca Cola , Altria and Samsung.

Thoughts? I plan to invest a little bit each month (200$) in ETF. Any suggestions?

GME and AMC are not doing well today 😂

Has anyone used individual citi wealth management account?

Any feedback on the same?

I have a 401k and money in index funds, what would be the benefits of also having a Roth IRA?

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!