I am 33 F living in nyc with $1.2m net worth (all cash, stocks, retirement). If I plan on retiring with no kids living half the year in nyc and the other half in Asia, would you say $3m is enough to be able to retire early? This would not include having a home already paid off. I think my yearly expenses would be $120k and that's just for myself.

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Dow sit make sense to not put money into 401K until you go to business school and start again?

Should I max out my HSA contribution?
I am maxing my 401k though.

Also, if I max my HSA, can I invest say 50% and keep the other 50% for expenses?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Hello I just started my first job (I’m 22) and I need to set up a 401k for matching with my company. I’m really confused how this works because I want to try to hit the IRS maximum of $19,500 for Roth contributions this year. Maybe it’s too late in the year now, but it’s asking me to pick my desired contribution % per pay period, but I’m not sure how much to do because it says it’ll kick in 1-2 pay cycles and I don’t even know when the next pay check comes yet. Any tips would be great

If I contribute to a solo 401k, is the additional profit-sharing contribution (the 25% of compensation after the $19500 contribution) based on my gross income, or is it based on gross income minus expenses? Thank you🙏🏼

How much do you have in savings (cash, 401k, etc.)? And how old are you?

Hi, can someone tell me if I need to manually claim higher rate tax relief on Accenture UK workplace pension e.g. via self assessment? I had assumed it was all taken care of out of the pay packet as it’s a net pay scheme but I have a financial advisor telling me otherwise. It’ll be the first I ever heard about it if so…guess I’ve lost a load of money…???

Do big4 directors retire with the same benefits as partner or some other?

I am expecting an offer from Master Card for Senior Software Engineer position in O Fallon MO. Please let me know what kind of base salary I can expect with 11 yrs experience . I don’t wanna undersell but also trying to avoid being aggressive but quote a decent number which will be achievable. Any suggestions will be appreciated. Is 125k $ base a fair value for or I can pitch higher? They have a 15 to 20 % bonus on top of base pay and a 10% match on 401k which the recruiter keep highlighting.

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)

I need help. Anyone have information of being an advanced medical support assistant for veterans affairs? I got offered a job in the SF valley . The pay Is a bit less but it's about 5.5 miles from my house.close. Why do people pray for government jobs? At the moment I'm with ucla health as an admin assistant float permanent& have been offered permanent placement at a site in LA about 16 miles . The pay seems pretty decent& also have the pension plan. Been here about 2 years no issues.

Can someone explain the benefits package for Associate Directors at BCG. I hear health and 401k match is great, but any specifics will help. Also what is the average bonus and range low to high.

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

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?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

My 401k technology stocks are down 27% as I started beginning of last year!
Hold and ride OR some other recommendation?

Anyone know how to transfer your 401k after leaving acn?

Had an associate of mine recently confront me and say he has a crush on me. Told him nope and that would be very unprofessional. He has reassured me that this won’t impact our working dynamic but lately there’s been a lot of pushback on any direction given to him or the team. I’m growing concerned he is holding something against me.

How should I approach this?

An out of office email i read somewhere.

Hi,

Thanks for your email. I am currently OoO.
For emergencies conatct below
USI -112
US - 911

All other things can be taken care when i am back.

Anyone interview at Culture Amp and had to do a presentation?

How is SAP practice in LTI... Do we have ample implementation projects?

Will the learning be good and how about firm culture , onsite opportunities?

Anyone have idea about relocation reimbursement in LTI?

Anyone who commutes in from Jersey City - do you take the PATH or NJ transit? Which is better/worse?

Name the agency you hated working at. 🍿

What's the procedure to change base location in Infosys?

I’ve suffered from workaholism for a long time. Thanks to a lot of great self help books and therapy, I’m no longer putting work on a pedestal and I’m spending a lot more time on self care and my marriage. But, unfortunately, I am now getting withdrawals, because my body is used to the daily adrenaline of throwing myself into work. It’s this terrible feeling of like anguish/unease in my gut, but I don’t have anything I’m worried about- it’s like my body wants to find something to worry about.

Starting at a new firm, What can I do to leave a good first impression?

Hi Fishes, need some info
1. What is the payband for C10 in MRM team?
2. What is the current hybrid model looking like?
3. What is the expected bonus % payout for C10?

Curious, does anyone have perspective to share about CloudGaia? Good, bad, something else, etc?

Any ways to fake lta

A company offered a role, but then went back to the legal team to see if they can do H1 transfer. The job is not aligned with my degree but my past 9 years of work ex has been. How do I try to convince them?

How do you handle a passive aggressive boss? Mine seems friendly but screws me over when it comes to giving guidance during difficulties in projects and project resources, he says mean things :(
I am new to the firm and very confused. Please guide me on how to deal with such toxic people.

I give the clients gold, but they decide instead, they want me to paint it with sh*t.

Is it true that all transfers to US have been put on HOLD?

I want to get into surfing but have no idea where to start. Did anyone here start as an adult? What do you recommend?

I have an upcoming interview for a principal project manager position with my company. How can I ensure I get a huge raise?

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

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”

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Trying to help my retired dad - When I google for what to do after retirement, only retirement planning related things shows up. My dad has been a workaholic and hasn’t developed many hobbies he could pursue. I was wondering how I could help him stay slightly occupied if not busy. Anyone here experienced this with your parents or yourself? How did you navigate this?

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

Have 20k, what’s a good small business to start with this fund? Serious question here

the more I want something, the harder it is to achieve. anyone has this feeling also?

Any disadvantages to buying VTI (manually) vs. VTSAX (automatically)? Apart from convenience/removing emotional decisions. Fidelity charge $75 to buy any amount of VTSAX. Seems insane fee when you can just buy VTI for free. Am I missing something here?

Anyone a CFP as a side hustle?

Best options (companies that provide) term life insurance outside of work? Please advise - looking to get this done this week for wife and I

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

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?

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.

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?