I broke through the wall in 2020 and feel like I blinked and it is 2022. I have been saving something close to 75% of my take home and dumping into ETFs. I feel like I want to branch out into real-estate but never lived anywhere more that 3 years. What would you do? I have cash to put a large down payment to avoid the high rates but am scared I have no roots and will move in another few years.

How much money would you have to have in guaranteed income every year to stop working? I ask because I'm getting close. 😬

If I max out my 401k before the end of the year, I am still eligible for employer matching?

Anyone ever have experience negotiating a new offer to include unvested 401k match and stock grants from your current employer? I hate leaving money on the table but there are some good roles out there. I’m not fully vested in my current 401k yet and my stock grants haven’t matured yet either. This would be at a global director level.

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

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

Pre-tax 401(k) or after-tax...thoughts?

Fedloan servicing's stopped interest payments until Sept due to CARES. I'm a recent grad with more loans than most. Would you continue manual payments on the principle or invest that money? ~$300/mo.

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

Realized some gains from a trade and I have 5k to move. I’m looking at TGT or WMT as an alternative play to AMZN. I’m looking to start a long position 3-5 year hold/add and reap some dividend reinvestment. Any opinion of which one to go with?

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

When a private equity firm invests in your company, they do expect to exit their investment within the next five to seven years.

How much do y’all spend on rent

Has anyone moved from USA to Canada on a PR? What did you do with your stocks and investments in the US? Are you getting taxed by Canada too?

Hi there. Has anyone here invested in a manual car wash? If so, how profitable is it realistically and also what to look for when buying one? Thanks in advance:)

Ex-EY cyber SM. Interested in Deloitte-Accenture-PWC open to connecting to network and chat. Thanks!

I'm feeling overwhelmed by my workload, but I don't want to ask for help because I fear looking like I'm unqualified to do the job. What should I do?

Are we all small training sets waiting to experience and learn it all and eventually be part of the master AI aka God?

Do you keep offering circulars/memoranda from a financial printer when you leave a firm? I have a few (some private, some public) and I’m not sure what to do with them.

I’m currently a second-year student can I still apply for the open profiles at Cyntexa?

Been searching for work for about 2 months now, and I can’t tell what companies are looking for anymore. I have 2+ years as an AE full cycle. And I get rejected left and right. My resume is up to date, I’m applying non stop, what else can I do?

Is Google the end game?

🙋🏼‍♀️ 🐟, can you please post the salary range for band 7 in @standard chartered and the tech stock like Tableau , Microstrategy and powerBI

Successfully made the jump.

Places where I applied and got an interview so at least I know they look at fed backgrounds. Might want to check them out. These were DC area.

Amazon
Google
Marriott
Visa
Facebook

What makes more money IT Audit or IT GRC?

Will _vois provides WFH option after covid too. Have they given it anyone before pandemic?

Sharing my experience with Deloitte USI interview and offer negotiation. I gave Deloitte interview 2 months ago. After managerial round I did multiple follow ups and Deloitte didn’t bother to reply. I moved on and got another offer. After 1 month Deloitte came back and asked for documents and didn’t show up for another 1 month. Today HR called and asked my expectations. I have 23.5 in hand so I asked for 26 which she said out of budget. Then I asked 23.5 fixed atleast. Contd… in comments

Anyone here have some good leads for sending a colorist reel out? Just cut a new one and recently incorporated. Trying to get the ball rolling for when things pick back.

What skills must one build upon to pivot from Investment team at a PortCo of a mega fund (>$300 Bn), to investment team at a PE?

Would genuinely appreciate some advise as I start this new role at the PortCo from next month. TIA 🙏

I feel left out in my firm. How do I make 'friends' with my colleagues? I've been here for a year. I am naturally not a very out going person, was never 'cool' and I struggle to speak in group situations / make engaging conversation with higher ups. It is an important trait to have in this job and I just don't know how to do this. It makes me very upset - I even sought therapy but wasn't useful. I can't spend 14 hours each day feeling like this:(

Advice needed!! Have 8+ years of compliance/legal/in house experience (not privacy law except HIPAA). I really want a Privacy Counsel role so I took and passed the CIPP/US and CIPM exams this past year. I’ve been offered an Associate Director job at PwC. Is this a good stepping stone to a Privacy Counsel role? How long should I expect to work at PwC before I could apply to Privacy Counsel roles??

We are all sleep walkers (specifically in Europe) walking towards the second wave of corona virus cases and potential lock-downs even though we should all know better.
Change my mind!

IBM, Mindtree or LTI which one's a better for Senior Salesforce developer role, only LTI offering Servicemax + Salesforce developer role?
CTC difference is only around 1-1.5 LPA

Bounce tomorrow/Tuesday then going short with oct expirations

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

FIRE - What is your total net worth so far? What's your profile?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

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 %?

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

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

What’s the meaning of life before FIRE and after FIRE?

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.

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

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)

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

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?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

Anyone start later in life? About to turn 32 and my retirement savings are sad.

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?

Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

Listening to Rich Dad Poor Dad and I keep expecting every story to end “and then everyone clapped” 🙄

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

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.