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 %?

Investor’s Business Daily: worthwhile?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Will states start imposing sales tax on NFTs?

Didn’t invest in LTC early on, it went down to 260 today - worth pulling the plug on it?

Applying for Uk visa from overseas- How do I know if I am eligible for IHS loan ( immigration health surcharge) can someone explain this here? Thanks a lot

Recently received 30k and wondering what to do with it. Not yet a homeowner but also not sure if we’re ready to buy anyways. Have a young baby. Any advice on how to figure out best use?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

My direct report expensed Cal Bar late fees assessed for reporting MCLE credits late and for paying the bar fee late. It’s around $190 extra. I don’t care about the money (it’s not mine) but I think this is principally wrong to ask the company to cover it. Thoughts on this and how you would communicate it?

Any ideas for a second career for a high school counselor? I plan to retire at 60 this year, but will need a job to supplement my retirement income until I get social security.

150K in Singapore, and $150K in Chicago. Which one would you accept?

Hi FIRE friends! My mom is going to get about 250k from the sale of her house in a few days. She’s 58 and has very little saved for retirement (immigrated to the US at 45 so only about 50k in her retirement savings currently). She’s maxing out 401k, Roth IRA, and HSA. I’d love to get all of your thoughts, where do you think she can put the money from the sale of her home?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Is moving from Seattle worth it? I've heard the freeze is still in affect in Portland but I'm more worried about prices. I WFH mostly and pull down like 120k a year, Seattle is getting crazy expensive rent wise and crazy full. I'd like to find somewhere new but stick to the PNW.

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Marriott or SPG credit card (for the sign on bonus)?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

These paychecks aren't cutting it. Side hustle ideas?

By investing 50k/annum in NPS I can save 15k tax per year.. Suggest me I should opt for NPS or not?

Good morning! What auto insurance do you recommend at Bay Area? Just moved here and my State Farm premium almost doubled. Thanks!

I joined on Nov 2020 in EY GDS as Senior 1,so when I will be getting progression for senior 2?

For the people who earned the SHRM-CP, did you feel it was worth it? I have an indirect HR position, been applying for more HR focused positions and wondering if this would help. I got the CAPM (certified associate of project management) in December, but that hasn’t really changed things. Would love some opinions before working on another certification!

What are your goals for retirement in healthcare?

Any McCann NY new business fish in here? I see you have an opening and would love to get the inside scoop.

Who wants to do a happy hour soon?

Why won’t AA let me book business class flights with points if they’re available to buy cash? (Qatar flight on AA site)

What’s your favorite POC only bar/restaurant/hangout spot?

So this bowl is supposed to be more indian politics focused ?

Anyone else think this corporate life isn’t for them?

What is the average fulltime, RN hourly range within Houston, TX? Trying to ramp up our bargaining skills. TIA!

1. 5 years experience, M/S, Telemetry
2. 10+ years experience, M/S, ER

In my first IUI cycle, took the trigger shot today and IUI is the day after tomorrow. I have 2 follicles - 16mm and 24mm in size. Looking for input from anyone on here who has gone through the IUI process. Please send positive vibes.

“Those glasses don’t make you look younger, they make you look older—but slightly more cool.”

🥺

Has anyone transferred to Switzerland? How was the job search and visa process? I need to move there since my gf needs to move back from a rotation in the US.

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

Can anyone explain why the Aston southend is so expensive ? 2.9k for a 1 bedroom?

Hey everyone! Let’s plan on a last minute chat at 4:30pm thursday 10/28 to get this started. Seems like some of you might be able to pop in for a bit. Apologies for the delay. I’ll send out an invite.

Londoners what is your agency pregnancy leave policy? At ours the current procedure for women is: less than 3 years of employment 6 weeks full pay and 12 weeks 50%. 3+ years you get 12 weeks full and

Hi I am in the last stage of getting a job in an investment bank in Krakow. I have 3 years of experience and the role is in model validation. Could anyone help me understand the cost of living there and the Salary I may quote.

What are some examples of fun and engaging workshop techniques you’ve done virtually? Looking to try something different in our next upcoming client session.

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

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

I’m curious why more non-US citizens interested in FIRE don’t go live in a no/low tax jurisdiction even for a few years e.g. Dubai, some Caribbean islands. I get that some people will have family circumstances (e.g. elderly parents to look after) so it won’t be possible for them, but for a significant proportion it will be an option

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?

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

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

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.

Are investment properties good for retirement?

Anyone know of a good cross-border US/UK financial fiduciary?

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?

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.

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

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

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

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?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?