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?

Folks, I've recently moved to the U.S. and healthcare here is a maze, even if I have health coverage through the job. I've been wanting to see a therapist and it feels like it is quite expensive to see one. I'm on a HDP PPO plan and essentially I was told I pay $250 a session till I spend ~$7000, and then insurance copay kicks in. Seriously at a loss if I'm missing something or if folks spend the same on seeing a therapist. I'm curious as to how a lot of folks are able to afford the price tag.

Any investor interest in Healthcare SaaS Startup?

Investment: $500,000
M/M sales now: $12,500

My son will be turning 1 soon and I would like to present a gift and thinking of investing on a watch so that it will hold its value 25 years down the lane, any suggestions would be very much appreciated. Budget is around $7k.

Anyone used Merill edge guided investing?

Question for the group: How to trade stagflation? Shorts and commodities / precious metals only get you so far.

BTC versus ETH as speculative investments and why? Looking to pile in about 20k

Do we have tax calculator in tcs

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

For the past two months, I’ve accidentally contributed 80% of my net pay towards 401K. Is there a way to withdraw from 401K without attracting any penalties

There are advisors who present themselves as a financial planner first and investment manager second. Which one are you?

Any healthcare strategy practices hiring here? I have 2.5 YOE in healthcare valuation and am looking to move into strategy work!

I've got a YouTube channel about all things crypto and trading. It is primarily an educational channel, rather than one that is specific to investing.

Please post video requests here. (Continued)

Has anyone started an LLC, S-corp, or C-corp for your day trading? If so what are the requirements for getting started with that?

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

How much percentage of your Salary do you Save/Invest?

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Hi fishes,
My LWD is 18th July and I chose vendor pickup for my assets(expected pickup is 10th July).
Is there any limitation or chances of facing issues on Not having laptop with me(for other exit clearances).
Also it would be great if someone can give guidance on exit clearances as I'm worried that I will miss out something.
TIA.

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

How is Christmas like your job? You do all the work but some fat guy in a suit takes all the credit.

Anyone from or at client side data analytics/media science? Wondering how the worlds differ, agency vs client.

As a resident in gen surg, wondering if folks have general thoughts on breast vs. endocrine surgery in terms of lifestyle

I'm doing this high fat and protein breakfast routine. I eat that and then don't have to eat again until dinner

Seeing local parents reacting to the public school lottery results in DC, got me super nervous about when it’s my kids turn.

I hate the idea of having so little control.

Anyone here at GoHealth in Chicago? I have an offer and would like to get some feedback. TIA

Hi
Can someone refer me in Citi
If there is an opening for analytics position

Skills: Python,SQL,excel,sas

Yoe: 2.3

Have you guys ever thought about unionizing? There's some rumblings at my company but I don't know too much about it

How do you prepare for the role of technical architect? What kind of preparation do we need on daily basis?

Hi 🐠 - I’m actively seeking consultants with prior BA / product owner experience for roles at a boutique NYC-based IT consulting firm. DM me!

@microsoft my spouse is starting a new job at Microsoft and want to buy him swag. How can I find some or buy something new off someone? The Microsoft merchandise store has a steep shipping price

I have been in my current job for 1 year now as a booking coordinator for a logistics company. When I started I had no idea of what my workload would be, now I noticed that my coworkers took the opportunity to pass most of their job to me. I’m burned out, can barely take break and end my days totally drained and exhausted, also the same people is harassing me with questions like: “why are you working that slow?” Or the “quality of your job is questionable because…..” continue in comments

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 have two mortgages, one at 3% and one at 4.25%. Is there any benefit to paying either of them slightly higher than the minimum payment requirement (ie, maybe like $200/month more)? Additional factors to consider, my HYSA currently yields 3% and I am looking to buy another property in about 2 years and would prefer to not sell the either of the two properties currently on mortgage.

What’s your FIRE target age (where you no longer maintain a salary job)?

1M net worth, 450k total comp, age 35, just paid off tons of student loans TONS, want to retire at 50. What’s the move?

Investing beginner here. How did you learn? Any resources that I could read/watch would be helpful. Thanks

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

Whats the biggest tip you have for FIRE?

For me, I think “pay yourself first” is the most important. It forces me to save money first so I wouldn’t need to worry about making a budget for expenses, since I can see how much “disposable” money I have to spend.

I just started this recently. Each month, I allocate $1k of my pay to my brokerage acct and $1k to HYSA (to buy property). I max out 401k and do backdoor roth. And save all my bonus. So each yr, it’s around 70k: 24k + 20k + 6k + 20k bonus.

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

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

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

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! 🎉 🎉

Anyone here working in the NYC area? Wondering how you manage to save and buy for a house with such a high cost of living in the city and the suburbs around it. How did you do it? And areas that you would recommend looking at. I’m currently 24. Maxing out all retirement accounts, debt free and have 6 months emergency fund. Looking for areas to buy a house in the future, but getting discouraged with these crazy prices

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

How much have you saved from refinancing your student loan?

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?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

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?

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.