I currently max out my 401k, HSA, and Roth IRA. I also invest in stock and crypto. With the latter doing so well, does it make sense to reduce my 401k contributions by a few % to capitalize more on those investments? 26yo

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Posting as :
works at
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No

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Gotcha. Thank you! That’s really helpful. Taking whatever chunk every pay check that you have for investing and just breaking it down into percentages across all your different investments streams. I’ll have to start doing that 🙂

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Hello. I am a Sr. Systems (Management) Analyst (equivalent to a Sr. Software Engineer), promoted to this position in 2019, from a Software Engineer position. I am doing really well and I always get great annual performance feedback. I work for a health insurance giant, that has a headquarters in MN (😉), but I am based in IN, with 10YOE total. I'm wondering how much I should be making, and if it is high time to ask for a raise or look for other opportunities and jump ship.

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Thought for fun .. It’s been noticed that Amex folks do not respond to queries like “benefits at Amex” , “annual hikes at Amex” and so… Is it true guys ???

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Most common piece of feedback your clients give to destroy good work?
“Product needs to appear 3 seconds into the commercial”.
“Let’s mention all our 32 product benefits”

What do you got?

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Planning on joining Deloitte as a SM in Healthcare Consulting. Can anyone comment on how the path to MD or Partner look like? E.g. number of years etc

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Which one is a better choice?

YOE - 4.4 Years
Skill - QA Engineer

1. Oracle India - 18.2 LPA fixed
2. Amadeus Labs - 17 LPA fixed + 1.5 variable + 75k joining bonus.

I want to join Oracle for its brand, but Amadeus on the whole provides better benefits than Oracle like transportation, food facilities and better hikes. Is it true hikes in Oracle are terrible?

And how is the job security in Amadeus?

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What benefits, perks, and other work life balance things would you like your firm to have in an ideal world?

What are the benefits of getting the president's club award?

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I’m switching job and my salary is 8LPA in the new organisation. What are the ways to pay less amount of taxes? I’m very much new to this because my salary in EY was below 5Lpa.

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NYC Freelancers! My Medicaid is ending soon and I need to start making health insurance decisions (lame). My current agency is offering me FT and I’m pretty terrified as I feel like I’m going to sell away my freedom. Their health insurance is pretty good and allows me to put my partner on it. I’m trying to also rationalize paying for my own in NYC but it’s so expensive ($500+/mo). I go to the doctor fairly often. Single NYC freelancers (no kids), what do you pay monthly or yearly? Worth it?

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What is the firm doing about retention/turnover? Any discussion about improving benefits? 401k match? Pto?

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Hi fishes,

What are the benefits of working in bank of america other than ctc ?

Anyone here from Moody's? How is the company, growth opportunities, benefits and comp? Interviewing for a VP position in their Moody's Investor services group.

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What is a good credit card to get for travelling benefits? (I’m in Australia if that makes any difference)

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Is it a good idea to join Hitachi Vantara ? How's the work culture and benefits at the organisation?

I have an offer of 25.8 L (fix+variable) for 7YEO, Brand Marketing profile.

Any suggestions or point to note is welcome. Please do take a minute to help. Appreciate your support and effort. 🤗🙌🏼 Bless you.

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I’m on OPT working full time in consulting. Under my F-1 visa, am I allowed to collect income from my country if I have a gig there? e.g If I join a college prep academy in my country, am I allowed to accept payment from them into my US bank account (as in they do a wire transfer for my help)?
Thank you

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Hi All, I'm moving to a Corporate
Development & Strategy role at the
analyst level (fintech focused) I
wanted to get some transparency on
how much I should be asking them
for comp (please let me know base
and bonus)

My past experiences is I was a
investments banking intern at
Citigroup on the M&A team and was
a Private Equity Summer Analyst at a
healthcare focused fund. For the
past year after I graduated I've been
working in a rotational program
that's focused on institutional sales.

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My work office is in philly but i wfh in delaware. Why im i paying for both state taxes as well as philly tax. Is that right or do i need to make some adjustments. Im at PwC currently.

likesmart

Will TCS Provide Dental benefits???
If yes, who all can avail it ?

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Hi all,
I will be transitioning from a marketing specialist role to a Field Marketing Lead role. I am struggling to find a pay range for this title. Does anyone work in a Field Marketing role that can share some general ranges?

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Hi Fishers,
Need your inputs please. I have applied for operations senior analyst in
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Any Attorneys receive permission to engage in outside business activity? I am onboarding at a global company (not a law firm) in a JD preferred position. I’ve been solo mainly helping small biz set up LLCs. I wonder if this is permissible? Yes, I did disclose, just eager to hear back.

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Do you remember your first day of your current job? How'd it go? Was it one of the reasons why you're still there? Starting new job tmr, kinda nervous

Love that they're the first company I've joined that provided a personalized onboarding pdf with my login info, links, team structure, work expectations etc. I don't have high excitement or dread (yet, hopefully not), but if the rest of the job is as structured & transparent as this guide, I think I will be ok & might just be able to stay a while

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Women shouldn't have to give birth alone. Do you think a support person should be permitted (with screening) as an essential member of the birth team?

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Anyone ever used Poshmark? Is it a yay or nay?

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To prove this bowl isn’t date what’s everyone a/s/l

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Housing marking is insane here. Was outbid by 50k and it was an all cash offer. Idk how to compete with that lol any tips for navigating market ? I wonder if I should wait 6 months and see if anything changes but could be worse

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Is Koch good company to work? How is culture& work life balance?

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Why do you believe so many black attorneys leave biglaw?

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While negotiating the offer the recruiter came back to me and said "We’re working through headcount planning right now. The position you applied to is closed". Looks like a hiring freeze. Does this mean layoffs are coming up? What about the candidates (like myself) who cleared HC and was in negotiating process?

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I will be joining new company for that i need to relocate, i have a gap of almost 20 days in between, should i go before joining and rent a flat or wait till on boarding. How do you people do it?

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11 likes plz to unlock my dm..

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Additional Posts in FIRE Financial Independence Retire Early

I am convinced buying a house is a poor use of money when living near any mid-sized to large city when looking at investing that money over a 15-30 year time frame. What do I need to be considering?

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Where can I start learning about retirement in America? I’m naive on the topic and originally from another country so I need reliable learning resources. I’m 31 and don’t have anything yet, except 6months in emergency fund and I started traditional 401k a few months ago, but can’t max it out currently as I make less than $70k right and single, so I’m currently putting 6% on a targeted retirement age portfolio.

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How much should I have saved solely for real estate investments?

I think I want to step my toes in the water by renting an apartment complex and renting it out on AIR BNB.

Has anyone here done this? How much would you advice I have saved before I do this? I know there are fees as well as costs of furnishing, etc. but looking for further advice :)

What is considered a good interest rate for student loans? ~30k over 10y. Is 2.6% good?

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Do people tend to age out of wanting to FIRE?

In your 20s-30s, you don’t know much, you’re told what to do, you have few financial resources so you are tied to your job. Under these circumstances it makes perfect sense why you would want to FIRE asap.

But eventually you advance up the ladder, you are now the boss and your people do all the grunt work. You also have built up expertise which makes the job easier. And you are making the best money of your life. FIRE is no longer so pressing.

likesmart

Advice time. So I’m making 100k roughly and I still live with my parents. Moved back due to COVID as did a lot of people I think? Anyways I want to save $ to buy a house. Should I still be living at home? I was planning on leaving when COVID finally becomes a thing in the past so assuming the summer of 2022 so roughly 8 months from now. I know I am extremely blessed and thankful to god that my parents are kind and allow me this but just want advice please.

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Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

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Currently looking to refinance my first home (4.125) and considering a few options. What do you recommend?

Background: 36, single and hoping to meet someone, would move from townhome at that point. Would like to save on interest & reduce costs in the time being. No other expenses but car is 10 years old and would prob need a new one within 5 years.

Loan amt: $220k
Current Principle + Interest 4.125% : $1104

Refinance options:
7/6 arm 2.25%: $848
30 yr 2.87%: $920

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Any market considerations before refinancing my student loan with current rates? They’re giving me a .75-1% drop.

It’s worth it to refinance at this rate to save paying $1000 of interest albeit credit gets hurt. My only concern is missing out on inevitable lower rates forthcoming.

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How do you balance being smart with money verses wants and desires? I'm thinking about buying a new Supra but the fiscally conservative part of me balks at spending money. I can afford it and would really enjoy it.

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Maxing out my 401k, HSA, and IRA seems impossible!

I'm a SINK making $110k/yr. in a LCOL area and my expenses hover around $2,500/mo. What kind of salary do I need to make to comfortably max out the accounts listed above and contribute to a taxable brokerage?

Are there any SINKs out there that can comfortably do this while still living for today? At what salary were you able to do so? I have one debt--a car payment $600/mo. @ 3.79%. Bought in August and plan to pay it off in 2023.

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I hit my FIRE number today at 50yo!!!! Had to tell somebody.

likeuplifting

Best HYSA for competitive rate and good customer service? I have seen a lot about ally and Marcus but recently seen more negative news about ally customer service and who knows if Goldman will keep Marcus around since they lose a ton of money for the firm. Which one is better?

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Got married, bought a house, doing a major remodeling, planning to have a kid… safe to say that I am no longer on track with my FIRE journey 🥲

likefunny

Anyone here retire in late 30s or know someone that has?

If you had an extra 50K laying around and wanted to take advantage of the recent correction in growth stocks, what you invest in? ETFs or individual stocks welcome. Won’t need the funds for at least 6-12 months

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I’m thinking about increasing my wealth but wanted to see what options I have. I don’t know much about stocks. I know real estate is a good way but not sure I have enough money for a second home right now. What other ways do you make extra income? My background is in audit, anything I can do with that in the side?

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I’m curious how much other people with similar incomes save/invest a year; I’m a 24M, making 70K a year in a HCOL city. I saved about $12K in my first year of working out of college, and I feel like that’s pretty good but I could’ve done better. My rent isn’t too pricey, but I went on 3 vacations, go out to the bars frequently, and spend pretty freely on food. Anyone care to share their income and corresponding savings for FIRE?

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Started/maxed out my 2020 IRA on Friday at the market high without knowing and now my whole portfolio is down 2-5% already 😔

likefunny

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