I have a Roth IRA account with M1 finance and it is down by 8% since last year. Just want to check if it is something that I am doing wrong or it’s just the market? 📉

Waiting for Biden’s news on the student loan pause…. Can we get an answer already?

Hello :) I am moving locally within the Bay Area in couple of weeks and all the movers & packers I am getting quotes from, prefer to be paid in cash (there is a convenience fee with credit card payment). What are the advantages/disadvantages of either method of payment? Thanks :)

Hi all
I'm prepping for a final discussion with a fund and need some help with a few questions.
1)Where would you put 500m now ?
-logistics real estate in airport cities (roll up and upgrade storage units)
-tech infrastructure (data centres, dark fibre etc)
-D2C consumer
-industrials (cement, plastics etc) - as esg kicks in money will get pulled out but prospects will grow as the big infra boom kicks off
-agri commodity owners and producers

I’m new to investments - my advisor in India asked me to start off with some corporate FDs and large cap mutual funds. Any thoughts, given the COVID scenario?

Wanted to get your perspective around buying a new construction house in Decatur GA. According to you, what could be the pros and cons? Budget under 500k

Any one have other Dallas based sources of income? Tips?

Not sure if this has been discussed yet, but do you charge tax on your freelance, 1099 invoices? Trying to accommodate for taxes being taken out and inflation 😪 would love to know if this is common practice - I’m in NYC. Thanks!

What was your first Salary/Income and how much do you earn now?

“As a general principle, for those looking for advice from this thread, it is generally better to own physical things like a home or stock in companies you think make good products, than dollars when inflation is high.”
Elon musk

How to save tax for the money from freelance work? As i already have a full time job.

If I’m concerned about high inflation and want a safe investment, is a TIPS ETF a good move?

Spouse and myself are in Mid 30s both work for big 4 have a kid living in HCOL, save 100k a year in Cash after all expenses, medical and tax deductions. Is it decent or we are under par compared to the market?

I'll be moving to Dallas for work this summer. I've been looking into housing options within walking distance from my job in downtown (wanna minimize driving as much as possible). Most of the places I've seen within my budget seem to have really mixed reviews. I don't need anything big or fancy--just needs to be safe and clean. Any insight on these places (or any other recs) would be great:
555 Ross
Moda
The Crosby
The Merc
SkyHouse

How should I interpret 3.37 AMH in a 35yr old? Is it good or not so good?

Is it worth it to buy a multi-family home to rent out?

Guys, I'm leaving TCS in Nov, I have question regarding my PF, actually I'm in Europe now on Deputation from TCS and I got a job here, so I resigned from TCS. I don't want withdraw my PF, is there a option?

Amex has resumed its referral program. If anyone want to get a card with NIL fee for Year1, please dm, I'll share the link.

What's your favorite tech product beta launch and why? 🚀

Please suggest which company is best to join Barclays or Pwc for cloud engineer role.

If you were laid off while going through the interview process at a company and there was no reason to bring that up BUT now you make it to the final round and they directly ask "why do you want to leave your current job?", what's the best way to answer this?

Normal to not hear from recruiter or hiring manager for weeks / month+ after conclusion on all interviews?

Hello I looked up the average Patient access supervisor salary in my area and used that to ask for $35x hour but was brought back down to $30. Anyone know if it’s worth this salary? My gut tells me take the job for the experience!

How to negotiate for 1.5-2L more after accepting offer letter?
I accepted offer from A 6weeks back.. now I have two better offers from B and C. I want to re negotiate with A and ask for 2L increment. How to go about this? Is it too late now to renegotiate? Should I ask A hr for increasing CTC?
Please help me choose.

I can make my net salary with ease on the stock markets. Fuck this.

I had salary discussion two weeks ago and had shared documents with HR. I did follow up last week and HR said they will take some more time. Need suggestions on how frequently shall I follow up ? And is there any chance they might delay it further

Company is offering me either a macbook pro or dell xps for a non engineering role. Which laptop should I choose? I’ve only done professional work on PCs

Need some mental support or advice. I am 38, had 25 eggs retrieved, 12 fertilized, but only 2 embryos were biopsied. I know numbers drop at every stage, but I did not expect this big of a drop. Don’t know what to think, what could be the reasons. Did anyone had a similar situation?

How can I get released from my current project..just 7 months back..pls suggest..

Accepted a post-grad job with the firm I summered at. Really like working for my boss but not in love with the content. Recommendations as to how to approach getting experience with other groups? It is a full-service law firm. Thanks!

Resigned to the fact that I will probably be here forever because I didn’t gain the proper sellable analyst skills no matter how hard I tried. Literally feel like the shittiest of shit right now.

Anyone have a joining date of 28th December and got a call for delay in joining?

How do you prepare for the admin cert exam? I did the whole Udemy course, prep Trailhead trail, and was getting 80s-90s on the practice exams, and just bombed the real exam. How should I study?

If anyone needs help in GRE TOEFL Duolingo tests ping me i can help

I’m an attorney trying to learn about finance and economics. I didn’t take any economics courses in college and don’t have any experience in that area. What books or other resources would you recommend for a beginner? I’m not looking for investment guides.

If I’m concerned about high inflation and want a safe investment, is a TIPS ETF a good move?

Spouse and myself are in Mid 30s both work for big 4 have a kid living in HCOL, save 100k a year in Cash after all expenses, medical and tax deductions. Is it decent or we are under par compared to the market?

Any Big 4/CPAs here buy a home in VHCOL (SF/Silicon Valley/Manhattan)? I’m wondering how do we compete with tech money in CA and high finance money in Manhattan if we don’t have wealthy parents?

Is there any benefit to putting money in an IRA if the contribution is not tax deductible? I don’t see the difference between that and having mutual funds that reinvest dividends.

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

How much $ do you keep in your checking/ saving account?
I recently started investing, and have about $20K in ETFs, MFs. With that I still have $80K+ in my bank accounts which I slowly plan to move into my brokerage account. How fast or slow should I transfer these funds into my brokerage account?
Ive also been toying with the idea of buying a house which makes me question whether I should tie up more money into investments atm or not. Investment noob here, if it wasn’t obvious already 😅

Have to donate my old car. What precautions I need to take. Should I start with donation companies which tow the cars..my car is sitting outside driveway for 1.5 yr. Do I need to pay anything to the donation company.

Can anyone plz share the famous blueprint for income allocation by someone - 401k match -> roth ira -> max 401k -> hsa. Can’t remember all steps

Can someone explain the benefit of a HSA? If I get a HSA I also need a high deductible healthcare plan and I usually use up my entire FSA amount every year being on the PPO plan.

Looking to buy my first home and wondering if mortgage insurance is absolutely required with less than 20% down or can it be avoid? I would be putting down around 15% and have a ~820 credit score

I just invested 50k in Peloton. Did i just make the biggest mistake of my life?

It’s the weekend i think I’m going to play tennis what about you

To those who have an HSA and who are able to cap the contributions each year, what account balance would you need in order to not cap the contributions, or to no longer contribute at all? Just to clarify, these dollars are triple tax free, which is beautiful, but can only be spent on qualified medical expenses, so theoretically there’s some point where continuing to contribute toward it or capping the contributions may not make sense

I am 39, have a 4 year old and starting a 529 plan. I live in NJ and wanted to know how much should I plan on putting in the 529 plan for his education?

I’d like to buy an apartment in nyc. Is now a good time to buy?

Do you plan to retire outside the US? If so, how does it impact your retirement age?

My wife has EU citizenship and I also have a citizenship from a developing nation (cont)