I have over 100K located in my old 401K from Fidelity, and my current employer uses Empower as the default 401K program holder. Is it benefit to roll over it to Empower? If it does, is it good to set it up as a rollover IRA or convert it to Roth IRA?

Thanks.

Anybody still holding off on 2022 backdoor Roth for potential policy reasons? Or no longer concerned?

What happens to carry if you move funds? Would your new fund “buy you out” or how should you raise this?

I don’t play with options much, but I happened to buy VERU calls for 2/19 a little while ago and now it’s skyrocketing, it’s up over $1k for me- will it keep going up? Should I just take the profits now and be happy?

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Are there any flexi benefits in the payroll management system to get the tax exemptions in BA Continuum?

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Do anyone of you subscribe to the motley fool or any other stock advisor tools? Recommendations and thoughts on how useful they are?

Ugh I just signed to fix my house’s mortgage interest rate at 2,73% for 2years. Get a gut feeling this wasn’t a good deal.
Have you fixed or planning to? If yes, how many years and at what rate?

My company allows contributions to both traditional (pre-tax) and Roth (post-tax) 401k. Is it better to split my contributions between the two? For example, I could contribute 3% to Roth and 3% to traditional (my employer matches up to 6% total but that can only goes to traditional)

None of us non citizens will see this stimulus check right even though we are residents for tax purposes?

My firm doesn’t match my 401k — still worth opting in?

Possibly legitimate or yet another failed altcoin? What do you guys think? -http://bitcoinr.org/

We are buying a house and my knee jerk response was to look at a 30 year fixed mortgage (because that’s what I’ve always done). I realized last night that a 30 year mortgage might outlast me. Having a bit of an existential crisis now.

Been dollar cost averaging for a few years now into index funds. Currently down $15k. Sometime tell me I’m doing it right…🤦

1099 or w-2 ? I have been given the option though the company prefers w-2. It’s a day rate booking couple of months or more (no end date). I already have 1099 from similar company this year and am leaning towards 1099, but I don’t want to be difficult. I do take home office deduction and they are not supplying any equipment. Suggestions?

Hey everyone,
Can somebody please suggest some tax saving options?
I can't use rent and car as tax saving options. Please suggest others options.

Thanks🙂

Any San Francisco peeps have a good accountant who specializes in taxes for freelancers/contractors?

To those of you who are planning to apply to MBA: Make sure you choose your recommender CAREFULLY. Really evaluate the person you’re requesting the letter from, their personality, and their relationship with you. You don’t want to be back stabbed like me 🙃

Can anyone recommend a carrier that will write beyond the age of 85? Thank you !

Any thoughts on the IP litigation outlook in Atlanta and/or Charlotte? Looking to move but I’m not sure of the workload there. I predominately focus on patent infringement at my current firm.

Masters only patent agent in life sciences, worked in house for 2 years as a paralegal, patent agent for one year now. What should I expect for salary in NYC boutique/big law ?

Are my admissions chances at Ross hurt if I can’t attend the team exercise on campus?

I have been looking at the curriculums for Harvard Business School's Master of Business Administration and Harvard Extension School's ALM in Management. They both have the same requirements (generally speaking) including a capstone course that serves as a field immersion course with the Master's in Management, which is fairly new. If I am not able to gain admission to Harvard Business School, but wanted a similar educational experience to become a consultant, should I attend Harvard Extension?

Any good ideas for mouse macros? So far i have ctrl shift L, paste values, and format painter....

Got an offer from OW entry level London.

Does it make sense to join if I don't really have much passion for FS?

Other offers are EY-P, Marakon, LEK, OC&C

Any thoughts??

Any other golf coaches out there? What are your favorite drills with your players?

I’m an Accounting Junior. I just completed a big 4 internship and got a full time offer for when I graduate. I have another upcoming internship that I actually want to accept a full time for. I don’t want to be in a position where I decline the current offer and also don’t end up with an offer from my upcoming internship. Any advice?

Anyone have any negative secondment experiences? If so, what made it negative?

Hi everyone. Can anybody let me know about the culture, work life balance, compensation growth and career growth at HDFC Ltd.

Do anyone of you subscribe to the motley fool or any other stock advisor tools? Recommendations and thoughts on how useful they are?

My boss in my creative agency threatened to fire me because I, a male, came into work with my nails painted. HR is having a very complicated day today as I found out I could take legal action if he does fire me since we don't have an established dress code that has any guidelines against male nail polish wearing.

Hey. Anybody looking to sell their car here in Chicago area ?

Hi DI folks, how were the hikes last year??

I have friends seeking 2 ACL wristbands for this weekend. They are happy to buy a 3 day pass even though we are halfway through the event haha. Thx.

Any good wedding ring sources aside from Blue Nile?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Does it make sense to max out my 401k if I want to retire by 40-45?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Best place to put money after an HYSA? Ideally saving for a house in 7ish years. Currently contribute to 401k, maxed my Roth IRA. Looking at Sofi bank CD’s at 4.65% yield (6 month). Is brokerage invested in ETFs/Mutual Funds next step? TIA

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

What does 401k mean?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below: