I invest exclusively in VTI and VXUS (80/20) split...should I change that? I feel like I’m missing some big returns.

Starting apartment hunting in NYC soon. Any tips and recommendations for studios & 1 bedrooms in the city in terms of price range, ROI, neighborhood, down payment, best time to invest etc.

Wish i made moreeeeeee money...

Regarding purchasing coins is it better to swap BTC/Coin or BTC-> USDT ->Coin

It's super frustrating to be "time poor".

That's seemingly just the nature of working in Biglaw.

But every day you have the option to buy back your time.

How do you buy back time?

It's simple—by saving and investing.

And you don't need to be uber wealthy to regain control of your time.

Consider this…

"Stock Market Today: Dow Starts Week on Strong Footing as Energy, Tech Gain"

Best robo advisors and why?

Eth $2k this weekend?

Can I just consider stablecoin staking / interest accounts (Anchor protocol, BlockFi) as my “savings account”? 7% of my liquid NW is in cash and 10% is in stables (rest is equities and other crypto). Hoping this is enough to pay expenses + tactically and periodically deploy into equities and crypto.

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Earning 82k. Putting 11% in traditional and 5% Roth. Am i doing it the other day around.? Can you please help me with the general consensus or a suggestion from your end?

My investing strategy is just to DCA into an S&P 500 index fund and keep buying and holding. If I understand correctly, the sole disadvantage this has compared to a tax sheltered retirement account is that the quarterly dividends will be taxed? But even so, they’ll be taxed at a lower qualified dividend rate since I’m automatically reinvesting those dividends.

Does anyone have any YouTube suggestions to learn the details of option trading? Or a good resource to learn about them? Apologies if this is out there...I couldn’t seem to find any threads on this

Does anyone have any experience with B2B buy now pay later? While I understand number of SMEs and volume of online transactions are important drivers, keen to hear different perspectives incase I’ve missed anything vital.

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Does RSM allow for Megabackdoor contributions?

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

I have been looking at the curriculums for Harvard Business School's Master of Business Administration and Harvard Extension School's Master's in Management. They both have the same requirements, generally speaking, including a field immersion course that serves as a capstone in 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?

Hi all,


Hope all is well.


After 1st round of interview in Deloitte Qatar followed by Online test, Reference and Background check.

I am waiting for the response now. It is been a week or more than that.

I just wanted to know the possibility of getting hired now. If anyone can assist me with this please assist me with some positive comments.

Thank You

I’m a college student studying data science. I’m interning at Deloitte currently is to become a data science consultant for non-profits. I don’t know if this is a role that even exists, let alone how I would start down that path. Any tips or advice would be greatly appreciated!!

36 yrs old. Still have hair on my head, I’m glad. But belly starting to come out and slim fits are not working anymore. I need to do something...

Anyone know market pay for Tampa (excluding the Holland Knight/Foley outliers)? I'm a 4th year looking for a range.

bought doge about a month ago for shits and giggles. TO THE MOON!!!!!

Has anyone done Uber as a means to keep bills paid while in transition? wondering if this would be sufficient financially

This post is an alert message for anyone joining the Johnson & Johnson EMEA account for SAP & had Rakesh Sharma for their Manager round.

He is nothing less than a con man & will promise you a lot to make you join the account. After that he will put you in testing projects. If you ask for a release, he will either not release you or release with a very bad rating and influence other project managers to not take you into their projects.

You will be left with no choice other than leaving TCS.

There is a Bus route timing xlxs sheet for Kolkata employees. Anyone knows how to access the sheet??

Going to Berlin next weekend. Recommendations?

There have been surprising news with layoffs lately. Has anyone here been affected by the layoffs at Twitter or META?

Partners, do any of you regret not starting your own business?

NYC, anyone going to the gala tomorrow?

I took a temporary job as an attorney advisor at the SBA this past fall b/c it offered a regular paycheck, and my solo practice was suffering b/c of the pandemic. I like the work. I like working from home. Anyone have any insight into the possibility of this temp job becoming permanent. Did the SBA hire you permanently when your temp position ended? How did that happen?

Has anyone here successfully re-negotiated rent since the height of the COVID crisis? Live in NYC and can’t go back because I have to regularly take care of a family member with an immunodeficiency.

Hi Sharks,
What is the average hike at walmart every year?

Hi, currently making 10.5 lakhs fixed as AM ( recently promoted) , have an offer from KPMG for consultant for 15.5 fixed. Should i take demotion from AM to consultant. Also if i resign now , will miss out on 1.3 lakhs rupees bonus which will get in September. Also please tell about DT-CDSG team at KPMG India. TIA

What was the march today about? Was it some Independence Day?

What is yearly increment or hike in pwc india

I read these posts and what numbers you have with FIRE. I don’t have nearly that much saved; I am paying for two kids in school (college). What is the minimal amount?

Poor, clueless 23 year old here. Any tips on how to balance retirement savings with short-to-medium term savings goals? (Wedding, MBA, car, down payment).

I currently max out my Roth IRA, but don’t max out my 401k. If I did i would have nothing left for liquid savings. Any tips?

Anyone here read “Die with Zero”? What are your thoughts on the principles from the book?

Does anyone pursuing FIRE actually like their current job? Trying to get a grasp of how much of the FIRE movement is driven by escapism from unfulfilling work.

Do you count your car as part of your NW on Mint/other trackers?

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

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

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

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

How are you all going about continuing to buy index funds while everything is literally green and I see people doubling their investment in such a short amount of time. Feel as I am missing so much money that could’ve been made. But VOO goes up 1% :///

Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? 

Have 700K USD worth of invested assets (less real estate, cash/receivables, and precious metals). if I need 4K USD per month for expenses, can I now coast?

What to do when your spouse is on a diff tangent in terms of finances? My wife wants to spend spend spend and I want to save save invest.

What's a good balance between types of investments for an average risk person (e.g. % real estate, % stocks/market, %government bonds, etc)?

Any suggestions for joint investment account with a significant other?

At what investment size should you typically start using fee only financial advisors?

Anyone here from NYC? Be cool if there was a meetup.

Probably the antithesis of this bowl - but need some advice. This is for a house in a Southern metro. Built in 1960s completely remodeled in 2000s with some very recent additional remodeling of kitchen and bathrooms. Well kept house. The price will be nearly $1M, the same as something built in 2010+ with similar square footage (because a lot of the price is the lot, its a super expensive zip). Should I steer clear because of the age? Will it cost a ton in maintenance and utility bills?