I know I have an HSA, but haven’t used yet. How do I check the balance/use this? I think I probably have $600+ and will most likely need it soon for dental expenses

(1 of 2) Help needed...

Context: Married with first baby on the way. Plan is for my spouse to stay home with our (future) kids for next few years. My income is $250-300K and keeping it that way for a while as I’ve moved off partner track for at least 2-3 years as we start our family.

$120K in retirement accounts, $70K in cash, $50K in home equity, and $6K in HSA

Beyond mortgage, only debt is a $25K private loan that we can pay back any time in next 5 yrs. and isn’t accruing interest.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

I'm selling my home before the end of the year. What can I do to maximize profit before I have to pay tax on it?

My understanding is this classifies as short term capital gain. Is there anything I can offset? Is my understanding correct that if I have long term losses (from sale of stocks), I can't allocate against this?

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

Might be joining PWC soon. For independence, can I really trade no individual stocks? Or is it a fairly simply approval process for trades I want to make? Does independence apply to my family members?

Thankful for good lenders out there. Just closed on a refi that we started on October 9. My lender hung in there abs even relocked me to get me more closing help. 👍

Moving to the city and considering one of the Reside properties in lakeview or Lincoln park! If you’re at a Reside, do you recommend?

I sent my Crypto from Coinbase to Bittrex and both are $0! Nothing in pending deposits! What’s going on?!

At highest point, I had $315k in crypto. After last 6 months of downturn, Celsius and Voyager, all I'm left off is with 40k. I feel so stupid when I think about it. Original investment of 190k. Lost 150k that I can't tell to anyone, even my wife. I don't want her to go through the same level of dismay as me.

We earn good, have decent cars and home. I know I and my family are going to be fine, but still !!!

Share your investment debacle and cheer me up please...

We have been in NYC for a little while with kids (2/4 yo, we are 33 yo) and even if we are financially well-off, it feels like we can’t buy a house for our lives. We are in the legal industry but potentially could work remotely forever.

Anyone found a city they love outside of NYC where buying a house is doable? We love the diversity we can find in NYC (food, international communities). Any recommendations of cities to look at? Not interested in suburbanish settings.

New job. $4K left each month after expenses. 0 current savings. Not in US so no 401K, etc. How should I save? I’m thinking $1K cash and then $3K in Vanguard LS (after building 3 month emergency fund)?

How many families on this bowl do you think earn more than $500k HHI annually? More than half? More than three-quarters? (Not adjusting for COL, just straight up raw gross annual HHI, whether from one spouse or both, whether just from wages or from other sources)

Does the Hilton aspire card diamond status count toward lifetime diamond status? Like what if I just kept this card open for 10 years?

It’s crazy how much close friends influence you.
Would you stay friends with someone that consistently makes bad financial decisions. Or distance yourself for like-minded folk.

I have a friend that is constantly trying to guilt me and pressure me into overspending, especially on “luxury” items. But I have different goals for my money and she doesn’t seem to respect that.

How soon after closing on a property can you apply for new lines of credit or buy a car without impacting the lending?

I recently signed up for a 0% interest (for 15 months) credit card to help with paying off credit card debt. I’m happy with the decision. However, I’m uncertain about the best way to use my upcoming..

I make 110K TC and live in nyc. Should I buy a Tesla model y? It’s around 68K but with the 2K nyc EV credit and federal credit of 7.5K, it’ll prob be 58K. Is this a feasible purchase?

I know there have been a million questions about building holiday tipping floating around but haven’t seen this addressed: are checks ok instead of cash? I give several hundred in total and all that cash makes me kind of nervous especially because I don’t see everyone to hand them out individually.

What's a normal amount of suicidal thoughts?

Looking to renew my lease on my 2bedroom/1bath. My roomie is leaving the country :(. Luxury building with all the amenities (doorman, gym, roof deck). Rent is 2300. Let me know if interested!

We have been in NYC for a little while with kids (2/4 yo, we are 33 yo) and even if we are financially well-off, it feels like we can’t buy a house for our lives. We are in the legal industry but potentially could work remotely forever.

Anyone found a city they love outside of NYC where buying a house is doable? We love the diversity we can find in NYC (food, international communities). Any recommendations of cities to look at? Not interested in suburbanish settings.

Wish me luck negotiating!

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What is the salary I can expect for a SC role at Deloitte in London?
HR might ask expectations and I will be relocating from Deloitte India.
Thanks.

I give the clients gold, but they decide instead, they want me to paint it with sh*t.

How do you handle it at work when someone low key insults you but pretend it's a compliment? It keeps happening but it's not something I can directly respond to. I've debated if I'm misperceiving, but at this point, I'm pretty sure I'm not. Office brawling is not an option lol

New job. $4K left each month after expenses. 0 current savings. Not in US so no 401K, etc. How should I save? I’m thinking $1K cash and then $3K in Vanguard LS (after building 3 month emergency fund)?

Hi fishes, how was the appraisal gods treated you in this cycle?

How many families on this bowl do you think earn more than $500k HHI annually? More than half? More than three-quarters? (Not adjusting for COL, just straight up raw gross annual HHI, whether from one spouse or both, whether just from wages or from other sources)

Need some cash to hire attorney and engineer. Anyone interested in helping fund?

New homeowner just here to share that my lawn is finally looking lush and green 😊👍🏼 I did that!!! And nature, of course lol. It was a mound of dirt when we moved in.

What does it really take to land a job as a pen tester/red teamer? I mean, if I don’t have the proven work experience in the function, what do I need to do to convince a potential employer to risk it?

"Maths" isn't a word

I've gotten the Deloitte D launch orientation survey. Me start date is on the 16th (less than 2 weeks). I've emailed BI onboarding twice, called my recruiter asking if they are ok with background/employment verification check and I've not gotten a response. I need to put in my 2 week notice and all my recuiter has said is I can push your start date out. Has anyone been thru this ? Does getting the D launch orientation email imply everything is good with background/employment checks

When starting at a new company, what’s an appropriate amount of time to pull together a social media strategy and general digital marketing strategy?

Has anyone experienced 4 days work week? 🐻

KPMG - what health plan would you choose if you had a baby due early next year?

At EY is I was reimbursed for a stationary bike 2 years ago. Would EY reimburse me for a road bike this coming year? There's a stipulation that says every 5 years but I'm not sure if that means for another stationary bike or if I can get a road bike and be reimbursed.

Regarding insurance deductible, I have already met my deductible for this year. If I change employer now, do I have to meet the new deductible again?

Does PWC cover lunch when traveling ?

Does Deloitte offer MacBook? Can I tell the recruiter to get a MacBook so he can help get all approvals? I have a Mac right now at EY

Deloitte giving $45/month to employees for WiFi related expenses??

What benefits your firm is giving for coping up with this Covid19 situation?
Deloitte is giving $50 for the accessories need to setup your work place at home like laptop stand, keyboard etc.

Changes in the healthplans are going to drive me to spend hundreds in out of pocket early on and I'll meet my deductible whether high or low. Any advice on how to choose a policy?

What are some hidden benefits at the firm?

Who has better benefits, Deloitte or PwC?

@EYFishes - What can you get for the $500 EY Health and Wellness benefit, other than the gym memberships?

Deloitte 🐠🐟 in the DC area, which health plan do you recommend? I'm with Kaiser and it was a huge mistake. I'm looking to switch for 2020!

When you join EY in the Consultant service line, if I will be traveling regularly would I be able to expense a lounge membership or have to wait a certain time period? Not familiar with the frequent traveler policy. Any insight helps. Thank you

My child needs psychotherapy. How many sessions does the United Healthcare insurance cover?

Incoming BA at McKinsey, and was curious as to how the benefits are for the Business Analyst role? Also, what is there technology policy? Thanks!

Does PwC dental plan cover orthodontics?

I don't want to ask the Mck recruiter more questions. Can someone explain the differences in the Profit Sharing Retirement Plan and the Money Purchase Pension Plan? Does Mck contribute to both?