I make about $150k and have $37k in credit cards and loans, not including student loans. I’m now following Dave Ramsey’s Total Money Makeover plan to pay off debt, but I’d like your opinions on my car loan—

I have a BMW that’s worth less than 20k. I’m still making payments on it, ~$840/mo and have a balance of ~$23k. I’m upside down on it, I think is the term. I know Dave Ramsey suggests selling our cars to help pay off debt, but being that I’m upside down on it, should I still sell it?

Hello everyone. I’m a home inspector and looking to invest in commercial real estate. Anyone currently investing in storage facilities, laundromats, lounges or apartment buildings?

Hi folks - anyone here is a realtor or was a realtor in Toronto before? Looking to chat with people who have the experience.

Which luxe car do you own/ lease? I’m gravitating towards leasing a Mercedes.

You will attain more happiness, freedom and feel wealthier by controlling your desires more so than your income. When you learn how to be satisfied, you will attain a more true wealth.

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

Lessons that I learned in past weeks: 1) be careful with out of money options as they don’t have intrinsic value 2) don’t make rash decision based on blindly following others 3) cut loss and ego

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

Today I lost out on a house because my offer of $90k over the list price was beat out by another bid. Everyone else having an equally crappy Monday?

Recently moved to Denver, and may be sticking around for good. Planning on buying in the next year or so, and some of the suburbs off 25 and south of 470 have caught my wive’s eye. Thoughts on Douglas county (or specifically castle pines, Parker)?
We’re a mid-30s couple, with a 4 y/o, so for priorities: schools, (hopeful) resale value, and activities for our daughter and family as a whole. Any advice or alternatives would be appreciated!!

Where do we view Tuck scholarship info?

I was paid a retention bonus last year which I have to return - couple of questions: Will I get a corrected W2 ? If yes, how much time does it generally to generate a corrected W2? Should I wait for corrected W2 to file the return ? (with the current comp - I owe taxes however with the W2C - I will probably not..) thoughts??

Hi do you interview from time to time just to check what’s your market worth?

I got married in 2021. Before my wedding I lived in State#1 and after the wedding I moved to State#2. My spouse lived in State#2 the entire year.
Can I file as Married Jointly in such a way that State#1 only calculates my income for the portion of the year I lived there?
Or do I need to file Married Seperately?

Decided to payoff my mortgage.

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

I paid off all my debt (mostly student loans) earlier this year and haven’t changed my spending or lifestyle and the savings have been piling up. It’s getting addicting just watching it jump up after every paycheck. Feels amazing to no longer be in crippling debt and finally move on with my life.

If I had stayed at my old agency 6 months ago I would have been promoted by now. But experience is more important than title, right? Trying to convince myself of that.

McK/Bain fish, do you guys get free leatherbound notebooks?

One of my coworkers thinks she deserves more PTO than it is allowed in our agency because she's "struggling". We all struggle with our own battles but she's being very rude about it. How can we handle this?

What challenges have you all faced in light of COVID and how have you adapted models/forecasts?

What days does your firm close for the holidays? Are you all working on January 2nd?

(I don't want to be a task master, but as an associate, I was expected to work a half day on the 24th, and a half day on the 31st. I'm closing the office 23rd and 26th this year, but currently listed as open on Jan. 2nd).

Hi guys, please help me get to 11 likes. I hold 3 years of experience as an python Flask + Vue.js + MySql web developer.Please do suggest any relevant jobs.

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

Do any of you participate in employee stock purchase program? I’m at an IPG firm FWIW.

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

Corvettes...yea theyre fast and cheap but is that it? What's their appeal?

We are all sleep walkers (specifically in Europe) walking towards the second wave of corona virus cases and potential lock-downs even though we should all know better.
Change my mind!

Does Cornell have an NYC campus for their MBA program?

Hi Fishes

Want your opinion. how much base pay can be expected for a senior associate position in Technology Consulting for someone with ~7 years of experience.

Hi fishes,
1. I heard that few people received promotion mails last week. Is it true?
2. Also I got a mail about promotion requirement compliance status pending, does that mean I am getting promoted or is it a default mail.
3. Also I joined pwc ac bangalore around 10 months back as associate 2 , how much hike and bonus can i expect with/ without promotion

Current CTC 12LPA
YOE 4.6

Thanks in advance

Hi guys
My current ctc is 11.7 fixed. Having 4+ experience. What is the maximum CTC i can ask for. Please help

This middle schooler told me that smelling nice makes your more eloquent and then sprayed me with something. I don't know what he did but after that I had a weird axe-scent.

Where in dc is fun to go out on a Wednesday or Thursday? My team travels in and I’m never sure!

How bad do you have to be to get fired after your first busy season. Asking for a friend

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

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.

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

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.

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

In your opinion which is the best target fund to choose in IRA Roth?

Can someone help me understand how backdoor Roth works in my situation?

I contribute the $19.5K max to a 401K each year. Would backdoor Roth be (A) the ability to roll $6K of that $19.5K into a Roth? or (B) an incremental $6K that I could contribute to a separate IRA then backdoor into a Roth?

Asked another way, does backdoor Roth allow me to actually contribute $25.5K each year, or does it just allow $6K of my $19.5K contribution to build in a Roth?

Thanks!

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

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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.

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

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?

QQQ vs VOO?