I need to get better with budgeting. I’m looking for help in a few areas:

1. How much should be in checking vs savings?
2. My Landlord is in her 80s and just gave me my water bill from 2022 and 2023, it’s about 1k-1.5k per year and she says I don’t need to pay it all at once. What’s fair?
3. I also owe taxes from last year but am on an extension.
4. I’m overwhelmed on how to manage it all. Any advice on a budget program that’s good with payment plans and cutting down expenses?

Does anyone know if Visa’s 401k plan allows for a mega backdoor roth?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

For EESP - which is better share withholding or payroll withholding? Thoughts?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

How long did it take after getting your license to actually start making money?

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

Buying a condo with an HOA - what’s the average reserve % you’ve seen? My HOA is 23% funded, and recently raised dues.

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

Looking for suggestions on stocks to invest for beginners? Any suggestions on YouTube channels or articles/people to follow to read and stay updated on these things?

$TBLT man. Quite the thrilling penny stock.

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

Does anyone use a financial advisor? Any recommendations?

8k range was the long term 200 day MA support that everyone and their mother said they would be buying at. Well it’s 8900 and buy volume is basically nonexistent..

SOL vs ETH 2.0?

Hey investors - question from the other side: when you’re looking to invest, what are the biggest components you look for?

What are some good modern/post-pandemic personal finance books you can recommend?

For the partners/mds/directors etc how are you protecting your money with the new administration? I’m assuming Biden’s plan will help the lower class but for the upper class I’m sure there have been strategies your advisors have been telling you. I currently have 20k in savings and feel like it’s just getting inflated away.

Do Citius HR dont respond/ignore if not selected ?
Or does that mean i am on Hold?

Can anyone explain why the Aston southend is so expensive ? 2.9k for a 1 bedroom?

Need 11 likes for DM pls support

Anyone else here looking to make a switch into healthcare (physician, nurse, etc)?

Hi there, I will be completing 1 yoe in May 2022 and looking to join MBB's. My key skills are Aletryx, SQL, Excel with VBA, R, Python, Tableau, and Power BI. I am looking for some guidance from people working in Analyst roles at MBBs.

Has anyone ever been to the Alo Restaurant? I have never been there myself but I was wondering if this would be a good setting to propose?

I love my job, idk what you guys are complaining about...

Any EA's share an exec with another EA ?(different time zones)
What's that like?

Any book recommendations for learning about investing smart in your 20s?

Been on project for 2 months and manager said he doesn't know if I am ready for promotion yet (next talent discussion is July/Aug 2018). Any help on how to right the ship?

Here's a question I wish I never had to ask. Is it better to use the code for bereavement leave or just burn pto I'm going to lose anyway? Does it make a difference from a utilization standpoint?

Is Friday scaries a thing? I slept last night already dreading Monday morning. It’s Saturday and I can’t enjoy the time I usually have to myself. I feel like I have to start working now so (cont.)

Hi friends! Anyone looking to sublet an apartment (preferably 1BR) anytime between beginning of September and end of October for a month? I wanna do “trial” month in NYC with a friend - we are both tied to our jobs/other commitments in DC for another year, but would love to experience the city. Thank you!

Does EY have mortgage benefit？

Audi Q3 vs BMW x2 - opinions ?

Any suggestions for a face serum or face oil for dry, sensitive, acne prone skin?

If anyone he has done extensive laser hair removal (I’m talking full body), how much did your treatments cost and was it worth it? I’ve always considered it but now that I’m in my mid-20s and 1. just don’t care about body hair as much as I used to and 2. am no longer showing as much skin as I did when I was younger and did sports that required it, I’m wondering if it’s worth spending all that money.

Are you eligible to apply for Canadian mobility program work permit from the US while on OPT grace period of 60 days post opt expiration? It is still considered legal status in the US

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

Thoughts on personal loans to consolidate Debt?

What does 401k mean?

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

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

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

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

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.

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?

Google stock to buy now or after the split?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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.

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.

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

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.

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

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?