I opened a Marcus HYSA based on the advice in here and now (too late) I'm freaking out that I allowed this "Plaid" thing to access my bank accounts to move the money over. And it requires linking all accounts, which seems unnecessary. Do folks think it is secure??

Is this a good time to move from pre-tax 401K to Roth IRA? We have been one income family last 4 months but I still expect year income to be in $250K-$270K range. Considering conversion for $40K amount.

For those of you who hold cryptos, what multiple of your initial investment is your current balance?

What is your target net worth to retire?

is it feasible to buy individual stocks in my Roth IRA and sell later, and then switch to less volatile index funds down the road? Is this too risky/a bad idea?

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

Experts - I understand tha LEAPS help with liquidity amd magnify the returns but I am unclear what are the tax implications (Fed LTCG and state tax) when you are ITM and exercise LEAPS. Can someone shed some light on tax implications of the LEAPS? Thanks.

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

List the college you went to. When you graduated. How much you pay monthly on student loans and when you think you will be done.

How do filmmakers find investors?

Marcus HYSA rate cut down to 2.0% :(

I have moved all my traditional ira to current company’s 401k plan recently. Can I now do backdoor ira now without worrying about prorata rule? Wondering if I can start backdoor ira conversions immediately or if I need to wait for next tax year.

Looking for an investment advisor who is 1) a fiduciary 2) has a CFA/CFP/CPA or some combination thereof. No exceptions. DC/Baltimore area.
TIA.

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

Owe ~$4,500 in taxes for 2020. Anything I can do to reduce this amount? Going to contribute some extra money to 401k to get me to 19,500 for the year. Anything else?

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

It's getting extremely difficult to get a reservation nowadays. Does anyone feel the same?

There are few things greater than sitting at home taking conference calls in nothing but your boxers and tube socks.

I am done with my HR round. And said I am selected in Siemens, balewadi, but not yet received the offer letter. Its been a month now They are waiting for approvals. Any idea when will I get the offer letter.

I’m a certified Health Coach (my training/courses are CCE-accredited by the International Coach Federation) w/ a BS in Psychology. I got a temp to hire starting at $18/hr. It is my first professional health coach job & they did not require temps to have a coaching certification, but I have one. I’d like to know if temps could negotiate salary when given the job offer. The position is remote & I’d like $20/hr. I’ve invested in myself as a coach & plan to complete board certification by early 2023

I’ve been at a job for a few months and hate it - partners set unrealistic deadlines, micromanage, and create work that truly is not necessary/push urgency when there is no real urgency. I had other offers prior to accepting this job that may still be options, and going back to my old job (for a pay cut) might also be an option. I can’t tell if this is just burnout, growing pains, or just an untenable work environment. Would you ride it out for a year at new job or pursue other options? HELP!

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

I am thinking of making the jump from SLP to healthcare administration. Looking for insight on pay, job opportunities and job satisfaction. Thank you!!!

Is it common for a form to not let you see the RFE they are filing on your behalf?

Just installed UE5, add game developer to the list.

What productivity hacks do you employ? I like to shut off my email for 25 min intervals to focus on real work. It’s like a sprint of focus without being “unavailable” too long.

God bless ACB and DJT!

Looking for a dark walnut wood desk top. Ikea karlby is no longer being manufactured. Willing to spend up to ~350ish... any leads would be greatly appreciated. Also, post your current desk set up for some ideas 😬 thanks!

anyone here with Salesforce and do product willing to chat?

Im a student getting my prerequisites for nursing. Anyone else?🙋🏽‍♀️
I was very content with my choice until ive heard so many nurses leaving their carrers and all the negative connotation attached to being a nurse like working like 🙆🏽‍♀️ and barely being able to pay their bills. Any advice? Pointers?

Did anyone lateral into big law? First year in insurance litigation defense and I’m looking to see if it’s even possible to break into big law in a year or two

Hi fishes
I got a opportunity with my current organisation as Identity Access Management developer(IAM)
I want to know how will be the career growth and job opportunities in future.
If any one has idea about please do share your feedback

Are we on recession? My portfolio is super down - low cost ETF investor here

I think I need Ex bankers as friend and accountants. I need people who we can discuss deals in the swift world with from time to time. I need people with great ideas in my life

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

Anyone start later in life? About to turn 32 and my retirement savings are sad.

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

Just got hit with the $550 CSR fee. I don’t really want to quit it; I just don’t want to pay as much. Is there a way to get it lowered?

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Anyone have any good realtors in the Greenville SC area who know the VA loan?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

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

Who’s on their way to FAT FIRE?

Should I rejoin Equinox? Background: I cancelled my equinox membership because I wanted to try out different gyms. After about a month and a half, I’ve determined I really miss Equinox. It’s kind of expensive ($250 per month, but only an extra $130 over an average local gym). I like saving money but my health has definitely taken a dive because working out is not as enjoyable. Am I crazy?

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

Maxed my 401k with todays paycheck 🏆 a lonnngg way from FIRE but step by step my friends!