I recently got laid off , the way the job market is, it might be a while before I land a new role, what should I do with my 401k tied to my former employer? I think my 401k is divided into a 401k traditional and a 401k Roth, I have a Roth IRA with fidelity, should I open a rollover IRA and put my my 401k funds in there? Or leave my 401k funds where they are for now?

How much money do you keep in your savings account?

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

If anyone here is wondering how to best use their GI Bill... I HIGHLY recommend using the GI Bill comparison tool. Has anyone else here used it??

I’m a first yr in NYC biglaw (2nd yr in Fall) — is 3.2k for one bedroom in BK (think downtown BK, carroll garden, Williamsburg) too much? Always have lived in manhattan so I’m not sure what reasonable rent for one bedroom in BK is.

I have a 2017 Hyundai SantaFe XL SE, 32K miles. End of lease is coming up buyout price is $19.5K. Should i buy the car and sell it myself OR the hassle doesn’t worth it, just return it? The car is in great shape though.

Would you prepay your mortgage (2.75%) or invest? Would you refinance 15 year or 30yr? I understand that over a long run, you can invest the difference and increase wealth. But it generally takes 10+ years to break even. What’s your reason NOT to do the 30yr mortgage?

I'll be buying my first full BTC, if it touches 30k. Or should I wait little more?

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Hello,
Does anyone have advice for someone looking to purchase their first investment property? Maybe something you wish you knew before buying yours etc. I’m looking at single families

Is only long debt debt considered in the cost of debt for WACC or do other short term liabilities matter as well?

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

Best resources/books on getting personal finance in order?

Roth vs Traditional 401k, 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?

I’m considering investing into a special purpose vehicle (SVP) that would invest into a first round capital raise for a cannabis saas company...what are some of the key questions I should ask/consider? The company has already received seed capital from a couple big names.

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Anyone trade stocks on the side? Not at a day trading level, but not buy-and-hold either...more like aim to hold 5-10 stocks at a time for 1-2 months and earn a decent short-term profit (10-15%).

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

Deloitte Manager or IBM Manager?? Please suggest.
Almost same fixed package.. skill SAP Functional Close to 10 Yrs experience.

Can anyone tell what could be the expected range of package for a lead devops engineer - yoe 12

I'm in finance/tech FPA, looking to go back to the defense industry for a 25% increase in TC. But wanted to see if I should leverage the new salary with current company to see if they'll match.

Background: got a promotion at current company that didn't come with sufficient increase . After stating my case I was told it would be evaluated next October, which is what prompted the initial job search.

Current TC 103K [88/15], offer 125k base [+discretionary bonus].

How do you handle people who deny climate change and global warming? It happens way more than I'd like it to when I tell people what I do for a living. I used to ignore it, but I want to start clapping back at them.

New to Toronto, moved to the west end of town/ just past - in Etobicoke. I celebrate my 40th a few days after NYE/NYD - would love some recommendations on moderately priced but nice ambiance restaurants for myself + husband, and my extended family. Everyone is scattered throughout (Hamilton, Barrie, Lyle, Newmarket, North York). Don’t want anything too fancy but don’t really know where or what is good and not downtown.


Any recommendations? (Open to GTA of course).

Looking for wfh opportunity currently working as a business consultant

Sunday Wordle 449 5/6

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Anyone work in alliance management? Would love to learn more about the function!

any telltale signs of layoffs in tiger?

Do you prefer the Westin San Francisco, or the JW Marriott for leisure travel ? or any other Marriott hotels in San Fran?

How’s the WLB for my Australian counterparts at T2 firms in Sydney/Melbourne?

Looking to do a transfer/rotation (from Canada) to Aus and am curious!

Dating my guy for 6 months now and he’s just such a lovely soul but I’m not physically attracted, there’s no spark and I’m afraid to let go but also afraid to keep holding on..

Feeling lost in my career (10 yoe, 9 in consulting). Anyone feel this before and how did you get through it (career coach, books, etc)?

Is anyone here a CKA as part of the Kingdom Advisors? Any thoughts? How many leads do you typically receive per month? Is it worth the cost?

I love the satisfaction of helping clients to obtain life insurance protection who had Cancer or Coronary or other medical history who thought there chances of obtaining coverage were slim to none. :)

Hey! I’m from Spain, and I’m thinking about find a job overseas, maybe in central america or southeast asia… I have experience in finance consulting… do you have any recommendation, contact or tip that could help me?

I don’t know if try to find a job first and move then, or move out first and find a job from there.

Thanks!

What are some roles that change professionals have left consulting for? Would love to know org, function, and pay range if possible. TIA

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

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.

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.

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

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 :)

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.

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

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?

What do you think are missing from the personal financial management apps such as emma, yolt, cleo

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

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

Have about 5k to invest - should I do FXAIX or FSKAX?

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

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

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

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.