I retired a month ago and many people were asking what I was planning to do for health insurance. The 2026 ACA rates were released yesterday. My partner and I are estimating $30,000 in income (dividends, interest, cashing out investments and recognizing gains). A silver plan with $0 deductible will cost us less than $100/month. We will need to be diligent to make sure our income is very close to $30,000 and not less. This was a pleasant realization that I hope motivates others!

Should I be reducing my contribution to my 401k at the moment? Based on the drastic 🐻 market?

Received a job offer. Was wondering if anyone had any thoughts on a concern I had about it. It's an entry level position, and I don't have much experience. The billables are 2040 a year. For billable hours in civil litigation and insurance defense, is 2040 hours for a 1st year associate on the high end in this field for a small or midsize firm? It seems like most attorneys I know have minimum requirements of around 1800. The compensation is around 80k a year.

I know this is small dollars, but my firm only pays $25 per months for my cell phone. We all work remotely, so using cell a lot. Is it silly for me to push for full reimbursement? Is that pretty standard?

If you refer a client to the firm you work at is it customary for you to do the work for the client?
I am a new attorney at a small ID firm but one one of the partners does business law as well. I referred a potential client for business services but I haven’t not done any business work yet. Should I expect to get in on the work if they sign on or will I stay with what they have me doing with insurance?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Does McKinsey insurance (USA) cover laser eye surgery?

What are the benefits working at Wells Fargo. Are Sodexo, Transportion and internet reimbursement available similar to JP Morgan?

What are the various employee benefits that lilly offers?

I graduated with my Associate of Sciences in Health Information Management in 2021and I obtained my RHIT this past February.
I am transitioning from 15+ years in customer service/retail to healthcare/HIM.
I recently moved the New Orleans area and I am having a really hard time finding a job away from direct patient contact.
I am currently in a Medical Receptionist role that is drastically underpaid, just so I can gain experience.
Any guidance to navigating healthcare career field in NOLA?

Anyone have the name and contact info for the HR Lead at WundermanThompson Health? I need it for a background check and can’t seem to find it anywhere. TIA

How do you calculate your net worth?

Does it include your bank balance(s), stock/MF/ investments value on paper, 401k balance, RSUs to be vested etc. What else can be added?

Are there any account roles open that aren’t in Pharma? Seems like every AD post I come across is to work on healthcare

Hey, international student here, struggling to find companies that will sponsor from a non target school. I have experience in both VC and consulting gigs, generally in healthcare but open to others. Any leads/referrals appreciated.

Is Icaro Doria the CCO for Hill Holliday Health too? Or is there a separate CCO?

How enforceable is a non-compete moving from industry health IT company to big 4?

Is it bad to be over-utilized? I just did the math and I could charge zero hours this week and take a 3 week vacation after and still be 100% utilized? Is that abnormal?

Hey Guys

I have got US onsite with H1B. How my husband can get work permit in US ?

Timing for recruiting for the purpose of negotiating salaries: I like my job/company, but know I can get a better salary with my skills/experience elsewhere. With promo reviews coming up, I expect to receive a promotion, but want to have another offer to inflate my salary a bit more. Anybody have insight on the timing and general do/don’t?

Anyone go for the Global Entry interview yet ? What documents do I carry in addition to passport/visa ? And how is the interview ?

What is the best and cheapest courier service to send an parcel from us to India. I want to send some medicines and pain killer creams to my mom who lives in country side of up,India. Does custom blocks pain killer creams ?

Likes needed for DM

I’m using Padlet for students to post artwork. They type in a reflection of the process & post. It’s created a sense of classroom community seeing everyone’s artwork, can comment & like. First 3 Free!

Is it bad to follow up after you counter a offer?

What are the raises like for a Registered WM Client Associate at BOA/Merrill Lynch? Are they on an annual basis and are they competitive?

Is there a market for lawyers to add expertise In crisis management or reputation management? My goal is to counsel clients on how to respond to media inquiries without saying or posting something detrimental to a potential litigation while still maintaining communication with their client base. If so, how to break into that industry? Courses? Books? Certifications?

What should I be making? approximately 8 years consulting experience, approximately 7 years small business ownership experience, a MA degree (not entirely related to job). Little managerial experience in consulting, but biz dev experience and high performer with multiple promotions. Range?

Hello everyone! Due to visa issues I will transfer from the US to another Bain office and was considering Dubai. How is WLB (amount of hours)? How flexible is the expense policy? Is it actually fun to be there? Thanks in advance!

Any suggestions for financial planner or advisor in New Jersey area?

Best area credit unions?

How to switch to data analyst /SQL developer roles after working in mainframe support with Sql for 6 years?would highly appreciate your opinions/suggestions

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

Anyone getting a bit anxious about this crash some of the experts are predicting?

Thoughts on ARK’s new space exploration etf?

Advice and tips for a first time rental property investor?

I am 24 saving up for my first property to purchase at the end of 2021 / early 2022 in the Long Island, NY area.

I’d like to save up around $50K in my HYSA for a property <$400K in LI. Does this sound reasonable?

Does anyone have any advice on investing in the LI area (best location, SFH v MFH) or just general first time rental property buying advice?

Thanks all

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Good credit card to open? Thinking Amex gold - anyone have it and recommend? Or any others?

Do you have a set $ you save every month? I'm 27, I've been tracking spend since 2020 and my $ saved has very strong variances MoM. If we consider 2021 a more "regular" year, I varied from $600 saved one month up to $3.2k in another (though that was partially due to a job change)... It's not affecting my overall saving % (was 46%) but wondering if I should try to even it out a bit more?

First time sold RSU and ESSP stocks and company withheld shares to pay for federal taxes . Which document would show actual federal taxes paid thru withheld shares.

What do you estimate to be your personal functional inflation experienced over the last year?

I know the fed says 8.6%, but that number is averaged over many products normal people don’t frequently interact with.

I’d rough estimate something closer to 25% cost of living inflation over the last year for myself.

How are you all going about continuing to buy index funds while everything is literally green and I see people doubling their investment in such a short amount of time. Feel as I am missing so much money that could’ve been made. But VOO goes up 1% :///

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

Saving for a house down payment in the next 20-24 months. Where should I put my savings. Just in a savings account right now. Was thinking about ibonds, but is my timeframe too short?

Quick question: will you buy vanguard index funds through a vanguard account or their ETF versions through Robinhood or Ameritrade (already have Robinhood and Ameritrade) ?

Trying to build a strategy focused on index funds.

Hi all I’m new and ignorant to be blunt. I finally found a financial coach to at least start my journey on becoming debt free as my savings is pretty pathetic. But who should I ask advice on my 401k & IRA? I have no idea if I’m investing smartly. I have reviewed the Bogleheads’ Guide to Market Indexes which I feel is helpful so far. I am 40 so not exactly young. Thank you!

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

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

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

25 yr old here with net worth of $140k and $110k salary. Starting small but want to FIRE. Is it too early for me to buy an investment RE property (while I live in NYC myself)? I saw another post of a someone buying a $140k property with positive cash flow and was inspired to try and do something similar.