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.

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

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.

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

Guys very much off topic .
Any housing project in Bangalore which you can term it as cheap and best and location not a constraint.

Hi Fishes , Good Morning ,

Am looking for QA openings (Manual Testing) Can you guys assist me ?
Overall exp : 8.9
QA exp : 6.2

Currently am working in healthcare domain and having EDI experience. Looking for helping hands. Thanks in advance.

Has anyone actually received their reimbursement for filing taxes in multiple states? I got told that it would process with payroll last Friday but I don’t see it in my bank.

What happens if I over contributed to 401k because of a job change ? How do I adjust ?

If I had a realized capital loss in stock last year can I use that to neutralize any realized crypto gains this year ?

Anyone have a recommended tax person in Chicago?

I’ve got a partnership w/ two of my uncles. We have two houses on rent. we use the profit from the homes as a single pot where we pay for the maintenance expenses (different cash flow from each). We are close family and they trust my judgement. Another of my uncles wants to join for the next home we buy. How do we split/ allow their buy in to our partnership for the next home? I don’t wanna add extra accounting of maintaining expense/cash flow from the next one we buy as a larger group Thoughts?

I wish I could get pregnant, so I can go on a maternity leave from public accounting
- I’m a male.

Hi All. Have anyone applied for flexi basket declaration in HCL. Kindly tell me if there is any good tax savings or of no use.

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.

Thoughts on dipping into the condo market? Was thinking of waiting till March but don't think prices will drop that drastically and will be ok long term...

Does anyone have a personal success story as an angel investment?

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

Does anyone work at a firm where legal assistants don't do legal assistant things? For example, I have to do my scheduling and calendaring. I have to upload documents to our file management system. This morning, a name partners assistant didn't realize the name partner had a depo and didn't confirm it. This is how this firm as been for decades and it's incredibly frustrating to work this way. It's so hard to not stress over this daily.

What is your opinion on online assessments as part of the hiring process?

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

Apologies if it is off topic.
My brother has over 20 yoe in electric and 10 yoe in solar engineering including owning his own small solar company. He is looking to relocate to US or Canada. Can anyone provide any lead on which companies provide sponsorship? H1B or Canadian work visa. Thanks!

Anyone can help me with Navicat cracked version for Mac

Need 11 likes for DM

Trying to get ahead of my caseload feels like trying to climb a hill made of loosely-packed pebbles. No matter how much I scrabble, I’m sliding closer and closer to the bottom.

How do you get caught up (or even ahead) when you’re always behind? Assume that all things that can be offloaded have been offloaded. I cannot take one more all nighter trying to get a motion drafted two days before the deadline because I couldn’t get to it earlier.

I’m close to finalizing a deal with a startup that I’m really excited about. They’re asking me to create a contract for them to review - but I’ve always been given contracts from agencies/brands that I’ve revised.

Does anyone have a recommendation for a standard form that I can use as a base template?

Interviewing at a few startups so I can stay in Europe. Whats a few red flags i should look out for?

Feeling disheartened after sending out 100+ applications with radio silence back. No rejections but no invited to interview either. I feel like my resume looks good, but I have not gone the referral route as of now. 1 YOE

Used Gliem for Reg and Roger for BEC and Aud. Really liked Roger though but heard its not good enough for Far.
Please recommend any good review course for FAR

What are the benefit differences between an equity partner and a non-equity partner (e.g. managing director)?

Buy/lease now or defer to Q1-2023?

My car broke (engine seized, 10y old). I am interested in 530i ($62k price), however 3year lease is $1,000+ monthly (with $5k down). Monthly lesse payment is 50% more than bmw advertised offers (“south FL dealers are not participating in the program”)

Q to car gurus/experts- should I defer purchase/lease for 6 months? My logic, the impending recession will reduce demand and we will go back to more balanced market (lower prices with negotiation).

First time homebuyer here. Any good 101 course which covers end to end of home buying. I know there are few government affiliates who offer in person courses but am looking for an online course.

Klick - would you go? Why or why not?

Hey everyone. I am thinking about leaving PwC for a role at small company with about 40 employees where I'll be working directly for the VP of finance. I'll be implementing netsuite, accounting and

Best high yield savings products?

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

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...

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

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

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?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

Anyone have experience transferring stock out of Computershare? Rolled my old 401k to a IRA and am trying to figuring the best/cheapest way to transfer my former company stock to my taxable acct. I assume transferring to the IRA is not possible

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)

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

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*

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

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?

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

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

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

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.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??