I thought it might be good to bring this thread over here for those of us who are not as well off. What are some changes you've made to cut back on your expenses?

Are there any agencies that are willing to pay for relocation? Looking to make a move out to WC. I know this is more likely for VP+ so I’m curious which agencies have the flattest PnL

Late twenties M here. I like to travel, go on hikes and am pretty easy going. Any f wants to chat and see how it goes?

Anyone else get ruined by the metro delay this morning?

Anyone know if we can expense coffee pods during this WFH thing? I’m already on my 2nd cup.

Drinks today near Chelsea/Midtown area? 32 - F
Pls share age/gender

Will you be going back to the office on a voluntary basis when your office opens?

Any ladies want to chat? 25M here, in the Northeast but location flexible.

Any ideas on planning a quarterly retreat for a startup? Specifically for strategy day and culture. Never planned a quarterly retreat before and is not to sure what it entails. I’ve been told agendas for retreats are very subjective to company but would like some general ideas if anyone has any!

How old were you when you started as a junior copywriter?

What goes though you mind when thinking about quitting consulting ? Considering a move to industry

Recently accepted an offer for a manager in Bizops in Ad sales for a tech firm. Curious about the growth opportunities in this area. What do folks do after 2-3 years in such roles ?

What sort of equity stakes do management teams at PE-backed companies typically get?

Need 6 Marriott nights to titanium (spend doesn’t matter). 1 - would any hotel manager cut you a deal? (Ie if 6 nights is 60k; let me pay 30k and get the nights and I won’t use the room?); 2 - where are cheapest Marriott hotels? I found 10k per night in burbs of Chicago? 3 - would any cheap Marriott let me run this scam remotely? (Ie call Abilene Texas, check me in without my showing up)

Do you think niche agencies will be the future of agencies while full-service shops disappear? (cont)

Hi! What would you say the average salary for a first year Art Director would be? My role would go from Production Designer (first job out of college) to Art Director. Thanks!

Anyone pack their lunch and if so what do you pack??

Superday with a BDC next week. How the hell do I prepare?? Any insights on what to expect?

Experience with keeping the account once your client gets acquired? Does the account get moved to the bigger company’s agency?

When I was hired, I don't recall being informed about my salary being tied to my location. My employment contract also only makes one mention of location, and says "home office" and my state. I was recently told by HR though that if I move, my comp. will be lower. Is this legal? Should I consult a labor lawyer?

In my mind, I don't recall being told this and it's not clear from my employment contract, so I feel like they're breaking our agreement, and it feels unfair.

Thoughts on what to do?

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?

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...

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

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)

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.

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

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 :)

Thoughts on personal loans to consolidate Debt?

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

Anyone have a recommended tax person in Chicago?

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

Best high yield savings products?

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

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.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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.

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

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 racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?