If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

Small business owners, what's your retirement plan? Please share whether you have another job or just your business too

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

Does anyone have any insights on Juno/LeverEdge for student loans?

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Looking for a new credit card - currently use Apple Card as my daily. It’s ok. Interested in Chase Sapphire Reserve, but unsure the annual fee is worth it without being able to go to restaurants or travel a ton. Suggestions?

Getting about $2200 back from Federal and $1300 back from NY State. Claimed 2 for both last year and having 2nd kid this year. Should I bump to 3 or keep as is?

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Not law quite law related but I could use some input: anyone have any luck negotiating lease pricing with a corporate landlord? I originally signed and got covid pricing and now they want to hit me with a 17% increase bc of inflation 🙃

About to apply for an apt that’s asking for a $2000 good faith deposit. I’m still a little undecided about the apartment (I have another option in Jersey) Do I wait it out or just go ahead & apply? Honestly don’t know if I’ll feel 100% sure any time soon. First time living in NY & first time renting post college😭😭

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

We just said goodbye to a 23 year old who died of COVID. Young people are not protected from this, important to remember

Clawback clause in current contract: been in role for over 2 yrs, it was an internal move that required relocation. Relocation was approved shortly after (over 2 yrs ago) but covid meant the actual move and start of my contract with new subsidiary was delayed, I was paid by the previous subsidiary meanwhile. I got small relocation package. Would internal move be subject to a buy-out/clawback clause if I leave now and if yes, is it time in role or time under new contract? Any experience? Thanks!

How's Manor as a city in terms of buying a single-family home: school-wise, future price appreciation of houses etc ..?

Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

Prior to applying, on average how many current students, alumni, or adcom members did you connect with from each program?

I’m thinking purchasing a standing desk. Anybody have recommendations on brand? Your experience?

Having stamped H1B with Twelve Plus Exp. Current company not in position to send for the project visa was approved because of cost cutting.
Any refferals for transfer of visa and new opportunity.
Please dm me personally.

Hello,

After onboarding in Deloitte USI Hyderabad do we need to report immediately from next day to office as per hybrid model or we can continue wfh until assigned to project

Hi Fishes, How is the WLB in FMR, Getting mixed reactions for this question and also bonus to too much in CTC, is it the same case with everybody. HM said that there is lot of work in AWS cloud , is it correct ?

Privacy fish - Anyone taken the CIPM and can share what the exam is like?

Content outline seems like application of standard consulting approach, so how do they test it on an exam?

Any BCG Platinion Cyber folks here?
What kinna work do you guys do? Planning to make the switch after 5 years with Uncle D. Wanna hear from you guys about culture, projects and areas of expertise.

Which of the Big4 actively do Incident Response work?

Who does the Director of Product Marketing typically report to (besides the CEO in tiny startups) ? VP of Marketing? I can't imagine it would be housed under Product/Engineering...

Hi Fishes,

I am working in Infosys at 8.5 lpa and holding an offer from JMI ( Jean Martin Incorporation) for Investment banking analyst role at 10 lpa (negotiable). I have heard some negative reviews about JMI with respect to job security and growth. Can somebody provide any insight or review on the same as I am confused weather to take the offer or not?

What’s everyone doing for St Patty’s ?

Is it possible to switch from niche financial modeling/data analysis to branding or digital strategy? Realizing I would love a more creative role but feel pigeonholed as a finance major in undergrad..

Is buying fancy condos with high HOA(>$1k) worth it?

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

I'd like to buy, but the market is absolutely atrocious currently

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

How much is 2k a month for a house payment? What size loan would I be able to get?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Any recommendations for buying agents in Massachusetts?

Any recommendations for a good water softener/filtering system which keeps the overall salt level low post-softening ?

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Thinking about using my VA loan in a few years. Any advice?

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home