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.

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Why you should stay invested : asset inflation, then normal inflation, low rates forever, trillions in additional stimulus, dollar destruction (on purpose), coronavirus pushed tech ahead a year or two in adoption. STONKS ONLY GO UP!

When you guys buy options how far out do you normally look?

Question for outpatient PCP’s. How is everyone handling new patients if you have switched to telemedicine due to COVID?

This might be philosophical but wanted to understand if we should get satisfied and be happy with what we have or keep striving for more?

Reason I am asking this is - I earn close to 1.5 lakhs every month and if someone had told me this during my college days I would have taken it eyes closed thinking this is more than enough. But today, I am not able to be satisfied and I don't want this to become an affliction so thought to share with others here and get to know the general sentiments.

Hi Fishes!

My cousin has moved to another company from DXC technologies.
In DXC, PF amount is not credited in to EPFO directly.
We have UAN and it looks like not activated.
How can we transfer PF amount from DXC to EPFO portal?
There is no relevant response from DXC till date.

I’m looking for a real estate agent in South Florida to help my buy a house. Must be an aggressive negotiator. Any recommendations?

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 ?

I recently sign a lease. The apartment will put my security deposit into an interest-bearing account and requires me to fill out a form W9. I will join EY this June and just wondering if this is ok in terms of the independence rule. I guess the apartment will put my deposit in some sort of funds. Anyone with EY has experience? Reading the independence brochure, looks like it does not specify something related to this scenario but just wanted to confirm . TIA!

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

Safest wallets / exchanges for buying VET and safe moon? 😭

Which is your stock pick this week?
Serious answers only!

Why are sibling relationships so complicated? We live in the same city. 23M w 21M bro in same city. We’ve always clashed, got closer in 2016-2019, then in covid started fighting and not being close. 2021 summer we got into some bad fights where he said some hurtful things that made me kind of hold a grudge until our fight in September. 2022 we’ve gotten a lot closer and only minimally clashed but still even tho we share personal things sometimes and have more mutual respect, cont

Any A&M folks here? Wondering how benefits / 401k compare to Big 4

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

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Hi. I am looking to switch jobs. I am a qualified lawyer with 5 years of experience in law firms and 2 years as a consultant at a Big4. I would prefer opportunities in consulting, perhaps related to compliance management or legal analysis. If anyone knows of such an opening please do let me know. Thank you.

Hi Fishes,
What are general responsibilities of BA4 designated employee in Barclays as Salesforce developer?

Everyone I needed final approvals from to get these expert retention agreements signed off has decided to ignore me on literally the day our disclosures are due.

Im a student getting my prerequisites for nursing. Anyone else?🙋🏽‍♀️
I was very content with my choice until ive heard so many nurses leaving their carrers and all the negative connotation attached to being a nurse like working like 🙆🏽‍♀️ and barely being able to pay their bills. Any advice? Pointers?

Thoughts on whether DC or NYC is a better place to be as an attorney of color?

Is It better to join a PE Tech company in an impending recession or stay with a public company ?

Any transfer from tax to FDD? How was the learning curve from the transition ? And what were some unforeseen challenges that you didn’t expect?

How much should I expect as a L4 CSA at Microsoft, living in Texas? Want to know if I’m being made a fair offer.

What NFT wallet do you all use?

Anybody use a personal computer for work? How's your experience been, any horror stories/watch-outs?

I know that the general advice is not to cut your own time, but if you think you took WAY TOO LONG on something should you? I don’t want partners to think of me as inefficient.

Hello all, I work full time as an RN at the VA. I’ve been looking for a side hustle to do on my own time. I would love to review cases such as prior authorization, records for 2nd opinions, etc. The positions that I come across generally require a commitment of at least 24 hrs which is not feasible. Anyone know of any opportunities?

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

Hi All,

Kindly help me in resolving the dilemma

MBA with Total YOE - 7+, relevant YOE- 5.3 , Skills - CYBERSECURITY,GRC, Audit.

I have got two offers
1. Genpact - 27 CTC (24 fixed + 10% variable plus gratuity) Manager level
2. Airbus - 23 CTC + 5 L JB
I really wanted to work with Airbus but they are not budging from the offer of 23 even after I told them I have a better offer from Genpact with better position. HR said they will come back..

You think Airbus will come back with better offer?

Fishes, any suggestions as to how to move into the VC role with a non-finance background (PS - exp. of working in founders office of a startup, management consulting in past and do understand corp. finance, financial statement analysis etc.)

Hi, I'm almost at the end of NP. I've two offers in hand with different roles and similar packages.
1. Product manager at EY
2. Product analyst at Livspace.

While package is my second priority, role and job security is more important me.. My aim is to get into product manager roles and I've been waiting for this since forever.
Which one should I go for after considering the pros and cons?

How many train transfers do you do on your commute to the office (or if you’re WFH and had to go in)? I’m thinking of moving here and curious how long and complicated work commutes usually are.

What are some red flags to watch out for in a company?

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

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!

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?

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

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

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

What is the most difficult part of buying a home for the first time?

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

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.

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

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

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.

Any recommendations for buying agents in Massachusetts?

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

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.

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.

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

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