If you had to tell your younger self one piece of financial advice that has helped the most in your personal finance journey, what would it be?

Pushing out my retirement date... Crypto down 60%, stocks down 30%.. I was a millionaire in Jan now only a 750kaire lolz. Just numbers on a sheet keep rolling

In the UK what rewards credit card is best for relatively frequent travelers? Amex platinum / BA premium / something else?

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Genuinely curious: How do you justify working in PR knowing that you won’t make $100k+ for 15-20 years? I’m 3 years into my career and I have regrets about choosing this field when I look at my financial timeline.

NRF matched Millbank in TX yesterday

I have a 401k and A Roth IRA but I’m not active in my investments. What are some good sources to get started to understand personal finance and investing?

Hello folks, any credit card suggestions with good benefits and cash-back? Please advise. TIA

529 prepaid tuition plan: Anyone here who has purchased this? Would be great to discuss pros and cons. I’m thinking about this using Illinois Bright Start 529.

Which consulting firm has the best 401k match?

Analysts seem to like TJX but looking at the long term debt/equity I can’t get comfortable. What am I missing?

Haha Merrill just reduced the pc payout grid by 3% for advisor below $2m in production

Use savings to (partially) pay for business school or invest and fully cover via loans?

Planning buy Audi Q7. Dealer says there are no rebates and offering the car at MSRP. I know we can get it for much lesser. Any tips about negotiating?

What's happening with the IT Stocks nowadays

Curious if anyone has invested a big amount in one stock let’s say buying 150k of CRWD in may based on gut or conviction however you may put it. Want to have a discussion around lessons learnt and ways to derisk.

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Anyone who is working in idfc first bank ... Or someone in contact with employe of idfc first bank... Please ping me, asking for job referal
Thanks in advance

If there is a case that we have to quarantine again. Do you all think it is possible for store associates to work remotely? If so, what are some ways this could work? I fear another pandemic or outbreak and so many people being out of work again. I can't even fathom those that had jobs in retail that had little to no choice to not be remote.

🌟What's Happening Wednesday!🌟 Use this thread to share fun events, shows, concerts, activities, and anything else that's happening around the city this weekend!

Atlanta vs Savannah vs Tampa?

How is Customer experience BU in Cisco?

Travel industry sales reps check in here! What's your base? Mine is 60k which seems low.

For anyone who receives a quarterly bonus or raise in some form, does your employer start to schedule you for less hours when your raise kicks in, or pull you from a future schedule entirely once you receive a bonus; only to put you back on once the hours you would have worked and earned the amount given are passed? Ie; a part time employee getting $200.00 in a quarterly bonus and then not being scheduled a whole week during a bi-weekly pay period where they would have earned more on the clock…?

Does any one use Wit and Wisdom reading? I am looking for PowerPoints, Slides, Reaources, etc ...

How do you get good at thinking on your feet? I find I always need time to think and analyse before being able to answer client queries (even those that are considered simple by others). I don't want to rush and get it wrong. I avoid phone calls for this reason which isn't great when you're in the service industry so it's starting to impact my career.

How do you teach kids high-frequency words/fluency in addition to flashcards?

Waddle or Theilen?

Question for everyone here: hybrid - 2 / 3 days a week or remote work? Which do you prefer and why?

Hearing of layoffs with some Chicago agencies. MSL...Porter...Ketchum...others? Sign of bad economy coming? Hate to sound skittish, but I lived through 2008

Currently on training about handling E-commerce (product research). Planning to have side hustle with it, anyone want to give a chance?

I just graduated from a nontarget in Dec 2020 & am currently interning at PwC before I go back to do my Masters. My initial plan was to accept my full time offer and slowly work my way into IB.

I see postings right now for FT IB analyst programs. Should I even try applying online?

Ik recruiters don’t really read cover letters, but I learned about banking rlly late into college. i’m the daughter of blue collar workers who don’t speak English so I never really knew what jobs were “prestigious”

Anyone around Chicago and suburbs for general merriment and dating. 32 M, tall and a fit built

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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

Best high yield savings products?

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

Any good wedding ring sources aside from Blue Nile?

Anyone have a recommended tax person in Chicago?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

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.

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??

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

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?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

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

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)

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.

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

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.

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...