I’m 25 in the 32% tax bracket. My split is currently 2/3 Roth 1/3 Traditional. My age was the driving factor. Is this bad?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

What's a usual amount of time that you have to stay somewhere in order for your RSUs to vest?

My wife is using my credit card too much.
Monthly around 13K.

Everytime I confronted her the ending is always the same, I loose the argument and end up paying everything.

Off the topic.
Koi help kar sakte to get rent house near Manikonda/7 Tombs.
Budget: 13k

Hi new to crypto! What apps/sites would you all recommend to start investing? I have Robinhood but it doesn’t have a lot of the crypto options

It’s crazy how much close friends influence you.
Would you stay friends with someone that consistently makes bad financial decisions. Or distance yourself for like-minded folk.

I have a friend that is constantly trying to guilt me and pressure me into overspending, especially on “luxury” items. But I have different goals for my money and she doesn’t seem to respect that.

Does anyone know how to roll options in Fidelity’s app? Recently moved from TDA to fidelity

Experts - I understand tha LEAPS help with liquidity amd magnify the returns but I am unclear what are the tax implications (Fed LTCG and state tax) when you are ITM and exercise LEAPS. Can someone shed some light on tax implications of the LEAPS? Thanks.

Do desi consultants opt for 401K? Upside/downside?

I bought STX at 1.60 and locked it up “stacking” it for six months to earn BTC yield - opens up in October.

Think i lost my money? Lol. In retrospect this wasn’t the wisest decision.

Does EY have mortgage benefit？

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

Look into Razor Network. Small cap coin that just ICO’d and looks extremely promising.

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

Cannot make up my mind on carry on - I have a tumi leather carry on.. but need a new one..

High quality but not brand flashy jewelry pieces? Budget up to $3k

What’s the wait time on a Sub? Have been waiting for 6 months on my AD, but still nothing.

What bank do you use, and why? My old bank doesn’t have branches here, looking for suggestions.

Should litigation come out of legal or the businesses budget? My understanding is business? Any thoughts here or advice…

Hey guys!

Can anyone give me ideas for remote jobs that can be done at my own time?

I work 9-5 and i would love to work a remote job during nights and weekends...

How much is CMT valued in investment banking companies?

Feeling grateful today. 🥺

Golden verse:
Matthew 6:27 Can any one of you by worrying add a single hour to your life?

How did you go about finding a therapist and/or coach to support you in your career transition? What value did they add, what would you do same/different if you had the time again and any other tips?

What gift did you get your spouse on your wedding day?

Hi all, will people who have joined CBS in January as manager be eligible for pay increase and bonus this year? Does anyone know the expected pay rise and bonus range? Thanks

Is there any difference in the interview process (including evaluation) for generalist vs. specialist positions at McKinsey right now?

Hi all I am looking to move to europe any opportunity

In HCL, I believe that iSuccess Learning Portal is the only Portal for the Learning Stuff or any other Portal is there.

Kindly inform guys.

Hey guys,

I recently joined tcs and they told me to work at the Qualcomm office.

How will Qualcomm. What are benefits to the employee who comes from other companies to work at Qualcomm

How bad is Evergrande crisis for global markets? I think we will see a significant downfall?

What is the industry standard of salary of a back end developer with 10 year of exp in Canada ?

Anyone have any legitimate passive income? I’m talking about something that takes sizeable upfront time investment to get going, but takes <5 hrs a week to maintain.

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

Should I get an accountant/tax pro? I’m sick of paying for $200 for turbo tax and still having to do all the work. I’m Buying and selling (mostly just buying) equities through multiple brokerages, maxing 401k and accruing interest on multiple checking / savings accounts. Not rly any tax breaks. Would be willing to pay up to ~$400 for some convenience

I might come off as naive here. But how is options trading different from setting a limit buy or limit sell. Any beginner article I can read up on options?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

How to buy stocks before their launch or on their launch price ?
E.g Zoom - was going to launch on around $35 and it opened with $65
Almost 100% profit.

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

I once heard that the average age of those that achieved a net worth of a $1M was around 49 yo. Is this intended to include assets like real estate equity or is this meant to be liquid assets / retirement accounts only?
Understanding, $1M is no longer the goal but for those of you that have achieved this already - What was the age you achieved it and are you including your home equity?

Currently in a situation where I am getting my new built home in October but want to sell my current condo now when the market is still reasonable. Is it possible to sell but be able to stay at the condo few more months?

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

With bonus I make 150k with bonus, can I do IRA? The documentations I read are not so clear to me. Please help, thanks!

How much do you keep in the bank vs brokerage?

What are your thoughts on Baidu as an investment?

New to trading and investing in equity. Have $200k in equity and $20k in MUNI bonds. How do you plan to diversify?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

This might be a stupid question - is now a good time to rollover the lump sum from ex employers pension to my new employers 401k since the markets are down? Does it have the opportunity to grow more if I do it now, or is it all the same?