I’m 25, make 70K and haven’t maxed out the 401K contribution. Should I focus on maxing out the 401K up to $19.5K first or save up to buy an apartment instead of renting in the future?

like
Posting as :
works at
You are currently posting as works at

That is really a question only you can answer. I would absolutely make sure you are getting full match, but if buying a house is a priority, don’t worry if you are not maxing the 19.5. Just curious, are you doing an IRA or HSA also?

like

Yes Roth IRA and HSA is all maxed outs

Related Posts

Want to start investing and growing some of our savings but I have NO idea where to start. Buy real estate? Invest in the stock market? I’m clueless. Can anyone recommend some books or resources as a good starting point?

like

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!

like

What long term stocks should I invest in right now? since the market is kinda down.

like

Just started at a new company and can’t contribute to 401k this year. Am I eligible to contribute to a deductible ira or no because I was participating to 401k at my previous employer this year already? If anyone knows good CPA to answer this let me know …

like

Any Bain Healthcare 🐠? Would be grateful for some insights

like

Looking to join Strategy& Healthcare practice. Anyone willing to have a chat and provide a referral? Have six years of Payer consulting experience primarily related to Medicare Stars. Please dm me.
Thanks in advance.

like

Dear all, is there a chance to get unfiltered feedback from former and/or current employees on Clearview healthcare partners company culture and leadership? What about this “noise” that they got some PE backup?

like

Any pharma or healthcare agencies in the area? I’m sick of NYC and need some fresh air and nice people That would be a novelty.

like

Curious if anyone here has gotten a prenup. If so, what is the average cost and any recommendations for lawyers?

like

Mega backdoor question - I wanted to take advantage of this while it still existed so I contributed to after tax 401k the last few paychecks. Is the correct process to do a withdrawal/rollover directly to my Roth IRA account? It seems like I can do a direct deposit from the 401k but it is asking if this is a checking or savings account which seems wrong.

like

Hi Fishes, I have Offers from Impetus ( 14 Fixed+50K JB), Iris Software( 15 Fixed), Baker Hughes (13.5 Fixed+10% Var+100K JB) Which one is better in terms of wlb, benefits and learning.

like

Burnt out Senior FPA Analyst with 6yrs working in finance as a whole. Looking to make a transition into remote work in Operations, Compensation/Benefits, Strategy, Management - something more people oriented while being able to help improve business inefficiencies. Can anyone help me out?

like

Best rewards credit card? Like to use points for personal travel

like

Starting at EYP next week, got a question about independence since recruiter and external site isn’t helpful at all.

There seem to be different categories of restricted securities. Do I divest them all or only the ones falling in specific categories ?? Thanks

Post Photo
like

Does anyone have any experience with @SMBC domestically? Benefits, WLB, etc

Anyone have any leads on openings in the Boston area. Just out of undergrad with a mechanical engineering degree and crushing student loans. From the area so greater Boston area works too.

For the other 1099 contractors out there, any thoughts on other strategies for what to do with your tax money besides a high yeild online savings account? My Barclays account is 1.50% interest.

like

Hi everyone
I am currently serving notice period. I would appreciate if u all can help me understand skills & courses to develop during this career break (due to family priorities) apart from pharmaceutical brand management as i am willing to pivot my role into
1. Consulting in life sciences or healthcare or pharma domain 2. Competitive intelligence in above mentioned sectors 3.business analytics in above mentioned sectors.I wud appreciate if u can share a few referrals.Wud be resuming by Jan

I started using wealthfront to invest in ETFs. Only have 401k other than this. Should I keep or move to Vanguard or some other brokerage? If you have been using wealthfront, how has it performed

like

Bhaiyon aur Behno!
Gurgaon me kisi Broker ka number hai to dedo

Dhanyawaad

More Posts

Hi Everybody,

Greetings to all!!

I am looking for a financial growth, Hence planning to switch in a different organization. I am having 2 yoe in Vendor management and 1 yoe in Project Management. Can anybody suggest or refer me a better position in Project Management role. Appreciate your help on this.

like

Hi

I am backend operation manager. How much should I get .

likehelpful

Can anyone help me or suggest me with accomodation in whitesfield near to cg office?
under 10k.

like

CSM or PSM 1?

like

Hi TCSer ,
I got a call from TCS hr and she mentioned yesterday I will be having a Technical and Managerial round tomorrow .But I haven't got any Interview invite from them .HR isn't responding to my call .
Is it normal ? Are there changes I will get the link tomorrow ?

like

Need some houseplant advice. I have a very “earthy” type theme going with wood and very light brown, blue, green, and maybe earthy gray walls with white trim. I’d love some bigger houseplant ideas for room corners.

like

Who else has a fittonia?

Post Photo
like

I have offers from,
Infosys 9.4L + 1L Joining Bonus,
IBM 11L + 1L Joining Bonus,
Oracle(OFSS) 12.5 + 75k Joining Bonus,
UST 13.5 + 1L Joining Bonus and
Cognizant 14.5L + 1L Joining Bonus

I'm a Java FSD, My Exp is 3.3 years and my CCTC is 4.6L + 80k variable

All the above are fixed pay, please guide me to pick the best company in terms of knowledge, career benefits, and all. And please advise, and can I negotiate between these companies with the highest offer?

like
like

Hi Fishes, I want to ask to HR for counter offer. Will they provide that? My joining date is 15th June and I want X+4 lakh more. Which goes 30+
YOE 7 | technology Bigdata
Please help me for negotiation.

like

Is a cover letter necessary?

like

First solo dispositive hearing in an hour. It’s telephonic, but I still low key wanna puke. I’ve prepped but still a bit nervous. Suggestions?

like

Guys need a small help
Please let me know some details on the benefits and salary for Senior Associate position at PWC,

What should be ctc ?
Associated benefits?
YoE: ~5
Consulting division

like

Is PwC cybersecurity & privacy August orientation in-person this year? Whether or not it’s in person, what should I expect from those first couple weeks? Thanks

like

What are the pay packages at associate director level in BDO rise?

likesmart

I joined UST yesterday and got an automated email from onboarding team with details of my manager. I dropped him an email yesterday stating my name and DOJ to get next action steps to be followed but till now he hasn't replied.

What should be done in this case ??

UST Global

Hi Folks,
Can anyone tell me like overview on working in UST Blueconch.
I have got an offer for UST Blueconch for Pune location. Want to understand the wlb, job security work environment etc.
Thanks in advance!!

Hi All,

Would like to know some genuine feedback on UST global.. I have cleared 3 rounds of UST global and working as functional consultant with 9 YOE

Please advise on pay scale, job security a d work pife balance


Thank you so much

like

Hi Fishes!
Starting as an Advanced Analyst in GCR US service line in GDS in March. I accepted the offer letter and uploaded all the required documents on the NEXUS portal. This was more than a week ago and nothing yet. They haven't contacted my previous job (foreign firm) for verification too. Am I missing something here and contact the HR? Should I be worried?

like

Additional Posts in Personal Investment Chatter

Looking to purchase a property in CA in the next 12-18 months. I think you can opt out of escrow in CA? How easy is it to opt out and what are the pros and cons? I’m usually on top of things so I don’t like the idea of forced savings. I also like lower monthly payment so I won’t have to stretch. Also for mortgage hunting, brokers are the way to go?

like

Thoughts on GXTG? (Global X Thematic Growth)

like

Whats your own investment portfolio size and allocation? % in Gold/Stock/Bond/CD/Emerging Markets/Crypto etc?

like

Base salary is $220k and I’m contributing 10% to 401k. Pwc also contributes 6% to my wealth builder. So I’m savings 16%, currently 35k a year towards retirement.
Current balance is $150k and I’m 31. At 4% growth that’s $2.3m by retirement.

Is this enough to live a basic lifestyle with an owned house in NY in retirement?

like

How much is a wedding ring? It might be time.

likeupliftingfunnyhelpful

Is there an ETF bubble? We are all blindly putting money into index funds that I assume produce demand for large cap companies despite their performance.

Not sure how all this works in detail though.

like

I have a 529 open for my child. I max my contribution to his 529.
Couple questions
- can I use money from that 529 where my child is the primary beneficiary.
- can I open another 529 for me and Max out the contribution there as well?

like

What’s the one money tip/advice you swear by? Only one!

likesmarthelpful

Anyone else feeling negative vibes reading people age and how much they’re making listed here 😔? ..

like

I didn’t get a 1099 from Coinbase . Under what section do we report Bitcoin gains? Is it ordinary income or short term gain

like

Thoughts on ETH long term? I’m talking about the cryptocurrency, not Ethan Allen.

likefunny

Thoughts on buying VOOG. Too expensive now? Is it still worth it or is everything valued way too high

Where would you put 25k right now?

(Have 8-month emergency fund and no consumer debt)

like

Going to get about 80k in bonus at the end of the month. Curious to know where to invest. We are already invested in the market (etfs, qqq, tech stocks), Icurious to know where others are investing in right now other than stocks, crypto and real estate. Looking at long term with medium risk

like

Anyone have a Chase Sapphire Preserved credit card referral code? I’m looking to apply.

like

500k liquid for housing purchase in the next 9-12 months, currently only in HYSA making 3.7-3.8% APY, anything else I could be doing to maximize? Some 3-month CD on Fidelity market is at 4%+ but not sure if it’s worth the hassle

like

I bought in at the high earlier this week, thinking of double down. Planning to hold long term with SLV as a thematic bet on silver.
Would appreciate any insight on this.

Post Photo
like

Feel like I have too much invested in the market and want to sell some holdings to limit exposure. Suggestions on which stocks/ETFs I should look to sell? Will keep capital gains/dips in mind.

Post Photo
like