im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

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?

Monday Wordle :

Wordle 401 5/6

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Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

I have got an offer based in Boblingen, Germany with 60k euro as fixed. Will it be enough for a couple with a 3 year old kid ? My major expense would be accommodation, groceries, kid’s school and transportation. Please do let me know your valuable inputs. TIA

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

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.

Received less salary this month also. (Same amount as last month)
Why is this happening? Too much tax 🥵

How do you effectively plan for retirement?

Hi! Does anyone have a recommendation on a realtor? Looking for a condo in DC

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

I have $20k in savings, I owe $6,000 to my 401k loan, that’s the only loan I got. I am debt free otherwise except for my house. Should I use my savings to pay off? Since people are talking about unemployment and being fired, I wanted to make sure I have enough, 👩🏾‍💻... What should I do? I initially took the loan to add to my home equity when I sell my house for a new house then covid hit.

Princeton 🐠: Which area do you recommend to buy house out of the following

Princeton
Princeton junction
Rest of West Windsor
Montgomery
South Brunswick
East Brunswick

One elementary school kid.

Already a market crash? Should we sell? 😱

My play for next week:
Sell the SPY 200 puts since the market would plummet. Look for opportunities to buy back, probably when the stim bill passes. Would love to hear your thoughts on it

What do you think is a reasonable total fee for a prenuptial agreement where both parties have significant assets and there is some negotiation? What about for a dissolution with a complex asset situation and children? I had a prenup a few weeks ago that came out to $7,000 and another about $5500, and I didn’t overbill, but I am willing to write some off if that seems excessive or I am just slow. There were several negotiations on the higher priced one. (Continued…)

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

HYSA anyone recommends?

Looking to buy a home in 1-1.5 years. What are some good neighborhoods inside the beltway for 500-650k range?

Hie folks ,
I applied in Bosch India through there website, the application says in progress since two weeks should I assume I will not hear from them . Or should I reach out to them . Does it takes this much time to get a reply

I recently switched to a developer role in a product based company from a support engineer for past 4 years in a service based company. I got a good hike as well.

Since I did it I think anyone can do it. Let me know if my experience can be of your any help.
Happy to help!

Plot twist: Ivanka is Putin's daughter

Who here has been laid off? How did you bounce back?

Do you know anyone who was hired by their parents?

Does anyone ever feel so overwhelmed by all that they need to get done that they can hardly get anything done? And if so how did you solve it?

How did everyone do in terms of their bonus this year? Mine didn’t exactly meet my expectations to say the least and I feel like any reason they give after the year we had just sounds ridiculous.

Mint users: why are my linked accounts broken every time I log into mint? Every one, every time

Hi, how is the work life balance and job security in Infosys?
Which location is the best for the AWS role?

So I am wondering if anyone has felt due their bachelors that is not health care repeated found something to work from home in health care. Could use some guidance. I love health care but I do like working from home and helping patients.

Dang, sorry I meant to comment on the post!

Quick PSA: one of the perks of going in-house, is that you’re no longer at an ad agency and all that that entails.

Just started a new in-house tech fl gig and it’s giving me whiplash! Somehow this dept has brought every person/toxic behavior from their old agency just to a new environment. Nowhere is perfect but good god. I honestly think companies/HR could learn a lot about their depts from freelancers.

Why does everyone say the work in FDD is so much better than audit? I’ve been in the group for a few months now, and it seems to be just as bad if not worse.

Met this really cute guy at national training, exchanged phone number, but he's heading back to home office tomorrow. Advice?

I know the pay at Jackson Lewis is subpar, but is anyone at JL and happy there? I understand this is also probably office specific but am curious about culture and vibe.

Anyone from Capgemini Engineering Hamburg??

How is hcl GIT vertical?

I got offer for senior manager profile.
Offered 32L
Yoe: 11.5 years

I received a TS/SCI job offer upon which I turned down for personal reasons. However, I'd completed a full-scope polygraph in the process and was wondering if I'm eligible for federal contracting roles. Does anybody know how I can determine my clearance status?

I have an offer from UST global for the Bangalore location. Can anyone please tell me about the work culture and if work from home is going to be continued throughout 2022?

Are IQVIA and Foresight different companies? Or
are they the same?

What’s the meaning of life before FIRE and after FIRE?

Listening to Rich Dad Poor Dad and I keep expecting every story to end “and then everyone clapped” 🙄

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

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

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

What stocks are you guy guys buying right now in this market?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Is there an app where I can see all the list of credit cards and the balance I owe, where the app doesn’t force me to enter bank log in details like mint

Are investment properties good for retirement?

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!