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Was scheduled for an interview today for a Director pos. early morning I get a Reschedule request to next Wednesday but I cannot make it due to personal commitment .
Called recuit mgr.to let him know and he tells me the director is very busy as she’s the IT. Dir for the whole org.politely asked him to send her availability other than next Haven’t received anything since then . Wondering if such co. Is worth pursuing that doesn’t value others time and that too a replacement pos for the same busy role 🥹
NVDA buy/ hold/ sell?
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Looking for a referral to MBB firms - thanks! 🤝
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NVDA buy/ hold/ sell?
Can I still do a backdoor ROtH IRA for 2021?
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Other than you’re typical monthly spend you shouldN’t have any more money in your checking account. Keep 5-6 months emergency fund in Marcus (HYSA) and then invest the rest in IRAs, real estate, i series bonds, other potential businesses. If you have any debt that’s got high interest rates (student loans, CC etc) pay those off.
DM me if you don’t have a referral to Marcus. You can get an additional 1% for being referred for 3 months making if 2.7%.
Open up Roth IRA if your income is below the threshold to contribute. After you have enough in savings accounts I would also consider rerouting your money monthly into mutual funds or etfs that track the stock market as a whole or an index.
Yes, good point.
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How much do you have in your 401k and HSA? That’s important info that will help readers determine if you are truly behind or not…
Do you have an emergency fund? If you’re building an emergency fund that’s fine (go for HYSA btw) but if it’s just extra money sitting then I’d open a Roth IRA and max that out next.
A good priority ladder:
Yes
Pro
Do you have an emergency fund? I’d start there to make sure you have a cushion if something happens (medical issue, auto issue, home issue, etc), depending on your lifestyle this should be about 5k in a HYSA.
Next - Max out your 401k contributions, not just the % your employer matches, but the full $20,500 and open an IRA at 6k/yr.
When you’re ready to buy a home you can take a loan from yourself on the 401k for the down payment, and repay yourself with interest instead of a bank. I will note that there are two schools of thought here and some believe paying a bank more interest is better than potential losses on a retirement account, but if the difference is someone else getting money and potentially paying more in PMI vs repaying yourself the interest, I’d take paying myself every time.
If you’re opening Marcus, make sure to get a referral so you get an extra 1% return boost for at least 3 months (meaning you’ll earn 2.7% for the next 3 months instead of the current rate of 1.7%). Happy to provide a referral if you don’t have one from someone you know (full disclosure: I’ll get a boost for 3 months as well)
I use SoFi for checking and HYSA currently at 2% apy
Hi! 👋 Join me to start earning more money with SoFi Checking and Savings. You’ll earn up to 2.00% APY and pay no account fees. Use my link to sign up and you’ll get a $25 bonus and up to $300 when you set up direct deposit. https://www.sofi.com/invite/money?gcp=cc2fac26-8829-471e-bcd6-6912a1c03cc7&isAliasGcp=false