I’m 28F. Is it ok to go 100% on FXAIX in my 401K then switch to TDF when I’m 50? Any thoughts?

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

Looking to buy a model Y. Test drive it yesterday. Feels a bit sporty (not luxury comfy). Debating:
(1) lease vs. buy. Thoughts?
(2) is the $10K investment in FSD even worth it? I think no.

Hi new to dfw area looking to buy a house. How’s the commute downtown from Frisco/McKinney area?

Can we combine our Corporate Amex points with Amex Everyday MR points?

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

does anyone use simplefx for crypto? Do you like it ?

Well I guess my holdings are never going back up in value

I have no credit history and am just out of undergrad making ~$100k. Any chance of me being approved for Citi Double Cash or Chase Freedom Unlimited? Do I need to get a “starter” card to build some credit first?

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.

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!

Who else is buying?

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

Any student loan refinancing options in the UK for loans taken in the US?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

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?

Holy shit I do not care about this Bernie/Warren feud.

I am gonna vote for whichever one is nominated and be happy about it. Or Biden. Or Buttigieg. Or Klobuchar. Or whoever.

Just not Trump.

Do you think Trump will win the general election if he runs again in 2024?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Hi Myself Suresh,
I work in consultancy firm as an Oracle EDM developer.. I wanted to get certified on Oracle EDM ...so was looking for any Materials where Internally Oracle provide to thr employees
Or if anyone has any materials, videos, tips, guidance, Question dumps related to Oracle EDMCS certification please share to me

Thank you

My husband has untreated OCD. Does not want to get help for it. Does anyone have any advice for spouses of OCD sufferers?

Any single women like houses?

Has anyone been to the UK lately from the US? What are the Covid requirements / restrictions? Thank you!

Hi folks
Please suggest
I am working in service management and ops domain (non tech) with two year of experience.
I have been offered
Epsilon- 8lpa wfh for initial 6 months
Capgemini- 8.7lpa (have to relocate immediately)
Which one should I join

Do infosys really allowing permenant remote option?Please help

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Do we have leave encashment policy in PWC at the end of every year.
If yes up to how many leaves we can encash?

Hello,

I will be joining PWC AC Bangalore in couple of weeks for SAP tech stack.
I am joining from a product based company. So wanted to know how we are assigned to projects. Will there be any client interviews. If yes will it be very tough? Do we get a say in the projects we can get to work or its usually assigned and we have to take it up.

Thank You.

San Antonio food and things to do???

What is the mean salary for a Project Manager in Italy?

Interested to know: how nervous do you feel about losing your job during these strange days? And do you feel like your company is taking advantage of that at all, knowing you won’t leave?

Anyone joining VOIS On coming 20 sept (pune location)?

Google stock to buy now or after the split?

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)

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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?

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

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Thoughts on personal loans to consolidate Debt?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

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

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?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

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.

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?