I’m 33 and married. I’ve been working so hard to coast fire the last few years, with $1.3M in brokerage, 500k in retirement, 450k in home equity and 150k in savings. We’re blessed we had a baby last year but suddenly it feels like I’m no longer coast fire. Childcare expenses, mortgage and general cost of living in America is a killer. Anyone else feel this way? How do I continue on my dream of coast fire but keep afloat over the next few years with all the costs?

Just venting. College friend (same ethnicity but came to US with family as a kid) told me she might get a new job offer w a smaller firm, 50% pay bump. We currently work at comparable big firms but her pay is already higher than mine (hers include stocks, mine doesn’t). We did equally well in college & I know I’m just as smart. Can’t help but feel like my career’d have been much better if I did not need sponsorship. Smaller firms don’t sponsor so I work at a big firm but pay isn’t great 🙄

My colleague is going on maternity leave for 4 months and I was asked to cover some of her projects which are step up in responsibility than what I’m currently operating at. Some peers have suggested I ask for a raise to accommodate this but I’m not sure I agree as I’m only covering her while she’s out? What are others thoughts about this?

Misled on Maternity Leave Policy. I found out I only get 4 weeks pay for maternity leave (STD +“sick days”). I will take 12 weeks but wont get paid for 8 weeks. I work for a US, west coast based company in the tech/VC industry. Their website claims to offer “paid parental leave and other progressive benefits for parents”. I didn’t find out until after I was hired their pay was only 8 weeks but since I have been at the company less than 12 months, I don’t qualify for their policy. Is this unfair?

I just started a new job 2 months ago, benefits and PTO don’t start until 90 days in so I still have a month before I can take off any time, and today found out my company doesn’t offer paid maternity leave.
I’m really struggling handling the symptoms and maintaining my full time job. Thinking about looking for a part time job to have more time to myself through the pregnancy since I won’t be getting a paid leave anyways, but lost on where to start looking. Any recommendations?

Denver culture (and suburb areas): interested to know how easy is it to make friends here. Both husband and I are late-30s, early 40s with a kid going into middle school. I’ve got a great friend group where we live now, but looking for simpler and cheaper way of life but dreading not being able to make friends.

Pregnant with my second and I have no will to work. I use to be passionate about my work, but now I m forcing myself to complete the bare minimum tasks needed from me. Not taking any proactive assignments.

Has anyone else felt similar during pregnancy or postpartum?

Hi All,

Is $75kpa enough for two in USA, Georgia, Duluth?

I think post tax deductions I should get around 4.5k per month.

Please advice.

Current CTC is 14.2lpa.
However I have a 9 yoe and current stack is GCP, Python,Airflow etc for data engineer.
If i switch chances are I can get a 20lpa+.

My wife is not working and we plan to have a baby next year.

Please advice.

Anyone at BDO Tax that could let me know what the paternity/maternity leave is? And what the 401(k) program is? Looking as a tax manager, if that matters.

Thanks!

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

I’m 29, female, is it still a good time to move from audit to FDD? Probably having kid in the next two years.

Currently in industry at 135k salary, poor healthcare, amazing wlb, a month of parental leave, work is okay.

Considering data science roles at :
return to Deloitte aim for SC in GPS
trying out EY GPS aim for SC
Gov job range is 100-120k and would need to negotiate up pto otherwise I’d for sure decline

-any perspectives appreciated

People that have small children - how do you deal with your child’s stress and separation anxiety when you go to work? My 4-year old goes berserk almost every day at some point relating to me having to work. The worst part is that I’ve been working from home bc of Covid and I’m literally just walking upstairs after giving hugs and kisses and saying see you soon 800 times. My spouse is a stay at home parent, but that doesn’t seem to matter to my son. A piece of me dies everyday because of this.

Anyone know if the paid 16 week parental leave is available only once or for each birth?

Anyone experience not working well with managers and up (due to micro-management, talk to you like a child, etc), but find them cool outside of work? Finding it hard to hang with them during HH now.

Hi Everyone,

I just need some advice.
My father passed away a few months back and I am yet to obtain the legal heir certificate. Given the ITR deadline is near, should I just file his ITR from his account or is there any other option?

Thanks in advance

Fly day horror story...screaming child 😩

What is a good website to use to create a whole custom baby site?

Are y’all worried about the availability of work with the projected upcoming recession?

Found thread to gain status through match stream for all rental companies and 5 hotel chains

For those of you on medication, how do you manage delayed flights causing you to miss appointments? Often, cancellation policies are strict, expensive, and require several days notice.

Anyone in the hospitals seeing the increase in monkey pox? How are y’all doing? You are not alone.

Last week, I mentioned that I needed to take an appointment (my therapy appointment) this Wednesday at noon. I also mentioned that this is a medical appointment, and I don’t feel comfortable moving the appointment. I just received an email that I need to be available. How can I stick to my boundary?

Spring4Shell vulnerability is here like log4J

What would be the CTC for technical lead role?
They are giving 15 percent variable as well.

Will I get 100 percent variable on quarterly basis or not?
What's you experience with Infy?

What is the salary range for Service delivery Manager in Kyndryl for band 8?

I got an offer from Telstra, I have 7.5 yrs of exp., please guide me how's working at Telstra, in terms of wlb .

And job security, as there are lots of new about lay offs in the industry from product based organisations mainly, will Telstra be safe to join.

How many days need to come to office, and what are the work timings.

Is work from home option also possible.

Please guide.

TIA

Anyone remember that Pat The Baker ad from about 10 years ago with the Polish lad singing "Now Pet is on his veyyyy!"?

Long shot here. My wife has been trying to get Taylor Swift tickets with no luck. I'd love to come in and save the day. Does anyone have one extra ticket that they'll be willing to sell?

Have you been invited to join The Human Gathering?
Did you do it? Was it worth it?

We calendar court deadlines and internal deadlines. Why do associates disregard internal deadlines?

Hi ,
Could anyone please suggest which company to join for 9+ experience guy
Hitach Vantara,
Epam system,
Netcracker technology,
CTS
Except CTS-everyone is offering good package

Are there any flexi benefits in the payroll management system to get the tax exemptions in BA Continuum?

Hi folks,

My current project is discontinued by client, so I’m on bench now. Im serving notice period and only 40 days are remaining. I asked HR for early release me but they denied, saying its our policy to complete NP

Is there any possibility to get early release? Whom to I contact?

What are chances of onshore in Persistent. Canada or Europe ?

Hi everyone

I had HR round today for TCS, Everything was ok until HR offer salary, offering 11.5 for 4 yoe in automation testing, Current package is 7.65. I have said ok and she said i will receive offer letter in 7-10 days but i am not convinced with that offer.
I am thinking to reject that as it is very low and i can't put papers based on that low of a package.

Any suggestions??

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

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

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?

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.

Have 20k, what’s a good small business to start with this fund? Serious question here

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

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?

Are investment properties good for retirement?

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

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?

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

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

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!

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?