I’m 38 w 2 kids and behind in investing (was saving for a long time to buy a house). Have 401k and 529s but that’s it, lots of cash in the bank that needs to be put to work. I have saved up about $200k that I can invest but don’t know where to even start. Funds I guess? What’s best - Vanguard / Schwann? Any advice?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

BTCS penny stock in the move today. Thoughts?

Anyone participating in dry January or done similar things in the past? Did you notice an effect on mental health or other benefits?

What are AFS’s education benefits - do they provide free udemy / learning tree accounts for self study?

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

Can wife claim husbands PAN for HRA? Flat is in the name of husband

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

How do you handle personal investments when married? For example, say you wanted to invest in riskier areas like Bitcoin, Ethereum, defi tokens, etc. Would you talk to your wife before every investment even if it’s time sensitive? Or do you have joint investment buckets where you decide together and then personal investment buckets where you invest on your own? Not married so not sure how this typically works

Why cant we trade UWMC right now???

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Any advice on how to building wealth while making $80k a year? I am invested with my company’s 401k and am looking to buy a house. I have been working for a year now and have saved over $40k

Should I max out my HSA contribution?
I am maxing my 401k though.

Also, if I max my HSA, can I invest say 50% and keep the other 50% for expenses?

Let’s say you have two young, high income partners in a couple who want to buy a house together but don’t really care to get married. They already live together in an apartment but both want to move to a house to build equity and have a yard, not share walls, etc. Should one partner buy the house and the other pays rent until they get married, or should they get a mortgage together without being married? I realize there isn’t a “right” answer but I’m interested in people’s experiences here.

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Who else here was forced into healthcare by their parents? We're first-generation immigrants from Nigeria and it was either healthcare or engineering for me.

What are the benefits working at Wells Fargo. Are Sodexo, Transportion and internet reimbursement available similar to JP Morgan?

Hi

Wellbeing Program
Employees will receive a reimbursement of up to INR 10,000 for eligible expenses per calendar year.

What's this program in S&P Global?

How is the GSAP tech allowance taxed? Bonus or income?

Confirming that the cheapest and fastest way to buy Electra is to transfer LTC to Coinhouse and then convert LTC to BTC

What do you guyz think of Bitcoin Cash (BCH) ?

Any recommendations for resume revamp?

Left Deloitte this year. Kind of felt bad about missing the retention bonus bc I still like DT. But I got an unexpected $60k RSU award today and now I’m not feeling bad anymore. Still will always be grateful for my time at DT though.

Any info on FTI Consulting? Heard about a senior consultant job in the restructuring group and curious what people have to say about it: salaries, benefits, WLB, growth, etc.

Hi all,
I have one doubt. What is the meaning of "LD." in bny Mellon? I saw lots of positions starting with ld

What is the interview process in Grid Dynamics For QA Automation Engineer.

Does anyone else have to wait until they have all assignments turned in for the day to start grading? I have Geom classes in the a.m. and p.m. and my OCD doesn’t let me grade as they are turned in.

Beginning to invest. Which is better? Merrill edge or fidelity ? Have a BofA bank account and an employer Fidelity account for RSUs. Also have a TRoweprice 401k account from past employer.

Deloitte vs Accenture Workday practice.

Which one is better in terms of culture, projects and WLB

Has anyone been following the progress of “data portability” discussions / legislation? It has been a topic of discussion among retail clients who need to comply with privacy laws like GDPR and CCPA.

Moving to dc from nyc. Is there a place like sheep meadow in Central Park to picnic, drink, and chill?

Can someone please refer me for a marketing position at Flipkart?

What should be the salary for C10 with 9.5 YOE in CITI

Any insight on Buchalter in California? Salary, culture, etc. Thanks!

Any insight on Hunton Andrews Kurth Real Estate practice group? Work life balance, type of people in the group etc. Anything at all would be helpful!

Hey folks, how much time it takes for first advantage to start background process ? I have accepted the consent form but haven't recieved any mail from them yet.

Traveling to NYC soon and I wanted to know what restaurants are worth visiting... I feel like I have high standards working in the hospitality business!

Best books on business/ negotiation/ leadership you have ever read (and use practically)!?

Looking to hire a Project Manager in the LA office of our small independent agency (with big clients!). Work will involve shoots, retail and general branding/strategy - with hopefully one day some events back in there. DM for more details.

When determining your retirement spending, how much do you anticipate and budget for healthcare costs? This is for the US.

How do you handle personal investments when married? For example, say you wanted to invest in riskier areas like Bitcoin, Ethereum, defi tokens, etc. Would you talk to your wife before every investment even if it’s time sensitive? Or do you have joint investment buckets where you decide together and then personal investment buckets where you invest on your own? Not married so not sure how this typically works

Let’s say you have two young, high income partners in a couple who want to buy a house together but don’t really care to get married. They already live together in an apartment but both want to move to a house to build equity and have a yard, not share walls, etc. Should one partner buy the house and the other pays rent until they get married, or should they get a mortgage together without being married? I realize there isn’t a “right” answer but I’m interested in people’s experiences here.

Any advice on how to building wealth while making $80k a year? I am invested with my company’s 401k and am looking to buy a house. I have been working for a year now and have saved over $40k

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Should I max out my HSA contribution?
I am maxing my 401k though.

Also, if I max my HSA, can I invest say 50% and keep the other 50% for expenses?

HELP!
If I sell a mutual fund (aciex) to buy an etf (splg) in my Roth IRA account, do I have to pay tax on the sale when filing next year? How does this work? TIA!

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Thoughts on Lockheed? Dropped lower than it's been in a while. Think it's a good time to buy?

Balanced portfolio: hows’s your stock: bond ratio? Within stock , which index funds do you invest ? I have mostly invested in vtsax and vigax, and tiny percentage in vviax. Do I need to increase in vviax?

I paid off all my debt (mostly student loans) earlier this year and haven’t changed my spending or lifestyle and the savings have been piling up. It’s getting addicting just watching it jump up after every paycheck. Feels amazing to no longer be in crippling debt and finally move on with my life.

What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

How can I learn about investing in crypto? KISS please

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

This is a post to reach out to Indian professionals working in US. How do you feel about investments in India vs Investments in the United States, all inclusive - real estates and stocks ETFs
TIA

Best resources to learn about stock options included with an offer? Don’t want these roses to start smelling bad in a few years..

During benefits selection this year , I chose HSA for the first time and I am informed that my account is opened today. While registering on Fidelity, I am asked to chose between FDRXX/FDIC .I would want to chose from available options and invest money. Which option I should be choosing of both ? Also if I can’t chose options on fidelity, what should I do about it ? My firm opts only for Fidelity unless I’m wrong . Happy holidays . Thanks in advance

Should I continue to live at my parents house in the Midwest as things start to open back up or move back to my assigned office city on the east coast? I’ve been saving a lot of money, but I don’t have any friends out here in suburbia. I’m only 25, no student loans, and kind of want to live the city life and make some friends, but I’m hesitant because this high savings rate is really nice and my project at work would be remote even without covid, so I don’t HAVE to move out anytime soon

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds