I'm 42 with no retirement savings.... any tips on where to start?

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Anybody know what's up with QS?
Good to buy the dip? They down 40%

If your investment bank has been asked to grant loan-repayment holidays, share your view on the potential impact of them.

What percentage of your income do you save, invest and spend?

SOL vs ETH 2.0?

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

What if institutional investors really buy into futures and drive BTC really high, as opposed to short selling them! Anyone have FOMO?

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Advice for doing consultations with a new client and trying to convert them? Feeling the pressure now more than ever to bring in money to the firm.

What does anyone know of real estate in Web3? I keep hearing about it but it feels so foreign that I wouldn't know where to begin.

In your opinion, what’s the best hedge / best buy against rising interest rates?

New to investment and have saved 50k from my job. Is putting them in ETF strategy till I learn more about investment?

How much money have you lost? Misery loves company

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

How long does it take to make at least $300k per year if you are in-house?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

4th year associate, 200k student loans—think I’ll be able to get a mortgage even with loans? Looking at a place for 450k. I have 3.5 years public interest work that counts towards PLSF and I plan on going back to government so I really don’t care to pay it down.

Do partners at top consulting firms have better WLB?
An Associate here contemplating whether all this is worth it.
Thanks!

Considering pulling the trigger on a 2011 BMW 328i (e90), manual, around 80-100k miles. What should I budget yearly for regular maintenance/repairs on this type/age of car?

What would be the salary range for a demand planning specialist in Bay Area?
For someone with 3.5 years work experience and masters degree

I have 3 years of Experience working as a fullstack developer using .NET Core, Angular, React, and Postgres.

I have also done certifications in Machine learning using Python and Tensorflow, but I am unable to land an interview with Microsoft, even if my profile matches the job description.

Any nudge in the right direction would be appreciated.

Thanks.

What prompted you to do a complete community overhaul? Did it pay off?

How long do you give an initiative before accepting it didn’t work out and it’s time to try something else?

Friday Wordle 335
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Best meal you've had in Chi town recently? Parents are coming!

Anyone else have a S.O who is anti covid vax? If so, how do you deal with it?

While I do believe people should have freedom of choice, but it’s different when it’s someone close like your spouse/gf

I know that sounds contradicting.

Anyone interested in PCS work? Please DM!

What companies in India only take about 2-3 rounds of interview? Which companies have the quickest interviewing process in India?

(Especially for Data analyst / Data science roles)

take job with long commute or stay at b4?

Creative projects to do as a summative for Of Mice and Men?

Where do you find the time to get everything done in the day when you have multiple partners, associates and equity partners that interrupt you and want things turned around immediately while simultaneously working on deadlines? I feel like I’m the only one that can’t manage a 70+ case load without letting someone down. I constantly have to say “Can I do this tomorrow?” Etc. I don’t even have time to bill on the clock. I work until 7p at least every night. Top 10 family law firm.

Do I work at a toxic workplace?

We had a team touchbase where we as a group were asked our concerns regarding year end. I raised my concerns about staffing/expectations (the team is 75% new) since last year was demanding with us being up to 1 AM the day before deadline.

My director was on the call but not my VP. My VP reached out today and said he doesn’t appreciate hearing such comments on the grapevine but I was confused b/c all i did was answer the question I was asked.

Starting to manage a junior for the first time on Monday-any tips ?

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?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

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

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?

Anyone have a recommended tax person in Chicago?

Paid off my account debt!

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

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?

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?

In your opinion which is the best target fund to choose in IRA Roth?

Anyone have experience transferring stock out of Computershare? Rolled my old 401k to a IRA and am trying to figuring the best/cheapest way to transfer my former company stock to my taxable acct. I assume transferring to the IRA is not possible

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.