I'm in a position where I'm late 40's with a good amount of savings ($2+million), but all is basically in a mix of IRA and 401K (about half in ROTH accounts). I will have access to 3 pensions at age 55 to supplement. I'm planning to reduce my COA now through downsizing my home so plan is to have $0 debt by 55 as well. Are there downsides to taking SEPP so early other than the need to continue payments until 59.5? I'm looking at options to retire at 50 or 55.

Genuinely curious: how often do you feel truly happy/enthusiastic in your daily life? What exactly makes you happy? I hesitate to self diagnose w “high functioning depression” but I have all the hallmarks. I have no interest in previous hobbies; picked up new ones & got bored very quickly; and though I’m still productive in my job, have friends/a SO—I don’t remember truly feeling happy/excited in a long time. I met therapists who asked me if I think others feel happy/excited all the time(cont

Any lady fishes up?

Considering a move from NYC to SF and my office will be in Palo Alto. Any advice on potential neighborhoods to live in without needing a car? Would ideally like to live in SF as I’m single and still looking to explore the city. Would the commute via public transit be terrible? Perspectives from former New Yorkers would be great too. Have been on the East Coast my whole life and don’t know too much about the Bay lol

I’ve heard electric cars aren’t actually as clean as they make them out to be since the electricity they use is still being produced by coal-powered plants. To what extent is this true? Is the reduced environmental impact worth the investment at this point in their development?

What is your rating of capgemini out of 5.

Compensation:
Wlb :
Learning opportunities :
Yearly hike % :
Onsite opportunities :
Your location :

What is your current salary and are you happy with that ?

CD’s seriously need to stop using “ALL IN” as a way to guilt people for wanting a social life.

Since Covid started, what’s the most memorable piece of content that you have seen? Mine has to be between Tiger King and The Circle. I never really was into reality TV but Somehow Netflix got me into it.

Is it normal for a California employer to include a very detailed notice in the employee handbook about employee monitoring practices and the company’s right to search your stuff? Or do I need to look for a new job immediately….. 🚩

Looking for purchase health insurance for business. Has anyone bought health insurance through their solo practice as a corporation. Any recommendations as to who to use. Small firm 1-5

Any tips on where to buy cotton that’s not from Xinjiang? It seems like all cotton comes from there ?

Have bad allergies and need to wear 100% cotton.

Can you objectively look at Trump’s record without letting your emotions alter the insights?

Curious to get some input: looking into a golf getaway for my birthday in late February and really honing in on either Kiawah or Pinehurst.

Been to Kiawah before around that time of year and loved it-- the Ocean Course was my favorite golf experience, but I also feel the urge to try something else. Thoughts? TIA!

Hi folks.

I wanted to know if HashedIn provides permanent WFH. Atleast for senior employees.

During my HR discussion, HR told me that senior employees like you (SE III) don't have to come to office.

I want to know if it's true or not.

Also please let me know what is the notice period in HashedIn.

Does GS provide permanent WFH?

I’ve been with my current company for a little over 5 years now and since the start of the pandemic have been WFH. I absolutely love WFH and have always wanted a position in which I could WFH. There is talk of bringing everyone back to the office full time and that’s not what I would like to happen. I’ve been searching for a new position in which it would be a remote role. My current company also said I am maxed out in term of what they are willing to pay salary wise.

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?

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

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.

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

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

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

FIRE - What is your total net worth so far? What's your profile?

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.

Best options (companies that provide) term life insurance outside of work? Please advise - looking to get this done this week for wife and I

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Pushing out my retirement date... Crypto down 60%, stocks down 30%.. I was a millionaire in Jan now only a 750kaire lolz. Just numbers on a sheet keep rolling

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

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?