I’m planning to build out a set of wealth management tools and would love to get some feedback. When planning for retirement, how would you prioritize the following (and is there anything else you’d consider)
1) early retirement - minimizing the age required to get just enough wealth/ savings to retire (I.e., your target wealth at death is zero)
2) inheritance - maximizing the value of your wealth at the time of your deaths

What are some of the REITs you have invested in? Any suggestions on things to look out for while researching REITs?

How does one get pre approved and start the process of looking to buy a home? Do I go online and do it myself or do I find a real estate agent first and they’ll help with that? I’m so lost on how to begin the process as this would be my first home.

Hi Fishes,
I'm having 9 yoe and till last year my saving was around 18lakh that I used to take home with loan of 30L for 10 years and now I'm paying around 35k emi. As of now I have 1lakh in my account as emergency fund. I feel that I'm not saving well. Can anyone tell me how can I mange my saving better? I earn 1lakh/month and no family support.

Need Advice on buying my first car here.

Married with no kids. Have been in US for 3 years now, looking to buy my first car here. Open to buy a used car but I know nothing about cars really.

Mostly looking for something that I can use without much maintenance and get rid of in 3 years or so. Budget of around 15k. Driving skills is not an issue, have been driven rental cars extensively.

I’m using TurboTax and hoping someone can clarify if what I am doing is correct. I contributed to Roth IRA, but MAGI is above limit so I recharacterized in 2022. For 2021 tax return, I selected Traditional IRA > No to repayment of distribution > No to excess IRA contributions > No to non deductible contributions to IRA…after saying No to all of the questions, it states that I have a penalty. I thought I didn’t have to pay a penalty if I recharacterized? Any help appreciated!

Any good recommendations for HYSA in NA. I’m a fresh college grad, finally budgeted and need realized I need a proper account to save an emergency fund. The rest are in 401k and investments. Thanks in advance!!

Did not have the cash and guts to invest today ‘coz I thought Monday and Tuesday was low enough to use my opportunity funds. Oh well 🤷‍♀️

Whats investments do desis on H1 do? Bought real estate in India, invested in stocks in US, bought home in US. Planning on buying more real estate (land or house?) in US, but is there anything more we can invest in?

I was laid off before the whole pandemic went down and I still have my previous employers' 401k plan. Should I keep it until I find another job or what should I do with it?

What is the difference between FSA and HSA? Can one be used for investing?

🥜 if all your life you lived in Florida, no state income tax, you stashed a good chunk of change into your traditional 401k (earned in Florida)...then retire but move to say California (1 of 2)

Is it true even if you get married on 31st december..you can claim benefits of joint tax filing for the entire year??

How should I interpret 3.37 AMH in a 35yr old? Is it good or not so good?

Can funds rolled over to Roth IRA via mega back door be withdrawn penalty free (contributions only)?

Does anyone have any links to essay-to-understand explanations of back door IRAs? I think this is something I should be doing but I honestly have no idea where to begin…

Stock mutual fund recommendations for 2021???

Was there ever a time you wanted to give up being a real estate agent?

Been trying to buy a house in Columbus, OH but the market is crazy, inventory is short, prices are thru the roof! Any ideas...?

I just transferred an IRA to vangaurd in hopes of allocating my money to a S&P500 index and forget about. However on the site I can only choose target allocations (e.g 80% stocks, 20% bonds or whatever mix) Is there a way to pick specific ETFS and funds?

Do y’all factor in Mortgage (equity and debt) to New Worth?

If so... How do you even get to a positive Net Worth under 30?

My wife and I are 25 YE and have about a $180k annual income (including bonuses). Net worth is about $35k right now... But am discouraged cause I see us going into the negative NW very quickly when we try to move from an apartment into a house.

Anyone here ever been to RCA? Is it worth it ?

do sell-sides always feel like a sh*t show?

@McGraw Hill any idea on salary for academic design roles ?

Just realized I haven't thought about needing to wear non-pajamas in over a week.
This has become my new normal.

Hello! Is there anyone at Apple that’s willing to do a referral?

Thoughts on jumping to a small independent agency? I'm leaving a small-ish agency where I was only working on one massive account, hoping to get more exposure to different therapeutic areas and more interesting projects.
Had offers for bigger name agencies as well, but went with my gut to the small agency. Mistake?

What are some good exit opportunities to the private sector for someone in tax? Looking for increased pay and WLB. Currently at senior level

So I’m thinking of taking a pharmacy tech course at my local community college. I already work in healthcare on the admin side (authorizations, front desk etc) & looking to get a certification that’s quick & don’t have to go back to school. How is it being a tech in the hospital setting? What other paths are there for techs? How much can you make? Or are there any other short certifications that would make more money?

This job is not for women with kids unless you go on some sort of reduced schedule or stay up super late most nights after the kids are asleep. This is so impossible!! 😖 just needed to vent somewhere

My girlfriend is willing to break off our entire relationship because she found out my mom doesn't approve of her. We have no issues between each other but she said she can't be with someone who's family doesn't like her.

Dips I bought (all biotech):

BNGO
ATOS
CLVS
ACRX

EY or PwC??

Interviewing with both companies as an experienced hired/ experienced associate..

Which company do you prefer?

I’m curious how ADHD professionals prepare for job interviews. Some interviews I’m really nailing it and other interviews I can’t find the right words to communicate properly.

I’ve just started a bowl for diversity in London specifically if anyone is interested - 9qo8f

What diwali gifts/goodies we can expect from cognizant this year?

Hello, could anyone please tell how long the BGV in servicenow takes place ?
Received BGV initiation mail on Oct 3rd, how long does it take to complete ?
Please respond!!

For all you retail people...are you experiencing a very slow holiday season? I am a retail manager and I feel like this season has been freakishly slow. I thought we would at least match last year's number or be up a little bit but we are trending down. I talked to employees of other stores in the mall and they are saying the same thing. Is anyone else experiencing this in their market?

Can you start this if you’re 34? Kind of late to the game or nah?

Woohoo someone created a bowl

When you finally achieve FIRE, what are your options to cover health insurance? Any specific strategies to lower the health insurance cost?

What’s your recommendation if my new 401k does not accept pension rollover? I think the only 2 roll over options left are traditional/Roth IRA, right? If I first roll over the pension to traditional IRA, and then immediately roll over the traditional IRA to my new 401k, will I still trigger the pro rata rule when I do backdoor Roth in the future? I have never contributed to a traditional IRA or done backdoor Roth so far.

How can you achieve financial independence and retire early if your assets are tied up in 401k/IRA?
Do you purchase assets that produce dividends and other streams of recurring income to replace employment income?

Just want to hear from people who hit FIRE and pulled the plug on working. What are you doing these days? How great is your life? Any regrets?

Anyone do FIRE after doing an MBA in a HCOL city? I’m curious how people who graduate from top mba programs and work in NY or SF as consultants and manage to do FIRE

The BEARs have come out of hibernation!! It’s time! Hope you all learned how to make money in a bear market!

What stocks or funds do you invest your IRA contributions in. Just opened up my IRA last week and looking to see where to invest in.

Anyone follow Millennial Revolution?

Is it possible to live off 12k/year?

Has anyone calculated 15 years ROI for an investment apartment to rent vs. ETF stock investment in market by the same down payment /closing cost $ as a starting money? My calculation shows buying a house being a landlord gives a higher return when home price appreciation is 3% annually after factoring in all taxes in both cases, 1month of vacancy period per year, maintenance costs, compound interests etc. What key factors should I consider?

Thought I’d share with you all this text from my husband this morning: “Any stocks you’ve wanted to buy? Market totally tanked today.” The way to a girl’s heart…