Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

So student loans aren’t being forgiven this year…right? I think it’s time I open the flood gates and dump all I’ve been saving towards my loans. Or should I leave 10k in hopes of forgiveness later on?

Pretty new to investing. Can someone please explain what a SPAC is? And the difference b/w a SPAC and a VC?

What are some of your go to resources for investment ideas or advice?

Need to urgently find a 500k job. Can't keep up with mortgages with anything less. Any advice?

I make $101K base salary as a Consultant/Specialist at Accenture Federal in Washington, DC. My husband is a teacher making $55K. We’re getting by with our mortgage and regular student loan payments, but it’s not enough to do much else. We also want to start a family in a few years. What move could I make to hit $150K base? So many of you are making unbelievable amounts… I don’t know how to keep up.

Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Considering the current fall in the equity and crypto market, which would be your go-to stocks / coins?

Would you marry someone if they had a lot of loans on their head?

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

Bought some litecoins on Coinbase - how long does it take for transaction to go through and owning the coins?

Any good insights/links around miner profitability analysis across the various bitcoin variants. (I mean taking into account block size, block time, incentive per block, difficulty level..)

Is buying into the VIX the best way to hedge for a mkt downturn?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Which side wins the trade? Justin Jefferson, Aaron Jones and AJ Dillion for Mark Andrews, Derrick Henry, & Alvin Kamara?

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Guys ..
When will final settlement take place? What will be the components of it?

Hi-I have 120K in cash in HYSA. After keeping emergency fund aside. Still have 75-80K available that I plan to invest. After 401k, HSA, IRA and monthly expenses: we are left with 6K every month. So investing 12K every month in market. My worry is with that rate - it will take us 12-14 months to move the extra 75-80K mentioned above. However do not want to make a bulk move. Any advise how to plan the switch. At present have 60K invested in stocks. Thanks

Lessons that I learned in past weeks: 1) be careful with out of money options as they don’t have intrinsic value 2) don’t make rash decision based on blindly following others 3) cut loss and ego

I'm a younger plaintiff's side attorney (31). Does anyone else feel like white attorneys give you a particularly harder time? Like unreasonably denying clear facts, or trying to fish for a way to sanction you? Usually it's solo defense attorneys that get extreme with it, but I've seen some questionable stuff from BigLaw too. Hopefully I'm not the only one.

IDN up 15% today, was a great call out

Hi! I'm technically an AD but have found myself working in so many production roles as my work and really digging it all. I would love to talk to someone about all this production. Anyone down to chat about the production life?

I got promoted to Associate in oct and joined cognizant as a fresher in 2020. My current CTC is 4.5 what can be my expected CTC after the promotion and yearly hike?

Hi everyone! How are you all doing?
I am looking for a switch to a Data Science/ ML role.
As of now, I am working as a Data Associate and my tech stack is: Python, SQL, Aws, kubernetes, docker. I have worked on creation of Novel scripts to parse medical data and optimization of existing data parsing scripts, ETL pipelines and Data Migration. YOE: 1year 2months.
Thanks.

I just got a new credit card. It came with a Priority Pass membership. I always travel economy, I hardly ever get lounge access. I got excited, until I remembered I can’t travel and lounges are closed anyways. :(

Any one working at Clientek? Got an interview next week, have a few questions. Thanks.

Hi everyone! Would anyone happen to be willing to give a referral to Deloitte? I’m looking to apply for a job with them in South Carolina.

Thanks!

What is the next process once accepted offer in pwcindia. I have accepted offer and have my joining in 2 weeks. Have not received any further communication from HR.

I’m at a mid size transactional firm. I’m a total night owl and my partners have OK’d me starting the workday at around 11am because I regularly work until midnight or later. I get so much more done after dark! I still get some side eye from other associates, but 🤷🏽‍♀️

Does anyone else here have an unusual work schedule? Curious what adjustments you’ve made to make it work.

My probation has been increased by 3 months. Honestly, idk the reason because I have worked so well in these months. Like seriously 🙄 Are there chances of firing after those 3 months?

Does the PwC Boston office have an LGBT group? I'm trying to connect with gay people at work

Anyone else experiencing pencils down?

Does anyone know what vaccinations are looking like? Where to get them and when they’ll be available?

What are your top 5-10 apps you use on the daily?

Edit: daily mobile or desktop app

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?

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)

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

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.

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

For those of you who made your first million in net worth, what did you do next?

What stocks are you guy guys buying right now in this market?

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?

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

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)

Hi, I repaid my student loan today and feel awesome. Want to start saving for a home ($350-400k). Any suggestions if I should invest in something short term or a Roth IRA or let it sit in my bank?

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

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.

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

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.

Anyone start later in life? About to turn 32 and my retirement savings are sad.

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?