Is my logic sound?: I’ve been allocating safer medium growth /medium dividend stocks in my Roth IRA given that it grows tax free.
Taxable brokerage is utilized for high growth (small & big tech.) where there is no dividend concern and can take advantage of tax harvesting should positions be sold at a loss

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Does anyone know how to roll options in Fidelity’s app? Recently moved from TDA to fidelity

Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

Mortgage rates already crossed 5% but the home prices not showing any signs of cooling down!! Any historical indicators where we may be headed 🤔

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

Hi Everyone,

I'm a Software Developer with 6 years of experience. I'm immigrating to Netherlands in few months.

Is 4k Euros per month in hand salary after exclusion of taxes is reasonable to meet the expenses of 3 member family in Netherlands?

Anybody made the move to freelancing? Infinitely happier? Enough money after taxes? Asking for a friend.

Junior Associates - How much student loan debt are you and your peers in these days? A few young partners and counsel at my firm were discussing the student loan moratorium and most of us were convinced we could have paid the majority of our loans off with the bonuses associates got these last two years. But we are all old and when we graduated 150k to 200k was about the max student loan debt people graduated with. So educate me. What is the average student loan debt these days?

When budgeting for a home, what is it typically based on gross or net? And what should prevent range be (from comfortable to overextended)?

Anyone using services like Motley Fool or Seeking Alpha or any other paid service for stock recommendation? Looking if they are worth it or not

Can I save tax by buying second house if first house is already in my name?

Other than Fidelity, what's the best brokerage account out there? Looking for something visual that allows fractional shares and portfolio insights.

Kind of wild that I consider myself very lucky to make $175k a year at 26, yet I could barely cash flow the shittiest Manhattan apts without being stretched

For those who have most of their money invested, when a building wants to see your bank statements for a new lease, can you show them that your money is elsewhere?

When did you buy a home?

I’ll be working near a big market at 85% BigLaw salary. I have student loans to pay off, but considering getting into the market early with a low money down option.

Needs some ideas for scenario planning optimizations! Currently have a model to predict conversions given media spend, I can adjust spend up and down to create different budget scenarios and send to model to get respective conversions. Thoughts?

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

Why do some people get laid off and others not? Is it always utilization? Do people typically know they're at risk before it gets to that point?

Can sumone provide a reference for a person having 12+ years legal experience in multiple fields including litigation/consulting/advisory etc, in & around Delhi NCR?

Welcome! This bowl is dedicated to discussing issues, concerns, and questions by and for young lawyers (<10 years out of law school), but all lawyers are welcome to join.

Can anyone refer me for java developer role 3.11 yrs exp

Just booked flight to Hong Kong. Best SPG/Marriott to book on points? Trying to find proximity to good nightlife, restaurants, and public transportation. (Cont.)

How long is the recording delay in your jurisdiction?

Hi partners. How confidential is the partner process? I’ve been asked by a partner reviewing a candidate regarding the candidate. This candidate has been manipulative and deceitful to me. I don’t Cont

What’s it like working at CME Group? Work-life balance, benefits, salary ranges.. I just completed my MBA and accepted a job in industry but am getting bored, so considering a change. Thanks!

Hello Fishes, is it common for wipro to extend the doj. Somone i came across his doj was changed from august to october.

Guys I had a terrible nightmare this morning. Apparently I saw two middle aged men burning alive in a hotel room. And then I woke up.
Too much game of thrones or is there some meaning to this lol

Exam tomorrow - super nauseous which makes me even more anxious 🥲 anyone get this and how do you cope?

Does anyone have any advice on how to convince yourself life is worth it when you think it’s not. I’m a 28 year guy, just got laid off from my job, have aspergers, have no friends, can’t find a gf, why do I even try anymore at anything

Now that I got promoted to manager, I’m kind of missing the camaraderie that came along with being out on the floor with everyone else. Is that normal?

Inebriated thought...What if rhinos are simply unicorns that let themselves go?

Has there ever been a consultant’s union? Would you consider joining if one existed?

Our annual reviews are approaching & one of my direct reports has been with us for almost six years w/ little growth. My reco was to let him go & find a stronger, hungrier & more motivated designer at the same level. However, my boss instead wants us to promote him in hopes that will spark some motivation. I am not behind this decision & have voiced my multitude of concerns in promoting an employee who doesn't deserve it. HR is behind the decision! Thoughts on promoting an undeserving report?

Is going on 26 years old too late to apply for an internship as a brand strategist?

Anyone live in the Ventura building on the UES? Thoughts?

How much can I ask for with 4+ years experience at strong nyc agencies?

What’s the going OTE for an enterprise software pre-sales engineer/architect these days for 10+ years of experience? Looking around at different opps and not getting any pushback from asking for $250k OTE even though my current employer believes $230k is the high end for this level. 🤷🏻‍♂️

Hey how to get pluralsight access?

Anyone using services like Motley Fool or Seeking Alpha or any other paid service for stock recommendation? Looking if they are worth it or not

Other than Fidelity, what's the best brokerage account out there? Looking for something visual that allows fractional shares and portfolio insights.

What's your target retirement savings? Target age? Combined or single?

If you were to buy only one, ARKW or ARKK and why?

Please, can some explain it to me like I’m 5 why Tesla’s stock keeps going up? But seriously, with a PE of almost 1,100, why?

Folks, investing newbie here. Planning on using the Bogleheads recommended 3 fund portfolio. Opened a tIRA with Fidelity and have been reading about their 4 fund portfolio which is in line with Bogleheads.
Question: I'm looking for a step by step video on how to go about selecting investment options. As a newbie, I know what I want to invest in, but I'm not sure how to do it. Any tutorial videos that walk you through the process? E.g.- click here to select, click there to confirm.

26 y/o and a total investment newbie.

I have $100k from an annuity invested with Schwab and managed by a brokerage firm. My parents set me all up with this when I got access to the funds at age 21. So I’m not sure of the complete breakdown other than the fact that it’s diversified according to my tolerance for risk

Now, I also have $25k liquid cash I’d like to do something with. Should I just add it to the existing portfolio, or create a separate, self-managed account?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

I’m living off $47k post-deductions (401k, etc, but not taxes) in a T2 city. What are some good money saving tips and tricks for relatively low income consultants in their early 20s?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

So if I short a position in my rollover Ira- and buy different stocks. I won’t pay taxes on it?

Which assets to invest pension into?

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

New to trading and investing in equity. Have $200k in equity and $20k in MUNI bonds. How do you plan to diversify?

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!