Is there any benefit to setting up two different 529s? We already have one (NY) but my parents are insisting on setting up another.

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

I’m 9 weeks tomorrow! My husband and I are starting to explore savings options for baby. We’ve looked into 529s, custodial accounts, a Roth, high-yield savings… and I don’t know what’s the best option, I feel overwhelmed. Would love to hear what others have done or are considering! TIA

What is the *prime* amount of money to bring you happiness?

My play for next week:
Sell the SPY 200 puts since the market would plummet. Look for opportunities to buy back, probably when the stim bill passes. Would love to hear your thoughts on it

What is the most reliable way to make $750k a year by your late 30s?

I have a new prospect. Small business owner that wants to start a 401k for himself and his employees. Who would be the top 2-3 organizations I contact, and what questions should I ask the providers?

Alright auto fishes, I’m in the market for a entry level luxury car. Open to used or a lease. I don’t plan to use it as a daily driver, live in an HCOL. Only restriction is that I’d like to keep my monthly costs at no more than $600-$700/month (including insurance, financing / fees, etc; have a parking spot already). Doesn’t have to be a European badge. Thoughts?

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Anyone else feel like the markets always conspire against them? I.e. I have a “fun money” day trading account and bought two stocks about a year ago. Sold them because they weren’t doing anything and I found a more attractive investment and then they’re up literally 60% over the next three days after a year of 0 movement.

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

Can we combine our Corporate Amex points with Amex Everyday MR points?

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

For those that are currently investing.. Did you have an emergency savings first then started investing or did you just take $$$ and start buying?

Fish fam - quite new to all this and would appreciate your support. if I am based in a high income tax state but work on site in a lower income tax state. Can I claim the paid taxes back from my home state or do I always pay income tax based on where my home office location is?
Thanks

I have no credit history and am just out of undergrad making ~$100k. Any chance of me being approved for Citi Double Cash or Chase Freedom Unlimited? Do I need to get a “starter” card to build some credit first?

If I could walk away from it all I would. The betrayal, fake friendships, and back stabbing in advertising is taking its toll on me. I day dream of going to culinary school or just being a mom.

I’m a tech at an overwhelmed clinic. The money-hungry owner keeps hiring assistants with 0 experience to save money and the place is falling apart as a result. Do I try to make the argument for getting experienced help, or is it time to run?

How important is the prestige of the university where you do your undergrad?

What are people's deciding factors between working for a Reseller vs Vendor?

Another fly day, but today is 1 year sober for me. I used to love airports because I could run to a bar as soon as I pass security on a Monday morning. Yet I didn't think I had a problem.

What kind of appreciation do you prefer? Private or public?

Im a test away from passing my HFA in Indiana and also have B.A. 's in psychology and criminology, my MBA, and have been an LPN for 8 years. Any area I should be looking or reaching out to for a job? Thanks in advance.

We don't get salary of last month during notice period then when is it given?
How could someone manage who is living paycheck to paycheck
Ps: This is the first time I am switching

Hi Everyone, Can I please get feedback on Innova solutions. How is the company, job security and work life balance ?

Hope everyone in Victoria is coping during these times.

I will be moving to Australia from the US in a couple of months. I was wondering what would be the best way for me to transfer the money in the US bank account to Australia? Also what are some of the good banks that allow opening of accounts when the individual is not in Australia? Thank you for the help!

Currently interviewing with EY NZ as a risk management consultant. 1.5 yoe and expat from US. I have a rough idea for cost of living, so what should my minimum salary expectation be in Auckland? The position would allow me to work from anywhere in NZ but I'd prefer to be close to the office for at least the first year. Thank you!

Anybody have experience with PenFed for a VA loan? Came up in a search and their rates are extremely competitive. Any reason I shouldn't take the lowest bidder?

Hello Fishes, Just curious to know anyone working with any gaming companies (EA Games,Activision, ubisoft, Sega,etc)
Like how do they hire?
Which tech stack they would be looking for?

Has anyone ever posted a general marketing position? We have an open position on our marketing team but we are unsure what type of position to offer. We have a wide variety of needs but don’t necessarily need to have this future person have all these skills. For example we need someone with great copywriting skills and also need someone who is great at digital marketing. This person doesn’t necessarily need to have both skills but if they did great, but if only one, great too.

How do you actually not have work when you take a vacation? Impossible

Anyone ever use a credit repair service and have success?

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...

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Anyone have a recommended tax person in Chicago?

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?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

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 :)

What does 401k mean?

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?

Thoughts on personal loans to consolidate Debt?

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??

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

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

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?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.