Is this really a buying opportunity if valuations are still high from a historical perspective? Continue to DCA or accelerate contributions as possible?

It's super frustrating to be "time poor".

That's seemingly just the nature of working in Biglaw.

But every day you have the option to buy back your time.

How do you buy back time?

It's simple—by saving and investing.

And you don't need to be uber wealthy to regain control of your time.

Consider this…

Let’s say I close condo on Monday, and then a huge natural disaster happen on Thursday, or the same month, making $$$ damage to the building — Am I immediately responsible for the full special assessment bill? Is there any clause that can protect me a bit in my buying process apart from insurance?

P&T is ‘central to our FY23 strategy’ and yet we had to beg and plead to even get a handful of P&T Directors to represent at the Director CLeX happening this week in San Diego.

Not feeling the ‘one firm’ narrative we push - completely tone deaf and sends a horrible message for P&T Directors.

Major missed opportunity to start bridging the divide - particularly at a level where the real work gets done.

Looking for help articulating / explaining how inflation has a greater impact on lower paid employees than higher paid employees. I'm having a difficult time framing the toll of a decrease to income, above fixed costs, for those who have less income than others.

Best area credit unions?

Creating a 529 for myself before having kids…Should I setup a 529 for myself?

I don’t currently have kids but probably will in the future (31M, single now). Alternatively, I may go back to school at some point, or I’d be happy to disperse/gift the $$ to my nieces and nephews too… what’s my upside/downside?

Am I more likely to get Audis/ Mercs or BMWs at Enterprise/ National or Hertz at San Diego airport?

My home office is NY but I live in NJ and I’m filing taxes in multiple states that I worked in this year. On my W2 federal wages are the same as NY state wages, how do I track down my New York w2 wages without access to my detailed timesheets? Can I just subtract my total wages from the state wages from my W2 of the other states I’ve worked in?

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

Should I be reducing my contribution to my 401k at the moment? Based on the drastic 🐻 market?

How serious are the independence/investment declarations while joining Big4’s in the U.K.
My parents have a couple of minor investments in the stock market. Do I have to include my parents investments even if they are citizens of another country and invest only within that country?

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

How much hard cash do you all keep on hand?

Thoughts on vanguard money market funds to replace HYSA in today’s market?

Is anyone else pissed that our hard earned money wasn’t lost today, it was STOLEN by CORRUPT GREEDY HEDGE FUNDS

Anyways, not giving them the satisfaction. Gonna keep holding. Actually just bought the dips today for AMC BB NOK. Will keep holding for years if I have to because stocks eventually go UP📈📈📈 and ain’t no paper handed simp.

That is all
Obligatory🚀🚀🚀

So wanna run something by you all. Looking at insurance plans. There are 4 plans that allow an HSA. 3 of the 4 are identical.
500 firm contribution to HSA = ~21/ pay period. Add that to lowest HSA premium plan. It still comes out lower than the out 3 plans. So what am I missing?

Can someone explain whether you’d buy altcoins as a ETH pair vs a BTC pair? Does it matter?

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 think I'm breaking even in my portfolio since September of last year... Any thoughts on taking the loss on certain crypto in order to recognize the short term loss to offset my overall ST gain?

Anyone make the exit from B4 to external recruiting for an agency? Like Robert Half but smaller. I’m talking with one now and am considering it since I like the commission aspect. What is it like / how tough is it?

Anyone else having one of those days where you just can’t seem to do anything right? I’m dropping balls left and right here

Please give some reactions to this post to help me enable my DM.

Hi Everyone! Looking to learn more about the management consulting strategy arm in Big 4 - would love to have a chat and ask a few questions.

Thanks!

Jerusalem or Caribbean cruise (round trip out of PR) over the holiday shut down in December? Cost is not a factor, family is paying for it

Do we have a catchy name yet for the Republican super spreader event? If not, may I propose “The Red Vetting”

Has anyone been through a situation that you were in a terrible relationship ( stress,anger, fights, swears, physical abuse, ego clashes) and how did you resolve it? Some might have worked on and stayed in the relationship and some might have broken up. I am looking for answers from both sides. How did you stay/work on it and how did you break up and move on? Me and my partner have strong feelings for eachother and are almost inseparable despite going through so much.

Do you believe in ghosts or supernatural power? Have you ever had experiences with anything trying to connect with you in a subtle way?

Gorgeous night, 36/m, anyone want to meet for a drink?

Upvote if you're from Belgium and need to create stuff that work in 3 f*cking languages for less than 12.000.000 people 🇧🇪

I exited to FAANG from big4 and part of me is seriously thinking about getting an mba to go to mbb. Does that make any sense?

Hi All,

Looking for job change. Currently working as an operations Manager and carrying 10.5 years of experience in OTC and P2P.

Please help to get good options in Delhi/NCR and Jaipur.

We lost an interim payment application for a client who has Steven Johnson's disease from a negligent prescription

Disappointed we lost

Hi everyone,
I got an offer from a company which is in Yerwada Commerce Zone and i am from Ravet ( Pimpri Chinchwad). And there is only one way cab provided from the company.

Please help how to reach here without any hussle. If there any shuttle services which is trusted. Please please help me very much in stress.

You work on a pitch. Lots of your work goes into the deck. Agency wins business. Work for the brand you helped win is secretly given to other teams. Should I be angry? Or is this just how it goes?

Hello fishes,


Got an offer from Mphasis. Should i accept it right away or can i wait for a counter offer from another company?(it is under discussion currently)
Or
Accept it now and discuss negotiations later?

Its written in Mphasis offer letter that i can endorse the acceptance before the date of joining.

Please suggest.

Reposting this:
Has anyone ever worked in Bytedance/ Amazon (APAC)? How’s the culture like and are the compensation package competitive?

Going through couple interviews with both companies at the moment, unsure which is the better company to work in.

What do you want to do when you reach FI?

Should I be reducing my contribution to my 401k at the moment? Based on the drastic 🐻 market?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Landed a contract role at Deloitte via MBO Partners for an audit senior role. MBO is making me a W-2 employee for MBO, but I am getting paid $125/hour plus overtime. Am I missing something here or am I about to be making $5K/week (or more with OT)? Anyone have any experience with MBO or doing contract work like this? Obviously way more than I'd make if I stayed at KPMG for busy season.

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”

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)

How badly is inflation affecting you? I went to the mall the other night and it looks like consumers are going on a usual.

As an investor, do you choose longer or shorter amortization periods when paying off your mortgage and why? Will return on investment be higher if the amortization period is longer?

What's a good balance between types of investments for an average risk person (e.g. % real estate, % stocks/market, %government bonds, etc)?

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

260K base HHI and no debt. What is the max you would spend on housing? Take home is $11,000 after maxing out all tax-advantaged accounts. I was thinking $4000 a month, but not sure if it is too aggressive.

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

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?

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

Advice and tips for a first time rental property investor?

I am 24 saving up for my first property to purchase at the end of 2021 / early 2022 in the Long Island, NY area.

I’d like to save up around $50K in my HYSA for a property <$400K in LI. Does this sound reasonable?

Does anyone have any advice on investing in the LI area (best location, SFH v MFH) or just general first time rental property buying advice?

Thanks all

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?

Anyone know of a good cross-border US/UK financial fiduciary?

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?