I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Is Bitcoin about to fall below 30k or rally back above 40k. Vote below 🔮

Recently joined and maybe a long shot: does anyone have insight or advice for condo buying in FT Lauderdale? Realtor and area recommendations?
This will be my secondary property until I can shift residency. Early 40s single. Looking at las olas condos at the moment. Thanks!

Can wife claim husbands PAN for HRA? Flat is in the name of husband

So what’s everyone buying? I just got me some ETH, ALGO and GRT.

Is only long debt debt considered in the cost of debt for WACC or do other short term liabilities matter as well?

I’ve been in a relationship now for two years. We are living together. We talk about the future etc. I could easily see myself marrying her. However, I have an issue… cont

Hi i lost majority of my money in the stock market. I married and promised my family that I will not make the mistake I made 7 years ago. Gambling. Is this an addiction I have. I keep selling stocks and taking loses buying other stock hoping it will recover but never did and sell again taking loses and buy again. It now sink in to me. I borrow personal loan hoping that the market will do k and I pay it back but I even lost that. I can't stop crying that I hurt the one I love the most my family.

People with tiny kids (baby/toddler), how are you coping/entertaining your little buggers? Ours is turning 1 very soon and we have a push trike in the mail, but thinking of inside activities too.

Roth vs Traditional 401k, thoughts?

I have a boneheaded question I’m pretty sure I know the answer to. My partner can’t use my Hilton Honors account for an upcoming stay he is going to book, right? He doesn’t need my discount or anything - was just hoping that he could get my diamond benefits.

What are the best ways of tax exemption

Best recent healthcare books related to improving our broken system? Atul Gawande’s books are a bit dated now I think.

Just finished An American Sickness again. Thank you!

Hi Nokia folks! need your help. I am thinking of switching from Deloitte USI to Nokia is it a good idea? would you recommend it?
tech: azure data engineer
yoe: 3
What salary range can I expect? Hike and other benefits?
Thank you!

LCSW 50k loan repayment- Has anyone been granted a contract through the National Health Service Corps Loan Repayment Program? I’m interested in applying for the 2 years of full time work as an LCSW but my loans are a bit under 50k so I’m wondering if they would only give me what I need to clear my loans or would I still get 50k as long as I complete my contract ?

How do you manage a long distance relationship? I got engaged 3 months ago and my fiancé and I live in different cities. I just can’t stop thinking about her and feel horrible there on.

What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

Pre-tax 401(k) or after-tax...thoughts?

Looking into credit card, most likely between emirates nbd Bonvoy card or the Emirates offering. Anything better out there? What has been your experience. My understanding is you can convert the emirates points to Bonvoy? Not sure if the same works Bonvoy —> emirates.

Are there any ARD Facilitators in this group?

I worked with a company to build a mobile application and I will be contracting with that same company to maintain the app as we go live. I am expecting to deploy next week. In defining the scope of that contract, what should I be sure is included? Any advice would be great.

I firmly believe leadership makes the difference.

Not only, it highlins each one's value, but especially spreads this value among others.
I'm speaking about life, in a broad sense, which also include work life, but it is not limited to that.

Looking for any kind of suggestion to improve my leadership: books, experiences, attitudes, daily-routine, ...

Thank you!

Chewy TUMS: These look so good but its not clear to me if its halal. How do you determine from these ingredients? Especially when the first ingredient is alcohol ammonium which i know its not alcohol but any clarification on these ingredients would be appreciated!

If I ask my psychiatrist to up my dosage of Xanax will he think I’m abusing it? I take 0.5 in the mornings and sometimes I need it again in the evening after it’s worn off

How is everyone doing? And are you currently working while everything is going on?

In Accenture the leaves will be converted to cash during full and final settlement?

Small Firm Question:
Working PA for the first time this year. Doing a lot of returns right now.

History of my firm: small (7 employees, two interns), was a single CPA show for 20 years. Cont.

Can I put paper and search job.I am not getting any calls as I have notice period of 3 months(My perception). I don’t know what do as all experienced people are serving notice their period and gonna leave in a month. I am getting lot of pressure as I am the only one left in the team.

Experienced hires who have recently joined Big 4, how rough has the transition been?

Really worrying Job security in Cognizant after hearing 36% attrition rate ( volunteer resignation or forced) Is it good decision to join in Cognizant as a Sr associate project role without having prior lead experience My last working day is on this Friday Have offers in hand from Coforge ltd ( Technical analyst role) and Attra infotech (Similar as Technical analyst role) other than Cognizant Tech stack : Mainframe Developer #Urgent #Needhelp

What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

How much does amazon pay for senior technical pm? How does that correlate to deloitte senior manager salary?

What is your toughest challenge hiring someone in their early 20’s?
For lots of different reasons I get the impression that younger people aren’t equipped for the employer, employee relationship.

Pre-tax 401(k) or after-tax...thoughts?

Hi! Would anyone be willing to refer to for a role at baker botts?

Foreign trained lawyer (common law) and just starting bar study. Freaking out. Please tell me it’s possible in the timeframe.

In your opinion which is the best target fund to choose in IRA Roth?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

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

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?

What does 401k mean?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

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.

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

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.

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

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?

Paid off my account debt!

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

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