Just got new job making 115k (23 yrs old). Is there anything wrong with maxing 401k every year? Currently max 401k, then 50% of paycheck into fidelity index funds, low financial literacy

Hi Fishes/Seniors,
This will be the first time I will be in tax slab.
I have few queries can anyone please help me regarding this.
In ELSS mutual the total we can save save tax is 1.5lakh. Do we need to invest yearly 1.5 lakh yearly to save tax? I am planning to have a Sip of 5000 monthly for 3 years. So total money invested in 3 years will be around 60000 * 3 = 180000.
Will that be sufficient to save tax or Do I need to have a sip of 12000 per month to save tax.

I am expecting an offer from Master Card for Senior Software Engineer position in O Fallon MO. Please let me know what kind of base salary I can expect with 11 yrs experience . I don’t wanna undersell but also trying to avoid being aggressive but quote a decent number which will be achievable. Any suggestions will be appreciated. Is 125k $ base a fair value for or I can pitch higher? They have a 15 to 20 % bonus on top of base pay and a 10% match on 401k which the recruiter keep highlighting.

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

What are the benefits if I join SG before October? Will I get default yearly hike?

And their cycle is jan to dec or some other months

What's a reasonable average amount for basic cost living in LA (housing, food, transport, phone, internet..) for more context : single, would like to live in an independent studio in a nice area.

What is your favorite part about being a realtor?

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

Hi fishes, I want to submit broadband connection reimbursement request via Global Claim System GCS. Is there any chances of background varification regarding the broadband bills??
Thanks in advance.

Best non-travel credit cards? I have Chase Marriott and SW but looking at best value cards during Covid. Esp Amexes. TIA!!!

Incoming MBA, I have my tuition paid for and rent covered (I will be an RA). So the only thing I need to pay for is food and entertainment. Do you think 20k is enough to last me through the 2 years? I will make a little money interning in the summer, so that would be a safety valve if I blow through the 20k.

Or… should I take a small loan?

Hi 🐠. I have a sibling that recently emigrated to Toronto and trying to land into healthcare consulting. Her background: MD degree, PhD in public health and currently doing diploma in cybersecurity. All of her degrees are from Asia. She has mostly spent her career as an academic in Asia and has extensive research and publications in public health. Any suggestions on what types of opportunities exist for her in Toronto?

What are some employee benefits provided by Wells Fargo?

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.

I forgot to pre clear a trade for an ETF this is first a time violation I’m In serious trouble?

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

Do we have option to include stock in salary structure in FIS to save income tax?

What is your top stock trading platform? I use Ally invest and Robinhood. Not happy with both. Looking for a platform with low fees, fractional shares and solid analytics. Thanks in advance

Q for single income family with stay-at-home parent in SoCal: how much money do you make that allows your wife/husband to stay home? Do they plan on going back to work when the kids are a certain age?

So overworked that I've got no motivation to pull an all nighter, someone please motivate me!

Has anyone been fired? How’d you bounce back? How did you approach it when applying for new jobs? I’m legitimately worried I’ll be fired and could use some advice.

Hello Folks,

I am really depressed, am the elder child of my family serving notice period and looking forward for financial growth and personal growth as well.
I am really passionate about my career and looking for Accounts receivable profile. I have 3.5 years of experience and having end to end knowledge of #O2C domain can join from 9th of June.

Kindly consider my profile.
It would be grateful,If anybody can refer.

Thanks in advance.

How do you stay motivated in an industry that is seemingly unimportant when put into perspective of other macro cultural trends and world events?

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

Is your company currently attending in person career fairs or virtual?

IBM GBS or IBM ISL is good?

Have been offered 07B grade in ibm..
Wat will be the roles and responsibilities.?
Stack : Oracle ERP
YOE : 7.5

Hello Folks,
I wanted to know about ServiceNow competency in IBM .. how’s it in IBM when compared to CTS or Infosys as am from CTS

Any thoughts of investing in gold or gold related instruments?

@LTIMindtree is offering me onsite opportunity but asking me to work in India 6 months before they actually send me on-site. Is that how it goes ? Also what would be the salary in this case? If anyone has idea it would be great.

What is Cognizant Metamorphizant Event ?

Advice on taking and passing the SPHR exam?

After COVID crisis how can I get an idea of average salary of Global Sales Director in Dubai vs. cost of living?

My home had some water damage last year (water heater was leaking), so I had to do some repairs and took care of most of the work myself. If I refi, will my home have to pass an inspection?

For those that just got mid year promo, happy/unhappy? % increase, level, etc.?

Who’s a better paymaster - Deloitte or EY Consulting? Looking for YoY growth assuming business does equally well at both the firms. Thanks!! Looking fwd to your wisdom fellow 🐡

Has anyone used fundrise? What are your thoughts? Is it worth checking out?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Any thoughts of investing in gold or gold related instruments?

At a high level, what is a better way to maximize returns?

File all 12 months in NY or
file a few months in PA and remaining months in NY (about 9)

I was in PA for a bit during the pandemic

How do people increase their credit score? Mine’s only around 790/770 for transunion/equifax respectively and its been like that for a while now. I have 100% payment rate, only 3% credit utilization, and 0 hard inquiries for the past 6 months or so. So far I only have credit cards, no loans yet. Thanks in advanced!

Real Talk: it’s time to sell our $TSLA right? No way this is sustainable...?

Fav intl ETFs?

Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

I view fishbowl posts about individuals making 100k to 200k a year, would you mind sharing your experience and resilience on what you do and how you worked hard to get where you are today?

Ok, I haven’t done an HSA previously, but considering it for my family during this next open enrollment. What do I need to know about high deductible plans? How do y’all feel about the HSA - any downsides? I’m honestly a little worried about the higher OOP costs, but we’re also not significant users/consumers of healthcare, knock on wood. Anyone regret it and go back to a normal PPO/POS insurance?

Best HYSA with a good account opening bonus?

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.

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

HELP!
If I sell a mutual fund (aciex) to buy an etf (splg) in my Roth IRA account, do I have to pay tax on the sale when filing next year? How does this work? TIA!

Anyone have experience with or recs for a good moving / shipping company? Trying to gauge typical cost, have about 5 furniture items to ship between states (7h driving distance) and would like them to load / unload. Thanks!

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?