Looking for a soundboard.
Expecting parent, 35yo, NW of $1.2M with investment property in my hometown in Europe near family & friends (mortgage is less than $1k). Current expenses in Bay Area is 5K a month, probably more once baby comes.
Thinking of leaving Bay Area in 2 years and semi-retire for a few years in Europe, focusing on parenting and freelancing.
Any thoughts on this plan? Anything I should be aware of?
Thanks!

How does one get into trading from positions elsewhere in the bank? What would impress you most about candidates attempting to do so?

Would ETH be the next BTC?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

I have savings of 5 lac INR and want to invest it somewhere. What should I choose?

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

Not law quite law related but I could use some input: anyone have any luck negotiating lease pricing with a corporate landlord? I originally signed and got covid pricing and now they want to hit me with a 17% increase bc of inflation 🙃

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

Hi All,

Is $75kpa enough for two in USA, Georgia, Duluth?

I think post tax deductions I should get around 4.5k per month.

Please advice.

Current CTC is 14.2lpa.
However I have a 9 yoe and current stack is GCP, Python,Airflow etc for data engineer.
If i switch chances are I can get a 20lpa+.

My wife is not working and we plan to have a baby next year.

Please advice.

Does it take 3 quarters of the year to reach 3% (tier 3) interest rate at HMBradley? If so, does it make sense to deposit a large chunk of fund until I reach tier 3?

Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

planning to sell my 2 BHK flat in Rahatani , near kokane chowk..if anyone interested ping me so can share the details. Thanks!

How much stock do you put on benefits? I have two offers with stark differences in benefits. Job 1: role I want, but benefit sucks (2 weeks paternity leave, 20% coinsurance). Job 2: role is okay but higher level and great benefits (16 weeks paternity, 0% coinsurance, 5 more days of vacation). Total comp is the same though. I wonder if I should just focus on role but Job 2 is a large company, so I can move around after 2-3 years I’d expect. Thoughts?

How's Manor as a city in terms of buying a single-family home: school-wise, future price appreciation of houses etc ..?

Looking for investors to get in on business ventures in cannabis. Financial diligence is solid while highly conservative. Investments are low entry points. If interested text me at 510.304.8491

How did you tell your manager you’re pregnant? Did it affect pay/promos? And then, subsequently, how did you start letting colleagues know you’re pregnant? Feels awkward to just randomly drop the news in a meeting! I work remotely so it’s hard to tell by video :) I’m 21 weeks and feel like I’ve waited as long as I can to at least notify my manager. I was waiting to negotiate my salary for next year but per company trend that doesn’t get set until January (manager reviews are written in Dec).

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

Will Amex restricting guess access for Centurion Lounge actually make any difference?

I can see short term changes but the way Amex has been aggressively marketing Platinum card, we just will have overcrowding of primary card holders 🤷🏻‍♂️

What's next, everyone has to spend min. 50k a year to get Centurion lounge access or pay per visit.

I was paid a retention bonus last year which I have to return - couple of questions: Will I get a corrected W2 ? If yes, how much time does it generally to generate a corrected W2? Should I wait for corrected W2 to file the return ? (with the current comp - I owe taxes however with the W2C - I will probably not..) thoughts??

South End: 1 Room in 2bd/1ba; 1-yr lease; May Move-in (Later Negotiable); $1,300/mo; <5 min from BMC, BU Med/Dental--PM/DM/Chat if interested!

A creative team I started working with recently has decided to ignore my every comment. They take feedback from anyone else but me, and whenever I push them to make said changes, they just pick fights and make snarky comments. Anyone have any idea why this might be?

Is Bain done with exp hiring? Was thinking of applying for an AC role but recent posts seem to indicate Bain has wrapped up exp hiring

Do MBB firms usually give temporary accommodation to look for a place for people relocating from outside?

Does anyone know if in a dissolution of a 50/50 split-interest LLC goodwill can be attributed solely to one member such that that member gets more than his 50% distribution?

how can i get hearts on this

Nyc family office associate comp expectations? They manage about $5B

Any Chinese/East Asians here?

Hi Folks, salary credited?

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

I have been working as a product support engineer in Bangalore for the last 2 years, I'm getting 6lk per annum and searching for a job with a decent salary,over all YOE 10 please suggest to me if there any openings in your circle.

Thanks

Would you mind helping an art director who also lectures in art direction schools please: what has been the most exciting or memorable or useful lecture in your Art Direction school/course as students? I want to give real value they can spend professionally and not blah blah, so I am interested in what you people have considered a valuable input.
Please no suggestions like "Change your studies until it's too late" (because I have already done that lesson haha --and they are still there)

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?

Guys, When you match/accept requests/ start talking to a girl and go MIA is it becoz you have multiple options? Would the world be not better if you just said yes or no and close the convo instead of

Is digital marketing as reputable as tech jobs? What should be the salary range for 9 years of experience?

Hi everyone! I’m currently open to a new role after working for 5 years at my agency. Most of my work at the agency has involved management, community engagement, data analysis, communications, and visual design.

I’m curious about trying something new, but feel a bit directionless. Any advice on what could potentially be of interest?

Sooo AMC.. who’s in?

😂

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

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?

the more I want something, the harder it is to achieve. anyone has this feeling also?

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Listening to Rich Dad Poor Dad and I keep expecting every story to end “and then everyone clapped” 🙄

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

Decided to payoff my mortgage.

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

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)

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Want to make investments but the market has been going up. Any advice on whether I should wait for a dip or just go in. Newbie here so looking for perspectives