Looking for generic advice: If I am right at the Roth IRA income threshold, would you guys recommend maxing out 401k first? Or setup the “backdoor roth”?

Any particular investment group would you recommend? Online research leads to fidelity as a good option for both HSA investment and Roth.

Tyia!

Hey friends. My wife and I are looking to start investing in the market outside of our 401ks, hsa etc. We opened a Charles Schwab brokerage account and planning to transfer 2-3k/mo. We’re in our late 20s/early 30 and likely won’t need to touch the money for 10+ years. What should be our investment strategy? How should we allocate to what funds? Thinking of splitting evenly across large, mid, small caps, and growth, value funds using DCA.

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

Can't register for binance or bittrex 😮

Looking for a great realtor with knowledge of East Austin. Any recs?

Given the hot sellers market, do you guys think I should plan to sell my house on my own (private) vs get an agent? Want to minimize closing costs/fees. Thanks!

Renting a car vs buying, which is better in India?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Brand new into my career and I’m trying to juggle wanting to max my 401k, Roth IRA, and HSA, while also saving for a down payment on a house! I realize that with my current salary ($78k) doing all this is too ambitious. Any advice on streamlining my priorities and which ones I should give up on for right now? If anyone else has gone through something similar early in their career what did you do?

Who wants to be a millionaire?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

I’m in my late 20s and struggling to find inspiration of what I want to do with my career/ life. Anyone have any good book or movie recommendations that inspired them during a similar time?

Is it possible for someone with anxiety to have a career at MBB? Anyone currently in this situation? How do you cope?

How much salary range for full stack developer?

Yoe - 9 Yrs
React Js , node js, express .

My current CTC - 18 L

Who here has Kindergartners and is stressing about getting ready for graduation? What are your themes/what are you doing?

At work I tend to eat just to eat. Any advice on how to break the habit?

Would you recommend Sedona during Christmas or San Diego during Christmas with a 1.5 year old? Entertainment, safety, meaningful experience-focused.

Sedona will be much colder, possibly snowing/icy and will be hiking, hot tub, enjoying the scenery focused. San Diego will be beach, enjoying scenery focused. Both Airbnb options look beautiful. Will also have 60 year old grandparents joining

Hi all,
Please help me with referrals for Investment Banks like Morgan Stanley, Goldman Sachs, JP Morgan. I have 3+ years of experience. DM or comment to connect. Thanks!

Gay man who works in a large org that is big on diversity and inclusion efforts. I’d say about 50-60% of people (at all levels, across all age groups and races) list their gender pronouns in email signature. I list mine because I see it as a way to show support for colleagues who may not be cisgender. If anyone else works in the same type of environment, do you infer anything about colleagues who choose not to list their gender pronouns? (such as they are homo/trans phobic?)

Are there any good books to read from a start up perspective? I’ve reading the lean start up but would like some other recommendations

Hi Fishes,

I have applied to one of the roles about 10 days back and I didn't recieve any calls regarding my screening or interview.

Can someone tell me how many days does it take for the initial screening to happen after applying.

Also, how much time will it take for all the process to happen ( screening + interview + final discussion).

Thanks in advance

Hii Fishes!!
I am currently working as a Module Lead QA with 5 year of experience. I am into manual web application testing including API testing and SQL knowledge
Can you guyz please suggest what salary should I expect from Indian market these days. Also what is the required set of skill at this stage?

I work for Barclays with close to 4 years of experience in HOGAN mainframe.

My current is 8lpa(joined Barclays with this offer)

How much % appraisal can I expect?

Please folks any inputs

Who’s getting a bivalent?

I've been a dental assistant for 11 years , and I think I'm done . I feel the pay is never enough and 9/10 we do the most work in the office . It's never commensurate to what we do and no matter how much experience you have your still 3-5$ more than someone fresh out of school . It's a skill I'm glad to know that I can always find work but the burnout for nothing isn't worth it. Can anyone relate

D gave me a retention bonus just big enough to cover my sign-on, it’s like they’re encouraging me to go on a job search 🤣

Any Canadian consultants tried exiting to US roles (outside consulting) via Mgmt Consultant TN - did you have success or failure?

Any advice for someone aspiring to that route?

Good night ET. If you're PST and up for a chat...


PS:
Thick chicks only.

CSM in Adtech, looking for comparable salaries in tech space for CS/CX

- 10 years experience
- 2 years in current CS role with enterprise accounts
- Operations lead / Ops experience promotion
- Remote

Question about what to do next. I’ve maxed out everything—401k, HSA, IRA, backdoor Roth 401k. My bills are all paid. I’ll probably make about 16,500 more this year to do stuff with (ie money that isn’t going to taxes or insurance or anything). What should I do with it? Crypto? Set it on fire? Get a hair transplant?

Best long term investment strategy against inflation to get to a large nest in for retirement?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

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

Does anyone have any inspiration stores of FIRE without an incredibly high income/family financial support. Looking for hope 😅

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

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

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

Do you count your car as part of your NW on Mint/other trackers?

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

Pushing out my retirement date... Crypto down 60%, stocks down 30%.. I was a millionaire in Jan now only a 750kaire lolz. Just numbers on a sheet keep rolling

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Does anyone use yieldstreet or crowdstreet for real estate investment?