Manager with a big 4 and finally have enough liquid cash to make some meaningful market investments. I am admittedly a newbie to trading and honestly don’t have a lot of interest in self-managing but would like a brokerage and/or CFP guided account (that understands/can accommodate independence requirements).

Any recommendations on brokerage or service to get started? Looking at Vanguard Personal Advisor service at the moment… Thanks for any advise

Hello to all b4 🐠 - what's your view on the cultural differences between b4 in Australia? Feel free to put down a ranking to your best knowledge, anecdotal or not. Thanks!

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

I was offered a position at fidelity. Now when I trade on behalf of a client, will I get commissions for that trade?

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!!

Is direct lending/private credit technically buy side?

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

Anyone bought ATB coin?

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

I’m going through the interview process with B4 for senior audit position. My salary expecting are around 85k but EY and Deloitte recruiters told me that it was pretty high. Is that true? (Miami location)

Of the big 4 L&E, is it true Fisher Phillips pays the best?

Hi,

I was just wondering if anyone has any tips on what to add to a business plan to self source mortgage leads.

If you were going to be a partner in a national non-big 4 firm, which one would you pick and why?

Anyone have a full-time Big 4 offer (JD/LLM) with a signing bonus in Dallas or similar COL? My recruiter says it’s not negotiable but if I know of someone from a competitor with a higher bonus then she can see what she can do.

Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

For those using voyager, does it take a really long time for deposits to settle? It's been like 1.5 weeks, my cash has been taken out of my bank account a while ago, but voyager still has all my deposits as pending.

I can still trade with the pending deposit, but I'm just wondering since I'll eventually withdraw some.

Thoughts on Jumia stock?

Need help evaluating an offer from Deloitte - SM (experienced hire) $250K base and $65K signon bonus. Is it worth it? 15+ YOE in HCOL.

I’m currently a compliance specialist, I work primarily with Secretary of State in all 50 states and I manage filing and formations of new companies, filing and tracking annual reports, filing amendments, withdrawals, and dissolutions. Are there any companies hiring for this type of work?

Looking for referrals for a Technical Sales Executive position that is Remote (USA), possibly in the industrial sector. Last year I made $109k at AT&T so I'm hoping to at least stay in the same ball park but want a change. I have lots of experience selling IT/telecom, but I also have a Mechanical Engineering background so I'm a good fit for a wide range of technical sales. I have been thinking a role in the industrial sector with a longer sales cycle may be a good fit, can travel up to 25%

Can some one refer me to a position at FIS Global, I have the job ID.

Do OPTUM gives reimbursement for broadband installation?

Are u allowed to be an insurance agent while at PwC

Anyone looking to get in at BDO?
Separately, anyone in the southwest or looking to get to the southwest?

I deeply miss my ex. The breakup was initiated by me 5 years ago because I was scared to commit. Since then, I’ve gotten married and have a daughter. I’m so embarrassed to admit it but I think about my ex everyday. I am so sad that I walked away from him. Life is ok now - I’m thankful for my family but my heart hurts. How do I move on?

Which company to choose? I have offers from Target and Paytm.

Would it be practical to look for an apartment 10-15 kms away if the office location is Marathahalli?
Location of choice would be hebbal, thanisandra, avalahalli and other similar ones.
Would it make sense to reside in such locations and travel to work?
Would like to hear from folk who are/have done the above?

Anyone working for Pill Pack (Amazon) willing to talk to me about their experience?

Hello :) I am moving locally within the Bay Area in couple of weeks and all the movers & packers I am getting quotes from, prefer to be paid in cash (there is a convenience fee with credit card payment). What are the advantages/disadvantages of either method of payment? Thanks :)

I’m entering salary negotiations at a Fortune 500 company and am looking for trustworthy resources for salary data that I can share with the company if they ask where I got my numbers. I know Glassdoor, but what else?

People over 40, what advice (career, financial, relationship) would you give to people in their early 30s? I see people in their 20s asking this for those over 30 so I'm curious 😊

AMA: International Travel (US to Europe) During Coronavirus! I found very little info on this topic before my trip and had a bunch of questions which I wish someone could have helped with. Now, a friend and I both traveled US to Europe in the last week, different routes, in Econ/Biz. For anyone else looking to do the same, I’m happy to answer anything about the process - check in, flights, mask usage, security, visa checks, airports, social distancing, etc.

Where are you buying your kitchen cabinets? Used Ikea in the past but that's clear not going to work right now.

Anyone play fantasy football? Would anyone be interested in a bowl / mini league? I’m guessing there are some good data analysis skills being put to good use out there.

Hi all! I was asked coordinate a local happy hour for my team. The issue I’m having is that I’m currently pregnant and am not sure if I’m comfortable to hang out with strangers. What’s the most professional way to say no without hurting feelings / burning bridges? Or should I suck it up and go?

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?

Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? 

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.

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.

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

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

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?

Anyone here retire in late 30s or know someone that has?

I have $20k student loans and have been paying $1k per month throughout pandemic to lower the balance. Would you continue to do this? I could pay them off, stop payments in hope of debt relief or keep up with current strategy. TIA

Since the fed rate is now zero.. What does thst mean for mortgage rates and savings rates? They gonna plummet to nearly 0%?

Can FIRE be implemented in a high inflationary, modest gdp/capita country like India?

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

How much are your biweekly paychecks after taxes, insurance, 401k contributions, etc. and how much of each paycheck do you tuck into savings?

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way

Learned on the day of the deadline to enroll, that my partner's employer offers voluntary participation on a deferred compensation plan. First time I hear of such a benefit/option after working for years! Any general (i.e. not plan-specific) lessons-learned, gotchas, pointers to offer as we will have to quickly decide to enroll or not?

TIA!

I read these posts and what numbers you have with FIRE. I don’t have nearly that much saved; I am paying for two kids in school (college). What is the minimal amount?

I just hit my lean fire number but am hesitating to pull the trigger, so was hoping to run it by people smarter than me:

- I have a few rentals that bring in ~$1800/mo cash flow, taxes are negligible, Capex incl.
- My paper assets will bring in ~$1200/mo at 3% draw
- I get free Healthcare at the VA
- No plans on kids
- My expenses haven't topped $30k/yr ever
- I could always reenter the workforce if needed (albeit probably not in consulting)

Please point out the flaws here, what am I missing?

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

How are you all going about continuing to buy index funds while everything is literally green and I see people doubling their investment in such a short amount of time. Feel as I am missing so much money that could’ve been made. But VOO goes up 1% :///