Me and my wife together earn 3lakh per month and we are saving around 1 lakh a month and 50k home loan emi (almost 70 percent principal).

Rest 1.5 Lakh we are spending in rent, lifestyle, and shopping. I feel we are spending too much and I could save at least 50k more.

Any advice?

I don't want to ask the Mck recruiter more questions. Can someone explain the differences in the Profit Sharing Retirement Plan and the Money Purchase Pension Plan? Does Mck contribute to both?

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.

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

Other than a Tesla, what make and model has the best acceleration per dollar?

Why are the other cryptos not skyrocketing? Will Ethereum ever rise like Bitcoin has risen?

New homeowner here, purchased title insurance at closing (required by lender). This isn't something I need to pay to renew right?

I need help from an accountant or a financial analyst. I need to compare fed vs private company retirement and help me create a retirement plan. I will pay for the services. Thank you

Can I ask at what age people are typically buying their homes here in LA? Wondering at what age people are able to take the plunge.

During benefits selection this year , I chose HSA for the first time and I am informed that my account is opened today. While registering on Fidelity, I am asked to chose between FDRXX/FDIC .I would want to chose from available options and invest money. Which option I should be choosing of both ? Also if I can’t chose options on fidelity, what should I do about it ? My firm opts only for Fidelity unless I’m wrong . Happy holidays . Thanks in advance

Would you prepay your mortgage (2.75%) or invest? Would you refinance 15 year or 30yr? I understand that over a long run, you can invest the difference and increase wealth. But it generally takes 10+ years to break even. What’s your reason NOT to do the 30yr mortgage?

What’s happening with the Chinese stocks? Do you think it’ll continue going down or will it go back up?

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 ?

Anyone with a leased car move from NJ to other states? If yes, could you please help me understand the process to get sales tax refund from NJ? Thanks in advance!

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

Can I receive rent on H1? How can that be accounted towards the end of the FY?

Anyone have any intel on who led the last review for Wolf/ sub zero? Shot in the dark here for some intel.

Hi Everyone, I’m looking for advice. Right now I’m currently facing a hard decision. I’ve been at my work for 5 months as an HR assistant and have been given the opportunity to take on the Executive Assistant role. I’m in my early 20’s and still unsure what career path I want to take. I know I want to keep moving up and doing more but again, not sure where I want to be. I’d appreciate your thoughts and advice from your experiences along with pros/cons on either position. Anything would help!

Hello!
I am new here and would love to get some likes, so I can DM people. Thanks :)

Do TCS give a counter offer if an associate resigns???

If I move to the Bay Area from Austin, are there any major negatives that will be really hard for me?

What’s big law like in San Francisco? Anyone have any insights to firm cultures or billable targets?

To sleep or not to sleep? That is the question... that I’m contemplating right now. At what point is sleep the better choice in the middle of a very busy week? Will I be more productive tomorrow if I call it quits and actually get a full 8 hours tonight? Or do I keep churning out half-assed work product until the wee hours of the night in hopes of catching up, since I’m already two days behind where I need to be?

A first year asked me today how to maintain wlb to make the job work long term. Oh you sweet summer child.

Now entering my third week of no booze, after getting horribly and embarrassingly wasted at my work summer party. I won't lie, even though I find myself wanting a drink often, it feels really good.

Anyone online now that’s on a Southern Hemisphere island? Would like to just fish for a few minutes to see what different fish I can get.

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Any thoughts on living in the area around Madison and Morgan? Looking at an apartment there. That area seems pretty cool and not far from the heart of Fulton. Wanted to get other peoples opinions before moving forward with this place

I got reprimanded by a man for having an uninspired point of view of a conference call. He then gave me his inspired POV...which was exactly the same. When I pointed that out he said, “huh. Maybe.”

Anyone knows, when are appraisals gonna be out ?

Looking for a husband 🤣

Feel free to ask any personal finance related questions here, from equity investment to CC offers. There’s nothing called silly questions, we have some excellent peers in the group to answer it.

Best app to track expenses?

I feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

Hey, i am looking to invest 25-40k where i can easily make 7-12% of return. I am looking for things like rd which have very low risk appetite. I will be using this collected amount to invest in stock market when stocks are made available at very cheap prices...

Hello guys,

How much % of salary do you save?

While mentioning %, please let us know if you are married/unmarried, pay rent or not.

Just want to know if 70% is enough for a single man who does not pay rent. Or am I saving less money?

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Can any one tell me, how to invest in quant mutual fund through it's website?

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

So the National Consumer Helpline really works.
I had filed a complaint against Goibibo, who delayed my flight cancellation request until 1 day before departure hence the airline charged a higher cancellation amount.

A friend of mine introduced me to the portal when I filed a complaint explaining the matter in detail, uploading Twitter DM screenshots, where the company was clearly denying responsibilities on the above.

Took 2 months but today my refund was initiated by Goibibo.

Hello everyone, need a help from you.

Previously my HRA amount was 96000 per annum so I was submitting a rental agreement of full hra without giving pan card details of myself and first party.

Now I have recently joined a new company and here hra is 2.7LPA.

How can I claim the full hra amount? I live in a rented house where agreement is between owner and my dad. Also owner will not accept for a fake agreement too.

Any other alternative do I have to claim HRA? Your inputs are welcome here

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Hello Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Is it possible to have zero tax with 13.5 lpa with the following tax benfits ?
80C 1.5 lpa , 80 CCD(2) NPS 50k ,
Home loan 2 lpa.

Guys, I need your expert suggestions. All figures are in INR
I am living in Europe with my wife. We both are earning.We save around 4.5 to 5 lakhs every month based on exchange rate. We have SIPs of around 60k. Please help me to invest my savings. Apart from mutual fund SIPs I don't know much.

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide