Moving from a miserable IB job for a small pay cut, but I can now actively trade without compliance giving me trouble. After rent & taxes, I’ve got about 10k per month to save; what’s the best asset allocation / distribution for a 24 year old who has a longish horizon and average risk tolerance?

100% return on Square (SQ) in one month. Don’t touch it, or sell half and let it ride?

Is there a reason to have both the Bonvoy Brilliant and Boundless? I have 2 spots left under 5/24 and wanted to use them for hotel cards after getting the Chase Trifecta. Was planning on getting World of Hyatt and IHG, and then breaking into Marriott with the Brilliant, but wondering if I should replace IHG with Boundless and also get Brilliant.

Need one urgent suggestion. My rent owner is providing PAN of his wife although the flat isn't on her name and I paid the rent on owner's account. The rent is approx 25k per month so 3 lacs per year. Will it land in to any trouble during ITR? Please suggest. TIA

Available 2BHK unfurnished for family at Kharadi Bypass.

Reason: Moving out due to job change

Base salary is $220k and I’m contributing 10% to 401k. Pwc also contributes 6% to my wealth builder. So I’m savings 16%, currently 35k a year towards retirement.
Current balance is $150k and I’m 31. At 4% growth that’s $2.3m by retirement.

Is this enough to live a basic lifestyle with an owned house in NY in retirement?

What is the BA continuum allowance , can we get that money in our monthly salary and this BA continuum allowance have tax exemption?

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

Looking to buy a condo or townhouse in downtown or midtown. Confused which option may be better. I am concerned of sudden loss of equity if market crashes; which one is a safer option. Any good realtor recommendations feel free to share or DM me HHI ~500k Max down payment 225k

Anyone a second gen immigrant whose parents sacrificed a lot for your opportunities? I want to be able to pay my parents back in some way...

Don’t feel like I should invest the max in my 401k to be honest as I’m young (26) and plan on retiring no later than 45-50 years old which I would need money in a non retirement account to live off a bit apart from my rental properties (only have 1 for now)

I need to maximize my savings next year. Any tips for solid investments?

Gibts es bei euch für das Jahr 2023 eine Gehaltserhöhung zwecks Inflation? Falls ja, wie hoch ist die?

Just bought my first ETH (figured it was less risky than continuing to hold a silver option through the summer) and plan a 4+ year hold. Am I crazy to think $1,500-$2,000 could actually be the bear market low? I was scared of getting into ETH for so long cuz I was late to the party but I’m beyond confident that BTC won’t dip below $20-30K in a bear market (outside of a black swan mega-FUD event) and ETH hovers around $2K when BTC is $30K so maybe it’s a sign. Thoughts?

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?

Do you need to do anything to receive the 10k forgiveness, or is it automatically applied based on your income and circumstances?

I’d like to be able to make a one-time, lump sum payment, and exchange opt out of social security.

How do I go about getting a car loan so I can walk into a dealer with the loan already secure, but I don’t know the final selling price of the car? I want to lock in an interest rate now, so kinda “pre-approve” myself for the maximum amount I want to spend, but I will likely not actually spend that much to buy the car. I.e locking in a interest rate for $45k/60mo now, but might only use $35k at time of purchase.

I just invested 100k into ethereum and doubled my position! Anyone have a good reason it won’t go up?

Tech has dipped a good amount this month ever since the rotation into value. Is this a good time to slowly accumulate tech holdings (FB, Microsoft, Apple to be specific)?

Director of PR job posts… looking for 2-4 years of experience. Who wants to tell the job posters that 2-4 YOE does not equal a director of PR.

Is one drink at night Monday - Thursday a lot?

Insights on Cohn? And how about their cohnnabis division?

How's the probation period policy at SAP? Under what circumstances do they ask people to leave?

Anyone work at BAL in NY? How is it? Culture, comp?

SA and M - missing your daily uplifting posts! Hope you’re both well!

Hi all , can anyone please tell me where pwc hyd is allowing employes to work from office voluntarly ? At present

Any coders here? Does anyone happen to have the AAPC study guide for 2022 and would be willing to sell? Thank you in advance

Anyone noticed the dip in the market and is tempted to sell at this point? My advice is HODL. History always repeats itself. The market will come back up and if you sell you will lose. This is the time to buy not sell. Let’s go 🚀

Hi All,

EPAM system - 12 LPA + 2 L joining bonus
ALTIMETRIK -13 LPA + 1L joining

Which one to choose pour your ideas?

Is a 110k salary fair for UX Designer in a f-500 organization with the following responsibilities:

Wear many hats in UX, for 7 separate digital products
Flows/Logical solutions for the business
Manage entire design system for the 7 products
Do UI design for the 7 products
Provide spec work for dev teams for each product
Random graphic design requests
Lead a team of 3 designers
Do manager role to organize the work under agile design sprints with Jira boards (daily scrum, refinement, grooming)

I have two bosses. One boss is usually very kind to me but has told me twice that the other boss thought I wasn’t fit for the job they hired me for. I don’t know how to react.

NYC-area PI lawyers, who do you think is the best plaintiff-side lawyer or firm in the area? Who would you want to handle a major PI or product case for a friend? (Assuming, of course, that you couldn't handle it yourself.)

What would be the average hike for getting promoted from an A Con to Con in KGS? Taking into consideration the yearly appraisal too. Is it
X% (Promotion) + Y% (Year End - 2nd Rating assuming) OR JUST X%.

Is being a white male in PA an issue or are they being discriminated against? Overheard a few guys with their office doors open talking about this! I dont see it but curious about what others think.

How to transition from Product Manager to Venture Capitalist (VC) ?
Any insights or real experience ?

How do you fire your financial advisor? We've used him for two years and the cost doesn't justify the work he does. We tried to fire him last year, but we weren't successful.

What’s a good budget for a king size mattress? $160k salary if relevant.

Don’t feel like I should invest the max in my 401k to be honest as I’m young (26) and plan on retiring no later than 45-50 years old which I would need money in a non retirement account to live off a bit apart from my rental properties (only have 1 for now)

Digital nomads? I have enough for coastfire and was thinking of bouncing around and teaching English online to stay afloat. Opinions?

Does it still make sense to purchase rental properties in HCOL markets like LA? I was passively looking before the pandemic, but it seems like things have gotten pretty insane. Lot of properties just won’t cash flow.

I am in my early 40's and have about $300K invested and some in cash. I have $70K in credit card debt (no lavish lifestyle, just 2 bouts of unemployment and some major medical expenses, even after insurance).

I live below my means, LCOL city, used car, max my 401K, save my bonuses, etc.

I am going to get a large bonus where after tax, I'll get a couple hundred thousand.

Should I prioritize pay off all credit cards or pay down half/some of the cards and use the rest for a house down payment?

Unpopular opinion: the FIRE community is contributing to an unhealthy workaholic culture as we forestall healthy work-life balance in favor of reaching our “FIRE” numbers a few years earlier. As a result, work culture is becoming all the more intolerable as the bold few would-be advocates for work-life balance are sucked headfirst into the rat race, and no one is left to fix things from the inside.

Society overall would be better served by a more community-minded approach to work-life balance.

I’m going to be borrowing $100k from a family member for a real estate venture. We want to tie the interest payment to an inflation index. Any recommendations on publicly available indexes to use? I thought CPI-U but that’s not really a valid index for RE.

Friends I’d love some help- Finally had a transparent convo w my parents about their finances. They were hit very hard in 2008 in their mid 50s, have recovered a bit but now they’re 65+ and need some advice. They have roughly $250k home equity (and ~$230k mortgage at 3.1%). $90k cash. Then $250-300k in IRA (80/20 equities/fixed income). Get ~$4k/month combined social security. No long term care insurance. Use Medicare + pay $250/month for supplemental health care. Cont in comments

Joining a startup without a traditional 401k (not US based). Are there any other equity investing options besides IRA and standard brokerage contributions?

Anybody know any good books/sources on couples finance or balancing financial mentalities? I have a personal finance mentality or character that is save as much as possible, spend as little on myself as possible, spend mainly on things that could appreciate in value. Whereas my gf is all about treating oneself, and living very comfortably, even if it is not sustainable. It doesn't help as well that I make 3-4x what she makes. Its hard to balance these two mentalities

Curious about net worth milestones. How long did it take you to go from 100k - 1m? What was your “story” (income/savings rate/asset allocation)? I realize many probably achieved this in the bull market we’ve been in, but still curious.

Live in HCOL city with 2 kids. Have been rentvesting in smaller lower cost cities and getting good yield, moderate growth. Property is ridiculously priced in my city, can’t get anything for under $1.8-2.2mil and don’t have much of a deposit. but rents are going up too. Does it make sense to continue rentvesting? We will have to stay in this city for kids education for next 12 years….

I think somebody shared the Reddit forum that is related to saving money in subscriptions in this bowl. Can somebody help me find that forum?

Hey all!
Me and my spouse are in our mid 30s and current HHI is $250K. I'm making 200K, my spouse is making 50K.
I'm new to FIRE concepts. We currently live in LCOL and have 24K/year debt.
Where should we start saving/investing? Both have awesome credit scores, but no significant savings due to coming from very poor countries/families and just last year we're able to change our lives.

I would appreciate any guidance/help on how to best prepare for our future.

Should i be paying down my mortgage fast, or aggressively investing instead? My salary is 200k, my mortgage is 1700 but I pay 3000. I’m in big law (second year) and not sure how long I can last in this job, so that is why i was trying to pay my home off as much as possible (it cost 350k, i have 315k remaining on the balance)