My employer isn’t safe harbor and we fail the nondiscrimination testing for 401K each year which results in me getting back roughly 9K of the $19.5K max. I generally end up putting the refund disbursement into my brokerage account. Given that I can only historically contribute $10K to 401K, what would others recommend I do with the $9/9.5K difference other than putting it in a non-tax advantage brokerage account? I already do a backdoor Roth IRA and HSA. Do I have any other options?

Have any of you approached your employer for reimbursement for being asked to use your phone at work? Specifically things like texting your boss while they are in court? I started a new job and am trying to set boundaries but this is one that I cannot set as it is standard practice. In our state, an employer must reimburse you if they direct you to use your personal phone for work. It seems petty, but I’m trying to (rightfully) cash in on something that I would rather not have to do.

Any site that lets you find the best rate available to you for refinancing student loans? Showing all rates for different providers? As opposed to applying to each one individually?

So, I started watching “Limitless” with Chris Hemsworth. Apparently, he found out he carries both genes for dementia which puts him at a higher risk. So the series is about him changing things in his life for longevity. The third episode is about fasting and he fasts for 4 days until the day he has to hunt for his food. Does anyone in healthcare have thoughts on this type of fasting? I know it is done in some cultures and religions, but to what extent?

I'm freelance & just turned 26, do i begrudgingly tie myself down for bennies or do I stay wild & eat the cost of health insurance?

My current employer is offering onsite opportunity in Misssissauga Canada. They are offering 99k Canada $. Is it a good deal for couples and 2 year baby to survive there. What will be the in hand salary there? House rent , groceries and other expenses

Possible to turn SYW points into cash? I only see the option to use points to directly buy items..

Has anyone had a vaginal birth and had their doctor clear them after more than 6 weeks? My company pays 100% of maternity leave if for medical reasons, but the rest is unpaid. Wondering if there is any way I can get more than 6 weeks. After my last kid I didn’t even feel semi normal until 6 months, and I can’t imagine going back to work after 6 weeks. Going to talk to my doctor and not looking to game the system, just genuinely curious.

Fellow Fishbowlers, Looking to go into Recruiting, either in Healthcare or another corporate organization. IF YOU ARE A RECRUITER, can you PLEASE fill me in on the advantages and disadvantages of the role?!? Deeply Appreciate your input!!!

How much money do you spend for insurance every year (how much for health, how much for term, how much for corporate insurance etc)?

I’m 24, got laid off June 29th, (it’s whatever) but I am wanting to get out of my current field in corporate healthcare operations and move into tech or consulting. Consulting I think just fits my personality but my question is more for tech.

I absolutely suck at learning code, all code, SQL, Python, Java…I tried YouTube and always make errors that I don’t know how to fix or correct. Any recommendations for learning how to code so I can get a job in tech? If so, which code should I prioritize.

i have a good circle of friends since elementary school. 7 of us total. We are now in our early 30s. I am the only one not married/have kids. All of them live paycheck to paycheck even with 2 paychecks-barely above poverty. i go on vaction 3 times a year (2 weeks each time) and spend around $25k to 30k on vacation annually. I make $260k and am single. A few times a year my friends would comment how lucky i am to have cash to use on vacations they could only dream of. Conintue below...

Is there any coding program requires MS in Healthcare Management degree so I can use mine and get hired quick?

How much credit card debt do you currently have?

Anyone looking to sell hertz points? I need 2750

Any alt coins with big news in CES? Beecoin seems like a formidable ico to invest in. Kodak warrants are up 3000% today because they announced kodaccoin

Have about 100k to invest. Never done real estate, considering diversifying into this. Not keen on rental property, but ‘hands off’ model. Any suggestions? Any books for beginners you recommend?

Anyone know of any good travel or per diem agencies in California?

Anyone know anything about Barkley’s Boulder office? Is it worth checking out? I’m looking to move to CO and want to stay working at a competitive agency

I am noticing how I feel on a given day is largely determined by how my work is going. A minor bump in a work day ruins my mood and I’m miserable. I understand I can’t have everything right all the time but it feels like I’m not cutting myself a slack. I’d like to change my thinking on this but idk how.

Hi All,
Really need some input. We have our new construction done by April 2023. Builder is giving us 28,000 credits which can be used towards closing cost and buy lock rate for 6 months from now and giving us the interest rate for 6.75% for 30 years from US bank. But I also spoke to credit union they give us 5 ARM for 5.5% but can lock rate in feb 2023. So should go with the US bank with 6.75% plus incentives or wait till feb 2023 and thn lock rates(us bank doesn’t give us ARM rates).

Anyone with a Poshmark or Mercari seller account - throw down some links 😍

Question time! Two part. 1) What dating sites or apps are you on and 2) do you feel like it’s been particularly tough dating in your 30s/40s during COVID, assuming that we probably date (on average) more seriously than 20s peeps? I personally have only been on one date! A zoom one last week.

Quick PM gripe. Does anyone else find it annoying to not get credit for anything? Used to it by now. But sometimes, damn. 🤷🏻‍♀️

Any idea of the salary band for senior manager in IFS (marketing) at PwC?

To those hired during the COVID-WFH era, how have you adjusted to the work, team culture and company culture?

Some background on me, I got my first job outside of college during this wfh era. It was nice in the beginning, but I feel like it’s slowly chipping on my productivity.

Thoughts?

How much did you spend on each recommender gift?

Looking for a new job as Senior Manager in OCM. Any recommendations on places to look?

Hi Fishes,

Can you tell how many rounds does Amazon conduct for leadership principles?

What are you doing with your volatility stocks/calls?
It’s going to get destroyed today.. but are you holding through it?

Interviewing for Deloitte - tech consulting commercial practice. What would be the range for a c2 level consultant with 2.5 years of experience? Any guidance is much appreciated Thank you!

Advice for getting past burn-out.
I’ve been a recruiter for 20 yrs, but am still young. First 10 yrs were Corporate TA; most recent 10 are with Agency. For the majority of my career, I’ve been passionate about my job. I navigated the highs and lows and was always enthusiastic about starting each workday. We recently had leadership changes that affect me negatively…. But my job is still intact. However, I have lost my mojo. Reviewing Recruiter job postings does nothing to inspire me.

Hi all, interested in getting your thoughts about Fundrise.
Is it worth to put your money for 5 years without penalties? It seems RE is doing good even during the pandemic.

Any advice on a side hustle?

Would you invest in real estate in Miami - as a pure financial move - despite the sea level rise?

Which fund should I pick for my i401k? MF equivalent of VTI, VOO? Something else? Leaning to these over target yr. funds for lower fees. I'm 40, planning to set it and forget it.

Don’t laugh. Trying to educate myself on crypto. The technicalities of it make my eyes cross. What sites do you read to better understand it?

This whole oil ordeal seems a bit odd...there’s definitely a strategy behind it all. Why keep producing oil at the same rate when they know their is no demand for it at the moment 🤔

Any tips for buying a house for thr first time? I plan to put down 20% right now just casually browsing Zillow every day

Home buyers please set the record straight. Is 0% down even a thing to consider when buying a home? I know when you pay a low % down on you need PMI. Is there ever a case to do that?

After 401k employer match, having a 3-6 month emergency fund and maxing out your roth IRA, where would you put your money next?

Have my Roth IRA in a high growth mutual fund. While it’s all rosy in a bull market, what happens when markets crash? Is it better to keep some portion of it in an index fund like VTSAX or stick to this “high rated” mutual fund? Not sure what the best practice is. Thank you!

Buying world index etfs on margin, yay or nay?

Those with investment property: how long did it take until you started turning a profit? Please provide info about type of property, region, profit.

Curious… Those in Accounting roles… What have your bonuses looked like throughout your career? Like how much?

I got a bonus this year larger than I ever would have thought ($30k - I’m a Senior Accountant if that helps). And don’t know if that is normal to expect moving forward or if I just got lucky.

Has anyone ever used M1 Finance or WeBull for Roth IRA? Any testimonials?

Thoughts on beyond meat stock - worth the hype?

I have around 80k in cash ready to deploy. What's the best way to do this? Ive heard DCA is a good strategy but how far out should I DCA? 1k every week? 2k? More?

Just got married - any tips for managing finances, tax savings, etc? Household income is 180k, I already max a 401k, she’s a school teacher with state retirement. Thinking to live off only my income..

Opening up an IRA. It looks like I can still contribute the max to my 2019 contribution limit - has anyone recently done this? Just want to make sure I don't have the lovely IRS chasing me