Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

How often do you come across Schedule F? I have prepped 3 tax returns for farmers this busy season? It’s interesting. I’ve worked for large and small firms. I never had to deal with Schedule F until now.

Anyone know why our miles didn’t carry over to the next year? Had 20k miles over Delta Platinum

Is there a way to transfer miles from Delta to Air France to upgrade current seat selections?

Fishes- Need some quick knowledge/suggestions for Monthly Investments. I have a 10k Monthly ELSS SIP and 10k Nippon Pharma MF SIP. In addition to this, a small amount 15-20K flat invested in Crypto. I have some more money to spare- 10-15K/month. Any suggestions where I can invest this? I have little knowledge of stocks so would be a little hesitant to get in.

Any roles at AWS that have the same travel opportunities as consulting?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Hello, I’m looking to relocate from Germany and in search of finance and Internal Audit roles in the UK. I have 3+ years experience in Audit/Risk, a masters degree in Finance and ACCA part qualified. Will appreciate any leads on visa sponsored roles. Thank you!

Pre-tax 401(k) or after-tax...thoughts?

What are some of your go to resources for investment ideas or advice?

ZS 🐠, how often are you at the office vs client site? I’m curious because I’ve heard they don’t travel much

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

Is firm travel back up to pre covid levels?

How much CTC and in-hand salary is offered to Software/Graduate Analyst at Investment Banks like Goldman Sachs ,Deutsche Bank ,JPMorgan Chase in India?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Which level is FJ09 ?

I’ve a discussion round with a startup. Current CTC 10L. How much should I get.

YOE 1 Year 6 months
I quoted 16L in beginning of the interview rounds. Interview went really really well.

Tech stack : React Redux Saga HTML CSS JS

Anyone else following Rocket Lab’s debut today?

What’s a good amount of time to be at the senior planner level?

Hands up if you're getting crushed with work this weekend ✋

How many times a day does excel crash on you for no reason?? At least 3 for me...So frustrating

OMERS OTTP Onex or top US firm's Canada office if moving back to Canada -- what's best?

I really like finance, but I want to be a sole proprietor. Any ideas of what I can do besides making my own hedge book?

I got good internal hike last year like 30% but it's not upto market standard, can I ask for hike again this year amidst this recession times? I know they are recruiting new ppl with much more salary than me. Any suggestions hiw do i start the conversation

Why is onsite so important for us IT people even though we can live a more comfortable life here in India and save equally here too? Not judging anyone since I am also one of those people who feels like a failure because I couldn't make it to onsite in last 7 years while many of my peers have.

Anyone from Houston? I’m moving there soon and it would be great to join the community in any way!

Joined Deloitte india in management consulting in Oct. On bench since 6 months.
Does Deloitte lay off if bench period is extended??

Is it worth the rent to stay in west village socially? Or just stay in exchange place in jersey and commute to midtown?

Thx for joining and I'm looking forward to the banter on this bowl!

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Anyone ever use a credit repair service and have success?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Thoughts on personal loans to consolidate Debt?

Have about 5k to invest - should I do FXAIX or FSKAX?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

In your opinion which is the best target fund to choose in IRA Roth?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Anyone have a recommended tax person in Chicago?