Need some help --
How would you split 200K in savings across checking, HYSA and investments? Investments would be into an index fund/bond portfolio held with Wealthfront.

30yo DINK in HCOL city (~4-5k monthly living expenses)

If I dont have home loan and staying in rented flat so how much max rent i can show for tax exemption ? How it get calculated any idea?

529 NY question. I want to setup an account for my daughter. Planning to contribute $10K to maximize the tax deduction as a married couple.
(1) Should my wife and I setup two accounts for our daughter with $5K each? Or ok to setup a single account under one of our names?
(2) Understand $10K is below the annual gift tax but 529 is considered a gift. Is it good practise to document this in some shape/form? Like a one page doc that my wife and I sign stating we gifted to a 529 $10K in 2022.
Thanks

Recs on spending NYE in Sydney?

KPMG, how do you change your 401k elections before your bonus gets paid out? I don't want any of my bonus to go into my 401k

Landmark case Tibble v. Edison takeaways? IMO: Rapid action of changing investment fund and share class when prudent.

Welcome to the United States of Venezuela. I took my own money to help pay down my son’s college debt. I guess I wont be getting that money back. Unbelievable.

Is 5.5 good mortgage rate in current situation for first time purchase? Any predictions on future loan rates?

If I roll my old employers 401k into an IRA this year, am I correct in thinking that what I contributed this year in that 401k still counts against my 401k contribution limit?

Interested in working in the Seattle area, but also a little sticker shocked at housing prices. Could anyone give a realistic salary range and what you pay for living?

Is anyone using a service where they accept payments online (planning fees, monthly 401k fees, etc) where the client can pay using debit/credit card?

I'm an independent solo RIA in California. Highschool buddy of mine is a permanent resident of Canada and wants me to manage his money. How do I take on Canadian clients?

How did you get into real estate?

How do people in tech set up their banking? I have a primary bank account where my earnings have gone for the last 8 years. I always get promotions to open new bank accounts with other institutions for some cash reward. Is there any point to opening multiple accounts with diff banks? Kind of seems like a hassle but might be some advantage that I don’t know of

Advice to young lawyers. Read a book.

I saw the thread about savings and many young lawyers (20s and 30s) don’t know how to open up a brokerage account or invest in their 401k. I know they don’t teach personal finance in school (though they should!), but my advice is that you should go to your local library and read a book about the subject. You have the skills necessary but you must invest in yourself. No one will look out for you.

Where can I find a financial coach/planner that doesn’t charge $1500/yr? I’m not looking for a full on advisor to manage my money, just someone to help me look through my investments (401k, HSA) and other accounts to make sure I’m taking advantage of the right opportunities and have the right allocations & risk assigned. No trolls please. I’m somewhat new to this and come from a very financially-illiterate family, so I’m trying to get started on the right foot. Thank you!

Anyone car shopping? Trying to unload Audi S3 lease in DC. Ridiculously cheap for what it is, $473/mo (Audi employee lease price, discount conveys) Situation changed and no longer fits our lifestyle.

If you have to pay back a sign on bonus do you get back the withholding on it when you file your tax returns? For instance if the sign on bonus is 10k, there si withholding on that. So you actually receive 6k (assumption). But if you leave the company you pay back 10k no? How do you get the 4k back?

Hey folks, question about applying for a role in Spotify (Sweden).
Does having a referral make a big difference to get your application reviewed?

I'm currently in Canada and planning to move to Sweden soon so applied for a few spots however I don't have even the slightest idea if
a) applying from Ca will actually get my application tossed out the window
b) I've heard there are gazillion ppl applying so if referral gets me on the radar, instead wasting time just find someone to refer me?

Given current immigration climate do you regret choosing US to build your career. If Trump wins it will be final nail in the coffin. Miller and anti immi gang will hang us dry

How easy or difficult if will be to switch from chemical company working on polymers/nanomaterials to a tech company working on something similar for a Ph.D. professional. I have seen few postings at FAANG companies for Materials Engineer positions but none of them respond. Do they have many applicants or referral is usually required? Also, I am new here. I need likes please. Thanks!

SPOT, why not? Almost at the bottom? Still strong subscriber numbers

Is it normal for a Product Owner to lay out specs for how a feature should work?

I thought that was my job as the ux designer to figure out the best way to solve a need. But I’m getting handed projects where the PO, and sometimes the senior designer has laid out exactly what should happen (components used, flow, etc) to design a feature. It’s really frustrating because I don’t know if I’m supposed to be speaking up on what I think or just do the UI work I’m asked to.

Anyone have an AICP ticket for tonight?

Hi, what is a single woman to do for the holidays besides watch lifetime and binge on Christmas dinner? Any suggestions?

PetSmart, Serta, J. Crew…what are other big ones that credit lawyers should know well?

I forgot that today was Monday and accidentally waked and baked

Glad to be hear folks. I am sure I am not alone but I have experienced many attacks from my administration for simply answering questions about my faith in class or telling students I do not believe in abortion. Hoping to find some insights from others here in regards to still being a Christian example in public education without losing my job.

Does anyone know if working remotely counts toward reciprocity?

I’ve been practicing law in Minnesota for 2 years and 6 months. I need 3 years to be able to swear in to Colorado. If I join a Colorado firm and work in Minnesota until I can be sworn in, will that work? Or am I definitely gonna have to take the bar?

ER Manager offer with Amazon 220k TC. Competitive? YOE 10+. I see people posting Sr recruiter TC 250k. That blows my mind.

Hi,
I received an offer from Accenture last year, but declined it.
Now, I want to reconsider it, how should I proceed.
My candidate portal is still active. I reached out to the poc but no replies

How much time hire right takes to complete background check
And did we get any mail when this is done

Thanks

Anyone else completely mail it in after giving their 2 weeks? Major senioritis for me rn. Probably had 2 billable hours today. Maybe

What's a typical hourly wage for a new department manager? This is my first department specific job. (I've worked retail before but always floated between departments as a sales associate) I was recently promoted to be in charge of 2 of our smaller departments and I am the only employee who works in them on a daily basis.

What challenges do you encounter which stem from your emotional trauma?

It’s the weekend i think I’m going to play tennis what about you

How do I get a side hustle?

Anyone buy property via rootstock? What has your experience been?

Debating credit card strategies for next year. I’m currently a digital nomad and “rent” and everything is put on travel cards. Currently have CSR & AMEX platinum. I’m leaning towards canceling AMEX Platinum due to higher fee & lack of usage overseas. I’m thinking CSR as primary travel card, with a new United Quest as backup travel CC and AMEX Blue Cash Preferred for monthly expenses in the U.S.

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

Need help with a home loan query - lets say i want to buy a $300k house, and looking for a bank loan.
Here’s the scenario for -Spouse and i together make 300k per year. Savings - 350k.. question is how much bank loan should i take given the high interest rates and how much down payment to make given i have sufficient savings in cash. I do not plan to invest the savings into anything in near term (2-3 yrs) and want to keep a 100k at-least for emergencies.. what should be my down payment

My India team told me that the savings accounts at the state bank of India gives like 10% return. 😱. Asked a million questions since that’s really hard to believe. Has anyone done this?

Are apps such as Stash, Acorns, Wealthfront and Betterment allowed at PwC?

So what happens to my DIDI shares now?

Should I invest in Tesla or Apple? Looking at least 1+ yr to hold

I live in Florida and I’m looking for a reliable accountant to help me file my taxes. Any recommendations?

How much $ do you keep in your checking/ saving account?
I recently started investing, and have about $20K in ETFs, MFs. With that I still have $80K+ in my bank accounts which I slowly plan to move into my brokerage account. How fast or slow should I transfer these funds into my brokerage account?
Ive also been toying with the idea of buying a house which makes me question whether I should tie up more money into investments atm or not. Investment noob here, if it wasn’t obvious already 😅

I bought VTSAX in 2020 at $56.00, 25k shares. Thinking of selling before it goes lower than that

Care to share your favorite investing resources? (Books, websites, podcasts, videos, etc) I’m 24 and looking to get more into investing

Need some advice: recently left Deloitte and joined new company that uses Fidelity for 401k — Deloitte used Vanguard. ~$13.5k in the Vanguard account, so should I roll over into new company’s..Cont.

To those who have an HSA and who are able to cap the contributions each year, what account balance would you need in order to not cap the contributions, or to no longer contribute at all? Just to clarify, these dollars are triple tax free, which is beautiful, but can only be spent on qualified medical expenses, so theoretically there’s some point where continuing to contribute toward it or capping the contributions may not make sense

People with a Tesla, how much do you make? I have been wanting a Model 3 but it's hard to pull the trigger since I know putting that money into investing or a down payment is much more practical in the long run.

If you were to recommend only one finance book (for a beginner) what would it be?

Should I buy Everi stock?!

Any Big 4/CPAs here buy a home in VHCOL (SF/Silicon Valley/Manhattan)? I’m wondering how do we compete with tech money in CA and high finance money in Manhattan if we don’t have wealthy parents?