New job. $4K left each month after expenses. 0 current savings. Not in US so no 401K, etc. How should I save? I’m thinking $1K cash and then $3K in Vanguard LS (after building 3 month emergency fund)?

like
Posting as :
works at
You are currently posting as works at

Pick two or three ETFs with different strategies i.e., dividends, low beta, growth stocks, bonds. If you arent a market guru dont waste time trying to chase the next amazon stick to managing low expense etfs.

Most definitely a solid plan to start. Make sure you have no debt before you start investing

Right idea. For all the cash, Captial One 360 MM OR Marcus by GS MM are at 1.75%+.

Related Posts

I have square stock that I bought at 240, do I hold? And what’s everyone’s thoughts on Zoom? Sell or hold?

like

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

like

Living in Van. Previously lived in Toronto. Obviously rent prices are high as is cost of living. Generally go out and spend more often living in a city. Boyfriend and I on good salary but not saving much due to the above. Before we move home to our own country, we’d love to spend a year close to Vancouver where rent is cheaper, temptation is less, to save. A commute to Vancouver 1-2 times a month needs to be possible (his job). That can be a flight if it’s not crazy. Thoughts? Recommendations?

likehelpful

My work doesn’t require us to be licensed in a particular state (i am licensed in my home country) - International Arbitration. What are the obvious benefits of getting licensed in New York?

like

What's a reasonable average amount for basic cost living in LA (housing, food, transport, phone, internet..) for more context : single, would like to live in an independent studio in a nice area.

like

Y’all I want to thank you for the tax discussion/questions we have in this bowl. I've been applying it to my job and it's helping. 😄 Of course, everything should be taken with a grain of salt.

like

Hi! I currently work at a hospital as a per diem pharmacist and have been there for over 12 years. We haven’t had a raise in over 6 years. I am going to talk to my boss soon to ask for a raise. I was wondering what other pharmacists make in the Philadelphia area so I know how much I should ask for. Thank you!

helpful

Moving to the U.S. soon, so bear with me on this.
Is there a specific type of account you buy stocks on in the US?
For context, I'm Canadian, I have a TFSA and RRSP (also relatively new to stocks/general personal finance)

like

I am currently seeking a role in Healthcare Policy Leadership in the DC Market, my experience has been in in the intersection of Healthcare & Social Services in both the Private and NonProfit sector. I have a BA in Forensic Psych, an MPA, an MPhil in Public Policy and currently in the last leg of my PH.D in Public Policy with a specialization in Health Policy.

I would appreciate any advice anyone could give that might point me in the direction of any open roles.

like

If I were to invest $1000 today, would ADA be a good place to spend the money? Heard great things about it, but interested in knowing if this is the right time or if I’m late.

Best HYSA with a good account opening bonus?

EY, what is the current maternity leave policy? Does the firm allow leave starting at 38 weeks? Is disability (6-8 weeks) separate from parental leave (16 weeks)? When is full eligibility - after 12 months of employment?

like

Can anyone share any examples of outstanding direct to consumer healthcare ads?

like

Is KGS gives wfh set up reimbursement to new joiners? Any new joiners out there

like

Do you feel that black people are more prone to be flashy than other races? A friend was telling me about some financial issues as he wore a gold chain and bracelet...con't

Does anyone have any insight into partners retiring early? I am at a point where I need to consider leaving if I am not aiming for partner. I don’t see myself working past my 40s. My partner and I are not big spenders and anticipate have enough to retire comfortably in 40s (obviously a lot can change). I have been assured I will become SM in next year (currently 31 years old).

like

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

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.

like

What is the best way to look at historical PE investments? I am hoping to discover new PE firms for networking / sales purposes. Potentially a website specifically that tracks announced PE deals. Thank you!

like

More Posts

Hi connections , anyone working with Barclays ? Need a refferal.

like

Hi! Shooting my shot: I’m looking for any DC exit opps. Background is in IT Security/Risk and Compliance federal consulting. Feel free to comment or DM. Thanks!

like

My girlfriend, 29, is looking to move out of teaching. She is willing to get certifications or designations but has no business background. Any suggestions for career change? Either positions or ways to get into the business world would be great!

like

Hi all, I have recently received an entry level offer from BCG Dubai.
I have 3+ years of experience out which half in consulting and half in managerial role in corporate.

Would you take such an offer or would you look for better seniority at another consulting ? Is it a fair treatment?

like

ACCA and CPA qualifications. How useful are they in the line of consulting. I work in the M&A space focusing on FDD. Happy to have a chat to see what qualifications if any are actually useful in our line of work.

like

It’s a crazy feeling for someone semi close to you, to of “been in competition” with you. For years. And you’re just now noticing. Like, girl. Is that why you act so conversationally constipated from time to time? You’re just a hater? 😂😂

funny

Looking for a pair of stylish but comfortable shoes for the weekend grind. What do you guys wear?

like

To the struggling healthcare student. It’s okay to struggle and not know stuff. Sincerely your friendly neighborhood physical therapist.

like

Plot twist: Ivanka is Putin's daughter

like

Anyone from McKinsey who can give a refferal for a job ?

like

Hey guys need 11likes to get DM started, help would be appreciated thanks.

like

Anyone in gTech willing to chat?

like

Hike update 2022

Post Photo
like

Hi all, can someone give an estimate of a living in Gurgaon. A simple 1 bhk rent with electricity and other bills on an avg for 1 person .

like

Signed up for a personal trainer! 2x/week strength training with her... to begin with!

like

In how many days do Globant , send laptop? Globant

Do you have a mentor? I’m in the autumn of my career and I’ve had a  modicum of success in production and it’s time to give back.

like

How does the @paytm -telco product team work?
Is there a work life balance? what is the range of salary for a sr.product manager? what should be good ask with 7 YOE?

like

Hi guys
My current ctc is 11.7 fixed. Having 4+ experience. What is the maximum CTC i can ask for. Please help

like

Additional Posts in Consulting

smaller desk- 21 or 24 inch monitor?

like

Sharing if useful: I forget what (minor) IT help I need between being at client site and in office. Solved it today! Get error > take a screenshot > save with descriptive title to “IT help” folder.

Post Photo
likehelpful

Confronted client today about partner forcing us to travel while client site has travel restrictions. As a result is team is remote next week. Counting down days till I get rolled off/fired now lol

like

Is any of the consulting firm looking to hire in Dubai ? Any leads would be appreciated #onalookout

like

I just got a new job offer (3.5 YOE, strategy at late stage startup) for $125,000, sweet benefits, and $60k stock options.

I already notice that I want more despite not even receiving one paycheck. Previously made $85k.

Why am I like this?

like

Poll: What dress code do you follow at your home office?

Has anyone left their firm at a critical point in the project lifecycle? Were your colleagues professional or hate you now?

There doesnt seem to be any non-awkward moments to exit o my projects

like

Which consulting firm has the best 401k match?

like

Commercial vs Public sector/Federal Consulting within the Big 4 or MBB. Differences in culture, types of work, wlb, exit opportunities, etc

like

Anyone ever have success with requesting AA to transfer a spouse’s separate reservation to your reservation so SO can reap elite status benefit (ie, early boarding/seat selection)?

like

Who owned the land where Deloitte University was built on?

like

Did a deep soak of my dress shirts in Oxi Clean over the weekend, worked too well. I guess the rinse cycle wasn't long enough because I smell like a laundromat. Borderline nauseating.

likefunny

Any book recommendations on handling office politics?

like

Does any Big 4 FDD team have work?

like

Any tips or tricks on collecting extra PQP on United / MileagePlus? Particularly, any ways to collect without taking flights. Trying to score an extra 2500 PQP over the next 3 months

like

Interested in a San Francisco/Bay Area networking/support group for consultants that have been laid off?
See comments for more details

likeupliftinghelpful

Hot take. Is FAANG even a thing? Or was Cramer just worried about the acronym if he took out Netflix?

likefunnysmart

Got hired as a digital strategy consultant. I have over 10 years of industry experience but I’m new to consulting. What courses, workshops or books would you recommend to build a solid toolkit?

like

Is it too late to buy the FAANG stocks? Still feel that Amazon and Google are undervalued.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal