Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

Custodial or 529 for child?

My monthly salary after employees pf deduction and professional tax of 200 is 96,500.
How much income tax will be deducted on this amount without any investments and all.

I like my job and live in a cool apartment in a cool city. I travel a lot, I have lots of savings, and I can afford virtually anything I want. I set and meet small goals (ex. run a 10k) regularly...

Anyone willing to share what assets they're investing in with the extra money from being overemployed?

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

What might be the ripple effect in real estate? When is a good time to get in?

How are you all determining the future cost of college and target levels of investment for 529 accounts? Having a hard time seeing how 100k for college in 15 years is realistic. Also don't know the right level of savings to target (50%? More?).

Currently have chase sapphire but thinking of switching to Reserve. Should I?
Wife will also be authorized user, we do travel and will use this card for all our purchases

I have some 400k delta skypesos and would like to go to asia next year. How should i use it well?

New start coming out of undergrad - other than maxing out 401k contribution to 18.5k in the year, what other low hanging fruit should I get? (I.e. I’ve heard of a Roth ira but not sure what it is)

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

It's super frustrating to be "time poor".

That's seemingly just the nature of working in Biglaw.

But every day you have the option to buy back your time.

How do you buy back time?

It's simple—by saving and investing.

And you don't need to be uber wealthy to regain control of your time.

Consider this…

How old were you when you bought your first house?

Dear All,
I am seeking suggestion, Recently started fishing business.
Presently nothing is on paper and it done same as farming… catching and selling locally in market, We have also employed 26 people to work on trawler for fishing.
Is there any way to register firm to take some investments from market/banks

Been here several years. Only just clicked to me how predatory Big 4 are.

Business model is to use cheap, underpaid labor from college grads who can't go elsewhere or pay debts. Churn em and burn em.

What is the comparision between Infosys band 6B and Band 8 of IBM? Any pointers please!

What is a product based and Service based Company?

Hi All
Does anyone know how much time Infosys take to give offer letter , i had my final hr discussion on 22 September.2 yrs java

Best divorce lawyer in NYC?

Can you give me a figure that show in a glance why my client should link KPI and media earned, to pay us? (and ultimately how much pourcentage he should pay us)

How many project rejection are normal in nagarro. I have been mapped with different stack due to which have been rejected twice for proposed projects.

Please share the hierarchy for RISK ADVISORY SERVICES in Deloitte India.
I am having 4+ years of experience. Also please advise expected CTC and designation.

When emailing someone for an interview for the first time do you address them by Mr/Mrs last name or by their first name?

What’s the best social media hack campaign ?

Is becoming a successful realtor easy or something? Almost everyone I know from my hometown that worked in retail switched to being a realtor in the past year, is this some secret goldmine? It looks like all they do is post house pics on Instagram and post stories about how they’ve sold 10 houses and you can too?

Hi Guys,
I have offer from HTC global service.
Can you please help me about hows Job security and WLB HTC.
Also they are offering me permanent remote work.@

Leaving EY in a week. Is there anything specific I should do/ save before leaving?

What is the culture at KPMG London, especially for strategy roles and sustainability?

Subs! Internal subbing is draining the life out of teachers. The sub schedule comes out at the last minute bc of so many teacher absences. It’s the split classes in one period (1/2 Gen Ed and a Special Ed class) Teachers on a cart. Subs pick up students and deliver students. Class changeovers take 10 minutes bc of the domino effect. We’re all waiting for next sub. Teachers are late for their own classes. Students are in chaos with rotating subs. We pay $100 a day. Is the Solution in plain sight?

What should be the designation for 11+ exp in Oracle India?

Customer Engineer offer in Austin around $225k TC for 4 YOE

Base $130k
Bonus $60k
GSUs $140k

Thoughts? This seems decent based on my research but couldn't find a ton of data points. What is the career trajectory/opportunity like is a Google CE? Opportunities to move to product later on or will I be heavily soloed within tech? How do refreshers work? For example at other tech companies I've heard only about 10% of a team might receive refreshers each year

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

I’m a renter with 10 months left on my lease. Have an option to invest in a 3 unit property with someone who would live in one of the units. Would it be a bad decision to invest but continue renting?

What to do when your spouse is on a diff tangent in terms of finances? My wife wants to spend spend spend and I want to save save invest.

I just hit my lean fire number but am hesitating to pull the trigger, so was hoping to run it by people smarter than me:

- I have a few rentals that bring in ~$1800/mo cash flow, taxes are negligible, Capex incl.
- My paper assets will bring in ~$1200/mo at 3% draw
- I get free Healthcare at the VA
- No plans on kids
- My expenses haven't topped $30k/yr ever
- I could always reenter the workforce if needed (albeit probably not in consulting)

Please point out the flaws here, what am I missing?

If you could right now, would you buy a house in full cash or invest in the market?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Do you count your car as part of your NW on Mint/other trackers?

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

I have $20k student loans and have been paying $1k per month throughout pandemic to lower the balance. Would you continue to do this? I could pay them off, stop payments in hope of debt relief or keep up with current strategy. TIA

Why does TD have two trading apps and which one is better? Currently downloading thinkorswim

Landed a contract role at Deloitte via MBO Partners for an audit senior role. MBO is making me a W-2 employee for MBO, but I am getting paid $125/hour plus overtime. Am I missing something here or am I about to be making $5K/week (or more with OT)? Anyone have any experience with MBO or doing contract work like this? Obviously way more than I'd make if I stayed at KPMG for busy season.

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

Anyone here retire in late 30s or know someone that has?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

I think I need Ex bankers as friend and accountants. I need people who we can discuss deals in the swift world with from time to time. I need people with great ideas in my life

Learned on the day of the deadline to enroll, that my partner's employer offers voluntary participation on a deferred compensation plan. First time I hear of such a benefit/option after working for years! Any general (i.e. not plan-specific) lessons-learned, gotchas, pointers to offer as we will have to quickly decide to enroll or not?

TIA!

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

I finally at a place where I could buy groceries without checking the prices. In the past I wouldn't buy something I so desired if it's a bit pricy.

260K base HHI and no debt. What is the max you would spend on housing? Take home is $11,000 after maxing out all tax-advantaged accounts. I was thinking $4000 a month, but not sure if it is too aggressive.

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?