Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

How many of y'all have trust funds? What'd you do with the $$$?

I paid off all my debt (mostly student loans) earlier this year and haven’t changed my spending or lifestyle and the savings have been piling up. It’s getting addicting just watching it jump up after every paycheck. Feels amazing to no longer be in crippling debt and finally move on with my life.

How do you handle personal investments when married? For example, say you wanted to invest in riskier areas like Bitcoin, Ethereum, defi tokens, etc. Would you talk to your wife before every investment even if it’s time sensitive? Or do you have joint investment buckets where you decide together and then personal investment buckets where you invest on your own? Not married so not sure how this typically works

Any pros and cons on either getting the capital one venture card or a credit card with United. I want to start traveling more and mostly fly with United since it has a lot of flights out of my nearest airport. Debating on which one would be better.

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Is anyone familiar with McKenna Capital? I’m interested in investing in a real estate syndicate and McKenna looks compelling. Hard to tell if they are legit or potential scam?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Looking for suggestions on stocks to invest for beginners? Any suggestions on YouTube channels or articles/people to follow to read and stay updated on these things?

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

Is ARKK still a good ETF to invest in?

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

Not sure if this is the right place to post this but who do you all use for financial management/financial advisors? My stuff is getting a little complex with some real estate and retirement accounts.

How does the pre-tax parking benefit work at kpmg? There isn't much detail on ssc or benefits connection but it seems like it is on the honor system vs a separate account like FSA?

Lessons that I learned in past weeks: 1) be careful with out of money options as they don’t have intrinsic value 2) don’t make rash decision based on blindly following others 3) cut loss and ego

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

Any recommendations on smart thermostats that you love and enjoy? I would need to replace 3 thermostats in our home so looking for best value. Our electric company will provide them “free” but then charges $10 per month. We plan to be in the same house for many years so doing the upgrade ourself seems to be a no brainer.

We have worked hard and invested into our respective professions!! i find it insulting what is being offered as far as compensation!!!

What sort of pay structure is for Microsoft in London. Technology consulting - solutions architect.

Can someone refer me to CITI ?

My firm’s IT (especially system saving and file locating function) is so bad 😐😞 and they keep doing updates no one asked them for just to mess with the stuff we already got a hang of without doing anything about the issues we actually need fixed. Anyone else in a similar boat? Do you bill the client for the time it takes to fix the IT issue (or IT inefficiency generally, like time taken to find a file in a convoluted system)? Or is that supposed to be our non-billable time?

Already spoke with a partner who wanted something done this morning for him to review and then we discuss again. Sent it to him about 4 hours ago. Should take him half an hour to review max. At what point can I check in with him to see when we can catch up so I’m not waiting in the office all day?

What is KPMG’s most prestigious advisory practice?

I’m a first yr in NYC biglaw (2nd yr in Fall) — is 3.2k for one bedroom in BK (think downtown BK, carroll garden, Williamsburg) too much? Always have lived in manhattan so I’m not sure what reasonable rent for one bedroom in BK is.

What is the salary structure of KPMG India?

Hi Sharks,
Can anyone please refer me in Deloitte India pune ?
I have 12+ years experience in telecom domain.
Skills Unix , shell scripting, SQL,plsql, microservices , keycloak,apiman,kibana,redisrabbitmq installation and configuration, problem solver and good communication skills , project deliveries in agile methodologies and consumer interaction.
I am looking for senior business analyst or senior technical lead position.
Appreciate any help!!

How is CommerceIQ as a company to work for? Is the work life balance that bad?

Folks what should be my CTC expectation with below experience and skills

Role - Tech Project Manager
YOE- 8 years
Skills - GCP, AWS, DevOps, DevSecOps

Please let me know. Need guidance

DM me for referral in TCS

Hello fishes,
i have an offer of X amount from jp morgan and x+ 3.5L from Mphasis, my joining is within a week, I asked counter offer from HR, she said we will look if there is any backup candidate to fill that position then we will not do counter and it will impact my DOJ also since offer approval process takes around 2 weeks. should i wait or should i join on my current doj. and also if i will wait will they give me another doj on my current compenstion or they will revoke the offer past doj?

Hello Sharks,
Kindly help me to understand How much hike i can negotiate with JMPC.

YOE 5 years
Current CTC 13.0
Skills: Python, Linux, bash script

Thanks in advance.

do schools even consider the IR and AWA sections if they dont factor into score?

Any one know that total comp for bcg dubai at project leader and manager level? Ideally split by base, housing allowance and target bonus.

I would be very grateful for the info

How long have you have taken to land a new role? How many interviews did you do and did you turn down any offers that weren’t as appealing as they sounded?

Does google have office in Dubai? I am curious!

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?

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.

Any good wedding ring sources aside from Blue Nile?

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 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?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

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

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

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.

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

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?