Normally I do my own taxes. However, I'm at a bit of a loss this year.

I'm trying to figure a good way to work into the analysis potential changes in Student Loan payments under SAVE vs the potential additional tax liability caused by filing individually vs jointly.

Anyone have any good resources they could recommend - either to diy or help find a pro? Not sure if a typical CPA would be up on the student loans and if not what to look for.

Thanks

Anyone here work in Israel ? Planning to make Aliyah in the upcoming year

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

Has anyone tried UPS or Fedex pick up for moving boxes without a car? How’s the pricing? Hard to get an accurate quote

I just got a new credit card. It came with a Priority Pass membership. I always travel economy, I hardly ever get lounge access. I got excited, until I remembered I can’t travel and lounges are closed anyways. :(

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

Hey guys, Can anyone please tell me if there is any restrictions on SPI in mutual funds in MS for employees.

Monday Wordle :

Wordle 401 5/6

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⬛🟩🟩⬛🟩
⬛🟩🟩🟩🟩
🟩🟩🟩🟩🟩

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

Follow up on Rich Dad Poor Dad...General consensus is to buy real estate...So for those of you who have read the book, have you bought any real estate lol?

Any good apps or websites to track your net worth across all accounts (investing, banking, retirement, house) without sharing your information?

Personal Capital users, which pnc link do you use to pair the retail account? Doesn't seem to work

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

I'd like to buy, but the market is absolutely atrocious currently

Hi all! Would any of you place a bet with a NFT you own, with the possibility of winning another NFT or walk away with nothing?

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

Who else is buying?

Anyone from Société Générale , can confirm from their experience whether SG provides Expected Salary after HR round or they get into Negotiations before rolling out Salary Breakup Letter ?

What can be my ECTC?
I have 12 yoe | working in CTS | CTC 15 LPA
Tech stack: .Net core, .net, mvc, wcf, web api, rest api, sql, jquey, JavaScript.@

Certificates: MCTS, AWS practitioner

Anyone have any insight on base salary for a Staff 2 in the BC group? Got an offer the other day and was wondering if it was on the lower or higher end. Thanks!

I am so tired of TV shows glamorizing prison life. It's not pretty, it's not nice, it's something rational humans should avoid in their lives.

I am trying to figure out how to switch to SWE. I have a masters in civil engineering and have a good background in higher level math. It looks like the better coding boot camps are quite expensive. The alternative is another masters in CS which is the same cost as many boot camps. Any recommendations on picking between a coding boot camp and getting another masters degree in CS? I’m looking to get into the best position possible after getting an education in CS (get a job quick and good pay).

Anyone subletting this summer?

Hi everyone, I have a question about job transition. I want to transition into sales training. I have 9 YOE in sales account mgt and created some really effective trainings my office used and loved. After that I got 2 yrs in curriculum development elsewhere. 

I want to move into a sales training role that will take into consideration my sales experience? Don't want to start from scratch. What job titles should I be looking for?

How do you keep interview rejections from companies and roles you really want from not breaking your heart? 😭

Just saw a posting by a recruiter on LinkedIn - great opp for those who would like to work remote! DM ME If interested: “Big 4 Senior’s in Texas- looking for a Senior Accoutant for a rapidly growing, pre IPO industry leader in Austin, TX! Open to candidates who want to relo OR work 100% remote! Position is on the INTERNAL REPORTING side. SEC Reporting a plus for assistance purposes only (team focused, highly collaborative environment), but not the primary requirement of the role. “

Has anyone recently done visa stamping in India (Mumbai center) through Dropbox? My appointment is in 3 weeks and I heard of one occurrence in Mumbai where the candidate was delayed by 2 weeks (still waiting for his papers).

What happens if the previous employer closes his organisation, will it fail my bgv

Any audio book recommendations to listen to when backpacking / vacationing?

Will be moving to LA at the start of next year. I make $150k and my boyfriend freelances and averages around $60k. How much should we realistically be paying in rent max?

Can any pls share the lead position interview questions?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

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 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.

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

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?

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?

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?

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?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Google stock to buy now or after the split?

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)

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

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

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

What do you think are missing from the personal financial management apps such as emma, yolt, cleo

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Can someone help me understand how backdoor Roth works in my situation?

I contribute the $19.5K max to a 401K each year. Would backdoor Roth be (A) the ability to roll $6K of that $19.5K into a Roth? or (B) an incremental $6K that I could contribute to a separate IRA then backdoor into a Roth?

Asked another way, does backdoor Roth allow me to actually contribute $25.5K each year, or does it just allow $6K of my $19.5K contribution to build in a Roth?

Thanks!

Hey folks - I have an inquiry on my credit for a gym membership I “failed to cancel”. I had previously left this gym as it closed during pandemic, and shifted to a new location. In doing so, I informed the gym I would be leaving. However, I recently checked my credit and saw that my membership had not been cancelled and had been sent to collections (prompting an inquiry and dropping my score).

Has anyone experienced this, and is aware of next steps to take here?

Rolled my old 401k over to a rollover IRA under the same brokerage and lost some money. What the hell did I do wrong? It was a direct rollover btw