Outside of EF, how do you decide how much to save in short term savings (travel, lifestyle splurges) vs. long term (house down payment, wedding) vs. DCA into ETFs each month / paycheck? Not planning to spend anything on LT goals in the next 3 years at least but unsure how much of what I’ve saved so far should actually be in a brokerage account instead of HYSA

What’s an average S2 salary in FDD for high COL’s like NYC, SF, LAX and Chicago?

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.

Anyone got a loan with Guaranteed Rate? Started looking for a condo(Chicago) and keep seeing them pop up. Looks like they charge $1290 lender fee, but wanted to see if anyone had experience with them

How did you pick your travel system? So hard to choose too many options 🥹. Feeling overwhelmed

How do you justify the ethicality of Airbnbs often accelerating gentrification and housing inequity in many cities? Do you weigh it against the GDP brought in by travel?

Side gigs. What do you do to supplement your income (besides marry for money)? I bartender but that’s taken a hit with Covid. Thinking about some kind of tutoring set up.

Does anyone else think we should start investing in more light rail systems to cover some of the distribution problems we're having? I think it might be a good idea. Anyone have any thoughts about this?

Looking for investors to get in on business ventures in cannabis. Financial diligence is solid while highly conservative. Investments are low entry points. If interested text me at 510.304.8491

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

What's your number for retirement?

Any folks at MMB/T2 in St. Louis open to connect? Are there many local projects or do you travel most of the time?

Anyone figure out how the 1065 will be presented this year for clients with GAAP books? Seems like M-2 should be tax but the instructions say book and “match K-1”

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Has anyone attempted tax loss harvesting on RH? I went long on Brazil and with talk the turmoil there the stock is not going to recover in a while. Can I sell my position and buy a correlated stock?

My firm doesn’t match my 401k — still worth opting in?

What percentage of your income do you save, invest and spend?

Is it better to rent or buy a car? Can you share as well some price estimates if I rent or buy? TIA!!! 😊

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

So should I buy Tesla or too late ?

I signed my offer last week. How long until immigration contacts you for an H1b transfer?

Any job openings for indirect purchase and maintenance

Hi Fishes, I would like to know the Designation structure in Infy..which Infy Designation would be the equivalent of Senior Consultant in TCS

Hi,

I answered apti and coding round last week. I got emails informing result. Recruiter was supposed to schedule 1st Technical round. Till now no update.

Has he ghosted me?

Skill: Drupal

Can anyone from nagarro please check if opening still there for Drupal or not?

Hi Fishes,
I have total 2 years of experience as a ServiceNow Developer. I am planning to switch from Accenture to other organization but I am not sure which offer should I take?

Infosys Or Wipro - having the same offer around 12 lpa

Which of the above organization will be a better for learning and growing opportunity as a ServiceNow Developer? Which one of the above is better?

Has anyone here know what is like working at the Mayo Clinic?

I'm planning to transition to Data Science. What should be the key technologies that i need to learn and add to my resume to make this work?

Thanks for your suggestions.

Anybody up to practice case interviews today or tomorrow? Preparing for a few first rounds and feeling very nervous!

For those of you in your mid-20’s, how often do you go on dates with your significant other? In a serious relationship for the first time since college and trying to gauge what folks consider normal for dating frequency (excluding nights in). Context - we’re 25, dating for 3 months, live 5 mins away from each other, decent WLB

Hi Guys,
Need a referral for an opening in Accenture India Accenture. Would appreciate your help. Thanks

Any vacancies in Ericsson Kolkata for RF engineer?

4 years sober today. So much to reflect on, not least of which how important it is to “get comfortable getting uncomfortable”. In my experience, it’s truly the only way forward.

Sending strength to you all 🖤

If the wife is the chief creative officer and the husband is a creative director within the same company, isn’t that a conflict of interest? Asking for ogilvy.

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!

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

Just want to know how much people actually pay for mortgages on a salary about $120k I am looking at homes and I want to upgrade but I don’t want to be house rich. I don’t mind living below my means but I also want my children in a better school district. Just confused…

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

2021 roth ira limit is 7k? Or am I reading it wrong

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

Any tips on how to use up gift cards with <$3 on them? I know some stores won’t accept as a payment method. Don’t live in a state that lets you cash out under a certain amount.

Any stores / websites you’ve had luck with? Hate to throw out free money, even if it’s a few bucks

Where are my swing traders at??

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

I have a yearly income of 130k and will rent a 1Br/Studio in Manhattan from 2.4-3k by end of the year. I also have student loans of 28.5k which I intend to pay off in an year or so. Currently, putting in 4% for Roth per pay cycle and maximizing my HSA. I net a monthly income of close to 7k. I intend to save about 3k for the next 3 months in my Marcus Savings Acc and 1.5k from January (reducing it cos my rent doubles) How should I go about planning this and also have some emergency savings?

Is there a calculator that I can put in all my investments and see how it works out in 50 years? I know each brokerage has their own projection thing, but just wondering if there are any other tools where i could combine everything?

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

If you had $200k cash, would you drop in the stock market or buy an investment property?

What stocks are you betting on for 2018?

Combined net take-home £8000/month. Wanting to rent for £2300, with additional £300-400 in bills. Don’t want to buy as I will not be here for too long and fear brexit. Is that stretched?

How do you all split your 401k contributions between pre-tax and tax deferred (pre-pay tax) contributions?

Best S&P 500 index funds and ETF’s? Currently have a chunk in VOO