Question about what to do next. I’ve maxed out everything—401k, HSA, IRA, backdoor Roth 401k. My bills are all paid. I’ll probably make about 16,500 more this year to do stuff with (ie money that isn’t going to taxes or insurance or anything). What should I do with it? Crypto? Set it on fire? Get a hair transplant?

Can someone let us know about leave and insurance policy in detail 🙂

If anyone is looking to create a Robinhood account and wants a free stock, I’m one referral code away from earning a free stock...👀

Pwc salary structure? Benefits

Urgent

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Tempted to buy 1 BTC ..

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Any good ETFs to invest Roth into?

Can wife claim husbands PAN for HRA? Flat is in the name of husband

What’s the one strategy/technique/ritual that has worked the best for your mental health? (Even if that was not the intention of it)

Pune folks - Can anyone help to get 2bhk in Viman nagar, Kalyani Nagar, Dhanori without brokerage please?

Which Big 4 is the best to be at regarding work culture and benefits? Especially during these tough times.

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Thoughts on Bitcoin rising? Think it will crash?

I think that I have eating disorder. I am always hungry but when I get food I can’t finish it, usually I am done after 2-3 bites and then I am hungry again after an hour. Anyone has similar issues? Have you been to a nutritionist or dietitian? If yes, is it covered by Insurance?

Hi, was wondering if anyone has info on Investment Banking and/or buyside comp levels in copenhagen?

What’s the one strategy/technique/ritual that has worked the best for your mental health? (Even if that was not the intention of it)

My superiors are asking me to contact CEOs of debtors to chase payments. We’re in B2B and payments are usually 30 days or more. As soon as we get someone over that and they don’t provide a payment date, I’m being asked to contact their CEOs somehow and demand payment. I think it’s dumb, will hurt the relationship and I also don’t want to ruin my reputation. Thoughts?

How do you all keep up with trends in risk and internal audit?

Pune folks - Can anyone help to get 2bhk in Viman nagar, Kalyani Nagar, Dhanori without brokerage please?

Hi Everyone,
Can anyone please help me with referal
Eoy:4.7years
Tech stack : react js and javascript
Will available from July 13th2022

Hi Folks,
I have submitted my resignation on Aug11th. I received a mail very next day from HR saying salary willbe put on hold for reliving month and immediate previous month will be put on hold as FNF dues.
Now half of the people I asked saying I won't get salary for August as well and half saying i will get salary for August. Can anyone confirm on this?

Bhai diwali ka gift nahi aya abhi tak. Agli diwali tak wait krna hoga?

Any idea why the FMCG firms don't recruit from from outside FMCG? Even if you are a brand/Product Manager in another Consumer Products firm?

Anyone with connections to potential in-house scm opportunities in the NYC area?

At this point in my life, consulting is really burning me out, would love to be in house where I can learn and grow at a pace that is more sustainable.

Hi all,

Any Australian EAs on here? Or am I the only one so far 🥺

X

What’s all the hype about safemoon?

Everything always takes me so long to do :/

Monthly rant thread. Lots of firms with a fiscal year close of Oct 1, everyone racing to the finish line with billables.

Tell us about your hopes, your dreams, your struggles, your insecurities and what made you laugh lately.

Hi,
I am currently working in digital marketing profile with a Germany based magazine company. I have a work ex of 2 years. I am looking forward to move abroad. I am trying to apply for jobs in canada, sweden, Ireland, Germany, not UK since that needs sponsorship.
Can anyone help me on this, what is the right way. I know i have less experience but i want to move out in a young age. I have tried Google jobs and glasdoor so far. I am currently 25 & i think this is a right age for a woman to move

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?

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Does anyone use yieldstreet or crowdstreet for real estate investment?

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

27 F. Work as 1st year associate in Big Law NYC. Base salary $215k, bonus is ~$10k (lowballing), student loans are $150k, total savings are about $100k. 0 family money and will likely be supporting parents long term. Any advice on how/when to start investing in real estate. Currently have all savings in market (with personal investing in index funds or 401K/RothIRA/mega back door).

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Have 20k, what’s a good small business to start with this fund? Serious question here

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

Best long term investment strategy against inflation to get to a large nest in for retirement?

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Trying to help my retired dad - When I google for what to do after retirement, only retirement planning related things shows up. My dad has been a workaholic and hasn’t developed many hobbies he could pursue. I was wondering how I could help him stay slightly occupied if not busy. Anyone here experienced this with your parents or yourself? How did you navigate this?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!