Question for people with kids - Post-kid in early 2020, the Incremental expense (mainly Nanny but also formula, diapers etc.) have dipped our monthly savings from ~$5k to under $2k (Dual income, HCOL). While the drop is anticipated, how do people adjust their budgets and find new savings to offset these child expenses to certain degree?

Is anyone visiting family and/or friends during this time? I live in Chicago and we still haven’t reached the apex. My wife is insisting on seeing our nephew and our mother in law came over to visit yesterday. I’m personally not comfortable with any of it

Need an opinion. I just finished week 2. I do an hour after school club at my district once a week on zoom and none of my own schools students participate. I received a very nasty and aggressive email from a parent making threats and hyperbolic accusations so I forwarded the email to the personnel at the district. They were supportive but is still willing to “work together to assist her”. I thought I was pretty vocal that I did not appreciate the way she addressed me and don’t take lightly to

Did anyone start taking prenatal vitamins before getting pregnant? We're just starting to try and I was wondering if it would be good to get started. Does anyone have favorite? Anything else I should to better prepare?

Would this bother you? My bf has made jokes a few times now about me being a “boss baby” or “baby boss”. In actuality, I am a leadership team exec who’s moved up really quickly in my org and manages a team (in industry) by my early 30s. For context, I’m the high-powered career person in our relationship. (He’s hard working but a satisficer vs a maximizer). I view myself more as a badass boss killing it through hard work and strategic effort, so it feels demeaning. I feel unseen. Overthinking?

Anyone have tips for when and how to make a break from the pacifier? Baby is 8 months and only uses it for sleeping.

Hello fishes !
About to be offered a position at Deloitte London as SC. Exp : ~9.
Visa sponsorship is needed. I foresee a possible negotiation on compensation from Deloitte.

Not sure of the estimate yet but I understand it would be 55-60k as per other fishes . Should I settle for a lower comp while employer pays one time sponsorship & migration costs or bear the migration costs self and chase a good salary . Which is better ?

Note : moving to UK with spouse and kid

Any advice on setting and keeping boundaries? As I’m nearing the end of maternity leave, I’m realizing that I am going to need to be much, much better about protecting my time. I’m also realizing that I could have set reasonable boundaries years ago, but I didn’t think I could at the time. I think the first step is to not take on every deal that is offered to me when I return, but I would love advice on how to not feel guilty (or perspective from your return).

Has anyone switched jobs while pregnant or on mat leave? Would you recommend it?

M30🐠 here in financial services who repeatedly receives comments about my baby face and looking like young / high schooler etc and can't grow facial hair. It's especially limiting given peers and juniors look 5-10 yrs older than me and clients think they are senior to me.

I think an online branding / stlylist consultant could help me look more mature. Eg what frame style / color glasses, hair style, clothing.

Any recommendations or experiences?

Me and another teacher had a meeting with a parent and student. After the meeting, the admin asked us both to stay. He shut the door and yelled at me for not apologizing to the student (the other teacher did before the meeting and I 100% wanted to, but I felt like the opportunity wasn't there - and yes, I know I should have). Tomorrow I plan on apologizing to the student. But do I say something to the admin for yelling at me in front of a coworker? Or let it go.

Starting with Deloitte in August, I’m planning to keep my personal phone, will I get to use a tech allowance? Do I get to use their listing to get a new phone for cheap or would I go to a new provider, start a plan and then just expense my monthly payments (80%)?

I recently had my first baby and I’m trying to be as practical as possible, I did not get a bunch of baby stuff I just got the essentials, I think they sell you too much unnecessary things. I do appreciate people showing affection with gifts but feel kids now a day are over gifted. Would it be taken wrong if I suggest that for birthdays and Christmas instead of toys people deposit whatever they were going to spend in my baby’s 529 account?

The firm asked me and another senior associate to take the first year out to lunch on her first day. Sure no prob. Then they asked me to submit the invoice and they only reimburse for the first year lunch and not mine or the other senior associate. It was $75 between all of us and I only got like $20 back. It’s making me feel super nickel and dined. Am I wrong?

Y’all just a quick vent - I am 10 weeks 4 days and just really f*cking tired of being tired and nauseous. Work is like pulling teeth right now with a difficult client and a director/partner who aren’t respecting boundaries particularly well with some utilization BS on top of it. I have anxiety and ADHD just normally and this is our first child (but second pregnancy after one miscarriage earlier this year). Just uuugggghhhhh. Tips for coping appreciated.

Tips on investment for a 24y single woman no kids, no man, no car

I have 27k sitting in my bank account. No loans (e.g. credit card debt, mortgage etc.)

How can I grow my money as it is losing value?

Am a risk averse person so no to stocks and mutual funds.

Am hoping to have a house when am 35 as that's the biggest expense in one's life

Hi! Anyone at Mother or Droga under an O-1 here?

I have been mixing baby formula in spring water for the last 3 months (baby is 10
Month old now) and I just found out that spring water can lead to mineral overdose. I am freaking out

Are IVF babies at a higher risk of cancer or genetic defects than NC ones? Read some studies but they were conflicting & inconclusive. Clocking 36 with failed IUI attempts & wondering if switching to IVF makes sense. Was pregnant last yr with IUI but miscarried at 15W

In one hand, Consulting is great for the family, you can be home at hours others can't to be part of your kid's daily life (breakfast, school pick up, bath time, etc.) in the other hand, consulting is hard, when your home you are there, but often pulled away to do night work, presentations, and SOWs. Client work needs to get done (at the same time my son is my number one client) Any Dad's out there who have some good guiding principles they have found useful to strike the balance (knowing some days things are just not balanced)?

How much did you give up on alcohol in order to have a healthier life? At what age?
If not 100%, how frequent is it “worth it” for you to have alcohol at the expense of some level of hangover?

Pointers on approaching dense lease review? Just started in a RE, Corp, and Business transaction group in a firm. Came from 3 years of in house with minor RE experience.

Just heard back from my manager that I was promoted!! And my manager told me the raise would start from Apr so I should expect to see a bit extra on my pay check. The question is last time when I got promoted, I was told the same thing that the salary was increased before I was being told about the good news. However, I didn’t see that pay anywhere. I emailed payroll but didn’t hear anything back. I wonder how this kind of things go with you girls. Any suggestions/thoughts would be appreciated!!

Do you consider college savings funds as part of your net worth? I can see why you would but then your net worth would decrease pretty quickly once your kid(s) go to college.

Hi all i have a 3 year experience as Datascientist in industry with masters in ML im completely tiered of my current job due to politics , work env and projects .want to switch to other companies..please help me which one has good work env and proper pay nd projects

Coming from ACN, senior analyst, 3yrs total experience so far & wanting to get into the data analytics/BI work. Currently have had experience working with SQL developer, OBIEE/OBIA, Teradata in ERP and Healthcare projects. I also have my AWS Cloud Practitioner Cert, hoping to eventually get the Data Analytics Cert later. What are my chances of finding a role with another company that'll let me work in BI/data analytics and build up my skill at the same time? Been thinking of leaving ACN.

Anyone here using AEM?

Can you help me with Google vs. Uber vs. Microsoft? TC at Google and Uber is $390k, Microsoft is $370k. Google (L5) is supposed to be good WLB but slow growth. Not sure about the others.

Hello ,

I have more than 10 + years of experience in IT , previously working as hardware field engineer. For the past 2 years have been working in service desk. I'm looking to change my job , is there any opportunities for service desk job role in IT , currently working in Chat support process . I would prefer similar kind of job profile . Anyone in this forum if could provide any insight will be very helpful.

Thanks in advance.

Do you guys have pet insurance?

Buying a $700k property in Chicago. We are getting a 3.5% rate with 20% down. We can do 40% down and still have an emergency fund left over for 3-4 months of expenses. Should we do 40% or not?

non-work related here - is anyone here married to a creative? Person I was seeing was a typical ‘hot shot’ consultant - assertive, would be great at debates, very perfectionist, very fast thinker. I on the other hand am a lot more collaborative, think there are always multiple solutions, a lot more reflective in my work processes. Wondering if such a pairing could work? I really liked him and he was a nice guy, just hoping to hear from couples who have ideally been through something similar

Did anyone attend the black men in tech event this weekend in ft Lauderdale. How was it overall, thinking about attending next year

Hello Everyone, I need your suggestions. I worked as a Software Tester for 1.3 yrs during the beginning of my career 2006 till 2007. I had moved into ITSD because of some family issues that made me move to my hometown. I have about 10yrs experience in leading and Managing SD teams and handling Change Management, problem Management, doing quality control etc. I wish to change to Testing now. Is that a possibility? I find roads getting closed and I don't want to go into Ops management.

It’s Friday 🎉 what is everyone doing this weekend?

Any thoughts on TPGY. It's been moving in 10-12 range due to pending merger news. evbox is still very strong play so I am tempted to put in some dough.

Is it worth getting some apple stock before or after the split?

What’s better for a short term savings goal for a risk-averse person (looking to put a down deposit on a house in the next 3-5 years) - split funds evenly in ETFs/Index funds & HYS (HM Bradley) or majority in the former?

🐟🐠Best investment book recommendations (stocks, real estate, fundamental analysis etc.). Any books that will really help me to get smart on investing and stock analysis. Also, best trading platforms?

Hypothetical: let's say I take 100,000 today after my taxes and invest it in a brokerage account for 30 years (I'm 25). If we assume 7% interest rate it comes out to be 750k. If I draw below the 80K threshold for capital gains each year (married filing jointly) then that whole thing is tax free right? Am I missing something? I know we need to assume taxes stay the same/similar, and I can live off of 70K at 55. But anything else?

I recently inherited ~$200k in cash. Any thoughts on how to invest it? It puts me over the accredited investor limit so private deals are on the table. Thanks in advance for your thoughts.

To those of you who invest excess HSA funds, what do you normally buy?

I’m considering just VTI or VOO. Theoretically I won’t need these until retirement related medical expenses. Should I be concerned about unforeseen medical emergencies?

For reference, I just transferred by HSA balance that’s been piling up into a new brokerage account. It’s about $3,000, and I left $200 in my HSA account associate with the debit card. I’m 27 and incur basically no medical expenses.

Best personal finance/ investment podcast?

Anyone have experience with personal capital advisors (or any other recommendations) ? Spoke to several others before but never gone with any as I have always invested through retirement funds or in real estate but now want a little more market exposure. For context, nw 850K with 30% in retirement funds, 50% in RE

Do you consider college savings funds as part of your net worth? I can see why you would but then your net worth would decrease pretty quickly once your kid(s) go to college.

My portfolio is up 7% today. Is there something I am missing? Why is market up today?

Anyone had luck having the homeowners insurance cover hurricane window damage? Based in Jersey city where Ida hit recently and the windows leak now as well as get stuck and don’t open without a hammer

Survey- How much your equity portfolio is down from peak. Worst sector in terms of loss, what s&p level when you plan to jump back

What’s a safe place to invest money in Roth IRA? I’ve maxed my contribution for the past 3 years and invested in S&P500

Struggling to find a cost efficient way to invest in sp500 from Europe. What are people using? Ie something similar to what Fidelity offers in US.

Bought 44 shares of VOO today, feels good!

I have 20k in HYSA and 7K in stock brokerage. I am looking to buy an investment property in the next year or two but need around 50K for a down payment. I want to direct 20k yearly into my 401k for tax benefits, but is it smarter to keep it in an HYSA to use it for the rental? Can I liquidate the 401 to buy a rental or are there hidden fees/taxes?

All hands on deck for dogecoin!! 🚀🚀