Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

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?

How do you control frivolous spending? Grew up relatively poor and now spending stupid money due to feeling like I "deserve it". I pay off my loans on time but want to pay them down faster.

Anyone else a landlord on a condo unit? Any recommendations for landlord condo insurance? Do I need to look specifically for an insurer that provides this specific plan or do most insurers have an option for landlord condo?

Top 2 cryptos people are invested in LT and why

Anyone have experience owning an LS 460L? Looking at a few 2009-2014s and curious to know if people have first hand issues with swing arms/suspension/etc to help steer the mileage/price point I am aiming for.

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

I have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

For those who cold call on 401k plans, what is your approach?

Fixed ctc 2435000 Lpa with gratuity 3.5k pm and pf including both employer and employee 16k pm. Any estimated what will be take home pm post tax?

What's it like to buy a new car in Dubai? Financing available?

I’m a newb and trying to actively learn about how to better invest my $. I have about $15K in robinhood right now and have another $70K or so in my savings account that I would like to invest most of. I have my 401K with Vanguard, should I open a new account with them or use a different platform like Charles Schwab? Any advice is appreciated, TIA!

How much do you spend on rent in Los Angeles? What do you get for the price, i.e. location, amenities, sq ft?

My strategy for Bitcoin:

Buy low
Get worried and sell lower
Get FOMO and buy even lower
Panic and sell at its lowest
Cry myself to sleep
Repeat

How do you effectively plan for retirement?

Hi all, how did you solve the retirement puzzle?

As an expat, I went on the Degiro for investing at the moment, since the account can be used from all countries.

Was considering to invest also in an insurance, but is apparently not possible if you live abroad and then maybe go back to the home country.

Have any tips?

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

$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?

Any recommendations for resume revamp?

Which is best to join between PWC AC Bangalore with permanent wfh and NTT Data business solutions with hybrid work. Salary is almost same : NTT data - 24 LPA fixed and no variable. Where as PWC 21 LPA fixed with upto 20% variable. YOE is 7 years in SAP SD functional consultant.

Anyone knows when the BCG experienced hire recruiting will restart again after the freeze?

From the GCC. I feel like most non-GCC consultants hate us, local consultants…Why? Differences in values? Politics?

Love how desperate everyone is in this bowl 😆 just discovered it, desperate too, but not in the US

Trying to pay it forward 🐠: brilliant rising Senior at my undergraduate alma mater [Washington & Lee] wants to take a detour through consulting before Medical School. I’ve given the real...[Cont.]

What’s Opus London like?

Can someone please help me to decide between Zee entertainment enterprise ltd and Deloitte for 3 YOE in NodeJs Developer ?

Hi all,

Recently I have completed probation in Accenture, and got offer from HCL, Is there any chance to revise the package? because I have completed only 6 months in Accenture, If I compare CTC of both there is huge difference it's round 10 lacs, HCL offering 60 per hike.

I was on bench in Accenture since 45 days so i started searching outside.

Hi all,
I need your favour here.
Do anyone has job referral for Business Analyst profile?

About me: 3.4yrs of workex-
Worked as a Sales Manager and across sales-Ops. 75% Team management+ 25% Data analysis and interpretation
Want to shift towards more data driven role.
I know advance Excel and SQL fundamentals.
Last drawn Ctc: 14lpa fixed

Any leads/suggestions would be helpful.

Thankyou :-)

Does nagarro send any rejection mail after the interview?

How long does it take for nagarro to get back ?

In Capgemini, having position for Team Lead, Team Manager, Operation Manager, Engagement Manager, Senior Engagement Manager.
If anyone wants to refer please drop your email id in comment.

Hi All,
I am looking for a role change. i have been working with icici bank from 6 months but looking for change to any field with good future ahead.

Help! Needed.

Please let me know if there is any fresher opening or 6 months of bank experience works can work.

Not for sales.

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Anyone in Deloitte Germany who can explain the basics of Empire Time and ESS to me in English? Thanks!

Anyone start later in life? About to turn 32 and my retirement savings are sad.

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

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!

What’s the meaning of life before FIRE and after FIRE?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

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

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

I’m curious why more non-US citizens interested in FIRE don’t go live in a no/low tax jurisdiction even for a few years e.g. Dubai, some Caribbean islands. I get that some people will have family circumstances (e.g. elderly parents to look after) so it won’t be possible for them, but for a significant proportion it will be an option

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?

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?

Today I am 28! Any advice you wish you had at my age?

What stocks are you guy guys buying right now in this market?

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl