Recently crossed $3M invested (plus a healthy $100k+ emergency fund). I’m 42, and for the first time I feel like I don’t have to save aggressively to hit my long-term goals ($5M by 50, $10M by 60).

For those of you who’ve reached your “number,” what was the mental shift like when you moved from accumulation mode to a more balanced pace?

Just found out that sperm banks pay $70 per donation. I just found my side hustle 😏

Any tips for organizing a bedroom, closet, dresser & bathroom? My teen has IADHD, and low executive functioning. Her room looks like a land mine. Clean clothes are mixed in with dirty, her desk is a disaster, she won’t let go of clothes she’s outgrown, drawers are open with clothes hanging out. A therapist said to close her door if we don’t want to see it but it’s more than that. She needs this important life skill & I don’t know how to help. Easier to organize w/o her but that’s not a solution.

Saving for a home. Should I save my money in a CD or savings account?

Hi fishes, I am new to IBM. Can anyone share when is appraisal cycle period in IBM? Unfortunately I can't get a hold of my manager to answer this basic question for me.

What is the most number of documents you’ve filed at once using Federal ECF? I had reason to look back today, and my record exceeds 170. Reaching that “filing submitted” page is a core memory at this point, but I’m sure it’s not that uncommon?

Just installed UE5, add game developer to the list.

Welcome to the bowl, Please keep your posts focused towards Mastercard and tone as positive as possible.

Cheers 🍻

Any insight on Brewer (either office, generally curious about the firm). I assume comp after year 1 is discretionary, rather than lock-step, given the size of the firm. Would appreciate happiness, horror stories, of whatever “firm culture” falls between the two. DM me if you don’t want to share publicly.

I just graduated from a nontarget in Dec 2020 & am currently interning at PwC before I go back to do my Masters. My initial plan was to accept my full time offer and slowly work my way into IB.

I see postings right now for FT IB analyst programs. Should I even try applying online?

Ik recruiters don’t really read cover letters, but I learned about banking rlly late into college. i’m the daughter of blue collar workers who don’t speak English so I never really knew what jobs were “prestigious”

Is 36 too late to join IB as an associate? Alternatively, can stay in my industry (not banking) as manager.

Do we have Cab facility for NatWest Bangalore??

Signing the US passport for a minor - after writing your child’s name, do you put your signature or just write your name?

I interviewed with PwC for sf dev two weeks back. Last week I called up the HR who got me interviewed for an update on it but she just said that give us some more time we will get back to you. Is it pretty usual in PwC to take this much time?

Hi All, Any update on CTS work from home extension?

What will be the hike % for M leval in EAS IPM ?

Hi everyone,

I have offer from S&P Global as a QA and ZS Associate as a Test Engineer.

Which one is better to join ?

How is hotstar work environment for devops profile?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

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”

How much of a nest egg would you expect a couple to collectively need in order to retire at 40 and live relatively comfortable (not lavish)?

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

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

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

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?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

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

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

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?

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

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

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