Recently got about 15m. But my partner and I spend about 450k/year in a HCOL area. The reality of retirement if we want to build wealth, live well, and not draw it all down seems far off. It’s all a trade off!

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Do you prefer the Westin San Francisco, or the JW Marriott for leisure travel ? or any other Marriott hotels in San Fran?

Is there a website to get US tennis open tickets without paying the fee?

I am looking for wine decanter tags that are writable. I’d like to find a vintage looking silver option, but they all require engraving. I’m looking for something writable that I can change the label on when I host wine parties and I have a couple decanters on the table. Anyone have something similar and can share a link with me? I’m struggling to find anything that will work, other than writing on clear tape with a sharpie marker 😐

Have 2 $100 Southwest luv vouchers, need to fly before 7/28. Selling for $150 OBO

Hi All,

Hope you all are doing well..!

Iam looking for a job change could anyone help me out with the job..

Current profile working with Othain software services private limited experience in Accounts payable holding 8yrs of experience.
Key roles invoices process, payment, calls, reconciliation, monthly report.

My background is in Visual Merchandising, and I am currently working in Merchandising Space Planning at a corporate level. How do I transition my transferable skills into E-commerce Site Merchandising to be specific.

I feel we have finally bottomed. It's been 6 months and $6000 support have been pretty strong . We dipped below briefly then bouned back

Can you share the resources or sites like leetcode to help prepare for interviews for 11 yoe experienced ui developer?

How to tackle gap periods in IT interviews?

This is 🗣 #ASpaceToVent
A thread for venting, asking for community support and feedback, or just being witnessed on something that needs to be shared. A space to say what you can't say elsewhere!

My team is looking for 1-2 senior UX Architects in Chicago. Growing global ad agency. Major clients and work that actually gets built. Axure highly desirable, but not required. Details in comments

How did you find out what you want in life? Feeling lost mid-career..

Should those of us who write code be taking a moral/ethical responsibility for what the code is used for?

Hi fishers, Can we renegotiate salary with Cognizant HR? If so what should I keep in mind as I am intend to join CTS only As the other offer which I am holding needs relocation I have already accepted CTS offer letter.

Cognizant -16. 4 LPA including variable--

Have another offer with 21 LPA all fixed.

Thanks in advance.


Cognizant Cognizant Technology Scientific Games Corporation Wipro Tata Consultancy

Do you avoid going to shows and concerts that restrict use of electronics? I want to go to a comedy show during the week, but there's a disclaimer that they kick you out If you're checking phone/smart watch, etc. I'm also thinking of shows where they put your phone in one of those dumb locking bags

I am currently looking for a mentor and not sure the best way to approach finding one. Any advice?

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 %?

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

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.

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?

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!

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

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 😂

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

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”

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

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

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?

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

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

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

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?

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?

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.