Over the last years I’ve worked at a couple of agencies where I’ve felt really old. I probably am 15 to 20 years older than than most of my coworkers. I feel really out of place and I don’t know how to cope with that. It’s like ageism, but from within. I wonder where are all the other people of my age? I can’t just retire and disappear, but I just feel that I don’t belong to the agency world anymore. Have you had a similar experience? What is the way to deal with this?

Hi! I’m doing some research on employee benefits (medical insurance, 401k, HSA/FSA, commuter benefits) and was hoping to connect with People specialists or HR professionals in the comp & benefits space. I’m trying to better understand any pain points or challenges you might face with utilization/enrollment. Anyone interested in connecting? Thank you!

Will vs Trust:

Which do you use (if any estate planning) and why? Recently talked with a layer on getting a will and they are trying to steer me to a trust.

Demographics for ref: 30, live in GA, unmarried, no kids, no real estate (yet, planning to buy after market cools). I don’t envision I’ll amass a ton of physical assets over my life so really just need to say where my various $ accts go (401k, pension, IRA, etc)

Trust cost was $2,900. Didn’t give price for will.

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Both me and my wife maxed out company match on 401K but are below the annual limit. What are our options now to take full advantage of the annual limit? Neither of us qualify for Roth IRA.

Are 401k’s really worth investing in these days? What are the % returns you guys have been seeing for the last few years? For those that have been working before 2008, how much of an impact did the housing crash have on 401k and how much did the recent COVID pandemic affect it?

Has anyone negotiated a 401k match to begin immediately? I have a great offer but a 1 year wait. I’m super focused on building retirement and really don’t want to wait for a match.

HNY all! I have multiple rollover and traditional IRAs, as well as a solo 401k. But (since I started paying attention to this kind of thing) have always been over the income limit to start a Roth IRA. I’ve also not done much contributing in the last few years due to purchasing an apartment and saving for renovations. Cue pandemic joblessness... if married filing separately, would you say it’s a good idea to start a Roth while under the income limit, even in this climate? Any reason not to?

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

I have an issue: just been informed by compliance I have a violation. Using a brokerage restricted and at this point I am at a loss. I sold off all my stock just to comply. Then put the only stock I kept with the broker, the other one is my wife’s employer 401k savings broker. The instructions say they will reach me within 90 days for next steps. It also says there may be financial penalties.

What should I do? I replied the email immediately asking for help. I am a new to Deloitte and the US

My dreams of retiring in 3 years have disappeared with the stock market decline.... Unfortunately, my retirement income sitting heavily in 401K.😕 Anyone else feeling the same?

Hi all- new to fishbowl. Not really sure how to use and explore the app yet but I saw this bowl and figured I would introduce myself. I am a wholesaler for 401K and I am able to partner with advisors who currently uncover 401K opportunities or are looking to learn how to. Reply if you are an advisor in the NYC area and interested in learning about how to expand your business.

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

What are you doing for a retirement plan as an independent consultant? Solo 401K, SEP IRA, etc.? Any recommendations on where to open an account?

What percentage of your monthly pay do you invest in the stock market? Complete noob trying to get started with investing. I already max out 401k and have a rainy day find in place.

Thinking about making the switch to BDO! Is there a traditional pension, like in B4?

What is the future value proposition of the 401k Advisor in your opinion?

Hey Fishes,

Can I retire from Pwc if I want to??

I'm really feeling afraid about joining since I see max people leave after 2-3 years.

I want to work for 6-7 years at least. Sorry if this seems like a dumb question.

I'm just curious since I've seen people working for 20 years in TCS, but I don't know how it is in PWC.

Any help will be appreciated

Is an MBA really worth it?

What does an online MBA look like in terms of class time, work load, realistic time to complete etc?

What’s expected bonus (% of annual CTC) for VPs (Non IT and IT) this year in JPMorgan Chase London considering market conditions and attrition within the firm?

Hey you all I have 2 offers on the table, 1st Wells Fargo premier banker 82k a year, 2nd chase national branch financial advisor 86k. What company it’s better?

Whats the CTC for a Product Technical Analyst at Zycus?
I have a experience of 1 year as associate support engineer.
Whats the CTC that i can expect here?

Hi all,
I am tech guy with almost 3yr exp, but I want to switch to a Management role. Going for an MBA is not possible for me. I was wondering about the possibility to switch to a management role within the next 2 years without an MBA. Company/Brand is not a bar for me.
Can somebody please suggest how to do this?

Don't miss out 2023 Global Diversity and Leadership Conference on November 1 - 3, 2023! Recommended by Aché Lytle at 2022 NPA Annual Conference via Whova event app

Any managers in modeling / valuation ever directly switch into BB IB associate?

What is average CTC for Scrum Master with 13 years experience in IT and 5+ years as scrum master

Fish who did an MS in Supply Chain do you regret not doing an MBA instead?

Hi y’all! I have a cookie business that operates under my stated courage food law. I am interested in getting into corporate gifting. Does anyone have any advice or insights on how I might be able to make that happen?

Hello Fishes, Can someone please help me with a referral with an Investment Bank or financial services ?
Work experience -2.5 years experience
CFA level 2 candidate and MBA in finance
Help with a referral please

Does Adobe give any welcome kit for new joiners? If yes, what do they give?

Friends Nasdaq , Cardinal health, Hitachi vantara and Anz . Can someone help me with best out of these companies based on your experience?

Anyone with insight on Tyson Mendes?

What DFS sports do you play?!
What are your typical stakes and number of entries?