Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Best cash back card to use in conjunction with CSR? Thinking about freedom unlimited (1.5%) but not sure if other cards are worth it. Don’t spend enough on groceries for the blue

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

My 2022 w-2 has states tax paid in California. But I was living in Illinois. I have paid more taxes per my w2. Do I need to file state tax for both IL and CA?

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

Hey all. I've got 30k cash to spend on a new car. Any feedback on the following 2017 Lexus rx vs 2018 acura rdx vs 2017 audi q5??

Anyone know how to transfer your 401k after leaving acn?

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?

Happy early Thanksgiving! I launched a free investment network with startups seeking capital. Please sign up as an investor or entrepreneur and take a look at our 50+ pitches and everything is free. Appreciate the support and happy investing. This is my dream and really appreciate the support.

Link to site:

How does the housing market work exactly, like, what determines whether prices go up or down?

Let’s say you have two young, high income partners in a couple who want to buy a house together but don’t really care to get married. They already live together in an apartment but both want to move to a house to build equity and have a yard, not share walls, etc. Should one partner buy the house and the other pays rent until they get married, or should they get a mortgage together without being married? I realize there isn’t a “right” answer but I’m interested in people’s experiences here.

Thoughts on the new Chase Freedom Flex?

planning to sell my 2 BHK flat in Rahatani , near kokane chowk..if anyone interested ping me so can share the details. Thanks!

Need help! I am a working mom of 2 young kids. I have an offer for about $25k more than I make currently outside of public accounting. It’s 40 hours year round, amazing benefits, with a pension (cont)

Planning buy Audi Q7. Dealer says there are no rebates and offering the car at MSRP. I know we can get it for much lesser. Any tips about negotiating?

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

I’m passionate about gaming and I’d love to join the industry, but I’m wary because of some horror stories I’ve heard about working with big developers. Has anyone here worked with a Triple-A studio?

Hi fishes, I have a few questions about employment with Nokia for the role of Senior data analyst.
1. How is the company in terms of growth and learnings, for data analysts?
2. How much shall I expect in terms of salary and benefits?
3. How about work culture and wlb?

I have 12 YOE

Currently in industry at 135k salary, poor healthcare, amazing wlb, a month of parental leave, work is okay.

Considering data science roles at :
return to Deloitte aim for SC in GPS
trying out EY GPS aim for SC
Gov job range is 100-120k and would need to negotiate up pto otherwise I’d for sure decline

-any perspectives appreciated

I get really giggly when I’m nervous, and laugh at basically everything anyone says. It makes me appear quite immature in front of client & coworkers... Any tips on how to calm my nerves?

Hi all
I am a senior system engineer with 3 years of experience in ReactJs.
I am desperately looking for a change right now.
It will be greatful if I can get few referrals

Hello Everyone, Can anyone please give any referral for RPA Developer (Power Automate/ Automation Anywhere) YOE - 2.4 Years Thanks....

Favorite excel formula?

Hi guys looking for a job switch after 3 years in TCS Highly appreciated if anyone can provide me referral in infosys.

Profile : Data Scientist ML(Computer Vision, NLP)
Relevant YOE: 2

I do not like HR work, should I be aligned to HC? I’ve mostly worked on process design on large transformations and do not feel like I need to be an HR guru in order to understand the business process

My end all be all goal right now is to eventually run my own private wealth management firm.
My question is though: Should I try to go straight into private wealth out of college and become a private wealth associate, or take a different route, and start as a base level financial advisor to get some general advisement background?

Hi all, I have an offer of 12lpa from tiger, however the other offer that I hold is 13 (11 fixed and 2 variable). Would it be wise to ask for a counter offer? (4 yoe)

I joined Tiger Analytics 1 month back as Analytics Consultant but still have not been allocated to any project. How long does it generally take to get allocated ?

Ever had one of those days where everything is just making you cringe so bad, to the point all you want to do is sit on the ground and cry?

Today is one of those days, and even when I know things will get better or "this too shall pass", I am sad, I can't enjoy whatever good there is...I feel powerless.

Folks
A genuine suggestion needed
Is work pressure high in CGI? I have been told that working in Capgemini is not going to be a good option as it does not give as much as lineancy like other Service based company does

Is a 49% debt to income ratio doable for someone who lives very frugally?

Accepted an offer with BCG! Looking forward to the transition next month. Will be in BCG Federal. Anyone in this bowl also in federal?

Found out today my toxic manager bad mouthed me to an HR rep in a different division. This correlated with his bad management and abusive behavior. Luckily the new manager I’ll soon be working with dismissed it. Her words of wisdom “reflect on what you could have done differently, you can only control your actions”. How does that resonate for you? Have you had similar experiences?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

Anyone have a recommended tax person in Chicago?

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

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.

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

Have about 5k to invest - should I do FXAIX or FSKAX?