Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? 

Is this a good time to move from pre-tax 401K to Roth IRA? We have been one income family last 4 months but I still expect year income to be in $250K-$270K range. Considering conversion for $40K amount.

Who’s buying Dave Portnoy’s BUZZ ETF this Thursday?

How serious are the independence/investment declarations while joining Big4’s in the U.K.
My parents have a couple of minor investments in the stock market. Do I have to include my parents investments even if they are citizens of another country and invest only within that country?

Can anyone explain how much you actually need in retirement? Calculators widely vary. And the “10x earning” is kind of crazy to me, if you continue to advance in consulting and make amazing $.

Does KPMG’s federal healthcare advisory practice get Veterans Day off?

My husband and I have saved up about $80K and it’s just sitting in our bank account. We thought we were going to buy a townhome but with the crazy inflated prices we decided not to since we like where we live currently (location could not be better and rent is crazy cheap at only $700 a month). How should we invest our money in the meantime while we save up for a house?

How much money have you lost? Misery loves company

Anyone else into Bank Bonus churning?

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

What price did you buy your bitcoin/litecoin/ethereum at? Have you sold any?

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

If you could right now, would you buy a house in full cash or invest in the market?

Holding my BTC in Bittrex. Should I move this off to an online wallet before the form in 10/25? If so, any recommendations?

China holds ~1 Trillion dollars if US Debt. What’s stopping the US from canceling the debt, setting up a CV-19 aid fund, contribute 1 trillion to it and start paying all countries affected?

To take advantage of the next big economic downturn, should I set up a Robinhood or Charles Schwab account?

Hi everyone I am asking for referrals for CVShealth and United Healthcare. There a few positions I have my eye on. A referral would be appreciated thank you Stay cool out there

Practical advice on how to deal with a mansplaining colleague?? 🙄

Thoughts on PERI? Looks undervalued compared to MGNI and APPS

The pandemic has brought misery for a few sales organizations and unforeseen opportunities for a few others. How many folks out here crushed Q2? If so by what % did you exceed your quarterly quota? Did someone have their best quarter till date? Let’s celebrate some accomplishments!

Is technical accounting lucrative? Trying to decide between various exit paths.... any cons?

I am in a period of growth in my role (in house and getting more exposure to top management) - im grateful for it but I also have constant anxiety during and after work hours. Does anyone who’s been in a similar position have tips for riding this wave? Hoping it’ll get easier.

Can anyone help with USI onsite GPS first year manager salary range in US?

Thursday Wordle

Wordle 474 2/6

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For the past month, while I'm booked for 45 hrs, I'm only getting work of around 2-3 hrs from the onshore.
Should I raise this issue and if yes, to whom?
(It's my 5th month at gds)

I have often wondered if being honest when I fill out EEOC / diversity forms if that limits me from new work / promotions. I used to be able to hide my disability, but it is progressive so now it's not as easy to hide. Thoughts?

I am having an interview for big data tomorrow for 3 yoe..any suggestions?

Does Pepsi not pay well? Just got quoted pretty low for an internal Strategy role.

How long were you a senior in FDD before things started to click? Really enjoying everything so far but feel like I am behind my peers. Been about 7 months now.

When will the Hike letters be out ?

Hi All, newbie here to real estate investing. I have a primary with about $180k in equity and want to A) Get a larger primary in about 12 months and B) Acquire a cash flowing rental asap. Would you try to cash out refi and buy an investment property now; cash out and rent out your current place and buy a new primary or sell your current place and try to get buy a small investment and a new primary?

Anyone in Corp Dev M&A? Received verbal offer today and it was a total boner killer that sounds non negotiable. Offer came thru random guy in HR vs hiring mgr/director and seriously considering going around hr cause the guy sounded lazy asf.@

Would like to understand market comp for in office CD roles, 4+yrs m&a experience and 25-40 advisories under belt. It’s an F500. Basically a pay cut of like 60-75% lol, idk if they’re testing me or serious. Edit: Happy to give any additional details.

Is the SAP practice in India at PWC any good?

Hello I'm looking for a job preferably in Apparels industry. Used to work as a partner in a brand where I used to handle almost everything which included sampling,branding,sales and marketing,sales, customer satisfaction, transportation, payment follow ups,tally, etc.

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

If you could right now, would you buy a house in full cash or invest in the market?

Should I put $20K towards my student loan balance of $230K before the no-interest period ends or max out my 401k, which I have contributed nothing to this year. I’m 25. Employee matches 4%.

Hey fishes, i need advice as to how to invest 200k? Should i go for individual stocks or funds or should i go to financial advisor? If individual stocks then looking for sectors. Can i invest as a VC? Any thoughts or direction please

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

Poor, clueless 23 year old here. Any tips on how to balance retirement savings with short-to-medium term savings goals? (Wedding, MBA, car, down payment).

I currently max out my Roth IRA, but don’t max out my 401k. If I did i would have nothing left for liquid savings. Any tips?

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?

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

I finally at a place where I could buy groceries without checking the prices. In the past I wouldn't buy something I so desired if it's a bit pricy.

Anyone a CFP as a side hustle?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Anyone here from NYC? Be cool if there was a meetup.

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?

I am looking to start a brokerage account but I’m not sure where to start. What would you recommend as step 1?

I just hit my lean fire number but am hesitating to pull the trigger, so was hoping to run it by people smarter than me:

- I have a few rentals that bring in ~$1800/mo cash flow, taxes are negligible, Capex incl.
- My paper assets will bring in ~$1200/mo at 3% draw
- I get free Healthcare at the VA
- No plans on kids
- My expenses haven't topped $30k/yr ever
- I could always reenter the workforce if needed (albeit probably not in consulting)

Please point out the flaws here, what am I missing?

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!

Do you DCA or lump your December & April bonus into ETFs?

Learned on the day of the deadline to enroll, that my partner's employer offers voluntary participation on a deferred compensation plan. First time I hear of such a benefit/option after working for years! Any general (i.e. not plan-specific) lessons-learned, gotchas, pointers to offer as we will have to quickly decide to enroll or not?

TIA!

Decided to payoff my mortgage.