Should I be contributing to my 2020 or 2021 Roth IRA currently with 4k left to invest?

I’ve got cash that I want to conserve (for bschool) and my time horizon is 1 year. It is currently all sitting in a HYSA. Should I bother moving it to a higher return investment and if so what would that be? Thank you!

What is a simple way to explain to my boyfriend that investing in equity with an expected return of 10% is better than paying off debt that is growing at a rate of 6%. He has student loans and is adamant that he wants to pay all of them off immediately before saving any retirement money. I understand that many individuals use this strategy but I think investing in index funds for the long haul is better from a wealth accumulation perspective, without even factoring in tax implications of 401k

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Just got a little tipsy and impulse-bought a $2,000 82” tv. Hope it’s worth it.

Thoughts on staking crypto? What’s the safest way.

Can someone please explain the process of selling a home when you have an Islamic loan? Since it’s profit sharing i don’t fully own the home right? So if i sell it i can’t take full profits since i don’t own it outright. I’m considering Islamic financing but have so many questions about it. Can you take an equity line? Can you write off mortgage interest?

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

It’s been an interesting 24 hours. So, you know I got out of the VIX Puts at 26 with a small loss. I bought a few DIA July 15 calls at the low at a 309 strike .13 so I did better than I would. Trading the technicals now with DIA and C Puts.

Can someone please for the love of god help me figure out how I can pay less income taxes? I only make 88k and I put the 12k standard deduction but I’m still getting taxed 27% of my paychecks! My sign on bonus (20 even) a few months ago was taxed nearly 45%! Excuse my ignorance, but am I doing something wrong? Will increasing deductions help or should I increase the withholdings? Is this normal?! Thanks for any help/advice, it’s greatly appreciated.

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

My wallet got stolen month and a half ago its worth 700K today .... By the way money invested was 10K only.

Was disappointed for couple days because it was my mistake for not paying attention to the scammers.

Back in the market and recovered the losses and money invested, isnt this an amazing bull market!!

By the way im not rich so that money would have gave me a life change.

What should i ape on next fellas?

Well, its a good thing I sold ARKF when it was $55 last year

Do people make money day trading crypto or is that exclusively an Instagram scam?

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!

Not related to consulting but anyone has experience with ratehub / canwise financial as lender for the house mortgage? They seem to offer better discount on Prime rate compared to the big 5 banks.

Didn’t realize crypto had MLK Jr sales too! 🤑💰

What are everyone's thoughts on making the Monthly Child Tax Credit permanent? I think it is an important step to care for the families in our area, but I know not everyone believes in this program

Is retail quant trading on a massive rise?

Can anyone that’s moved from FDD to LMM PE share their experience? Interviewing at a newer fund with 250m fund size <10 people. Anything I should be thinking about to assess the quality of the firm?

Does anyone mind looking over my resume and giving some feedback?

Anyone know much about the start up scene in E Africa? I hear a lot of general talk about how it’s ‘booming’ but can’t find much information online. I’m in a weird position where I’m trying to switch into tech but am moving to Kampala for the next year. I am applying now to remote jobs in the U.S. but would love to connect with companies operating in the region.

Hi everyone! Does Mackenzie hire people without an MBA degree or any Master's degree?

I’m entering salary negotiations at a Fortune 500 company and am looking for trustworthy resources for salary data that I can share with the company if they ask where I got my numbers. I know Glassdoor, but what else?

Has anyone worked for McCann on the Phexxi/Annie Murphy commercial?

Hi All! What does that mean when hiring manager responds back on follow-up email, saying “I’ll keep you posted on the next steps”Are they still considering or is it just a new way of rejection?waiting is so painful. :(

Any recommendations on where to go to brush up on your Boolean search techniques? I’ve been recruiting for 10 years, but admit I don’t know the latest ways... for example X-ray

What is the process for getting a green card, if a US citizen marries someone already in the US on a student visa? Any tips

Are cover letters important if they don’t ask for one? There are so many job postings and applicants I can’t tell if they would be beneficial to show effort or just a waste of time to write with how little time I assume people are looking at applications with the mass hiring going on. If I should be writing one, any advice how to format?

Can someone suggest good material for full stack web developer and any platform to learn and get good real life experience

Most expensive expensed dinner?

Anyone who exited to PE ops able to speak to how their experience has compared with consulting?

Hi Fishes,

I have got offers from SAPIENS and NETCRACKER for the Position of Java developer. Both are giving almost same CTC of 26 LPA.
Kindly help me with your suggestions for the organization to join in terms of better opportunities and growth.

Tech Stack: Java, Springboot, Hibernate, SQL
YOE: 5 years

How important is the border issue for you all when voting? My first time being so close to the border, and I still don't see how it's such a big deal smh

Hey All, I'm new to SD. What are some of the top things I should check out, do, or see? I'm open to anything

28F looking to move to SD in the next 6 months from DC and wondering what dating in San Diego is like?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

2017 Lexus IS 200t F Sport for 32k plus taxes...? (33k miles) Yay or Nay?

Folks, investing newbie here. Planning on using the Bogleheads recommended 3 fund portfolio. Opened a tIRA with Fidelity and have been reading about their 4 fund portfolio which is in line with Bogleheads.
Question: I'm looking for a step by step video on how to go about selecting investment options. As a newbie, I know what I want to invest in, but I'm not sure how to do it. Any tutorial videos that walk you through the process? E.g.- click here to select, click there to confirm.

I’m 28, debt free, make $70k/yr in a MCOL city and have a net worth of about $140k. I want to buy a house, but most houses in my area are $300k+. How many times my income should I shoot for in terms of house price? Thoughts on paying say 10% down and then just investing the other 10% vs paying 20% down?

I am pretty conservative w what I invest in (pretty much all vanguard ETFs). If I wanted to take like $5-10k that I have in cash and buy stock(s), what would you recommend?

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Best investment platforms with minimal fees and sign up promotion? Currently in Robinhood and thinking of Charles Schwab or fidelity.

Advice & resources? My spouse and I are starting to make good money (ages 28 & 31, $105k & $70k) with $10k in savings (we were hit hard financially this year) and 2 car payments.

We live in a cheap apartment ($1.3k) that is sh*tty. Don’t quite have a down payment (especially not in ATX). Is it dumb to rent a house for a year at $3k/month while we save up again?

We both didn’t come from $ and are figuring out how to not be idiots 🙃 tbh we would prefer to rent forever but that feels dumb???

GME and AMC are not doing well today 😂

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

What's your target retirement savings? Target age? Combined or single?

24y/o, salary of 65k, contributing 7% to both Roth and Traditional 401k (about 350 each month) any recommendations on whether should keep contribution or alter it? Thanks

How much do you keep in the bank vs brokerage?

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

I have $200K in betterment for automated investing (eg 90% stock 10% bond) and use Personal Capital to track all my accounts. Recently personal capital approached me to use their advisory service to manage the investment - the fee is 0.89% vs. 0.25% at betterment. They don’t seem to have a better strategy except “we have a live person managing your investment”. Anyone have experience? Shall I consider it? (I don’t have time /energy to manage it)

What might be the ripple effect in real estate? When is a good time to get in?

Best provider for good rates on used car loan?

Considering opening a 529 plan to fund my MBA in the future, is that possible?