Should I frontload my 401k this year and contribute 80-100% of my beginning of year paychecks? I’m 30 and can afford to, but I’ve always just spaced it out in years past. It’s just a traditional, no Roth option where I work unfortunately. And does this answer change if I switch to a new job mid year?

like
Posting as :
works at
You are currently posting as works at

IMO time in market is better than DCA

Related Posts

Is it possible to work 1-2 years as a junior associate at a super boutique doing a combination of fraud/abuse and transactional work in the healthcare space and then lateral to biglaw to practice securities law? I’m happy doing health law, but it’s not what I want to do long term and I worry the longer I stay in that space, the harder it will be switch to the kind of law I truly want to build a career in.

like

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?

like

Guidehouse 🐠 on the healthcare team: What is the salary range for a Senior Associate? Ive looked online and it seems it can range anywhere from base $ 97,000 - 107? Any insights? Thanks

Uber credit card vs CSR?

like

As some one who’s on the left political spectrum, there are some things I just don’t understand

1) What is genuinely wrong with universal, free healthcare provided by a government entity ?

2) Why is there opposition to taxing the super rich at 70%?

3) Is it not clear that electoral campaigns sponsored by corporations are problematic for a democratic society ?

4) Everyone says “get an education” but that’s impossible with high costs. Why not make tuition free of charge ?

like

What's everyone's thoughts on job hopping? How frequent is too frequent? Are there any benefits to frequent hopping?

like

So I’m thinking of taking a pharmacy tech course at my local community college. I already work in healthcare on the admin side (authorizations, front desk etc) & looking to get a certification that’s quick & don’t have to go back to school. How is it being a tech in the hospital setting? What other paths are there for techs? How much can you make? Or are there any other short certifications that would make more money?

like

Are there any project managers or communications manager here working in France? Can you share more information on your compensation package and benefits ? Thank you!

like

Anyone have any tips or ideas on how to collect money owed from a client? In a few months it’ll be two years since the debt was incurred. We send monthly reminders of the bill. It’s a significant amount (well to us) and the client is now starting to open up and telling everyone about the situation that we helped to resolve.

like

What blogs/books/resources should I seek out if I want to make the transition from passive trading (index funds/buy and hold blue chips) to more active trading (options, speculation, spending a few hours a week researching, etc)? I’m looking to turn my investing into more of a side hustle

like

Anyone here retire in late 30s or know someone that has?

Hello Gang, Trying to evaluate a offer I just received. The offer need to relocated from Minneapolis to Palo Alto area. Tech company. HR roles(title downgrade). YOE 6. Base comp is 125k with 10% bonus and 15k RSU. Not sure if this is enough for married couples, early 30 no kid but plan to have family. Total house hold pretax 250k. We feel this might not be enough from the post we see. Should we make the move? Though please

like

Hi All,
Iam Military veteran, served 15 yrs in Armed forces. Unfortunately laid down by current company in Aug 22. Friends if any relevant openings available please suggest.

Skill- Administration/ Healthcare Management /non technical/support team

Industry - Healthcare/ Wells Fargo/Citi bank

YOE- 18yrs

Location - Open

Thank you!

like

Best cards in Canada for points?

like

How do you handle if both j1 and j2 offer health insurance or 401k? Do you decline if they’re the through the same provider?

like

I am two years out from my end of enlistment. Is there anything I should be doing now that you wish you had done at this point?

Side details: Family of 4, own a home, no consumer debt other than my home, I am a few classes shy of my MBA (still actively pursuing and will have it by the time I get out), I live near an area with a ton of corporate offices and headquarters.

Thanks for your time and feedback!

like

Hi Fishes,
Can anyone please help me in calculating in-hand salary?
I have 1.5lac investment under 80C
and 96k for house rent

Post Photo
like

My friends (especially the ones on H1b visa.. since our immigration process is tricky),how are you planning to report taxes on the coins you are HODLing or have in exchanges outside US (say binance)?

like

So I’m an undergrad starting as an associate in consulting at PwC without a business background, I have really strong clinical knowledge and have been hired for healthcare consulting but I honestly don’t know the basics of accounting/finance/data analytics. I feel way over my head, any tips on how to give myself working knowledge or books I could read would be GREATLY appreciated!

like

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

like

More Posts

For folks who are transplants, are you happy here?

like

Hi All,

I have cleared all the rounds with @wipro and it's been more than 2 months i have not received my offer letter. HR is saying that we are still waiting for the approval.

Can anyone please suggest. What I can do here.

My last day at Accenture is 6 Feb and I'm still waiting for my offer letter from Wipro.

skinless chicken thigh still has skin on it...are the nutritional counts accurate?

There is absolutely nothing worse than pounding sand at your desk, being bored as hell, just for optics to show you’re in the office bc you’re required to be in the office. What a giant waste.

like

Accenture India referral program. Please let me know if anyone looking for a change and be willing to join.

Post Photo
like

Under what circumstances is it justified to quit a well paying, stable, good consulting profession without any future plan? I have a comfortable life but no happiness. Should i jump ship and take the risk of drowning in the hope that I'll learn to swim?

like

Any good book recommendations?

like

Hello fellow HR pros! I really need your opinions on HR certifications. I am deciding between PHR and SHRM-cp. I have read just about all there is online comparing the two and can not decide. My heart is telling me PHR, my mother in law (an HRBP) is telling me to go with SHRM, as it’s more widely recognized, more established and a larger network in general. I work for a 350~ company who is growing rapidly through M&A. Passions/interests are compliance, strategic vision, M&A, branding and culture

like

male fishies: where do you guys buy your ties?

like

Larsen & Toubro Infotech I got a mail for Digital Handshake Session from Larsen & Toubro Infotech ? As my joining is after two weeks.

What is that ? Anyone attended this recently?

Kindly share your views .

Thanks

like

Hello WebDev🐟s ! I come in peace. I have a concept for a personal project Im trying to make that requires some Web Dev magic - is anyone open to talk to me, hear me out and please let me know if this is even possible to do? Would be really appreciated

Who thinks this?

Post Photo
like

Has anyone got any opinion on Apollo Global Management, LLC, specifically the London office debating on taking a credit trading job? Figured I could do my cfa and switch to credit research internally

like

Does anyone know a hidden gem for dress shirts and suits? I haven’t found a good place that sells the clothes with the slim fit I like for cheap. H&M is like the closest place I found that is cheap & slim fit but it’s not that great if you’re 6’2 or taller … I’m guessing the best option will be to find a local tailor 🤔

likehelpfulfunny

I work Within tax group at KPMG and want to change my career on to the paths of project management. I have some knowledge and experience that would transfer . Any tips on where can I start from? What would be some good companies I can apply to?

like
like

What’s on buy or sell list going into the long weekend?

like

I see my role changing as an interventionist. We have implemented Walk to Intervention. It takes some pressure off. But it also seems I can become obsolete

like

Recruiters—if you have no creative training, how do you judge which books get sent to the creative directors?

likesmartfunny

Additional Posts in Personal Investment Chatter

26 years old. Thinking about doing Grad school in 2 years. I have been doing Roth 401k. Should I keep on doing that or switch to Trad 401k? Info on this is so mixed :(

like

Mention your top 3 stocks

like

Best investment book recommendations?

like

VTI, VOO, or VTSAX - which do you all prefer and why?

like

Blue Prism stock ($BPRMF) on the rise again, with seemingly nothing but good press. Does anyone have insight or a feel on the company’s prospects/plans for 2019?

like

Worth buying VTI today? Every week I am buying and it’s going lower and lower the next day. I bought it yesterday and today it’s 5$ lesser than yesterday!

like

I haven’t used my credit cards in years. They may close the cards unless I make some transactions. Shall I continue to keep these cards?

like

Repeat with me, this is a buying and holding opportunity! 👏🏻

like

I'm thinking the stock market will rebound within a 3 year horizon. I'm starting grad school in fall. I'm thinking of taking a student loan & starting a 529 now, to pay it off in the future. Thoughts?

like

My partner and I are in our late 20s and spend about $6k a month all in in HCOL area. We gross a bit over $400k annually. Is that reasonable?

like

How important is it to diversify your index funds? I have mainly large cap US funds, but wanted to see if it’s suggested to diversify into small/mid cap and international. If so, what are some good ones?

like

What blogs/books/resources should I seek out if I want to make the transition from passive trading (index funds/buy and hold blue chips) to more active trading (options, speculation, spending a few hours a week researching, etc)? I’m looking to turn my investing into more of a side hustle

like

Has anyone here bought land and built a home or completely renovated a new one in the city? Outside of timeline, are there other pros/cons you would highlight? What was more cost effective?

like

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

like

I’ve seen a couple posts lately with comments saying that people should not use a Roth 401k. Does the logic below capture the spirit of that concept?
1. Use trad. 401k to reduce taxable income now. Convert to trad. IRA once retired, then convert gradually to Roth IRA (ladder, SEPP, etc.) at lowest marginal tax rate
2. Use Roth IRA (and/or backdoor Roth) to take advantage of tax free growth and ability to withdraw principal early without penalty

like

How much house can I afford making ~80k/year pretax? Also is it worth it to put down less than 20% despite PMI? I know credit is cheap right now, so I’m curious. TIA

like

Are folks buying homes with 6%+ mortgages? Or waiting till things cool down?

I’m a homeowner and we have a 3.25% on a $600k loan. Likely needing to upsize to a $1.5-2.0M home (VHCOL) because of kids, but balking at the idea of paying $6-8k/mo in interest charges alone.

like

Is watch a good investment vehicle in terms of resale value?

like

New hire out of undergrad thinking about investing/saving—seeking advice. Details in comments: 15k sitting around in checking/savings account with interest close to nothing. Been reading posts here an

People investing in rental real estate what’s your ROI this year? My profit divided by current value is barely above 3% (and that’s with no renovations and 100% occupancy). Should probably sell it and invest elsewhere...

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal