Should I get an accountant/tax pro? I’m sick of paying for $200 for turbo tax and still having to do all the work. I’m Buying and selling (mostly just buying) equities through multiple brokerages, maxing 401k and accruing interest on multiple checking / savings accounts. Not rly any tax breaks. Would be willing to pay up to ~$400 for some convenience

Favourite money saving hacks? Signed, Broke in New York.

If you were to buy only one, ARKW or ARKK and why?

Weighing whether another year of IB experience would be helpful, or would just make me one year older at the same starting point in PE.
I’m 1.5 years out of college as an analyst at a middle market bank within the healthcare M&A group. Getting worked a lot but starting to operate as an associate on deals. Debating accepting an offer for a newer, lower-MM healthcare and growth focused PE firm. I know I want to go to PE at some point, but what are some thoughts on when you should go?

Where do first year associates / business analysts typically live in NYC? What’s a realistic rent budget?

Received offers from PNC and UBS. Same position. Same benefits. Purely seeking opinions on the companies. Previous experience at EJ. Left to get away from outside sales nature and isolation.

I make $4000/M after taxes and max 401K and spend about $2400 for all fixed costs (rent, utilities, etc). With roughly $1600 left, and with a strong goal of saving as much as I can, what are some recommendations on how I should allocate my money better. I know this is vague but need some better financial planning.

How much are your biweekly paychecks after taxes, insurance, 401k contributions, etc. and how much of each paycheck do you tuck into savings?

Has anyone tried to sell miles or points through one a site. I have a family member looking to do it and I had never looked into. Any experiences? Pros cons

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Did any associates take paternity leave last year? How did it effect your bonus if you beat your "reduced" goal but didn't meet the original goal?

Has anyone here worked with TRS Healthcare (travel agency)? Any recs for good agencies or tips for first time travelers?

If you have a child during your first year of employment at your firm, are you eligible for the firm’s full maternity leave benefit? Or only if you have a child after your first year anniversary? TIA.

Since the Chase Freedom Unlimited gives 3% cash back on dining, does that mean you get more UR points that way vs. using the Chase Sapphire Preferred?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Will we ever learn if our application was Denied because BAL made a mistake?

Seeking a producer running the in-house production arm at an agency for AIR’s next panel discussion. Topic: Best Practices working with Freelence Directors and Sales Reps. Please message me or comment below. Chat is this Monday on zoom. Thank you!!!

Does branding matter a lot? Got an offer with 40% pay pump from a top 30 CPA firm. Don't know if I should accept, but it's not like Grant Thornton is a comparable to MBB or Big4 lol.

Accenture folks...What is the biggest advantage to delivering a PROSCI change management approach vs what we currently do with FORM?

Has anybody else experienced (what seems like) irreversible physical damage from working long hours? I worked about a month of 19 hour days 2 years ago (this was the peak of the season where I worked at least 12 hours a day) and my facial skin hasn't really recovered and the experience really aged me.

Do you guys use Mattress toppers to cool yourself down at night? What are the best Mattress toppers on the market now? I tend to be warm at night and looking for some recommendations. Thanks!!

6’5 here, does anyone have any recommendations on a good desk that is adjustable to a standing desk? I find that a lot of standing desks have a listed max height below 6’5

Some interesting (and concerning) links between covid and myocarditis

1/22/22 Daily Checkin! What’s your work out for this Saturday?

We were not trying to conceive. And I was drinking alcohol like twice a week.
Now I missed my period and pregnant. I am panicking a lot, not sure if I want a baby right now. Definitely i cant deal with pregnancy constantly knowing how much u drinking could have affected the fetus and if i could ever endure the consequences it would bring upon the baby
Help me understand if my baby will be fine or not.

17/13 check in
Upper body day for me!

How are you all involved in your local communities wrt the environment / sustainability / climate / energy? I want to get more involved but not sure what is out there. Any ideas welcome!

Feeling like it's only a matter of time before I have to tell the new marketing dept head that the snazzy jargon just makes him sound like a tryhard and alienates our customer base

What’s the average for a senior consultant in the ESG sector?

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

When your analyst pings you with a text at 2am about the model they're working on: "Done!"

May be a bit niche but: expected salary for product engineering and development manager at Deloitte? 13YOE as a mechanical engineer, currently principal engineer of a global product line. (This is for my husband, not me. Ignore the title/name.)

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

Better to Airbnb out a rental or find a 12month lease tenant?

What stocks are you betting on for 2018?

Thoughts on pionex?

Is there any realistic way where tipping in the US goes away and we start to be like other countries (e.g. Europe/Asia)? Raise the price of the food, pay servers a fair wage, no tips? Just a dream 😅

I'm guessing no because businesses will fight hard against this (customers subsidize wages) and certain servers benefit from tipping as well.

Only other thing I can think of is if everyone collectively decides not to ever tip again and it forces business to change. Won't happen though.

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

Any thoughts on the ETF, OGIG (O’Shares Global Internet Giants)?

It is from Kevin O’Leary’s fund.

Reached theoretical financial freedom (4% of networth covers 120% of my yearly spending)
What should I do?
-Motivation to grind at BCG is not here anymore and honestly the experience here was underwhelming (~1y as a C, lateralled from other firm)
-Still too risky to open own lifestyle business
-Option to exit to industry for a few years at a 9-6 job?
-Option to do some side hustles?

Anything I should consider when making my decision? Any risks I haven't foreseen?

Thanks!

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

What do I need to do to make a few million $ by 35?

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

Saving $20K for an engagement ring by EOY. Should I put it in a dividend ETF to fund the band or is that too risky?

Is it smart to set up an LLC for holding investment properties and other securities?

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

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...