Should I make all my 401k contributions to Vanguard Instl 500 index trust? Or should I split between the 500 index and Vanguard Ext Mkt Index?

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The former.

Thanks! Helpful

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Let's make a list....will be usefull for all Amazonians

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Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

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Urgent

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Hi Fishes, I'm in a huge dilemma now. Im currently working with TCS and my CCTC is 10.29 LPA and I hold 2 offers, one with with Bank of America for 17.5 LPA Fixed and with CTS for 19 LPA.
My last date is Dec-30 and I received a call today from TCS HR for retaining me for 16 LPA max.
Earlier,before the call I had Bank of america in mind ahead of CTS for its work culture ,hike %, job security and other benefits. But here in TCS also I have very good role, job security and comfort.Please suggest!!

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What's next after healthcare for you all?

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I currently work in Healthcare as a respiratory therapist for 10 years. I have been at my job, currently, for a little over 5 years. Alongside my bachelors degree I also have a masters degree in healthcare administration. Although, I am happy with my current position as a respiratory therapist, there seems to be not a lot career growth with where the department I currently work in within my healthcare system. I am wondering what doors/opportunities I have if I were to utilize my masters degree?

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Any recommendations for best balance transfer card? Like zero APR for 15-18 months and no fee? Also nice to have points or cash bonus

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Which credit card do you think is the best for ME consultants?

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Thoughts on the new Chase Freedom Flex?

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What is your favorite part about being a realtor?

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Which crypto coins are you putting your money in?

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FIS is giving retention bonus to particular employees. Fortunately I'm selected. They are giving 1.5 lakh and requested me to stay for next one year 😂

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Looking for job opportunity (Data Analysis, tableau, sql, excel, business analysis, change mgmt) yoe 6.5 and cctc 6.5

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Would be nice to know who the new owners will be. It will help me decide.

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Hello All,

Please help me to unlock DM features.

Appreciate your help. Thanks in advance!

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How do you actually pass the Oracle Certification exams? The training videos are, let’s be honest, complete garbage. Is there some studying resource I’m missing?

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Anyone switch from core tax to either advisory or an HR/IFS (internal firm services) role?

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Thanks :)

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Hi,
I am a consultant with 4 YOE and 17 CTC. Looking for a job in product based companies like GSK. Please let me know if you can refer me and also help me understand the work culture aspects of gsk

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Whats wrong with me..i am also not sure if i want marry him..

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You may think he has nothing to do all day. But really he works hard to be adorable.

Post Photo
likeuplifting

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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Additional Posts in FIRE Financial Independence Retire Early

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

likeuplifting

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

likeuplifting

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?

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For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

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What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

likeuplifting

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

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Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

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Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

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Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

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Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

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What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Decided to payoff my mortgage.

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My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
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- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

likefunny

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

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I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

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I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

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Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

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