Should I pay down my rental property mortgage early? The interest rate is 4.875% (don't tell me to refi, this is the best I can get). I have 17 years left, I am planning to FIRE in 9 years and live in this property (it's a duplex). I have $50k cash right now that I am DCA into the market. Should I just pay an extra $500/ month so balance paid off in 9 years or should I put $50k against mortgage right now? I am a high earner and use the interest deduction etc. To show a paper loss.

Just put my deposit down for a 6 mo wait for a datejust… any ways to speed up the wait time? 😬😳 Want it on my wrist already!!

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

What percent should I save for my Roth IRA vs Roth 401k vs taxable liquid investments? I’m 23 & live in a HCOL & make 70k.

Our household income is 400k. Are we eligible to contribute to a traditional IRA? I’m pretty sure we can’t but wanted to confirm. Currently contributing to 401k and doing a mega backdoor Roth IRA.

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

Are there any youtubers you would recommend for watching for stock picks advice?

Rental car third party liability insurance: My credit card covers car insurance, but not third party liability insurance, so I generally get that from the car rental company at about $20 a day. Is there a cheaper way to do it? Recommendations?

Hi Fishes !
What are your thoughts about investing in reliance power for long term !
I'm a newbie in stocks .
Any suggestion will be appreciated !

I’ve seen claims out there “fake it till I make it” when it comes to car buying etc. Curious, what do you constitute as “making it” from an income perspective? I know everyone has their own definition

Anyone here ever had any experience using a 203(k) loan? How wild you rate your experience?

260K base HHI and no debt. What is the max you would spend on housing? Take home is $11,000 after maxing out all tax-advantaged accounts. I was thinking $4000 a month, but not sure if it is too aggressive.

Heading to Las Vegas for New Year's, any recommendations for hotels?

Crying for my RSUs….started at my company about 6 months ago and got some RSUs split over 3 years. Turns out the stock price at time of my hiring (which is what was used to calculate the number of shares over the three years) was the highest it’s ever been. Stock price has been cut in half since then, along with my RSU value. 😭 how do I cope?

Alright, who’s going to short GameStop? +80% in intraday trading, +600% as of 2021. Per WSJ - the bull rally is fueled by individual investors encouraging each other to buy the stock.

I need a financial miracle to afford my postgraduate degree. I have 6 months until the first bill. Experts on this sub, is there a crypto Hail Mary I should look into?

I’ve been doing some reading around Crypto but don’t currently hold any positions.

I haven’t managed to get any confirmed scholarships or financial aid packages so this post, as you can tell, comes from a place of exhausting every possible option. Any help massively appreciated.

How do editors out there feel about partnerships? Seems like a great goal if the house is a long term fit. Do the new responsibilities and ability to make a difference outweigh financial risk?

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

Do bank managers/loan officers at local branches have any sway in approving loans? I live in a small Midwest town would it be better to go to my local bank and see if people I know there can get a better rate etc on an auto loan?

Anyone here have success running a short term rental (AirBNB, VRBO, etc)? Looking for tips to enhance bookings

Hello all,
Which company between techm cerium systems and synapse design and excelmax technology is good in terms of
1. Good projects
2. Work life balance
3. Onsite opportunities
4. Work from home option

Would you recommend the CVS test? I dont think I want to get it done due to the risks.

Hi Fishes,

I have been offered 37.5 lacs ( fixed ) plus 20% variable for the associate director level . My current fixed CTC is 29 Lacs .

Can you please let me know if this a good offer or I can get more?

Please also let me know what is the salary range for associate directors?

Hi NYC female fish! Room available in our apt for 12-month sublet beginning 8/1. Midtown east (57/3) in doorman elevator laundry building, $1350 monthly rent. PM me if interested!

Hi Guys,
Does KGS have a collective disconnect during Christmas time in India?

It’s been a day and I haven’t heard back from my phone case interview. Is this bad news?

Experienced tax professionals - If you have any interest in switching to Deloitte, the deadline for the enhanced bonus is ending soon. Happy to kick back some of the bonus for any successful hires. Golf season is underway and a nice Scotty Cameron & Vokey wedges are a real joy. Hit me up with a DM if it might be a good fit for you.

Anyone else find the quality of Uber / Lyft Black cars super underwhelming? What’s the deal?

What are some easy to make, low stress holiday meals for a school holiday staff party? I was "volunteered" by our principal to set it up this year (🙄). I'm making decorated sugar cookies but kind of drawing a blank when it comes to savory dishes. Bonus points if you have any adult holiday themed games or fun drinks to suggest! It's off school property and there will be a bar (thank god), for context.

I give my cell phone to all clients routinely. However, there are always 1 to 2 clients who abuse this and it seems as soon as their cases are over I find a new one and it is making me rethink. I hate to do this because 98% do not abuse it and I like being connected to my people. Thoughts??

Are there many legitimate ethical hurdles when switching from insurance defense to plaintiff’s work? I’ve always seen myself as a plaintiff’s lawyer, but ultimately took an ID job out of law school (better salary, no real opportunities at plaintiffs firms that I liked). I like what I do—so far—but I’m constantly thinking about whether the grass is greener.

I’ve been prepping for MBB for months but I know I’m still not ready. I’m struggling with staying structured and with creative questions. I’m really frustrated because I feel like I’ve put in so much work but I’m not where I need to be to make it. I know if I interviewed today I wouldn’t make it through.
Any advice?

Anybody up to practice case interviews today or tomorrow? Preparing for a few first rounds and feeling very nervous!

What does the “four corners of the abstract” mean? Title, authors and??

Have any 🐠 out here pre-ordered, “Quit Like a Woman?” I’m excited to read it. I subscribe to Tempest and Love Sober and Soberistas.

Do you count your car as part of your NW on Mint/other trackers?

I’m a renter with 10 months left on my lease. Have an option to invest in a 3 unit property with someone who would live in one of the units. Would it be a bad decision to invest but continue renting?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

260K base HHI and no debt. What is the max you would spend on housing? Take home is $11,000 after maxing out all tax-advantaged accounts. I was thinking $4000 a month, but not sure if it is too aggressive.

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

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?

Any suggestions for joint investment account with a significant other?

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?

I left my job a month ago & my 401k match never vested, but is still in sitting in my account. Is there anything I need to do or will my old company take it out on their own? They never mentioned anything when I left. TIA!

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?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Any investment ideas outside of the stock market? Considering farmland but wondering about other options

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

As an investor, do you choose longer or shorter amortization periods when paying off your mortgage and why? Will return on investment be higher if the amortization period is longer?

Red flag? I use TD's robo investor for my IRA and personal investment portfolio. I noticed it chooses the same ETFs, although potentially a different ratio. This seems that it's not properly diversified for long and mid term. Should I be concerned, or just let the investment fly?

Anyone know of a good cross-border US/UK financial fiduciary?

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!