Should I put $20K towards my student loan balance of $230K before the no-interest period ends or max out my 401k, which I have contributed nothing to this year. I’m 25. Employee matches 4%.

Hi,

What is the diff bw Deloitte USI and Deloitte India are they completely diff or we can expect same benefits and work culture from both?
TIA

I read this super interesting article about how big companies like Toyota are investing in social-emotional training for their employees and seeing massive benefits. I actually think this could be a whole separate class for students of all ages. Learning about conflict resolution, growing your own self-regulation skills...it's really important.

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

Is 400k gbp all in (175 base + 225 bonus) decent for a VP2?
This is at a UMM fund. Carry c £1.5m but who knows when that will come…

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

This bowl has been dead forever. I’m still powering through my corporate America career all fake smiles to eventually retire early and live like my hero, Tommy Chong. Stay up my professional 420 friends, the end is near!

Side gigs. What do you do to supplement your income (besides marry for money)? I bartender but that’s taken a hit with Covid. Thinking about some kind of tutoring set up.

Worth redeeming SPG/Mar points for stays before the two-tiered redemption changes post August 18? Seems to me like an excuse to devalue points and place redemption in a higher tier?

Looking to sale majority of my holdings in next bear market rally. Does folks who do tech analysis think we have started one from Friday. Want to sale as much before we get another brutal sale-off before mid terms.

Hi Folks. I am a single and planning to move to Seattle. Need some recommendation if 130k is good enough to live comfortably in Seattle.

Can I simply upgrade from Amex Blue Cash Preferred to Amex gold? Or would both just be open at the same time since one is technically a charge card?

What is the average salary for an account manager in employee benefits at brokers firm? And what about a senior account manager salary? I have 7 years of experience in the health insurance industry. I want to see if I’m on track or if it would be out of line to ask for a raise.

My monthly salary after employees pf deduction and professional tax of 200 is 96,500.
How much income tax will be deducted on this amount without any investments and all.

Oh Elon.... 500x returns for some put holders who bought OTM today...

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

Luggage delay claim question

I used Chase explorer to buy tickets for my vacation and luggages were delayed for a month. Per chase term I am entitled $100 a day for 3 days. But the claim agency chase used has been asking for airlines response, which has not came (2month+ now). I am concerned insurance will use this as an excuse to never compensate. Is there a good way to handle this situation?
TIA

How is it like to be in firmware domain. How is the growth, work life balance , benefits and pay. Should I remain in this domain or make a switch to software developer.

It’s a new week!! Target to win 🏆.. Win! And keep winning!

Grey NY news on 4-Day work week option. Thoughts?

What does Hinshaw start at in its Florida offices? Or any info on its reputation generally?

Hi, for those on H1B, is there anything we need to do or file when changing address within the same state? (I’ve already updated in my company’s system)

Hi Folks - agency vs in-house - pros and cons - go!

How do you handle revisions at a company?

How do you frame your specialty as a designer?

Trying to emphasize a level of specialization without shutting out too many opportunities.

Curious how far others niche down how they present themselves.

Any F 🐠 in their 30s in DC interested in connecting?

Hi all,

Can I use my vacation leaves to reduce my notice period?

Thanks in advance!

How do you sell the benefits of managed money to your clients?

Thoughts on PERI? Looks undervalued compared to MGNI and APPS

What’s the pay range for a L5 engagement manager? Couldn’t find on levels fyi

My home had some water damage last year (water heater was leaking), so I had to do some repairs and took care of most of the work myself. If I refi, will my home have to pass an inspection?

Considering joining a small 50-person company as the only attorney (prior attorney is retiring). (I am currently in-house at a F50). For others who have done the same path, what surprises did you have when moving from a large company to a small one?

For example, it sounds like I should not expect a document management system, based on a prior post in this bowl. I’m guessing expenses like state bar fees and cell phone are not reimbursed.

Any advice on things to expect (or not expect)?

Went from total freedom on my last 5 projects to an absolute micromanager. I’m going to lose it.

Hello Googlers - I have a Business System Analysts interview coming up really soon. Any last minute advice that I can use?

Anyone have any direct mail vendors they can recommend? Looking to do a high end oversized mailer for a luxury real estate effort. TIA!

Why does this bowl treat head of strategy like he’s Satoshi Nakomoto? Hedge every currency buy with LINK because it’s a protocol and distributor.

Good credit card to open? Thinking Amex gold - anyone have it and recommend? Or any others?

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!

Landed a contract role at Deloitte via MBO Partners for an audit senior role. MBO is making me a W-2 employee for MBO, but I am getting paid $125/hour plus overtime. Am I missing something here or am I about to be making $5K/week (or more with OT)? Anyone have any experience with MBO or doing contract work like this? Obviously way more than I'd make if I stayed at KPMG for busy season.

If you could right now, would you buy a house in full cash or invest in the market?

My SO and I are looking to invest in a beach front property in either Delaware or NC. We are using Redfin primarily for the search. We looked at a few airbnb calculators online to build our own. Plan on setting up llc as well for tax benefits.

Since this is the first time we are doing this, we are looking for any applicable advice or lessons learned from folks who have done this before, Tia!

Hi everyone! What do you invest in after maxing out 401k, IRA, and HSA? Thinking about real estate or continue investing in the market?

Currently making 140K with 100K NW. 23 years old.

Thank you!

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

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

Has anyone bought a house in pre foreclosure for investments? How do you assume possession of their loan? Do you have to go to the bank and qualify for it or just sign? Also, is there a way to see how much in fees and backed mortgage they owe?

How are you all going about continuing to buy index funds while everything is literally green and I see people doubling their investment in such a short amount of time. Feel as I am missing so much money that could’ve been made. But VOO goes up 1% :///

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?

How’s would your FIRE impact if market corrects 20-25% from here?

Have 700K USD worth of invested assets (less real estate, cash/receivables, and precious metals). if I need 4K USD per month for expenses, can I now coast?

401k Roth or traditional 401k?

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

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

Since the fed rate is now zero.. What does thst mean for mortgage rates and savings rates? They gonna plummet to nearly 0%?