Should I stop maxing out my Roth IRA until I have a comfortable 3-6 months emergency fund?

That feels painful, but I’m sitting at about just under 2 months at the moment.

Any Canadian company that has a good in-house agency?

Never had a medical emergency on my plane. First time today. I hope they are okay. 🙏

I am on my second year of STEM OPT. Was not selected in the H1b lottery this year. Have another shot next year (still low chances of getting selected). Could I still be selected, assuming that some companies are going to lay off some workers/withdraw apps? What should be my plan B if I don’t get selected next year?

How does Strategy & Consulting differ from Business & Tech Integration? It appears to me, looking at the profiles of people in these different divisions, that most of the time at the Consultant-ish level, both divisions are just providing Business Analysts? What am I missing?

Me on a date

Her: So what do you do?

Me: I’m a freelance writer

Her: (crickets)

In general, how do you negotiate salary? Do you give salary expectations at certain % higher than you realistically want / know the market is at? Do you explain your reasoning or just shoot your shot?

Anyone familiar with Marsh & McLennan? Am I understating correctly that it’s the parent company of OW?

Do you think campuses will open up this summer for on campus tours?

Hello guys, will be having an interview next week. What level of questions i should focus on for microsoft interview. Technology is dynamics 365 and power apps.

Anyone loving their firm and HC practice? If so, which firm (and industry) are you in?

I am expecting an offer from Master Card for Senior Software Engineer position in O Fallon MO. Please let me know what kind of base salary I can expect with 11 yrs experience . I don’t wanna undersell but also trying to avoid being aggressive but quote a decent number which will be achievable. Any suggestions will be appreciated. Is 125k $ base a fair value for or I can pitch higher? They have a 15 to 20 % bonus on top of base pay and a 10% match on 401k which the recruiter keep highlighting.

Quit the booze back in September. It mostly hasn't been that hard but I can't get a grip on my emotions this week. Feeling overwhelming sadness for no real reason. (Cont)

Went for a pre-employment drug test yesterday. They never asked me if I was on any medications. I had to ask them and was told "oh yeah, just put any you may think make a difference in this text box." I put Xanax, Flexeril, and gabapentin. All of which are prescribed and used as directed. Now I'm terrified that I should have put ALL my meds, to including my psych meds. I've been sober over 12 years and never touched drugs (just booze) but I'm having a full blown panic attack.

Any Publicis PMs go to TBWA\Chiat\Day LA? How was your experience with that transition?

I’m sure this is a noob question, but I want to buy my first luxury watch... what should I go for?

My inboard portal is showing wrong dob and phone number and i m recieving mails to complete the document process plus the hr is not responding to my mails or calls. Should I submit the documents or wait for them to respond??

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

I’m curious why more non-US citizens interested in FIRE don’t go live in a no/low tax jurisdiction even for a few years e.g. Dubai, some Caribbean islands. I get that some people will have family circumstances (e.g. elderly parents to look after) so it won’t be possible for them, but for a significant proportion it will be an option

Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

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!

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

Do you have a UTMA/UGMA account in addition to a 529? How can I make sure my kid still qualifies for *some* scholarships? (Want them to have some skin in the game..)

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

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.

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.

Decided to payoff my mortgage.

Best long term investment strategy against inflation to get to a large nest in for retirement?

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

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 %?

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

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 😂

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.