Simple math suggests that by giving up roughly 10% liquidity in the first 20 years (by maxing out 401(k)), a household can land in the top ~2% of households by net worth by their early 40s.

What’s striking and a bit painful, is that this implies 49 out of 50 households either aren’t receiving, or aren’t able to follow, a simple but powerful financial advice.

“Kiddo, max 401K from the first day of your work!”

Hello fishes,
I have 5 years of experience. I have received offer letter for IN3 role (java developer) with 22LPA(fixed)+variable(4)+joining bonus(2)..Is this good package or are they lowballing me..?? Should i try for counter offer… will they increment in case of counter offer??

PWC offered 23+2JB+2(assuming bonus at 10%) for 5yoe. And I'm getting 27-28 from other service based companies. However I'm confused if I should go higher fixed ctc or brand name, ie PWC. Thoughts?

If I have two 401ks (current job and previous job), does the 19k limit apply to both of them together or 19k each?

If I were to rollover a pension lump sum into one of those 401ks, is counted towards the $19k limit? Or is rollover classified differently and I could still continue to contribute to my current 401k?

Does anyone have details of the different consultant levels/years exp/comp for Capgemini? Yes Glassdoor has company details but the consultant levels don’t make sense on there...

what is the starting salary for risk at Deloitte?

Hello Everyone , Do I have to claim internet reimbursement every month in Accenture to get 1000 rs per month internet reimbursement ? Or It can be added in monthly payout if I don't opt for it ?

Does anyone know the salary range in Chicago for an ACD? 8 years experience. Thanks!

Do you know what is the salary range for a Senior Manager II at Walmart Home Office?

What's the average salary for RN-BC with 8 years experience in ER in the Cleveland area?

Hi fishes.
Can anyone please help me understand if BNP Paribas Mumbai provide relocation benefits to outstation joiners?
What are their relocation benefits? Do I need to ask for it or is it a part of your joining benefits?

Starting salary for a creative in Dallas?

Is anyone from this bowl working at 6sense?

If yes, please share some info regarding work culture, Work life balance, job security and employee benefits.

Thanks in advance, fishes.

Anyone work at Guidehouse and know next year’s benefits? Have job offer but they won’t tell me if benefits will be the same for 2023.

Has anyone went from saas to benefit consulting? How was that transition? Was it worth it? I hear in benefits you get a book with recurring revenue.

Salary of clinical research managers in the Bay Area ?
Thank you

What’s been your most impressive/successful salary negotiation when you’ve received an offer? Did you manage to get way more PTO or other perks?

Hi Guys,

I need some advice. I am currently working as Manager in PWC with 14+ years of experience. I recently received an offer from CGI which states 36 lakhs as Fixed and overall 40 lakhs CTC including Share purchase and Bonus.

Skills - Agile Leader.

Role offered in CGI - Manager Consulting Expert

Location - Bangalore

BU which I am getting hired is Energy and Utilities.

How's the work culture, job security and work life balance

Please advice

Looking for 1+ years experienced UI designers who are from Chennai or can relocate.

I’m beefing up my LinkedIn profile and was like, “Ugh. It’s SO NOT FAIR that I can’t add my time doing service and working w sponsees in AA under Volunteers Experience!”#nohumility #willkeepcomingbac

What is the best consultancy for Media and Entertainment work? Considering a move…

Hi I have 5+ yrs of bedside clinical research nurse experience and have been trying to pivot to the CRO world. I have applied to over 40+ positions and keep getting rejected. I have reformatted my resume to ATS but that doesn’t seem to be working either. Why is it so hard to get into the CRO industry and why is my hospital experience not translating? Thanks

will cognizant blacklist me if i didn't join. my joining date in cognizant is 24th april and thinking of emailing my decision today.

Which offer should I accept? Currently staff 2 at big 4 in Tax with CPA license. I want to leave tax ASAP. Both are public companies +1B in revenue and same salary. Offer 1 - staff revenue accountant so reading contracts, speaking with the sales team and legal team, a lot of work at the end of the months to close books and reconcile transactions to make sure we are ASC 606 compliant. This track usually leads to director of revenue. Offer 2 - internal audit staff so SOX and compliance projects.

I am getting 26 lpa,and after discussing wiith HR they are agree to provide me PWFH, which they mentioned in the mail from HR.
should i trust this opportunity?

For those that started their own shop, what do you wish you knew at the beginning?

Hi Fishies,
Can you please comment on aspects like wlb, learning in hsbc client at Virtusa? I have been offered QA lead position.

Hello All,

How is Blackstone Project in Wipro?
Is it good to join Wipro or Capgemini. Both Final Discussion in progress.

Tech Scrum Master + Delivery Manager
Yoe - 10+

Is dsa important for technical interview for 2-3 YOE?

Mom of two here (21 month old and 5 month old) who is starting to consider having a third. I am in my late 30’s and my doctor just recommended I start trying at 6 months postpartum. I am thinking I want to start closer to 8-10 months postpartum but have no idea what to expect with a third. Is anyone in a similar situation? Moms or Dads of two, do you ever look back and wish you had tried for three? Moms or Dads of three, how was the transition from two to three and how much did life change?

Here's a question I wish I never had to ask. Is it better to use the code for bereavement leave or just burn pto I'm going to lose anyway? Does it make a difference from a utilization standpoint?

Every time I upgrade gear, I save the old one “just in case”. I now have a mountain of dusty gear I can’t bring myself to get rid of. Does anyone else have trouble letting go?

Vtsax vs fxaix?

What’s the meaning of life before FIRE and after FIRE?

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?

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

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- 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.

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

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?

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

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Trying to help my retired dad - When I google for what to do after retirement, only retirement planning related things shows up. My dad has been a workaholic and hasn’t developed many hobbies he could pursue. I was wondering how I could help him stay slightly occupied if not busy. Anyone here experienced this with your parents or yourself? How did you navigate this?

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl

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?

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

Anyone investing in index annuities? Can someone explain why this is beneficial?

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)