Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

I am a new investor. Started with Parag Parikh and Tata MFs and LIC IPO.

1. I see that both my MFs are in red - I started investing in Jan. Should I consider adding other MFs? Should I reconsider these 2?
2. Please suggest good tax saving MFs.
3. LIC listing gains and further performance is horrible. How much of gain I can look forward to in another 5yrs?

Thanks in advance!

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Does anyone have any book recommendations for information on buying a house?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

Best practices for funding a home into RLT if there is an existing mortgage? What type of deed? Title insurance considerations? Thanks

Implications of a PE firm selling and a company bringing on a new investment partner?

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

Anyone with a leased car move from NJ to other states? If yes, could you please help me understand the process to get sales tax refund from NJ? Thanks in advance!

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

Taking a personal loan of 20k or more will it affect perm (GC) process?

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

Hi do you interview from time to time just to check what’s your market worth?

What's the best airline stock to get into before the possible travel rebound next year? Do you also get in now or Q1/Q2?

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

I'm a pca in TN with around 8 years of experience. I am making 13 a hour. Is that low?

What is the average pay for a Laboratory Assistant at Adventhealth.

Hi can someone give me an estimate of what a pediatric occupational therapist should be making in a city with a high cost of living. No benefits. Between 30 to 40 billable hours, documentation time unpaid etc. Independent contractor role. Practicing for over 5 years.

Can someone recommend a good photographer for headshots? I’ve tried two so far with mixed results. Don’t really like the final product and most are not great for a professional setting.

Feeling a lot of pressure to buy an apt as my partner and I are in mid 30s and see ourselves living here (Brooklyn) long term. Can’t get over the high prices, high fees and idea of sinking all of my money from the market into one asset. Every apt for sale we are seeing is less nice and highly monthly cost than our rental unit which we love and running the numbers never looks good. Convince me why I’m wrong

Has anyone here lived in West 54th apartments or Mercedes house and can comment on buildings or location?

Anyone work in the Healthcare industry? I'm looking into joining Healthcare. I'm currently a Senior in tax compliance.

Is working at a local 1-2 office firm where you do tax, audit, and bookkeeping more interesting than just sticking to audit or tax?

Is it better to start off early career at a BDR/SDR role or a tech consulting role to eventually be a solutions engineer? Advice is appreciated!

Hi all,
My friend has referred me in Virtusa, within 2 days HR called and said they have a job role for my profile and will confirm back for interview, but now they are saying that job post is closed.
I had put my other offers on hold due to virtusa.
If anyone is having a job opportunity in their project for a database developer please respond.

Hi,
Joining SAP labs, Bengaluru on 8th of August.
Looking for a share of accommodation. Female preferred.
Thank you..

A guilty pleasure you’d hate for co-workers to find out about?

When they lay people off, they often keep things quiet because it will "effect morale". But the firing itself is what effects morale. Being secretive about it undermines respect and harms morale more.

Just curious, do people from this bowl still do sexting?

Hello Everyone,

I have an offer from Cognizant, I get my offer revised with my counter offer.
Now again I have another counter offer, should I ask them to revise my offer letter again?

For those of you who made your first million in net worth, what did you do next?

Decided to payoff my mortgage.

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?

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

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

FIRE - What is your total net worth so far? What's your profile?

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??

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

What stocks are you guy guys buying right now in this market?

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)

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

Hi! Pretty new to this concept, and really early within my career (only 3 months in). Currently on my company’s 401k plan, contributing well beyond the minimum to receive a match, and maxing the amount I can put in right now (25%). Dabbled a bit in options and stocks in general. Any advice, guides, or starting places you would give someone in my shoes? Thank you in advance!

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.

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

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

Did ok on a real estate investment and will have around $200k net to reinvest. Looking for opinions on short to mid-term investments for consideration. Moderate to high risk tolerance. TIA

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

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?