So federal loans won't cover all my expenses, and I might need to consider private loans as a supplement. I made a mental note to exhaust all my federal loan options first by filling out the FAFSA, and then carefully compare terms from private lenders if necessary. Has anyone on this bowl had to supplement with private loans? Please share any tips or lessons you learned along the journey. I don't have a very supportive family or friends, so I'm a little alone in all of this.

Rental expenses: experts recommend spending no more than 30% of gross income on housing per month. What’s your: 1) monthly gross, 2) % spent on housing, 3) high/medium/low cost of living city? Trying to get an idea of how y’all investment fish prioritize housing vs savings.

Currently 31 with 6.5 YOE and single . Should have NW of 250k by end of this year. (No significant assets in India). Considering this money all reminds invested I should have a decent nest egg for retirement. Have an LIC policy that will be worth arnd 50 lakhs when I surrender it (plan down payment for an apartment). Struggling to convince parents this should be enough for me to move back. They think I should move back when I have more financial security. What more should I plan for ?

Best resources/books on getting personal finance in order?

May be this is off the topic..
One of my friend who is a doctor & is an international med graduate. He passed his United States Medical Licensing Exams with above average scores. He has applied fr the match last yr & was nt able to match. Match process costs around USD10k; this year he is applying again after borrowing funds frm different sources bt he is under tremendous pressure to get match. I feel his pain as he has studied for 10+ yrs and is struggling to match nw. I m nt sure hw I can help

Is now a good time to buy VTI?

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

Does anyone here have a Tesla? Should I do it???...

Has your firm restored your pay? Is it worth considering jumping to another firm that is going to pay you what you’re worth? Don’t know about the rest of you, by my student loan interest rates aren’t getting any lower.

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Who is trying to open a Binance account??? Are you trying to sell an ico you have or buy exposure to an ico?? All please respond

Any recent grads here who moved back in with family during COVID times? How much do y’all contribute every month to “rent”/groceries/utilities? Idk, I feel like I’m not contributing enough sometimes…

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

It means ICOs are no longer open to anyone. You have to be a certified investor with the SEC. This is why Filecoin is conducting their ICO with CoinList instead of on their own. CoinList ensures their ICO is only open to certified Wall Street investors and makes sure FileCoin's ICO is treated as a normal IPO.

Granted please correct me because IPO investing is something I don't know a ton about.

Hi there, I had a question about 401k or Roth IRA. Should I put money into anyone of the two as an international student? I don’t see the point because I want to invest my money instead of saving it. Plus I don’t even have a permanent resident status so I don’t know if it makes sense saving it for retirement. On the other hand, the employer match and so on sounds good. So should I save it and take it out later or just invest it?

Confused about long term capital gains tax rate - are the brackets for how much capital gains you make in a year, or are the buckets determined by income?

Ie. If my income is over 40k do I pay 15%? Or do I only pay 15% if I realize >$40,000 in long term gains in a year?

I have to support my family financially. Usually my mom cooks for the family so groceries only cost $1200/month. However, my mom is abroad for 2 months so it’s just my siblings and they can’t cook so they’ve been using my card for doordash. I think there are days when they spend $100+/day. It’s frustrating because my mom already told them the daily budget repeatedly. I’ll go bankrupt at that rate. However, it’s not like I can take my card back since I don’t want them to starve…

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Which navigation apps do you prefer using besides google maps for driving long distances?

Who here has actually made a genuine connection from being in this group? Let’s hear your stories 🍵

Just found my first grey hair. World’s smallest violin, I know...but still!!!

EY folks, anyone get their Invisalign covered by insurance?

Is there any opening for Mainframe professional for 12+ yeas of experience. Location no constraint.

I need a referral for devops engineer role. 3.5 yoe
1 month remaining of notice period.
Location preference is delhi ncr.
Not getting calls these days

I was just asked to relocate to a different city. The move will come with a raise and promotion, but I'm conflicted. I enjoy where I live right now and I like being close to my family. Would love some advice.

Any recommendations or itineraries for the French Riviera/Monaco? Thinking of flying in and out of Nice.

Anyone read Quit Like a Women, by Holly Whitaker? Reading now and it’s making me consider extending dry January to 6 months, maybe a yr, or ever again...curious to hear if anyone else has read.

Welcome to a community dedicated to supporting those who deal with or wish to learn more about micro-aggressions. Did you know that 72% of folks are bullied by their managers? 36% of folks end up quitting their job because of bullying.

Who is trying to open a Binance account??? Are you trying to sell an ico you have or buy exposure to an ico?? All please respond

Any single F looking to get dinner or drinks today evening? 35 M here.

Hello all, my first post. Anyone else feel like their general manager won't promote them because they're afraid you'll make them look bad. Like they don't do their job well enough so you'll outshine them? Do you stay? Leave? Try to build the relationship? It's been a year. @Aimbridgehospitalityllc

What do you do when a store manager let's a cashier.walk all over the assistant manager? Dm isn't any help. I'm at my wits end! Store manager sticks up for cashier every single time. I've offered to give that cashier my keys . I'm so done with trying to do right, only to have manager make up excuses.

My teacher would always say that there are no stupid questions, but I think he just never had to work retail cause that’s very clearly not true

Damn LIBOR rate up again...

In a perfect world how much would you want to make a year to both pay off your loans and live a good life? I think I'd need to make upwards of $200k to pay off my loans, take care of my family and live a fulfilling life.

Can grad students get $20k forgiven if they got Pell in undergrad but outstaning loans are only for grad school?

SOFI or who else?

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

I have a 25K loan from my MBA. I paid off 100k whole, after graduation. 3 years ago, I moved my loan from federal to private ( SOFI) account. I recently lost my job. I have applied for unemployment, as the severance that I received will only cover for 2 months. Together my husband and I used to make less than 250k after tax. Now, with a loss of pay , we are going to make less. Do you think I will be eligible for Loan forgiveness?

If you could go back in time what would you tell yourself before taking out student loans?

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Does having student loans impact your ability to get a mortgage?

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?