Spouse and I are low 30s at $1M NW, all liquid (own home but next to zero equity) split between 401ks, Roth IRAs, Brokerage. In 10 years at 7% growth (10% growth - 3% inflation), if we contribute $10k per month, we’ll hit $3.7M NW in the accounts above. Safe withdrawal rate of 3% will give us $9k per month, which is greater than our monthly expenses. Assume no kids. Why won’t this work?

I'm wondering if an introvert can excel and be happy in a BizOps role? Any introverts here who can testify? Is it feasible? What factors need to be considered?

Have you ever been told off by an older attorney of color? We have one Black partner at our firm and in conversation with him this morning he told me I should work on sounding and looking "more professional" and not let my "tone" or "bad attitude" get in the way. I don't think I've ever had a bad attitude at work, and whatever "tone" I'm speaking in it's my normal one. As a Black woman I just feel super weird about it and kind of sad.

Best preschools and elementary schools in downtown area?

What are the best consulting firms for PE and VC exit, please include boutiques not just obvious ones

😭 👶🏿 🌈 🐻. 🚀 🌚

Any recommendations for good videographers in NYC/Tri-State? A lot of the affordable ones I find make the cheesiest videos. I’ve certainly found some good ones but very expensive. I know you get what you pay for, but there has to be someone reasonably priced out there that delivers quality work. I am splurging on the photographer so this would just be an extra.

Looking for a freelancer or vendor with access to MRI Simmons, GWI, or similar who can pull media behaviors and attitudes for 3 pre-defined segments with a SUPER fast turnaround. (Within the next 24-48 hours.)

Would just need the raw data export, no additional analysis or slide development necessary.

If this is you/your company please send me a DM. Thank you!

Norwegian festivals, who has experience with the industry?

“Chatroulette, but for apartment peepholes."

Anyone in Deloitte UK ? Can you pls share the compensation range for a senior consultant in the cognitive and insights ?

I have 2 offers Sr Manager and 180k (base + bonus) vs Manager 220k (base + bonus). I wanted Sr Manager title but the company offering Manager. What should I do? How will it affect my future titles?

Anyone tried roasting their own coffee? Curious about if you found it worth it or not, and any tips you might have for someone looking to get started. Thanks!

McKinsey consultants- I remember hearing that you have a different comp model from most firms (where title and pay aren't necessarily linked). Does anyone mind elaborating?

My Associate stint is ending next year, and I need to start thinking about my next move. What’s the right comp I should be targeting with 4 YoE (2 in VC, 2 in consulting), in unicorns vs PE vs CVC?

Current TC is roughly 175-300k (carry is complicated and variable) in MCOL.

Any advice on virtual whiteboarding exercise interviews?

Should I be concerned about abusing adderell? I was depressed/lacking motivation and needed to get some deals done and my hours up ASAP. Convinced my doctor I had ADHD, so I now have a legal prescription. I feel so much better, and am getting so much accomplished. No judgement please. We all know this is a high stress, high pressure environment.

Anyone start later in life? About to turn 32 and my retirement savings are sad.

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

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.

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 is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

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??

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

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?

Received a letter from Wells Fargo today. They are offering a refinance of fixed 30 year mortgage at 3.5%. I have no idea how they can do this judging by today’s interest rates. Currently my interest rate is at 4.5%. Judging by Wells Fargo sketchy history, I don’t trust it, however has anyone else gotten this offer?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

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

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 🧐

Does anyone have any inspiration stores of FIRE without an incredibly high income/family financial support. Looking for hope 😅

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?