Stumbled across this
https://wallethub.com/edu/best-and-worst-states-to-retire/18592/

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

Has anyone taken up the Personal Capital investment management service that they offer?

They say they will manage my 401k but to do that they will require my credentials that I use to log into fidelity. Is that normal? Has anyone here done that before? Any feedback or experiences of using them?

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

Whats the biggest tip you have for FIRE?

For me, I think “pay yourself first” is the most important. It forces me to save money first so I wouldn’t need to worry about making a budget for expenses, since I can see how much “disposable” money I have to spend.

I just started this recently. Each month, I allocate $1k of my pay to my brokerage acct and $1k to HYSA (to buy property). I max out 401k and do backdoor roth. And save all my bonus. So each yr, it’s around 70k: 24k + 20k + 6k + 20k bonus.

If a company matches 50% of 401k contributions to 6% of salary, does that mean they’ll put in 6% if I put in 12% or will they put in max of 3% on my 6% contribution? Curious what their wording means

So after you max your investment accounts (401K, IRÁ, emergency savings. etc) what do you do next?

A little context: 24M, started in the pandemic, moved back home and paid off my student loans.

Do I move out? Can I start spending on myself? Am I missing anything from a saving perspective?

Apologies in advance if this comes off entitled/arrogant, really just looking for some advice and wanted to give as clear a picture as possible.

I recently received a VP offer at AlixPartners, can someone at AP help me understand this new profit sharing/ longevity bonus they have? The HR rep was not very clear given how new it is. I presume it is additive to any annual bonus or 401k match, correct? How does it work? How long is the vesting period? Etc.

Roth vs Traditional 401k, thoughts?

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

Does anyone know who the 401k benefits manager is at VMLY&R NY?

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

I bring home $1,616 twice a month after contributing 10% to 401k. First pay check I put 1K into investment, second pay check I put 1k to savings. The remain 616 is personal spending, phone bill etc. Is this an effective strategy??

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

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.

Hi all- new to fishbowl. Not really sure how to use and explore the app yet but I saw this bowl and figured I would introduce myself. I am a wholesaler for 401K and I am able to partner with advisors who currently uncover 401K opportunities or are looking to learn how to. Reply if you are an advisor in the NYC area and interested in learning about how to expand your business.

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

I’m hoping this bowl can commiserate with my disappointment that ESPN is airing collegiate football instead of today’s quali...

Mazespin living up to his name in practice. Already in the gravel. 🤦🏼‍♂️

Hi everyone, if you have got an offer from Big4 in UK, can you please share your base salary, core skill, designation and YOE?

Anyone at Goldman in Portfolio Construction/Liquidity/Fixed Income that would mind chatting with me? Have an interview coming up soon.

Thoughts on buying an older Aston Martin? (mid-late 2000s DB9, V8 Vantage, etc.)

How is adidas tech hub in terms of wlb and culture? How old is the company in india? Is it a wise decision to move to adidas in the current scenario? Really need suggestions!

When you’ve accumulated 14 days of PTO, would you measure that as 2 weeks salary (1 paycheck) if you exit the company? Or are salaried employees paid only for week days thus 14 days PTO is nearly 3 weeks of salary worth? What’s your take?

When investing in a Vanguard Roth IRA, can you only invest into the Fed Money Market Fund (VMFXX) which is default? Or can you select other funds such as S&P (VOO)?

Le vostre aziende offrono qualche tipo di benefit in supporto alla genitorialità? mi riferisco in particolare a supporto (legale ed economico) per adottare, oppure per pratiche mediche di assistenza alla fecondazione e simile

Feel really terrible at writing sketch comedy. I think this is just something I just cannot do. Anyone with tips? Advice? Anything?

So what's the deal with read receipt requests? Are they timing people once they have that notification? 🙄

During the interview, If the interviewer recommended you to talk to somebody else in the firm but not the original rescheduled interviewers,what does that mean? After the recommendation, he stopped asking me questions. And the conversation only covered about 60% of the whole interview timeline. Shall I follow up with him about the ‘mentioned talk’?

How is the company culture?

What would happen if I don't join a company after accepting offer letter?

Hearing rumors about Huron layoffs. Any deets? Friend of mine said he got the "email".

Just moved to EY. How do I join the EY bowl? I searched but couldn’t find it.

Looking for non- fiction book recommendations. I just read Shoe Dog and loved it.

Left for industry and now I feel like a slacker when I leave at 6. My boss leaves at 5 and usually doesn’t expect stuff till the next day which also feels weird :/

Did anyone read the top consulting firms to work for? 😂😂😂

Deloitte guys - Serious question.
How is Analytics & Cognitive doing at D? I have an offer and I am not sure if there will be layoffs again. I am on work visa so will be difficult.
Role will be for Google Cloud & Analytics. Current job doesn't suck much though.

Accepted a new job at competing Big 4 but got a message from a recruiter from MBB. How do I respond to the recruiter? Is it worth it to take the call and be honest with them?

Looking for a heavy duty steam iron for heavy curtains in my living room. Everything that I see online seems very delicate for light cotton clothing. Any recommendations?

I transferred internally to a practice where I am miserable. My old role has opened up again and there is interest in me returning. I would probably just go for it but I may have a much (cont’d)

I'm an introverted person, like to keep to myself, focus on work, spend the rest of my time on family, gym etc. I've been told that I need to work on my communication and client relationship building skills. any books I can read? I don't follow pop. culture anymore, no longer actively follow team sports (but sporty myself) as I consider it bread and circus for the masses and don't rly enjoy work drinks... Am I doomed? Personally I am happy and love the work but fear for my career progression.

Any book recommendations on handling office politics?

Someone reached out to me on LinkedIn about becoming an author on the side. Has anyone heard about such a thing?!? The person said she’s worked with 800 consultants writing their books and marketing it for them.

I've been biking to my home office everyday so I've been wearing gym clothes and bringing a change of clothes with me. When I get in the morning how long can I sit at my desk before going to change?

What do you tell when your engaged, pregnant friends when they ask you “what’s new with you?”? I started saying “I got Premier Platinum with United”

Do any strategy arms of Big 4 or MBB do pre-MBA internships?

What's the best sort of role to get into in advisory consulting after returning from parental leave? Would appreciate any advice🐠🐟🐡🐬

Why are HOA fees in NY so high? It’s like paying double mortgage

At DU... Lovin life

Shout out to Deloitte NY. Awesome college tour event today. 🙌🏼