TDLR: Advice balancing $$ on luxuries now vs investing for fatFIRE

Early 30’s DINKs (for now), $700k+ combined. We’re pursuing fat-fire, saving 50%+, on track to 25x annual expenses in after tax brokerage by 45. Just bought a condo, want to invest in it to update/make it our’s. Price tag = $250k for upgrades on a $1mn condo. We’re struggling on how much is too much to spend now, vs the $250k that could just be invested. Any tips/advice/rule of thumb on splurging today vs saving for tomorrow?

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

Good recommendations for realtors in LP/OT area? Apartment rentals. Thank you!

Anyone here willing to explain their thesis on bitcoin? Thanks!

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

Why does the purchase agreement call for a FIRPTA when no real estate is being purchased?

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

Anyone has any credible info on Stream space ICO? Apparently they sold 48mil coins and do you know how can an American can participate in this ICO?

So should I just not be paying my student loans now? If dems win this senate runoff loans would for sure be canceled to an extent? I want to use this period of interest free payments but also don’t want to pay if I don’t have to..

If the stock market sees a downturn would there be a selloff in crypto b/c income effect or more $ in due to 'safe haven' like gold

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Australia onsite offer from a company for my cousin. Tenure is 2 years
Package is 7000 AUD per month
Work location is Sydney
Is this enough for a couple to live there?
Can we save some money?
What is the cost of living there? How about tax?
Assume like everything they have to buy in Australia from scratch

Need your suggestions

TIA

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

First 2 years for CSR is about to be over, and I’m looking at the value of the card against the annual fee. Combined with my other cards (Chase Freedom Unlimited & Flex) and deducting the $300 travel fee, the net benefit is $76. Is that enough to justify keeping the card? The lounge access at airports were a nice benefit, never got to use it since my client travel was through Amtrak.

Currently using Morningstar... A little fed up with them!

Any recommendations for other/ better financial data services?

Should I take an L on Paysafe? Feel like none of these SPAC stocks are going to have upward movement anytime soon

Wanted to start a job thread to help our people get referrals and find new opportunities. Post any openings at your job or that you're aware of in the comments!

I have ey gds,wipro and sirionlabs offer..which one i should join

Hey just popping in to say you should apply to participate in Mobilize, 22squared’s 48 hour student ad competition. 😎 Apply at

Anyone work for CSAA or any other AAA company? What do you do and how do you like it?

What’s the most reliable bmw 3 series after the year 2000?

I am 10 months sober today. I am very grateful to be part of this family.

I just got laid off from my job as a gov contractor because the project I was working on ended. I’m currently a grad student part time and was hoping to work that job until finishing grad school before applying to consulting roles. Should I go ahead and try applying for those roles now since I don’t have a job? Or should I wait since I’m still in school until next May?

What is the starting salary for a strategy consulting analyst at deloitte?

Whats the variable pay range in Gartner?
And whats salary range for Analytics Manager (india)?
8 yoe

Does Gartner Gurgaon provide free employee to and fro office transportation?

Hi, How is gartner research team cultural wise..? Is it worth joining this organisation..??

Any tricks to help with understanding EY Atlas and finding information ASAP? Haha, I always feel clueless and sometimes feel like the guidance just go over my head

Any Deloitte people that can help with billable work for a BTA?

Medicaid plans are so dysfunctional. Has anyone else experienced this? I feel like I’m being gas lighted after working for big commercial enterprises and now working on a Medicaid plan. I’ve never seen so much resistance to change or legit resistance to doing anything to improve operations.

Hi all,
I am currently working in infosys as Devops consultant with 4.4 exp and looking to switch company. Can anyone refer me in tcs ?

So should I just not be paying my student loans now? If dems win this senate runoff loans would for sure be canceled to an extent? I want to use this period of interest free payments but also don’t want to pay if I don’t have to..

First 2 years for CSR is about to be over, and I’m looking at the value of the card against the annual fee. Combined with my other cards (Chase Freedom Unlimited & Flex) and deducting the $300 travel fee, the net benefit is $76. Is that enough to justify keeping the card? The lounge access at airports were a nice benefit, never got to use it since my client travel was through Amtrak.

Currently using Morningstar... A little fed up with them!

Any recommendations for other/ better financial data services?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

The store brand = name brand a lot of times at the grocery store. Always buy the cheapest.

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

Wish I listened to my roommate on Blue Apron. Up 115%

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

Would you invest in individual stocks if you're invested in a fund that includes those stocks as well? Why or why not?

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

$1000 monthly recurring investment through Acrons? Aggressive portfolio.
Anyone else using Acrons here?

Got a loan rate for 3.375% for an appt. This seems a little to high. Thoughts?

CNN HL: DOW back in bull market, should it be?
The talking head says industries will crumble and its doom day!!!
Your take?

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Target Date Fund or Index Fund investing for 23 y/o analyst? Which should I prioritize?

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)