"The math of what you're supposed to have [for retirement] and what people actually do have is a huge gap" Do you feel confident about your retirement? How much do you have saved up and where?

EPOR a solid first option trading choice?

Need 20lakh by next year for down payment have 1.8 L on hand which MF or stocks to invest so that can get 20L by next year and how much per month

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Will states start imposing sales tax on NFTs?

Is it good to get stocks as part of CTC which has 4 years vesting period?

CTC looks high due to this stocks but effectively i would not be getting it for the 4 years. Also the yearly hike includes this stock component.

CTC had fixed, variable and stock part. Variable and stock is almost 30% of total ctc.

Really confused if this is a good deal or is it a trap.

Do any of you participate in employee stock purchase program? I’m at an IPG firm FWIW.

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!

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

Hi guys ,
Need sone suggestions onto how should i claim HRA . I live with parents but i hve seen ppl claiming hra by gng into a rent agreement with parents . What all doc are req and i am planning to claim less than 1 lac so pan card wont be req.

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

I be wanting to go off but then I check my bank app, calm down, and keep working.

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

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

Can we just take a moment to recognize how great of a human being Dolly Parton is. She knows how to do good with her wealth.

How long after you quit before your company removes your access to your FSA card?

How much money do you keep in your savings account?

I know this is going to differ greatly but wanted to get an informal survey here of what the hours are like in product management. If you are a PM, can you state your level (early, mid, late in career) and average hours per week worked?

Quit my cushy job a few months ago because I was totally burnt out and mental health was shot. Thinking about quitting this industry all together - anyone else go through similar? Any advice? Thanks!

I have a Bachelor's degree in Finance, but now want to pursue getting a masters in IT. What should I do?

Hi Fishes,

How is culture at Hexaware ? Especially there Central Bid Management or RFP team?

Do you think that older cops use their years of experience as a way to exert their power on younger cops?

I have joined nagarro in Jan and till now my journey has been very good ,but listening to recession news I am getting tensed is nagarro secure in recession if u are in a project and performing gud,should I look for another company or here job is secure .please old nagarrians reply

Best firm to apply for to get an international Salesforce consulting position? (US citizen looking for an opp in Australia/ Europe)

Guys please help. Trying to decide Breitling vs Omega. The models I am looking are the two below. Cost about the same.

Will Coforge pay the variable as quoted ? If yes what’s the frequency of pay Like half yearly or annual?

How will covid impact commercial space downtown? What is the future of commercial space? I personally prefer to work in office, but I’m sure organizations are starting to see how much $$ can be saved

Any politics story in msft India.

Rule#34 in the freelancers playbook: always double/triple dip.Protect yourself against crap day rates by getting 2/3 day rates at once. Only way to make good money freelancing.

I am looking account job in ahmedabad

Plus what is the starting salary for entry levels associate under group m like xaxis, mindshare,etc

Hi sharks,

18LPA CTC in India equivalent to how much in US considering all factors??

How much time does it normally take for BA transfer from Pune office to complete?

Any tips on a step by step game plan for finding a new job as an associate ASAPPP?

In your opinion which is the best target fund to choose in IRA Roth?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Have about 5k to invest - should I do FXAIX or FSKAX?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Paid off my account debt!

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Any good wedding ring sources aside from Blue Nile?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?