There are several general principles to consider when developing a personal investment plan.
The best approach will depend on an individual's financial situation, goals, and risk tolerance.
These principles include diversifying investments, setting clear financial goals, considering long-term horizons, rebalancing the portfolio, and regularly reviewing and adjusting investments as needed.
Note: This isn't financial advice, speak with a financial advisor for proper guidance.
Happy New Year!!!

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

Wells FRAGO! Dang! 500k accounts with an extra add on for auto insurance !😬😬

Now that flexing has become common: 31 year old senior associate, net worth of -$15k, salary of $80k, career in flames, renters destroyed my only property. AMA

Need some help! Currently live in TX but work as an independent contractor (remote) for a NYC based company - do I still need to pay NY state convenience tax on income or would this only apply as a full-time employee?

Off the topic.
Koi help kar sakte to get rent house near Manikonda/7 Tombs.
Budget: 13k

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

Started my grad job in consulting and keen on getting a credit card - any advice?

How much have you saved from refinancing your student loan?

I want to catch up on my contribution to HSA for 2019. If I do this before April but I already filed my 2019 taxes, do I need to amend/fix my 2019 tax return?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Are there any trusted resources for information on cryptocurrency investing?

(I've written enough long-form marketing disguised as a news to know when it's happening to me.)

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

150K in Singapore, and $150K in Chicago. Which one would you accept?

Looking for a lawyer for get prenup done. Any recommendations will be helpful

What percentage of your income do you save, invest and spend?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

How much percentage of your Salary do you Save/Invest?

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??

Seems like there’s a few 30+ females in this bowl. Lmk if you are ever down for a brunch or dinner. I could use some gal pals 💃🏻

Anyone work for Ensemble Health? How much do they pay for the Credit Balance Specialist role?

Any opportunity in Gl in .Net position having 5.2 years of IT experience and 3.8 years experience in .net.

Hi everyone! I'm currently looking
for an entry level tech consulting
position! I graduated in May 2021 with an MIS degree and started working as a client specialist. The work is not challenging enough so I'm looking to make a change. If anyone would be willing to chat for a bit about roles
available at your company and maybe
even refer me that would be great!

Anyone from MBB here? Have you heard anything about Salesforce B2B Commerce work within your firm?

Anyone recently completed their visa process with PwC? Please advise on time taken by PwC for CoS alone and overall visa.

How do you deal with students that say they don’t know what to do after you have repeated the directions multiple times?

Is it bad form to reach out to people on here for the company I’m targeting? I’m referring to the employees who have their networking turned on so you can see their name and position.

Please share your experience to help other members.

Can someone share the salary for a UX designer with 5 years of experience in Microsoft. I have cleared all rounds and I am not sure what do I ask as my expected salary going by microsoft standards

I came from a consulting background in tax credits and incentives. I went into finance to pass the time on my non compete clause from my previous firm, but now I have an interview at EY and I’m not sure if I want to give up the work life balance. Any advice?

🗣️ #ASpaceToVent 🗣️
Making a career change is tough! Let's use this thread for venting, asking for community support and feedback, or just being witnessed on something that needs to be shared. A space to say what you can't say elsewhere!

Edward Jones advisor with 30 million AUM and roughly 250k gross production. Been there for almost 4 years. Got an offer at Merrill Lynch to take over a 100 million dollar retirement transition plan in 5 years, or to join a 5 person Merrill Lynch team that manages a lot.

Pros to EJ: Have my own office, a year or two away from partnership, great office setting and client satisfaction.

Pros to Merrill: Bump in compensation, additional tools and services w banking, ability to take over assets.

Hello! I’m currently working in mortgage admin/operations and want to transition to a tech company and do something more like a data analyst. Any recommendations? Any companies that would be willing to train on the job for programs?

Currently a CSA in PWM at a top wealth management bank (think UBS/MS/GS) but not loving private client work. What have other CSAs gone on to do that’s outside of the PWM realm?

Just received an offer from citi for a credit risk associate role. There’s no mention of a set bonus range but a mention of “discretionary incentive and retention award”. Is it something standard? Never worked at a BB so don’t know the norm. Thoughts/guidance? Thanks in advance

Does anyone or know of any finance professionals that have exited to go work in the music industry or entertainment? I studied Econ/Finance and Music (songwriting) in college so I’ve always been interested to see if there’s a possible transition over to the music industry later on. I really enjoy finance and banking but a part of me wants to know if the music business/clients/development is a possible exit opportunity when I’m older and have put in my time in finance. Thanks!

Currently a MS in Finance candidate. Got into the MBA program with a finance concentration at the same school - Johns Hopkins. Don’t care about target , non -target (already happy with my role, industry, firm). What’s more valuable in terms of longer term prospects between the two degrees? Any thoughts or guidance?

Any particular segment of sales good for ex-finance? Currently 3 years in at fortune 100 bank on business development side (on commercial loan originations team but no commission/targets at the associate level, basically do credit analysis and build pitch books for the producers) This role has been great as I have gotten both analytical experience and tasted sales experience (I say taste bc I’m not the producer) but would potentially like to transition to a sales role that is less analytical

Looking to relocate to Boston (fiance grew up there and wants to settle down around family). Sadly I dont have much of a network up there. Does anyone know of current searches?

Considering going into Finance Technology roles within big4. I have have >3 years background from deloitte doing Tax Technology. Can anyone speak to these finance technology role &/or give referral?
PS left deloitte about a year ago and have done finance related work for <1 year

GP Stakes and PE secondaries: how good is the medium/long term outlook for the market and would a niche specialty in these areas be very limiting for my career?

Currently on H1B and waiting for an offer from EY. Does EY kick start with green card process quickly in special cases. HR said normally it is 1 yr but he has to check with legal team. More inside..

I desperately need help/guidance from someone, I tried going to some therapists but they just emphasize antidepressants.

Below are my thoughts rn: Man, I’m 28 and such a bum. I work a job I hate, I have no social circle. I have never had a gf. All these things are so challenging because I’m autistic. I can’t change that. What’s the point of living when society treats ppl like me like I don’t matter. Maybe I should just take a bunch of sleeping pills so I don’t have to deal with life anymore.

Is it really unrealistic to expect a raise in this current economic climate? Review period is coming up in July, and I don’t want to shoot myself in the foot by not asking for a raise.

Trying to think of some places to leave Citi for. Already applied to JP and GS. Someone reached out to me today via LinkedIn after one of my posts of places I’m looking to relocate to and they recommended Capital One. Never even considered them. Anybody know anything about them? Good company to work for, good culture? Any negatives?

Is anyone familiar with post IB exit into something like IR? Still new to the game and other than PE (due to the herd mentality), I don’t know much about other exits for better work/life balance. If anyone has insight on type of work, recruiting process, and comp it would be super appreciated. TIA

Currently in a project finance and looking to breaking into tech/fintech. Any advice on how to pivot?

I’ve been in non-profit finance for over 6 years, now looking to go into compliance. I’ll appreciate any advice I can get.

I want to take this moment to wish everyone a happy new year. Still on holiday vacation.