This may be a dumb question but should that majority of savings be in a high yield savings account

Does buying/selling from USD wallet on Coinbase settle instantly or does it also take a few days to settle?

What is LOI in amex?

I don’t really like accounting anymore but am too afraid to leave all because of money. Any advice?

I have a relative traveling from Russia, who can get me Chanel bag from Chanel boutique in Moscow. Due to currency fluctuation and sales tax difference I can get 19 for 4732 vs local 4800+sales tax, which would be like $300 savings. Not much, but I’m cheap. I don’t like Chanel that much, but it seems like a good investment. So from the investment perspective - would you buy 19, 19 maxi, boy bag, Gabrielle or WoC? And would you buy it in neutral color and material or buy the latest fashion?

Why does appraisal report takes a week to generate ? The appraisal for the home I was looking was completed last Friday but my lender said it will take one week to get the report.

How do you guys invest on gold? Is it just buying the biscuit or do you invest in their stock/ETF?

Any millionaires here? If so, how did you get to your first million? Wise decisions? Discipline? Investment? Lucky break?

I’ve been listening to “millionaires unveiled” (highly recommend for FIRE content) and it seems like every other guest ends up doing real estate investing. If you do it, what books or online courses would you recommend to get started? If you have experience in real estate investing, would you ultimately recommend it?

Does having student loans impact your ability to get a mortgage?

35% off SPG point purchase - worth it?

Anyone know safe/reliable way to buy Bitcoin or equivalent in London? I am new to the game but tying to explore options.

Any good resources to use while buying the first condo?

What are the good LPS for quick gains in this market?

With most opting to road trip/drive as vacation alternatives during covid, what stocks do you think would benefit?

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

Fairly recently divorced and feeling the financial pinch of having one income. Unfortunately my salary is not in the 6 figures. I am afraid I need a second job (part-time). Is anyone else in a similar situation? What part-time job did you find or recommend?

Has anyone bought equity of pre-ipo companies / start ups? Any sites to recommend / has it worked out for anyone who has cashed out on major gains?

Thanks!! 👍

My portfolio is officially positive again compared to 3 months ago. Mostly ETFs, beta should be pretty close to market. Wall Street can be disgusting, I literally hear sirens out my window all day

I joined mindtree in Jan 2022. Suddenly there is a 10k deduction in salary in the month of April. The salary slip say 10k deduction as INCOME TAX.
Mindtree says "You come under 20% slab according to the income tax calculations. When all the tax slabs are applied you will have to pay yearly tax around Rs. X amount. So that amount will be deducted in monthly basis."
Why sudden income tax deduction? Why was that not deducted in the month of Jan Feb March ?
How can i recover that 10k every month?

Need some help: doing taxes and seems I exceeded the comp limit to create a Roth IRA and process a $6k 2020 contribution due to wife’s government unemployment pandemic boosts/extensions. Made trades starting in January ‘21 and portfolio has increased now 10%. Anyone aware of a work around to not get dinged / taxed? If not, I guess I would have to pay premature taxes on the gains (I think just the gains) by taking the money out.... thanks for any thoughts/guidance

Any travel tips for Acadia? Must-sees or dos? Going this weekend, appreciate all help!

how much should we accept for moving to Singapore?

CCTC: 14.4 lpa
Have offer of 23 LPA in India

How much should I expect for Singapore company if planning to move with Family?

No Diwali gifts in IQVIA?

Is it possible to switch from consulting to ibanking with a STEM background while on H1B? Or does USCIS care that your education and background fits perfectly into the little description? Job I’m interested in says STEM/business/finance UG required (it’s a capital markets role) but I’m unsure of how this would work (never switched jobs before on H1B). TIA!

Getting tired of my kitchen chair. I’m 195cm (6ft5) and need something ergonomic. I’ve heard mixed cases for/against gaming chairs. I’ve also heard Herman Miller is the way to go on the office end. My budget is $500 as of now. Any suggestions? Tall fish perspectives appreciated!

Quick question: which broker do you use for day trading? Robinhood, Lightspeed, TDAmeritrade, Etrade, or Charles Schwab?

Am I being too sensitive?

One group of friends I have are all white and they've been very insensitive to the asian hate that's going on lately. They kept saying it's overblown and how all of the videos they've seen are of non-whites attacking asians. I simply stated that I'm afraid for my parents because they're defenseless and they told me again that it's overblown and statistics don't lie.

It's pretty hurtful because racism is so real and I just don't understand the lack of compassion.

What is notice period at Natwest for new joinees (2 months) ?

Next week I’ll be having my yearly review. I’m hoping it comes with a raise. What percentage is a realistic amount? I realized I’m paid just under the average salary for an Account Manager (Landscaping) in Colorado, which is $70K annually. Any advice or suggestions?

Post a picture of your collection

Should I cut my losses for uvxy for oct 25 calls?

Visiting DC this weekend. Anyone want to play tourist? 24M Canadian!

Hi, I'm with EY GDS. I've only one offer in hand that is from PWC SDC, is it a good idea to resign with only one offer in hand?

Hey guys,

is it safe to move to healthcare organization which is established in India only 2 years ago, but in US it was established around 160+ years ago, keeping in mind on recession and job security?

Please help me on this!!!


Fractal Infosys Tata Consultancy IBM Wipro Nagarro

Happy New Year, Pharma Fishies.

Does anyone think K&N air filters are with it? Or is it mostly marketing / over stated product hype? I’ve also heard that they can be detrimental to your engine if you don’t clean and oil them properly

How many people in this bowl are also minimalists?

Open Poll: what’s your FIRE number, when do you pull the trigger, and where do you want to live? Personally, my ideal numbers are 10M, 35, and lower cost area of a HCOL (Brooklyn). One can always dream!

How do I find my true FIRE number, not the 4% rule based shorthand. I am at $3M net worth but I don’t own my home. Live in HCOL (SF/NY) where I could buy something but one, I feel I’m being a sucker buying inflated real estate, and two, I think my investments will compound faster than real estate. I’m 40. So should I calculate FIRE based on my current rent plus inflation, or based on taking on a big mortgage, locking up chunk of net worth into down payment and mortgage — and won’t then FIRE soon

Does anyone know the answer to this? - My first mortgage statement was generated on 11/2 with a due date of 12/1 and includes a month of interest based on the balance on 11/2. I made a principle only payment on 11/14 of $500 which was applied right away. Will the interest automatically recalc to reflect a lower outstanding balance for a portion of the month? I plan to do this every month.

At what point would you suggest working with a financial manager to set up your investment goals & make sure you’re on the right track for early retirement? At a certain age? After you have a certain amount of $$?

(I already handle my own investments but I don’t know if it’s time to get professional eyes at my portfolio & discuss my goals)

What does FIRE actually look like for yall? Does that mean you literally dont work anymore and just plan to take distributions out from retirement/savings? Or just not work in a company but still rely on some type of passive income like monthly rental income or a passion proj turned business?

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

We want to be ready to buy a house in about a year. We currently having money sitting in some CDs, but I feel there is probably smarter ways for us to be saving the money. Advice?

I’m 28 but new to FIRE and want to get started. What are the first steps for beginners? I feel so behind compared to everyone in this forum..!

Best way to fire? And what age?

How much do you save / invest each month?

What will you do once you achieve your FIRE target? How close are you to achieving it? In what ways did you have to calibrate your assumptions and expectations along the way?

Personal finance book recommendations?

Who’s on their way to FAT FIRE?

Realized I’ve been contributing all post tax dollars to my 401k for the past 1.5 years. Am I able to convert this to a roth somehow? What kind of tax liability might I have? Should I switch to pre tax contributions?

Let’s share food ideas we eat at home to help us save on dining out. This is where I need help since I love a good meal and don’t like to skimp here

At what income level / net worth did you get a financial advisor? Never had one, thinking about looking into it.

Unpopular Opinion: The last 4 months has been a DCAer’s bliss. I’ll be maxing out my annual Roth 401k contribution in 4 weeks. 🍾