Thoughts on increasing apartment spend from 20% of take home to 30% of take home? I invest 15% in 401k and an extra 2k/month after that. Outside investing would likely reduce to 1500/month. I have been spoiled with low rent (currently have 2 roommates) but looking to move in with bf. 30F.

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Now that you are a mature (not over the kill) adult, it is appropriate to mot have roommates. You are doing awesome with your savings. I say you will be multi millionaire by 50 if not sooner. Unless BF is close to proposing, I would skip moving in with him. As a person who married in late 30s, now is the time to be selective

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You’ll be fine. Go for it

Related Posts

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.

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Any MBB particularly strong in the healthcare space? Any examples of the sort of work being done there?

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Has anyone taken a job with great medical benefits but no dental or vision coverage? Did you find coverage on your own?

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Change healthcare. Does anyone know what the onboarding process is like? I just got a verbal offer and I’m waiting for the final offer. I need to leave my current job.

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Looking to move from West coast Big 4 to Toronto Big 4; M2 position. Assuming that the salary ranges between $120-130k, what’s the typical rental and daily expense that one can expect?

Just got paid out on my last day. How do I know the amount is accurate? Yep, it's almost equal to 2 paychecks. But I want to know if my pension was paid out to that same check. If it did, then I think I got paid less.

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What would you do?

(Or really this is just me typing out loud. )

Currently 6 years at job A at 100K and 10K annual bonus but lil to no upward mobility. It's safe if not going anywhere.

Recruiter reached out regarding Job B at 130K with greater advancement potential but it starts out at 6 Months Contract to Hire per the agency contract. No bonus, benefits adequate by comparison. There is no guarantee to go full time.

Interview just for practice?

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Hello everyone.. i have been rolled out of a project recently. I need to submit my client laptop via courier. Please help me with the policy of reimbursement related to this. Thanks

Can anyone provide insights for Korn Ferry Benefits? PTO, 401k, stocks, health insurance etc.
And are employees entitled to mobile phones or tablets for work?

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Bay Area licensed producer in life accident and health Seeking a producer position in employee benefits where there is a good base salary + commissions pay structure, or a salaried position in marketing or account management/benefits consulting where I can earn 50% commissions on groups I sell in addition to my salary. These are my current options so I know it exist. I’m an account manager who is licensed and can write my own groups, and I will get 50% of the commission.

What are the employee benefits at mphasis ?
Could you please let me know
Are there free transport , 100% company sponsored medical health insurance for self, sponsored certifications, leaves etc ?

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I pray God gets us through this time. Please pray and stay positive. Thank you to each and every person in healthcare that day and night are working to help stop this disease. God Bless Everyone.

likeupliftingfunny

Is this the official Amex Fishbowl?

Anyone from NYC Health & Hospitals? How are the benefits?

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I will be joining publicis sapient soon. I have some doubts. Kindly help me.

1. How many leaves i ill get per year (causal, sick, etc)
2. Will publicis sapient provide reimbursement for work from home setup.
3. Will i get any allowance for work from home (internet cost)
4. Work time based on your project
5. Which health insurance provider PS connected with

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How difficult is it to jump to healthcare / life science group at a BB bank or elite boutique after a few years at a boutique LS consulting firm? Long term goal of LS investing but invest focused exits from my shop a few and far between

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So my job offer has been rescinded a week after being offered. I would simply just like to scream into the void because what? I just spoke with the benefits coordinator asking for more details about the benefits package and now today I received this email? Wtf?

Post Photo
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Is laptop reimbursement policy still available or not since hybrid wfo has resumed? Joined last month. This is for Mumbai

Is someone working for cdphp health insurance client in atos? I am going to join in next few days Atos as consultant.

How is the work life balance, increments,job security.

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I have a Cloud Engineering PM interview with Oracle. Any leads for questions that I might be asked? Thanks in advance.

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What is the salary senior software Engineer java 5 yoe gets in siemens in the current market ?

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What’s the best 30-90 plan when you start as a SE to differentiate yourself from your peers?

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Does working at Google live up to the hype?

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Milk Bar Style Sea Salt Chocolate Chip Cookies

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Hi Fishes, please share your views on which company to join:
Delta vs Cisco
Yoe: 3
Compensation: Almost same

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Hi fishes,

I am interested in working aboard residing in India. What should I be prepared before trying for jobs aboard. Especially money. I couldn't safe much since I learn only decent amount. YOE :3

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Anybody from Mumbai Capgemini Airoli? I would be visiting Mumbai and my base location is in Noida. Would like to see Mumbai office if possible and anyone can guide the process?

Capgemini

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Can I get any reference bc direct application via career site isn't working?

I have 4 years of experience. Ihave a job offer from cisco as Grade 6 software engineer with 17.8 lpa fixed, 1.34 lpa variable and 3 lakhs JB. I have another offer from publisis sapient with 21.5 lpa fixed and 1 lakh JB. Which offer should i take?

Investing in Slack? Seems way undervalued compared to its user base. What am I missing?

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I’m 38 making $88k. I feel so behind 😕

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Just got a cut and colour today, feeling super mature and ready for job interviews. I've been in the same position for almost a year, but it is just barely paying some of the bills. Should I wait until I've past the 1 year mark, or is my new look enough of a door opener for me?

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How much TC and base salary can one expect for a”Head of X” title at Google?

Most overhear word in Amazon is “tracking”

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At what point did you realize that you no longer had to fight to make it? Certain number of clients? Certain number of AUM? Maybe never?

likeuplifting

Anyone in AWM/PE? Would love to chat about your day-to-day and how the teams are structured!

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I work at a company with 3 prior companies in the US and one in India. How do I get work reference letters from them? Who should be contacted for it?

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Additional Posts in FIRE Financial Independence Retire Early

Joining a startup without a traditional 401k (not US based). Are there any other equity investing options besides IRA and standard brokerage contributions?

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100% of my 401k contributions are in the Blackrock Equity Index. Am I making a mistake here? It basically has the same returns as the S&P 500 TR. Expense ratio is 0.015%

Does anyone have any inspiration stores of FIRE without an incredibly high income/family financial support. Looking for hope 😅

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Hi friendly people! I need help assessing my renting vs buying options.

I live in Chicago. I’ve been living in my current space for three years renting a 1200 sq fr apartment 2 blocks from Wrigley for $700/mo (total rent is $1400 but I have a roommate.)

I’ve been considering buying a place for several years and haven’t pulled the trigger because hoa + taxes in most situations is over $1k.

For ref a nice one bed and one bath close to the lake is $230k avg hoa $500. But no separate ...

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How much do you guys keep as rainy fay fund and where do you keep it to maximize returns?

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What’s your savings rate?

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Anxiety attack. Age 40. Only $200k in retirement accounts. Rest is in taxable...

Hey guys anyone know what the new ibond rate is gonna be? Looking to maybe stash some more money somewhere that’s not gonna go down right now

likesmart

Anyone familiar with Tim Ferriss and his “four hour workweek” mentality? What’s your opinion on him? Does he have a place in the FIRE community?

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When you do your NW statement, do you count personal possessions? For example, my wife’s rings are appraised at $28k. I assume I could get about 50% of that selling it back so I add $14k to my NW. Considering stopping this…thoughts?

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Is there an income limit for contributing to a Mega backdoor Roth? I came across irs section 401(a)(17) and am confused about the 290k annual comp rule when it comes to the 58k limit for section 415c. Also does anyone know what happens if you exceed section 415c and what the process is to correct it?

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I’m eyeing a single family home investment in Wicker Park Chicago for investment purposes (its a $1m+, 5 bed/ba and very cool). Talking to the realtor, he said that typical..

For those who use YNAB, how do you manage keeping money in some of the long-term categories vs. investing in the market? For example, I don't need a new car now but I probably will in the next 5 years. YNAB tools would suggest I save up for this using money in savings, but I feel that money would be best invested. Same thing applies to home improvement projects, vacations, etc.

Does anyone here follow the Financial Samurai blog? Is so, what do folks think about his numbers for "average net worth of the above average couple"? And how does that jive with the FIRE principles/mindset?

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Does it make sense to do a cash out refinance and invest the money in the market instead? Circumstances has changed and I can afford a larger mortgage.

Current home value: $1.2m
Equity: $1m

Other debts: ~$3k per month mortgage +tax on another house (not rental)

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Say I put $1k into a stock, it doubles, so now I have $2k, can I withdraw my initial investment of $1k without paying taxes or does this still create a taxable event? I’m concerned since I technically sold my initial shares for a profit but I didn’t sell for a gain above my initial investment.

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How do you measure fire readiness when it Comes to real estate ?

My current + pipeline homes (2-3) year stats:
Purchase (10 homes) 4.3M
Down- about 25%
Market value- guess if 5.4M
Equity of 2.1M , net equity of 1.0 if exclude my down payments
Cash on cash isn’t best but about 4.5% ( lived in some of these homes)
Net income- 50k/yr

Clearly high assets and loans with small cash compared to current income but building wealth. How to measure fire - income? Wealth accumulation?

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What tools do you use to see if you’re on track for retirement? What are e best wealth forecasting tools based on current portfolio allocation?

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Hi, I am 23 years old, Recent grad and I'm gonna be making about $60k a year, with 0 debt. $20k in investments which includes retirement accounts. Am I doing good? I need some advice on my next step. I'm going to be back in school to get a higher degree and need to help my parents renovate their house, so about $10k from me and the rest from them. Is it smart to do so?

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