Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Thoughts on Tesla after the news of the pre orders?

I don’t have Wi-Fi on my name it’s on my husband name .. he works in different form .Can I reimburse my wife bills ??

I received my fnf from Accenture today. I don't know why 18k as 'other perquisite' is mentioned in income tax computation sheet?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

Hi All,
I recently learned that we can get our PPF limit from 1.5Lakh per year increased and so does it increase in 80C. Is that true? And if yes, how can it be done?

I recently switched job and joined another B4 firm. As part of the hiring I was promised with a sign on bonus. Now I have received the sign on bonus twice, in back to back paychecks. I know I have to somehow return the second bonus to the firm. Does anyone know how taxes work on this? As both the bonuses were tax deducted prior to deposit, when I return amount do I need to pay back the withheld taxes to the firm as well? Asking as the amount is big and don’t want to go in the IRS route. TIA.

I forgot to transfer my crypto or withdraw from binance to binance US. Is there a way I can withdraw or transfer now? I think the deadline was until Nov 2020

How do you feel about subletting your apartment? I’ll be away for 5-6 weeks and don’t necessarily need that money but it would also be nice to just put it into investments. Or invest into new furniture. My bf is grossed out by that idea but we are not living together, so it’s not really his choice. How do I find a reliable person?

How many credit cards do you own?

After 7 years of actively managing my portfolio I have concluded that simple boring index funds are way to go. I did well in tech stocks but have some I'll times entries and exits which kinda took down profits. Do you still believe actively trading would produce better results. I have learned quite a lot in process but now I don't think I would be able to give same time when life gets busy with higher roles, kids etc. Anyone have been successful in managing their portfolios and beating indexes.

Hi all, getting ready to rent my place and wanted to get a sense for what I can get in rent. Light filled 2B2B, 1450 sq ft. with gorgeous views of the lake from every room. Waive to the blue angels during the air and water show! Near montrose and lake, easy access to public transit, and full amenity building (gym, pool and laundry). Looking for a 18 month lease. Also, appreciate any tips on renting, do you just pick a standard contract or hire a lawyer, what about background checks, realtors?

Do we still receive points for the stay if I book through AmexTravel?

Is the real estate market slowing down?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

What does everyone use as their most reliable source of crypto currency news?

Gas is 5.30 in California right now. This is insane. Thanks Pootain.

That time of year fellas. Trubisky or Watson? Bears or Chargers D/ST? That is all.

P&T AMA is mainly people asking softballs and wishing Joe happy birthday. While I do wish Joe a happy birthday as well, I'd love to see a more candid AMA... perhaps on this bowl, where people can ask what's REALLY on their minds without having to put their name to it? Kudos to the one guy boldly pointing out the current comp issues...

You guys should check out the project J4BBAFORMS. It’s machine generated art. Very interesting stuff!

I joined an agency about 2 months ago and every single day I get more responsibilities, to the point that I don't even know what my actual job title is. I'm frustrated, to say the least.

Going on my babymoon next week to Paris and my husband has really just gone above and beyond to try and make me feel comfortable and supported during this difficult pregnancy. He's recently gotten into colognes, and I want to gift him a "design your own" in Paris from a nice place. Any suggestions?

I can see the draw for Trump and his personality. But how do people keep electing Ted Cruz? I am a Texan and just don’t get it.

Looking to buy an Indian outfit for my mom. 4ish lacs budget. Any recommendations?

Pros and cons of living in midtown? (NYC)

Guys , how will be our work after we shift to new company. This is my first shift actually i want to work in much more good technology. Can i attend interviews without having experience in that skill. I am pretty fast learner but will there be pressure if i join without experience

Hi Fishes,
I am currently on notice period and looking for a referral in Capgemini for P2P.

Referrals for chubb Newco Tata Consultancy Apple

After my RL meeting I knew it was time to go back to grinding Leetcode even harder

GTM moving back into consulting is a good idea in theory, but it’s like a train wreck happening in slow motion.

Sure feels like they are pushing to stand up a traditional CRE network for product sales inside of consulting … that won’t work in a service business. Some of us have seen this movie before - different theatre.

Watch how this plays out over next 6 months.

Anyone have Producer friends / contacts at Pandora? Looking for an in. 🙌🏻

Best prep material for cissp?

Favorite road trips out of LA for a 3 day weekend?

Anyone a CFP as a side hustle?

Anyone used/using HMBradley before for HYSA? They have a 3% rate which seems unreal in this economy. Just want to make sure it’s legit. It’s seems HMBradley is the marketer for Hatch Bank (FDIC insured). Any other recommendations for HYSA?

Hi! Pretty new to this concept, and really early within my career (only 3 months in). Currently on my company’s 401k plan, contributing well beyond the minimum to receive a match, and maxing the amount I can put in right now (25%). Dabbled a bit in options and stocks in general. Any advice, guides, or starting places you would give someone in my shoes? Thank you in advance!

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Pushing out my retirement date... Crypto down 60%, stocks down 30%.. I was a millionaire in Jan now only a 750kaire lolz. Just numbers on a sheet keep rolling

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

Does using a 401k Loan to pay off Credit Card Debt, Student Loans and build an emergency fund make sense? know it takes away from future returns but wanted another opinion or experience from it.

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Debt payoff update: house paid off, personal loans paid off, credit card down from 22K to 5K. Car loan is 21K. Looking to be completely debt free in 6 weeks, very excited!

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

Has anyone used Motley Fool’s stock advisor program, and found it helpful and worth the membership access?

Looking for a soundboard.
Expecting parent, 35yo, NW of $1.2M with investment property in my hometown in Europe near family & friends (mortgage is less than $1k). Current expenses in Bay Area is 5K a month, probably more once baby comes.
Thinking of leaving Bay Area in 2 years and semi-retire for a few years in Europe, focusing on parenting and freelancing.
Any thoughts on this plan? Anything I should be aware of?
Thanks!

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

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.

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

Are we on recession? My portfolio is super down - low cost ETF investor here