To experience a rich life, one’s best investment is in that which even those with significant monetary wealth won’t be able to purchase at any price…. Relationships , health, and learning

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

How do you all save for a down payment? Graduated last year. No debt. 1 month from having my emergency fund. Not contributing to 401k now but will contribute 6% in a month.

Hi all,

I am a surgical coordinator at NYU and have been in my position for 3.5 years. There’s not much room for growth and I’m getting to a point of being burnt out. I am looking for a career change but kind of at a loss. I do enjoy working in healthcare, but am open to anything. Any suggestions? Thanks!

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.

How do you handle extended family’s poor financial choices other than distance yourself? Especially when some of their choices affects you and your family?

Any tips on how to find a good high yield savings account?

My gym charged me for April but they’re closed... have you guys called your gyms to get your money back?

Currently live in capitol hill- love the parks and beautiful streets and restaurants but want my kids to have a big backyard etc. Trying to decide where to buy a house — we love Frederick,MD but ...

What was your experience selling a car independently? Is it worth the trouble or is trade-in better?

Anybody have a mortgage provider they like?

I am out of a gig or will be very soon, have a not so great stash saved and no leads. But you know what? I’m NOT worried and I’m grateful for what I have. My health, my skills and my attitude.

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Best insurance for MBA students? Do people use the insurance provided by the school?

How can i buy and sell stocks in the UK? How much are the taxes?

Markets in red🔻 Good day to invest?
Current portfolio down by 7%
What is the ideal number of funds to invest in if monthly budget for SIP is 40K?

NYCers: has anyone been able to successfully negotiate their rent down because of COVID? either within a lease period, or resigning a new lease. thanks!

Best tips for not checking your investments daily - even though I try to avoid I can’t help but take a look every couple of hours 🙈

I have no idea what Bitcoin is and have no interest in learning.

Anyone in STL? I’m here for the weekend and have an extra ticket to the game tonight

The main partner I work for is constantly trying to set “legal traps” to see if I fall into them. For example, he ask me a specific legal question (to which he already knows the answer) to see if I am able to deliver. I’m so nervous now (this has been going on for over a year) that I often end up falling into his trap by doing (stupid) mistakes. What do you advise me to do? My self confidence is slowly getting destroyed. This does not happen with other partners.

CV advice please! I’ve been running deals myself (w one senior partner) since I was a trainee because 3/4 of my team quit back then and the partner to assoc ratio was very high in my team. Was tough but great training. I’m just under a year qualified (including my training I have 2 years of exp). My team is now staffed with 3rd/4th year assocs but I’m still chosen for the biggest deals and I draft the loan docs which the partners wouldn’t ask the other assocs to draft (Cont below)

Remote work - obviously purely speculative at this point but how harmful do you think being fully remote will be to progression from mid-level associate through partner?

How hard is it to snag a Twin Cities area in-house L&E and/or Litigation position when relocating from an out-of-state jurisdiction with junior partner/of counsel level experience? (CONT’D)

Massachusetts state court, if plaintiff loses at med mal trial, can defendants seek attorney's fees?

The smart cube
Hi,

I have a interview scheduled with The Smart Cube for Senior Digital Analyst.

I have 1.7 YOE.

What kind of interview questions could be asked?

Hello everyone! I am looking for referrals in Scotiabank (specifically Research Consultant). Any leads will be appreciated. Thanks in advance

I have resigned from cognizant. I have many casual leaves , earned leaves , earned leaves carry forward and sick leaves.
Will they pay for all these leaves ?? Or only for specific leaves ?

Is cognizant work on hire and fire policy

How is work life in Amazon Kindle Team?

Suggestions for local gift baskets I could send a recommender?

Will I be eligible for next year appraisal in Wipro if I join by July 2nd week ?

Hello everyone. I'm currently in healthcare sales and I was interested in AE roles because the pay seems good however every entry AE role I've applied at the base is low...like 30-50k low..is that the going rate for entry AE? The OTE isn't that high either, the last AE job I interviewed for had a 50k OTE..and that's not enough for me in this economy...I have a four year degree and 2 years of sales experience..the pay just seems..really low. Thanks

I have a total experience of 7.6 years, with 5 years as Test specialist. I have experience in manual/Automation/ETL testing.
Current CTC - 8LPA.
Expected CTC-`12-15LPA
Can anyone refer me to better companies in Gurgaon Location?

Quick question
Do you guys sanitize your phones and devices evertime you take them out??

Hi guys, need 11💟 to DM, Kindly help please! Thankyou.

How do you handle extended family’s poor financial choices other than distance yourself? Especially when some of their choices affects you and your family?

Anybody have a mortgage provider they like?

Torn between wanting to live alone, but knowing I could save ~$800/month more if I just kept on living with roommates. I'm 27, feels like it's time? Or am I being crazy?

Hi All - new to FIRE and trying to make the right decision around investing my bonus. My company works with Fidelity but I've heard so much about VTSAX. Is it worth opening up a Vanguard account for post-tax investments or are FZROX and FSKAX true alternatives? Thanks so much

Where do you all want to retire? Share your retirement location goals and reasoning!

What changes (if any) would you make to your life once you reached Coast FI? Mid 30s, no kids. I like my job but the intensity is unsustainable in the long run.

What American city would you choose from a FIRE perspective?

O.M.G! How am I supposed to achieve FIRE if my dog is constantly going to the vet for tests, meds, special dog food, etc.?!!!

Traditional IRA or Roth IRA? And why?

Employee stock purchase plans. My employer has an ESPP that allows me to buy stock at 5% discount on the last day of each month. There are no fees for purchasing the stock or reinvesting dividends. There is a $15-30 fee to sell depending on the type of sales order. Is it worth it to contribute and sell once or twice a year to take advantage of the 5% “free money” while also avoiding the risk of putting too much money in my employer? It’s a pretty stable utility if that matters.

Does anybody work a part-time job for spending money? I’m considering working one retail shift a week purely so I can have some frivolous spending money that doesn’t impact the budget. Is it crazy to kill 6 hours a week for less than $250 a month?

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

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.

What’s a good rule of thumb for what percentage of take home pay your mortgage takes up?

How do you factor in helping your extended family in your expenses? I'm a 1st generation immigrant and still have most of my family back home. I'm trying to reconcile having money in savings.. CONT

Passive income ideas for consultants...real estate, Stonks, what else?