Very interested in hearing what your planned asset allocation will be once you are FI or FIRE. I plan to be FI by age 45-50, and not exactly sure how I should allocate my portfolio. Im 30 now and my current allocation is 95% equities. I feel like that’s too aggressive once I hit FI. And do folks recommend reducing the equities exposure gradually as you get closer to your FI target?

In this bull market, are we still maxing out 401k, IRA first? I think I should coz of the tax benefits. But it’s hard not to pick individual stocks now.....

Has anyone noticed how attractive realtors are or is it just me? Recent studies show the more attractive the real estate agents, the higher the listing price of the home.

Looking to put away money for kids college education. Any advise on things to consider while shopping for 529 plans. Is it always better to buy a plan offered by your home state? Welcome other options to save for college as well.

Anybody else watch the recent Doctor Strange and Thor movie and immediately stop or cut down their investments to Disney? Or am I the only one?

What are people’s thoughts on coinvesting in your fund? My fund is offering this and I need to decide. I’ve never done anything like this before, and I’m also looking to buy a house so I had been saving up cash for that.

I own very little crypto (invested only a couple hundred/down ~60%). Is it worth holding or should I just cash out and treat myself to a nice dinner 😂

How do rate locks work? I’m in NJ and I’m finding it so difficult to understand their fine print. No lender locks a rate here unless you have an accepted contract and further if that contract fails to close the rate lock automatically expires. I keep hearing so many folks saying they have a rate lock when I go check out open houses and I wonder how did they manage that?

I am targeting to reach $1M capital accumulation with in next 2 years and wanted to generate 10% ROI annually (average over 10 year duration) on that $1M. What would be your portfolio allocation and investment strategy to achieve this? I am open to carve out some capital say 100k for options trading. What options strategy would you recommend?

Is the pre-tax 401k limit for your contributions+employer's contribution total?

What is the best way to buy XRP in USD?

Coming with 8 years of international sales, account management & shopper marketing experience, I’m getting Retail Associate/Sales Associate offers by CPG companies with as low as $18/hr and $0.46 per km fuel.

While I think it’s a great opportunity to learn about the Canadian market as a new resident, it would break my bank and I would have to buy the car for this roles while living in Midtown Toronto. It doesn’t make financial sense to me.

I would love some thoughts & suggestions

Under what circumstances should I invest in an IRA and/or roth instead of my employer’s 403b (after I contribute enough to meet my employer’s match amount)?

My wife and I together make 450 TC (180 and 270) . We live on the 180 k pay heck while I save my 270. We have two kids, moving to the Bay Area from the east would it possible to continue with this lifestyle , looking to rent ? We are frugal with our money, My initial guess I would need to step in. It not sure how much of my paycheck would go. Has anyone been through a similar situation?

Made 60k gains in stock last year, lost 40k this year while everyone getting rich off of crypto 😢😢😢 I’m still holding my stocks for the long term. Long live Altyrex and Peloton stocks. Down 30% on those stocks.

How should be my CTC structure in order to save taxes?

I am 24 and I have no plans to purchase a home soon but want to start saving for a down payment before putting my money in investments. What is a reasonable goal to save towards?

Winston or Dalton? Trubisky being hurt fucked me. Also, Ingram or Breida? Im thinking Breida bc my matchup is starting Kamara

Can one apply for multiple positions in a company for different countries in EU at a time?

Just want to say thanks to all the managers/directors/employees who genuinely do care about there people and developing them and helping / supporting when they are struggling. To all the others that don’t this is a good opportunity to improve because people don’t need you / the company as much as they used too.

Are your firms amenable to a more flexible work setup post-COVID? What discussions are being had? If I ever have to go back to 5 days a week in the office, I won’t make it...no exaggeration

Recruiters - how do you know/how are you qualified to judge what good creative is? Do CD's tell you what they're looking for and/or the type of creative they're looking for?

Best Chipotle location in the city?

I swear the quality at Chipotle has gone down. Not sure if it’s because I always order online for pick up? For me, it’s never made right and doesn’t taste the same. Any similar experiences?

Canada Western Region Deloitte Consulting - What do you do when your leaders (P/SM) block your promotion in a passive/aggressive way, don't support your case for promotion and don't increase your salary? I guess the Talent Team wound not be of much help as they work for partners. Has anyone faced this situation? Any advice other than looking for an 'exit'?

If you could change anything about social media, what would you change?

Need personal experience here- how much have you spent with your AD before it became a ~tiny~ bit easier to acquire harder to find watches than say a customer off the street?

I've noticed that my coworkers tend to work more on their own than with others, even when they're all in the office. Is this normal? I feel like it would be helpful for everyone to talk about their projects more often—I mean, what if someone else has solved the same problem you're trying to solve already?

Any one working in Emirates NBD in tech roles?

M33 visiting Nyc this week, would love to meetup for drinks,dinner and dance🥂

I’m seeing people having 4 yoe out of undergrad making Partner in 4 years of joining Sequoia, is this normal now?

Hi Fishes, Working as Process & Proposal Engineer for Air Pollution Control equipments for various industries. Total experience is approx. 10 years. Now want to switch my career into EY, KPMG, BCG, McKinsey etc. for salary hikes and role change. Please guide me in this regard. BE (Mech), PG (Thermal), MBA (Marketing) Accenture, EY, KPMG, McKinsey & Company, Boston Consulting Group, Tata Consultancy, Capgemini, Cognizant

Got offer from zscaler , on SSE 2 position , is it safe to join . how is work life balance .

What is the "restructuring" currently happening at Gartner consulting. Does anyone know?

Hey, can anybody tell me the salary bracket for process developer (band 5B) in Genpact
CCTC - 3.42LPA

Hello All,
Served NP and can join immediately.

I am Data Engineer with 2 PATENTS and around 3 years of experience in Banking and Finance domain working in Agile development. Skilled in Python, SQL, PySpark as primary to create ETL data pipeline and deploy code thru Azure CI CD pipelines to load into Hive/Spark table by creating BMC Control-M Jobs.
Please let me knoe if there are openings.

Stay.the.course. Easy to say, hard to do. Here is one legendary Bogelhead post from banking meltdown 14 years ago. Worth a read and very instructive….adding link in comments

I am just so happy with my realtor that helped me with my investment property purchase. Totally worth it. Really helped me navigate through the market and make wise decisions. If you are looking for a great realtor in Orange County, Long Beach, Los Angeles areas… please DM me. Happy to refer.

Live in a HCOL area and looking to purchase a home. Total HHI is 250k. How much house should we aim to purchase? We have no debt, and this would be our first home. Homes in our ideal area start around 600k and often need additional work. Nervous about spending so much money on a house.

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

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?

My HH income is around $450k annually in the US, but the collective net worth is only about $400k. My SO and i are struggling to increase net worth… breakdown of our assets / liability listed below. Any advice appreciated!

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?

What is your current age and asset allocation? Im 30, and invest abt 60% in domestic equity, 5% in foreign equity, 5% in bond and 30% in high yield savings so I can have more liquid $ to buy a house

Anyone here own multi unit rentals as a source of supplemental (or main) income? Looking to enter the space and would appreciate any wisdom/learnings you may have to share 🙏🏼

Does anyone have one of those Infograph’s that show how to optimally allocate your savings? Something like 401k match > HSA > Roth etc (example, I’m not actually sure what the steps are).

To all my DINK couples out there….what’s your annual budget? I used to think kids are what I flat ppls household budgets but husband and I are def experiencing lifestyle creep when I evaluate our monthly burn. Ex a pilots license (one time) my husband pursued were at about 7k a month. With the license we’re closer to 9-10k but again expect this is a one and done. Was wondering how 7k looked versus others in this bowl

Personal finance book recommendations?

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

If one has a 401k (pre tax) thorough their employer and an independent Roth IRA (after tax), is investing in a Roth 401k (after tax) a better option if the employer allows it? Making a little under 100K for reference

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..!

I have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

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