What is a expense ratio for a fund you are ok with? What is the cutoff where it is too high? Asking for a family member who has significant wealth but needs financial advisor. Don’t want them screwed

For those heavily invested in Ether — what’s your Peace Out Price?

Should I invest in Tesla or Apple? Looking at least 1+ yr to hold

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

My SO is scared to ask his parents for his money back. The money they were holding on to for him. Now that he’s a grown man I think he’s old enough to hold on to his own money. He like needs a valid excuse to ask for it back and I’m like why do you need an excuse when it’s your money and he’s like well I don’t want to start a fight…. And the last time he spoke to his parents about it apparently there’s been some mix ups and so they need to sort thru what’s his etc. (CONT’d in comments)

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Is it possible to make a million in any sales position? I see so many classes and books on how to be a millionaire by selling. Seems like BS.

I bought VTSAX in 2020 at $56.00, 25k shares. Thinking of selling before it goes lower than that

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

If we did the after tax voluntary contribution (with the intention to roll it over to back door Roth) but don’t get it rolled over before the year ends, what happens? Can we do it after Jan 1? If not, is that now just a separate retirement account w our employer (did mine w McKinsey, after maxing out Roth $19500)

Any recommendations for a tax preparer? My return is going to be a little complex this year.

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Any advice for an extremely young, incoming Merrill FSA?

Left a company recently and they cut my notice short. Left with an outstanding balance from a work expense on the corporate card, is there any liability on me if the balance hasn’t been paid off?

Exploring use of Lexpense, Inc, litigation support services company for case valuation, litigation expense forecasting, funding, and vendor payment. Anyone use them?

Is moving from Seattle worth it? I've heard the freeze is still in affect in Portland but I'm more worried about prices. I WFH mostly and pull down like 120k a year, Seattle is getting crazy expensive rent wise and crazy full. I'd like to find somewhere new but stick to the PNW.

Tell me that famous movie/TV show everybody saw but you

Mine: Game of Thrones

I find myself whiling away most of my weekend on Grindr and other dating apps. >90% of the time is wasted and doesn't lead to anything. I know it's a black hole but I still keep going back. Off late, I've realized that more than anything else, I'm just lonely and don't have much else to do. I go there craving sort of connection and human interaction. In my late 20s - don't have too many friends. The ones I do are also busy pairing off and settling down. Anybody else in the same boat?

33f, tall looking for like minded Christian male

If you’re a finalist for Effie, does that mean you won an award? Or are you just the first loser? Lol

Anybody have any statistics on how well web sites work when each primary page has “long scroll” with 4 or 5 other pages that follow?

Hi all

What is CCA analyst which is mentioned in goal setting what role is that is it equal to associate

I joined cognizant in june 2021 and 2 months notice period was mentioned in offer letter.
What would be my notice period now? 3 or 2?
I am senior associate.
Unable to find np details in portal.

Anyone found a good Black Friday / Cyber Monday deal?

I am just curious as to what the difference is between the two. If you are managing a person/family etc money, are you not a wealth manager?

Does anyone know what the base/bonus range might be in HR at a mid-large PE firm, at any level?

What is a fair salary for a regulatory compliance analyst with 1.5 years of experience?

Who is looking for a new sales opportunity?
I have openings on our sales team. High intensity environment, startup culture. Great for someone looking to build new skill sets or recent grad looking to move into sales. Holding brief 10 minute calls to go over more details. $60K base, full benefits, uncapped commission. Must be NY based. Comment if you’d like a DM to discuss more

I’m building a house and it’s just come in way over budget like over 30%. I stopped putting money into my 401k because ever dollar I have is going into making sure this house closes.

BEC really the easiest section lmao?

Has consulting and FCG lost their luster?

If we did the after tax voluntary contribution (with the intention to roll it over to back door Roth) but don’t get it rolled over before the year ends, what happens? Can we do it after Jan 1? If not, is that now just a separate retirement account w our employer (did mine w McKinsey, after maxing out Roth $19500)

Just ran the numbers and it seems like undergrad and grad school costs will be through the roof when my kids go to school in 15 years. I wanted to try to aggressively pay off my house (400k loan balance) but am now thinking I can’t do that and will have to only throw money at the 529 (100k balance) for 15 years. Thoughts? What would you do?

Anyone living the dream DINK lifestyle to help reach FIRE earlier? Still very single myself but would love to hear success stories!

Hi everyone, I’m looking for some ETF recommendations for long term growth. So far I’ve been putting my money into VOO and QQQ. I do plan on getting into crypto in the near future as well but want a majority in long term growth ETFs. (For context I’m 24, single, 80K salary, HCOL). I’d appreciate any investment/life advice as well.

What should I do for consevative strategy of investment. I invested in RE before and never had time and brush up my knowledge in stock other than puting to my 401k. Now my paychecks per month is $10k. I spend maybe $3k for expense and misc stuffs. What is the best way to put maybe $3k to work? Buying big giant stocks? Or just some funds? Or maybe I should just put all of them in to work? I never take that much of the risk. I have home equity for emergency fund. Thanks!

What stocks or funds do you invest your IRA contributions in. Just opened up my IRA last week and looking to see where to invest in.

Any advice from a soon to be landlord?

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?

Should I throw my entire $6k of Backdoor Roth contributions into VTI or DCA in case of market downturn (ex: $2k per month)?

Not really a question, but maybe I’ll hit FIRE early since of the roughly ~20 or so stocks i keep in my portfolio, 3 of them were a substantial GME position I entered in September (and exited in the midst of the craze thankfully), RKT (expecting mortgage lenders to do well in the buying craze) and L Brands 😳. Never thought I’d hit 3x

If I roll my old employers 401k into an IRA this year, am I correct in thinking that what I contributed this year in that 401k still counts against my 401k contribution limit?

I think somebody shared the Reddit forum that is related to saving money in subscriptions in this bowl. Can somebody help me find that forum?

Moving from a miserable IB job for a small pay cut, but I can now actively trade without compliance giving me trouble. After rent & taxes, I’ve got about 10k per month to save; what’s the best asset allocation / distribution for a 24 year old who has a longish horizon and average risk tolerance?

Personal finance book recommendations?

Fire friendly car? I have a bmw and it’s paid off but it’s a ticking time bomb. I want something more reliable. Should I trade in and get a Toyota? For purposes of fire, I could get an older model since they last forever. But the new ones are tempting and I would pay maybe $200/mo. Worth it or just keel the bmw?

Are Long Term Care Insurance Plan and Disability Insurance worthwhile? Do you need both?

TL;DR: Social Security matters.

My wife & I are 35. If we quit working today, at 70 we are entitled to a combined $50k in annual SS in today’s dollars. (Source: SSA.tools)

$50k real is significant. Let’s be conservative and say that a 70 year old couple spends $100k per year. That’s SS meeting half of your required expenses.

Current law with current demographics shows that SS can fulfill 79% of benefits into perpetuity.

Assuming SS will disappear means working decades longer than needed