What is a good read/place to start with FIRE? I’m 28 and have 1k in my bank account and 110k in student debt. Making 65k but have had to spend most of my savings on medical issues recently :( I think that deluge of shit is going to end soon and I can go back to saving, but I don’t know what my next move should be. Any advice would be really appreciated.

Hi-I have 120K in cash in HYSA. After keeping emergency fund aside. Still have 75-80K available that I plan to invest. After 401k, HSA, IRA and monthly expenses: we are left with 6K every month. So investing 12K every month in market. My worry is with that rate - it will take us 12-14 months to move the extra 75-80K mentioned above. However do not want to make a bulk move. Any advise how to plan the switch. At present have 60K invested in stocks. Thanks

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

Today I lost out on a house because my offer of $90k over the list price was beat out by another bid. Everyone else having an equally crappy Monday?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Decided to payoff my mortgage.

I recently sign a lease. The apartment will put my security deposit into an interest-bearing account and requires me to fill out a form W9. I will join EY this June and just wondering if this is ok in terms of the independence rule. I guess the apartment will put my deposit in some sort of funds. Anyone with EY has experience? Reading the independence brochure, looks like it does not specify something related to this scenario but just wanted to confirm . TIA!

Hi All,

Can anyone let me know the premium per month for group term life insurance policy by lti.
As this premium will be deducted from our salary so can we add this deduction under tax exemption or not ?

PS : I am a new joinee and filling form B for projected investment, please let me know anyone.

Any story to share if you are caught knowingly or unknowingly trading on a non approved broker platform for stocks

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.

Airbnb is going to go public pretty soon. Are you going to pick up this stock?

Living in NJ and may be able to choose NYC as my home office. People who live in NJ can choose NJ / NYC office, which one did you choose?

NJ office: no NYC tax, don't have to file 2 state return. Live in NJ so auto assigned to NJ office currently.

NYC office: NYC tax on paycheck, easier commute, possibly higher pay?

Interviewed recently with @VillageMD. Anyone have any insight about the remote Medical assistant positions? Preferably someone who does or did work in that type of position with this company. How was the workload? How much time is usually spent on the phone answering calls?

Why do there seem to be so many comparison threads of achieving XX salary/net worth by age Y?, especially amongst younger people? Is this the fallout of social media and do you think it’s a generation-wide thing, or just contained to folks in “preftigious” circles?

Does j2 background check decline you if they see you’re still employed with j1?

Have about 5k to invest - should I do FXAIX or FSKAX?

Hey Guys, does anyone know if jp has plans to call people to office full time from next year? I have my joining date as 1st November and want to know if they’ll continue with the hybrid model or no?

Does your firm give you credit for hours that were written off? Sometimes I feel if you don’t lose anything for hours cut from the bill, you have incentives not to be 100% honest w/ your timesheet.

Anyone lateraled at the 2-4 year mark from boutique (40ish lawyers, corporate lit work on same level as biglaw, making top NY pay) to v100? Can you say anything about the experience? The reason I’m considering is while boutique is generally a good place for me as an associate (NY pay, reasonable WLB, good experience on many fronts) there’s basically zero shot at making partner.

Any insight on NYC firms with great work life balance? Doesn’t have to be cravath scale but something relative to the market.

What’s the best way to get out of small law? I am a junior partner and don’t want to be running a law firm by myself in 5-10 years. The mid-level partners are not business-savvy so I don’t see myself wanting to partner with them either. I want to move to a larger firm.

Need hearts for chat..please help.. thanks

Any brand/model recommendations for stylish and functional thermos bottles?

Which machine learning conferences are FAANG companies recruiting at ?

What should be the average salary of a person LLB graduate having 6.5 years of experience in Legal department of a company in Mumbai.

What would be a fair compensation for a L5 engineer role at Amazon Berlin? They asked me for a number before making the official offer and I'm not sure what to ask for. I have around 5 years of experience if that makes any difference.

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

Hi, Sharks,
I have 7 yoe in .Net web development, recently joined Deloitte but there are no projects on .net development. The manager is asking me to learn sailpoint. I need your help to know-how is the future scope of sailpoint. If I want to start my carrier in cyber security what are the steps I need to take.
And the last question should I move from s/w development to cybersecurity...is it an easy step...as I don't have much background on cyber...pls help me

Waiting for an offer, do they check references before or after giving offer? And normally how long after interview will I hear back?

I’ve just passed the final interview for a Business Development Manager position for SaltPay, UK. Does anyone know of the commission structure, KPI’s etc to expect? We didn’t get a chance to discuss it in my other interviews (it’s been a very quick process) . Would love to hear any insights you might have in the company. Thanks!

Any thoughts on clear eyeglass frames for men? Stylish or too casual?

How do you know when dependence turns into addiction? Where’s the line?

Hi friends,

I am working in pune and got an offer frm MS bangalore loc

YOE 8.3 Y Full stack automation tester
Offer Manager 39.5 inc all + 2L JB + relocation. 5L

I have received the formal offer, not accepted yet.

Can you all plz help if senior manager is possible. Should I negotiate now or near joining date.

Lot of package nego already happened.

I am afraid that if I join as manager my annual increments won't be good as I might be at higher end of manager salary bracket. Plz advice

Has anybody had any luck with flexible work arrangement (FWA)? I am looking to eventually be part time but still remain on higher level projects. Has anybody had luck at any other firms?

Not able to clear Independence Training for new joiners can anyone help how I can clear this?

I made 100k from selling auction cars like high graded vehicles but I want to seek more what business would you think would profit most

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

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign 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.

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.

Best long term investment strategy against inflation to get to a large nest in for retirement?

Have 20k, what’s a good small business to start with this fund? Serious question here

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

Best options (companies that provide) term life insurance outside of work? Please advise - looking to get this done this week for wife and I

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

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

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

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

What’s the meaning of life before FIRE and after FIRE?