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

Just cleared $300k selling my primary residence and will move back into a house we used as a rental. Looking for investment recommendations with the $300k. Should we buy a business like a bar in a college town, buy a multi family property? Or break up the principal and invest into a mix of bonds/stocks etc?

Hello Everyone,

I have got an job offer but my car lease is on going....what are the options I have?

Does anyone have a good practical guide / book on getting started with small multi family real estate investing? I’m in Canada and am looking to avoid hype books to get to the practical need to know details. I have between 250-350k to invest and looking to scale as quickly as possible

How can I invest in S&P 500 from Germany? I am coming from the US and use Charles Schwab currently to do so, but would like to stop using it to avoid filing US taxes next year (not an American citizen).

TIA!

Has anyone taken a loan from their 401K for a down payment? Yay or nay on this strategy?

Has anyone used a loan to cover the cost of IVF treatments? If so, what lender did you go with and how was the experience? Would you have done anything differently?

31 year old manager, base salary 184k, 12% in Roth 401k. Deloitte also matches 3%, and another 3% for pension, both of which are tax-deferred…So total savings are 18% (12% taxed and 6% deferred)

1. Currently exceeding IRS limits. What should be my next account to save in?
2. What should my diversification of Roth v traditional be? I expect my salary to continue rising once I hit SM and then PMD
3. Currently 100% in VOO, thinking of switching to target 2055 fund, good idea? If so, when?

Hi Fishes!

My cousin has moved to another company from DXC technologies.
In DXC, PF amount is not credited in to EPFO directly.
We have UAN and it looks like not activated.
How can we transfer PF amount from DXC to EPFO portal?
There is no relevant response from DXC till date.

Small business owners, what's your retirement plan? Please share whether you have another job or just your business too

Is it possible to buy BTC instantly on GDAX if I have my bank account linked but do not have any funds in my USD wallet?

Slightly dark topic here - this might be a stupid question but if you were to pass away, would a will be sufficient to give access to your wealth and bank accounts to your beneficiaries (cont)

Thoughts on Webull investing app? Saw an ad saying they give two free stocks for new accounts.

Suggestions for a stock index fund to dump a chunk of cash into and hold minimum 2+ years, maybe longer term?

My company has asked for investments proofs. Jts feb only and i have upcomming mutual funds sip also. How can i show these upcomming sip investments ?

Is there a benefit to maxing out my Roth IRA now with the stock market down? I was going to wait to chunk it out throughout the year

MARKET UPDATE: Dow futures have hit their downward limit. Monday’s gonna be ugly again. Anyone selling yet?

Posting again now that I have new job offer out of state. Looking for lease takeover of my 2br 1ba 3rd fl walk up in W. Village 1 blk from Christopher St station. Targeting btw Mar 1 - Apr 1 move in (flexible). Unit is $3,137/mo and is rent stabilized meaning rent bumps will be in the 0-2% range / yr. Lease goes through Aug 31st and can be renewed. Not Covid price which makes it a super rare deal. Id ballpark about 700-800sf. Any qs let me know!

DM if interested

(FAQs in comments)

It’s me again complaining about trying to buy a house on my peanut salary. So my parents don’t want me to contribute to my 401k while I’m saving up for the down payment. Bad or good move?

Today, I officially have enough money to pay off the entire balance of my student loans. Won’t pull the trigger until SCOTUS issues a decision, but having the ability to do so is such a weight off my shoulders that I had to tell someone.

Wife and kid are going to be out of town for the next 2 weeks. Instead of wasting time, I’d like to do something productive. What would you do if you have say 3+ hours a day. Maybe self help, wealth creation type books, work out daily, take care of some things around the house.

I realized on the first day at my new job that I had made a horrible mistake. I started job hunting again immediately. That was 6 years ago.

I’m prepping for the family holiday bake-off and I want to come in with something that will overpower everyone with it’s decadence. My two requirements are simplicity and over-the-top rich. Anyone have go-to recipes?

Thinking of moving to Toronto and getting an MBA at Rotman (a life goal before my GMAT expires). Will I get a fair shot at MBB recruiting at Toronto? if I have 10 yrs consulting exp. in big4 mostly in US.

Was offered an Associate position at BCG as an experienced hire. Any advice on how to negotiate to come in as a Senior Associate? 3.5 YOE boutique consulting + non-MBA master's. TIA

Hi, I'm planning to start a software agency (solo or 2 person initially) while working full-time in a company. Any advice you could give me? Or, is there any problem with this?

Thanks in advance!

Any entrepreneurs out there that feel like there’s a million things no one told you before starting your company? (Good&Bad) 5 years in myself and nearly could write a book with my list of sh*t no one told me… curious to know what’s on your list???

I was diagnosed with ADHD at the age of 12. My family did not opt to put me on medication. I illegally discovered Adderall in college. Worked incredible. Got diagnosed after college & after having been fired from my first job. Passed the CPA exams on Adderall. Went off of it again. I do everything well at my job except for attention to detail within my excel files & emails. Will taking ADHD medication really fix this? Does anyone else have this issue and was it resolved by taking medication?

Hey PPMDs. With all that’s happening in our industry, how are you feeling? Appreciate candid responses so we know how leadership feels during times of crisis.

I just got poached!! And for the first time, I feel appreciated. Let's see if this lasts.

Any multiplayer games we can get going?

Hello fishes ,

I am working as talent acquisition analyst in CGI having 1+ yrs of exp in recruitment . Need some referral in reputed companies . Please help.

Looking for a job in Toronto consulting, being with deloitte for 4 years, looking to move from USA to Canada. Any leads? I love Deloitte, would not mind trying for deloitte office either.

When quitting, do you tell your Partner where your next role is? Why or why not?

Anyone here get their P.eng in Ontario from only working in tech consulting? Thinking whether I have enough experience to apply

Ex Deloitte Human Capital, KPMG P&C, EY PAS and PwC P&O, how did you guys end up leaving consulting? I’ve been trying to go to the industry for a while in either a change management or HR role and have had no success!

For those with more experience in the industry: How secure are agency jobs in a bear market or recession? Do layoffs tend to happen? I lived through COVID but my agency didn’t have tons of layoffs. Just a few here and there.

In light of some barista fire comments, let’s start a list of all the low stress, flexible jobs with good benefits after you’ve got that FIRE stash!

With a multi year market bill run, real estate crushing it, cryptos and startups flourishing, the number of millionaires, decamillionaire, centimillionaires and billionaires is growing rapidly. Add inflation in the mix and I worry that my former FIRE goal of 10M by 50 just won’t cut it the way the world is moving. Heck, I have more friends than ever sitting with a household net worth of 10M at 35-40 not to mention all that boomer wealth transfer coming their way. How to plan?

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

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)

Hi! If I was laid off and have no income coming in should I still buy the dip??

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?

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.

Hi! Got 60k in VFIAX and 30k in VTSAX brokerage. Where should I invest my 6k for my Roth IRA?

Hi in process of buying a house. Trying to negotiate a buyer rebate with a realtor - we will be moving from outside of town so need full service, (video tours, actual advice etc) - do most realtors work with rebates? Is 0.5 or 1% good?

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

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

There’s been lots of debate. Are you banking on the 4% rule? Why or why not?

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.

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.?!!!

Anybody have a mortgage provider they like?