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Any info on the agency Heartbeat in NY?
Bain & Company Hello Fishes.
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I'm looking forward for opportunities, hence would be great to know the current CTC trends to effectively negotiate with the employer.
Thanks in advance!
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The coolest car you can have is a paid off car
Don’t allow your earnings to become your kids.
Money is a teachable moment just like everything else in life.
SAVE AND INVEST EARLY
It can not be stated enough how important the idea of compounding interest is
I was so lucky I had a father who looked into the financial aspects of retirement. He attended seminar’s about the topic and he taught me to start right out the gate saving in my 401k. I have a very nice retirement and I am way ahead of my peers. I started putting in 20% when I was still living with my parents and never put in less than 10% of my salary when I moved out on my own. I cannot stress enough how happy you will be for your sacrifices today when you look back and you are closer to retirement! You will thank yourself over and over again.
Sometimes people are money pits too, can be a man or a woman, do not date them. It will constantly drain you and you'll wonder why you're financially struggling till you finally dump them.
Buy a house in the best school districts and bitcoin. Max out 401k first day of career. All while documenting it on YouTube and TikTok.
Do you have a brokerage window available in your 401k?
Max out your company 401(k), especially if you have a good matching and vesting program. It’s pretty much free money that you get toward your retirement.
Have separate bank accounts for things like car maintenance Etc.
Great explanation on compounding.
https://youtu.be/LQNGekNzaus?si=Q9ybQXXo1_5k9wmg
Regret cashing out my 401k from my first job.
Look out for fees!
DCA up not down
Always maintains some level of financial independence if you get married. You never know when things will go south.
Start early, be consistent and look forward — not back
Save. Leave way below your means. Pay your credit cards in full. Pay off higher interest loans. I’m about to be 37 and can retire at 40 if I wanted to.
Get the match in the 401k but make sure your putting money outside it too (you don't want to borrow from your 401k to buy a house). I wish this was a thing when I started working - if your young and healthy max out your HSA (first dollar over your 401k match goes here can't beat the triple tax advantage).
Oh and don't buy a house if you can't be there 5+ years (unless you plan on renting it and retaining ownership) transaction fees are brutal.
You can take money out of your 401k penalty free if you’re a first time home buyer!
Life's a bit easier with rich parents.
Start your 401k early
I wish I was born in an old money family
A pre-nuptial agreement.
I had to give my ex half of my 401K, plus the house that I totally renovated interior and exterior on nights and weekends.
I did get 2 great kids though.
Getting the Short-term bonds offered by ExxonMobil earlier leaves you happy with a secure and lucrative asset
Get a side hustle to offset inflation. I recently signed up the new side hustle platform thecareering.com
FYI they launched last week and essentially it’s a platform where college students book 1:1 time to learn the ins and outs and explore your career