What’s one personal finance or business decision that made you significantly richer? Looking to learn from real examples—simple, but powerful moves.

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Marry rich

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That’s true but not in my control

Honestly, it was living a different life from others and then leaving my 9-5. By making smarter moves in my early 30s. I was able to put myself in a position to being able to leave my job and pursue other things. I did not realize how my job really slowed me down from earning more money. Just from me being my own employer, I’m able to put $70k+ in IRA and my spouse too.

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Love this! Willing to coach someone ?

Put as much as you can into a 401k.

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Isn't that money OP won't be able to touch until retirement ?

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Set up a regular monthly purchase. Never sell those shares. Increase the amount every time you get a raise.

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Live on less than you make. It's incredibly basic, but debt is the opposite of wealth, so if you stick to a budget and invest every month, you'll be a millionaire in no time

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I tried but the roommates were crazy so I’d rather pay for peace

Young engineer just coming into the workplace. I want to know if I should bother with 401k?I have desires to get wealthy before my retirement.

Any advice?

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Looking to sublease a 2/2 at the Santal in SW austin overlooking hill country views July-November 2k/month

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I got dotnet lead oppertunity in luxoft banglore as remote from chennai,
Is luxoft has job safety? Anyone work there here?

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What is resource management group?

Hi all, so I got an offer from TCS last week with 2L of joining bonus. The JB related details are not mentioned in the offer letter and when I tried calling my HR he is neither picking up the call nor replying to my email. Will they be giving me the bonus, if yes what shall I get as a reference from them. Please advise. TIA

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Where do professionals 30+ meet people these days besides dating apps?!

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Anyone up for chat ?

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I want to get botox but dont know where to go in philly. Curious if anyone has a place they like/would suggest?

If I wanna leave the firm in December.. when do I have to tell to my audit teams? I have to be utilized well enough to get my 30 month experience till december.

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Hi Fishes,
Need 11 likes to unlock DM. Thanks in advance

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Hi Fishes,

Whats is the best mail content to ask for extending the joining date ?

Any approaches that would work at most times

TIA

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For 2 comparable opportunities, with factors as below, which would u chose:
A: Location very far from current home(20km), indiv. Contributor role, very good scope of learning, notice period 3 months, mandatory 3 days in office, pay 2 lakh more

B: location very close to my home, techno managerial role, moderate learning scope, np 2 months, 1-2 days in office, pay 2 lkh less than A

Both are big product based firms.

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Is it a fail of character leaving biglaw? I want to leave, but despite the constant stress and suffering, I can’t avoid feeling like it’s my fault or that maybe I’m over exaggerating how I feel. All my colleagues feel ridiculously happy, I’m the grinch one that’s never enjoying the grind (but the grind is hard and competitive, very competitive) :( any thoughts? Is there future after quitting biglaw so young?

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I’m a junior in big law and in the short time I’ve been here, I’ve noticed that counsels produce perfect drafts and yet aren’t partners but partners can’t write two sentences without numerous typos. Shouldn’t counsels be partners and partners counsels instead?

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Everyone’s so focused on Airbnb and Doordash lol. Nobody’s talking about C3.ai though 👀

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Has anyone built an emergent learning group in your consultancy or company that focuses on reflection, feedback, problems of practice... But amongst designers staffed on different projects/clients? How did you structure it? How did you maintain it?

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Anyone work as a proofreader? Interested to hear experiences.

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How many leaves are we entitled in American Express in my ADP portal i can see only 24 as of now

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MBB folks, I’m a Product Manager (non-tech company) and interested in working at MBB.

Which level/role does MBB can offer me ?

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CPE question: if I won’t get my license til summer of 2023 does CPE that I earn starting in January of 2023 count? Just want to make sure I know how this works. Thanks

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Additional Posts in Personal Finance Bowl

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

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Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

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For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

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I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

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I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

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What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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Thoughts on personal loans to consolidate Debt?

likesmart

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

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Google stock to buy now or after the split?

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Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

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What does 401k mean?

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Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

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Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

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Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

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