What's something you know is a "waste of money" yet you still spend money on?

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

@Partners - how much money do you need to invest I to the firm to get your partner share?

Fish fam - quite new to all this and would appreciate your support. if I am based in a high income tax state but work on site in a lower income tax state. Can I claim the paid taxes back from my home state or do I always pay income tax based on where my home office location is?
Thanks

Will move in September to London
How acceptable is 60k comp given rise in COL?
Any tips for housing areas/process etc

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?

For those with corporate banking expertise, how do you typically go about calculating debt capacity for a company?

Hi all, new to this group and to home buying. Wanted to get advice on whether this is a good time to purchase a condo. Also how do you know which area is best in terms of future appreciation? Thinking of Hudson county, Newport jersey city or close to it. Any thoughts on pros and cons to be considered when purchasing a first condo apt ? Also what resources are available for a first time buyer . Thanks a ton in advance

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

How's Manor as a city in terms of buying a single-family home: school-wise, future price appreciation of houses etc ..?

Is this the official Amex Fishbowl?

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

Is there an app/software to consolidate and track your investments across different asset classes? (ETFs, stocks, bonds, crypto)

Should I ask for a refund for my Delta flight or keep it as credit that can last til 2022? Delta is losing about 50m a day, so it’s a bit concerning. What would you do?

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

Im so happy! I just paid off all my debts!

Opinions on getting a Non-Owner Car Insurance policy (especially if you drive rentals for work often)? Up until last month I owned my own personal car and had regular insurance. Wondering about (cont)

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 🧐

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

Process Specialist -HRO Infosys. How much CTC they gonna offer for this role?

Its scary the way startups are laying people off!

EY Irks (2): Timely review never timely

Anyone who moved from NY/NJ to Seattle? I had some questions about how you feel about your move and transition.

Hi Fishes,

Are there any updates to physically return to Banglore office for work? Is June a hard deadline to join the office?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Hey Sharks,
How much should one expect in a top consultancy firm, back end role (reasearch team) ?
Location: Mumbai
YOE: 7

I'm so happy to see this group. I can count on one hand how many President Trump supporters are in my school.

At what point are you too specialized to lateral to internal audit? (PA, consulting, or industry roles) Currently have 2 years of external audit experience and 2 years of forensics: I always thought of internal audit as a decent exit but I’m beginning to get worried about getting too specialized to make that move one day

Is anyone interested in subleasing a 2bd/br apartment (unfurnished) in South Austin May-August? It’s right next to Lady bird lake, pet/handicap friendly. $1903 a month.

How can I help our UX/UI people and developers become more familiar with conceptual advertising? One Show books? Hey Whipple, Squeeze This?

Hi Everyone. I have been offered a role as Experienced Associate in PWC AC Bangalore in management consulting . But they didn’t offer any joining bonus. Should I negotiate for the same?

What is the salary range for a Product Manager in the Atlanta area? I have 3 years of experience as a Product Specialist and have been offered a Product Manager role but don’t know how much to ask for. It’s in fintech. Any insight is appreciated!

Any good books or articles worth reading on product marketing and analytics? I come from more of a technical and general product management background, so I personally feel like I lack on the marketing side. Like Search engine optimization, etc. Thank you.

Coronavirus is more deadly for overweight people - shall we ban Coca-Cola ads for a few months to flatten the curve ?

Hi y'all! How flexible is your remote workplace is when it comes to where you live and how frequently you move? Do they expect you to stay in your city/province/state, or do they allow you to go full digital nomad? Do you wish your employer's policy would change?

Anyone based in SF or Bay Area want to network? I work remote and my team is based in LA so it’d be nice to network with folks who are local to me!

Anyone know of any great agencies that work in the purpose/social impact space? I am interested in looking into this area.

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??

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

Google stock to buy now or after the split?

Any good wedding ring sources aside from Blue Nile?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Thoughts on personal loans to consolidate Debt?

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.

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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.

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

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?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

In your opinion which is the best target fund to choose in IRA Roth?

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?