Whats the biggest tip you have for FIRE?

For me, I think “pay yourself first” is the most important. It forces me to save money first so I wouldn’t need to worry about making a budget for expenses, since I can see how much “disposable” money I have to spend.

I just started this recently. Each month, I allocate $1k of my pay to my brokerage acct and $1k to HYSA (to buy property). I max out 401k and do backdoor roth. And save all my bonus. So each yr, it’s around 70k: 24k + 20k + 6k + 20k bonus.

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

Do bank managers/loan officers at local branches have any sway in approving loans? I live in a small Midwest town would it be better to go to my local bank and see if people I know there can get a better rate etc on an auto loan?

Hoping to get my PHR in the next year or so. Outside of employer reimbursement, are there other opportunities for this to get funded? I know SHRM Foundation offers scholarships for the CP, but I am looking for PHR specific help. Thank you! :)

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Is it technically possible for a realtor to both represent buyer and seller and earn from both ends?

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

Any tips on taxes for defi? And yes I have to…I transferred from a KYC to my Fantom wallet and have soo many transactions

These paychecks aren't cutting it. Side hustle ideas?

Hi ,
I have 8+ years of experience and UKG has offered me 18 LPA fixed plus 10% variable. Is this fine for 8+ yoe ?
And they were offering me some amount for buy out but things didn't work on out at my current company ,so now can I ask ukg to give that amount to me as joining bonus ? Please reply.

What will it take to retire the FAANG acronym? 🤔

Hi all,
I’m currently working for a small technical consulting start-up firm. I make good money, have great benefits, and they seem very happy with the work I’m doing, so I know I could move up quickly. However, tech consulting is definitely not my dream job. I want to get into data analytics, and I have an offer from a big company to do just that. I’ve only been at my current company for about 8 months, but I don’t ever see myself loving this job. How do I know when it’s time to make a change?

What bank do you use, and why? My old bank doesn’t have branches here, looking for suggestions.

Are there any trusted resources for information on cryptocurrency investing?

(I've written enough long-form marketing disguised as a news to know when it's happening to me.)

Experienced tax professionals - If you have any interest in switching to Deloitte, the deadline for the enhanced bonus is ending soon. Happy to kick back some of the bonus for any successful hires. Golf season is underway and a nice Scotty Cameron & Vokey wedges are a real joy. Hit me up with a DM if it might be a good fit for you.

I just want to retire

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

Advice for attacking the data room and putting together my first sell-side disclosure schedules? (Baby M&A att’y 2 months in). I have an associate mentor who encourages me to flag items I don’t understand and will walk through them with me, but at this point, the only thing I understand is that I don’t even know what I don’t know and what I do know that I don’t know is basically everything.

How do you bill your time? The busier I am the harder it is to bill. How do people actually bill contemporaneously in detailed terms when you bill 12 hours but literally did 100 different things in those 12 hours. And it’s never slow enough to go back and do it super detailed.

Has anyone successfully sold your gently used clothing for cash on the spot anywhere in Chicagoland? If yes, where? Have a lot of nice stuff that I’m bored of but Poshmark takes too much effort for me and I find consignment stores usually take months until anything sells and then getting your money is a pain. So looking for instant cash. TIA

How are ppl feeling about Miami as a city to live in since you can work remote now?

(extent of my knowledge comes from Will Smith movies and songs)

I’ve been feeling so discouraged finding a remote role. I’m a 3D designer but work primarily making virtual apparel and haven’t been finding a lot of remote roles for this. Any recommendations?

I'm currently completing a tax LLM (as a foreign trained lawyer) but considering pursuing a JD. I'd like to do it part-time while working. Which firm/service line gives me the best chance to do both? Also, is part-time Big4 work even a thing?

If I invest in Eth today, would it be smart? Or should I wait till it cools down?

Just arrested a drunk driver with an “I back the blue” bumper sticker on their car. The way I see it, one of the best ways to support us is to not commit crimes but here we are…

Could anyone give suggestions on how to prepare resume to get shortlisted for FAANG companies?

What is your firm’s vacation policy? How many days do you get? Are you happy with it?

How much medical insurance is provided by Tech Mahindra?

I am currently working in advertising with experience on fintech & CPG. I would like to work in tech marketing, specifically Google’s APMM program.
I’ve been studying some PM/PMM books/podcasts/videos, attending Google events, and want to keep learning more to try to prepare myself as much as I can.
What resources helped you get into product marketing/Google?
Has anyone here moved from advertising to tech?
Would love to hear from a marketer about their experience getting into Google.
Thank you

Hello, I’m wanted to move back to London. Can someone recommend a few good consulting recruiting firms to reach out to? Thanks!

CMAAS Senior Associate interview questions?

Hello people,
I am looking for a job change. Currently I'm working as a business execution associate in Wells Fargo and have 4.5 YOE.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Aside from the normal baby registry stuff, what are the best financial gifts people can give? For example: savings bond. Can you open a brokerage account to add to? What are some cool smart things you’ve seen or done?

Was just on a call with my mother who claimed someone helped her bought an investment target that has high consistent return (>25%) without loss to principal and low risk. Is this possible?

Am secretly freaking out because she doesn’t know what she bought. It is her own money but I wonder if it is my place to step in…

1M net worth, 450k total comp, age 35, just paid off tons of student loans TONS, want to retire at 50. What’s the move?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

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

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

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

What’s your FIRE target age (where you no longer maintain a salary job)?

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

Does anyone pursuing FIRE actually like their current job? Trying to get a grasp of how much of the FIRE movement is driven by escapism from unfulfilling work.

Anyone here retire in late 30s or know someone that has?