What's your 529 strategy? We've been putting $1k/month into my 3yo's 529 but according to Schwab, we'll still be $300k short if she ends up at either mine/my husband's college (private colleges - just using them as benchmarks).
To meet that target we could dump $$ in 529 now without hurting retirement too much (e,g., $75k), while continuing with our monthly $1k. But of course we'll risk grossly overfunding 529 if she didn't end up in the most expensive options. (continued in comment)

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

What’s some good digital invest account platforms?

Hi Folks,

Recently in sodexo, another card got activated that is multi benefit pass and it says i can use this money for apparels,bill payments and at petrol pumps.. is this real? No physical card is given yet.. did any 1 tried this card? if yes, could you please guide me?

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Anyone else pretty terrible at managing their own finances? I have an embarrassingly little amount of cash saved.

There has to be a point where focusing on minute details generates diminishing marginal returns.

Anyone know of any standards, or have any opinions, on naming in-house counsel as a named fiduciary of their company's 401k plan? Pros and cons?

Feeling a large wash out on TSLA is coming. Up on the week on leaked Musk email relating to deliveries. That number came in today at a beat. Bought todays puts when stock at 1208. Looking for 1150. Profit taking is coming. Don’t follow as risk is high.

Thoughts on living in Bushwick or Ridgewood, is it worth the cheaper rent/more space?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

Fine day for crypto!

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

How much is 2k a month for a house payment? What size loan would I be able to get?

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

Just got laid off last week so if anyone knows of any senior designer roles let me know! Going to take some time to revamp my portfolio and resume but I would appreciate any leads.

Sr Digital Analyst with MBA and 4 Years experience ?

Anyone in consulting and doing OE? Using bench time for J2+ seems like a good opportunity in this environment, considering it wouldn’t look out of place to remain on the bench for quite a while

Is the CPA designation worth it? For me it would take me 1 year of PREP courses and 2 years of PEP until i can write the CFE. And I am 27 years old right now. Also wondering if it would be crazy to pursue the CPA while learning how to code to be a developer as well?

Is anyone from this bowl working at 6sense?

If yes, please share some info regarding work culture, Work life balance, job security and employee benefits.

Thanks in advance, fishes.

When an agency is about to hire you as a creative lead but without seeing your book to find out what you had done in your career, is that a red flag to you as a creative?

Anyone experienced lack of motivation in your last two weeks? I want to leave Deloitte in good terms but can’t focus.

Apart from offer do we have any other additional benefits in ibm like leave encashment, travel or internet allowance, food card allowance etc.
I also see sign on bonus of 1lk, could you please let me know when and how it will be paid considering working for 1year plus ?
What is the % we can expect for yearly performance bonus which is not part of package and how is it calculated and when it will normally be credited ?

How to resign from pwc…. Where is the option? I cant find it on workday

What is the back of an envelope kind of estimation of a drug’s market share considering there’s one in market already?

Are there any life sciences firms that ACTUALLY have good WLB? And are hiring? Asking… for a “friend” 🥴

How much enjoyment do you get from your job? Do you get fulfillment from it?

Hi can I have some likes for dms 👍

Any news on midterm promotions in January just like last year ?

Anybody need referral for BCG, please DM your email id with the job link.
@bcg

H i Guys need your suggestion,
I am earning 32LPA in India , planning to take PR for Canada through consultancy or selfia it worth moving to Canada ? What are the pros and cons ?

YOE -8.5
Tech -- Cybersecurity Tata Consultancy Accenture Infosys Cognizant Amazon Deloitte EY

Do you play phone games during busy season?

Any good wedding ring sources aside from Blue Nile?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

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.

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?

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??

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

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?

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?

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?

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

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

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

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

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.

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?

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

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...

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.