When and where is everyone retiring?

How’s everyone planning to use their YE bonus + tax return (if applicable) this year? Personally, I’m already maxing out my 401k, Roth, and have crypto exposure (mostly ETH that’s staking). Any other suggestions?

🐟 - I rolled over $100K from old employer 401K to Fidelity Rollover IRA. What implications does it have on my ability to do backdoor IRA? We do not qualify for Roth due to income limits. TIA.

I’m 30 and my spouse and I want to save a million dollars in 15 years by age 45. I figured 1,000,000/15=66,666/yr need to save. To get to 66,666/yr, need to contribute:
-401k at 19500k x 2
-Roth IRA at 6000 x 2
-remaining $7833 x 2 in a brokerage account

Does this look good? Am I missing something? With discipline 2 people can save 1 million in 15 years?

Has anyone negotiated a 401k match to begin immediately? I have a great offer but a 1 year wait. I’m super focused on building retirement and really don’t want to wait for a match.

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

What does 401k mean?

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?

Are there any virtual teaching positions in Michigan that pay into the MI retirement system (ORS) for educators? I have 4.5 years until I can retire and due to my health may not be able to be in person. All of the jobs I have seen only offer 401Ks. Thanks for your help.

I have an issue: just been informed by compliance I have a violation. Using a brokerage restricted and at this point I am at a loss. I sold off all my stock just to comply. Then put the only stock I kept with the broker, the other one is my wife’s employer 401k savings broker. The instructions say they will reach me within 90 days for next steps. It also says there may be financial penalties.

What should I do? I replied the email immediately asking for help. I am a new to Deloitte and the US

My dreams of retiring in 3 years have disappeared with the stock market decline.... Unfortunately, my retirement income sitting heavily in 401K.😕 Anyone else feeling the same?

Hello Fishess,

What is benefits of National Pension schemes?
How beneficiary it is?

FIS providing NPS benefits..

What are you doing for a retirement plan as an independent consultant? Solo 401K, SEP IRA, etc.? Any recommendations on where to open an account?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

Should I stop contributing to my 401K and put all my energy into paying off my student loan? Right now it's unconsolidated so there are rates between 3-6% and it's 20k.

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Is there any advantage or disadvantage to maxing out 401k in a single contribution instead of a taking some out of every paycheck

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.

What is the CTC offered for grade C4.3E in Software AG in Bangalore?

Let’s take a moment to thank fishbowl for all its benefits.. 😊Comment your personal experiences where you got a great help!😇

Anyone dressing up for Halloween tomorrow? If so, what are you going as?

I am still amazed by the MeToo movement. So much change and progress were made all because victims spoke up. I am happy that our country stood by what’s right.

Anyone from Capability Network - T&O?

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?

Hi guys, 2 days back HR mailed me to inform final verdict was positive and asking few details like PAN. But till now offer letter hasn't been released. Should I give a call today or wait for few more days?

Is it ok to quit without a job lined up? Is that a red flag for future potential employers?

Hi all,
Recently gone through ICICI bank debt manager DSMG interview, HR told will provide non industry matching hike because my last switch was just 6 months ago. What should be the expected CTC? Currently working as collection manager at HDB financial services Ltd, CTC-5.1, Work exp-4.9Y.

Here comes the sun!

Dear legal recruiters who used to work as attorneys: are you glad you made the switch? I think recruiting could be fun but I know how much I ignore recruiter emails daily so it makes me think it’s touch to place people and make a consistent income. Thoughts?

In probation period which will end in December, manager level, onboarded as PM role, got applause from a partner and director for bd works, obtained 3 badges and did 4 projects internally. Will that be enough to pass the probation?

Anybody work for Parallon HCA? I’m wondering what they pay you as a virtual registrar if you’re a non Hispanic versus if you are a Hispanic person. Starting they have offers for pay of $21. I’ve noticed with some healthcare companies they do not want to pay for a bilingual differential which is poor professional behavior in my opinion.