When budgeting for a home, what is it typically based on gross or net? And what should prevent range be (from comfortable to overextended)?

How many of you max out all tax-advantaged space, i.e. 401K, Roth, and HSA, and is it doable to live on what's left?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

When did you buy a home?

I’ll be working near a big market at 85% BigLaw salary. I have student loans to pay off, but considering getting into the market early with a low money down option.

Should I borrow $70k more with my 30 yr mortgage even though I have no immediate need? Tempting with at 2.5% interest rate.

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Maxed out Roth IRA contributions when I wasn't eligible for 2021 (got a salary bump mid year). Do I need to recharacterize? It's a very small account that's been open for only two years. That's the only IRA account I own. Do I need to open a traditional IRA and roll over 6k + realized gains into that account and keep the Roth IRA. So confused how this works and got conflicting information from Merrill.

9 years at the firm, 3 as a manager and I just broke $100k in the Northeast region. Maybe it's time to explore my options.

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

Realtors: are there any listings you've ever regretted selling? Why/why not?

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?

Just bought a home and have some large capex coming up. Redo kitchen/finish basements and other stuff. Does it make sense to pay out of pocket for it if I can afford it or borrow and add on to my mortgage?

Best everyday bank account and credit card in Australia for an expat couple?

I‘m moving to Australia with my partner and we don’t have a bank account and credit cards yet. We basically need the bank account only for everyday finance stuff (local payments, debit card, etc) and we‘re looking for some credit cards with good international fees and ideally a reward program to collect some points for traveling.

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

What will interest rates be come December?

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?

When do we submit proofs for rent, investments, etc?

Best provider for good rates on used car loan?

Currently 31 with 6.5 YOE and single . Should have NW of 250k by end of this year. (No significant assets in India). Considering this money all reminds invested I should have a decent nest egg for retirement. Have an LIC policy that will be worth arnd 50 lakhs when I surrender it (plan down payment for an apartment). Struggling to convince parents this should be enough for me to move back. They think I should move back when I have more financial security. What more should I plan for ?

Hey all, moving to the city in Feb. Pros and cons about living in west village?

Currently I had interview with Capgemini . All rounds were good . I think I have answered all the questions correctly . It seems hiring manager is also interested. Now it has been 4 days , I didn't get any response .
Generally How much time they take . Or should I consider that my application is rejected because of CTC issue.
My Current CTC : 24 LPA
Expacted : 35 LPA [Negotiable]

How much package should a data engineer get for 3 year exp?

I have an accounting degree and am looking for something where I spend most of my time using excel. Surprisingly, audit —at least at my company— doesn’t really do that. Any suggestions would be helpful.

I’m not sure if this is the right place to post, it’s my first time so please excuse me!

How bad is it to sound shaky during the case interview? I got everything right and nailed the math but I feel like I sounded like I was about to cry even though I was confident 🤦🏻‍♀️

Moving from T2 to McKinsey. How do vacation requests work? I have family and friends getting married this fall in weddings delayed because of covid, but I’ll just have started so wanted to get a sense of how realistic taking vacation this fall would be and how to approach taking it (e.g. mention to HR, staffing). TIA!

Was told I’d only have one round (4 interviews), each split 50/50 on case/behavioral. This is for an Associate position and will be interviewing with AP/P/SP level. Is this typical? Since I see most people have multiple rounds.

Anyone have good resources (online or book) to learn about the finance function?

This is pretty niche, but I have an emergency management background and am interested in transitioning to UX. However, I would love to find a way to combine my experience in disasters with UX research. Does anyone know of any tech companies that have an emergency management focus that would need a researcher for their products?

What happens if a startup is acquired before every employee’s Cliff period ends?

I understand the possibility of that happening is crazy, but do we just not get any equity?

*brand new startup where all employees were hired less than 1 year ago

What would be ideal salary for i grade with 11 years of experience at BNYM corporate IT BU?

Hi all,

Need some suggestions as to how can I learn .net core and azure quickly .

Please suggest something!

Hello why do dogs hate getting their nails cut? Am I hurting my dog?

Hi Fishes - Anyone who has completed Wings2 program in TCS?
Need some guidance..pls IM/comments.

Not for Just FAANG but also for my personal identification a software engineer. What is expected from an 8 yr experienced professional in IT? I think i am falling short of industry standards while just working on office tasks.

Before taking resignation they were saying will get letter in 2 days max, now Delay in offer letter even after more than month from the day I took my resignation back.

Any suggestions will be much appreciated.

How many days E&Y takes in general to release offer? My last discussion with the HR was on 06th Oct, no further communication or discussion initiated for negotiation.

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

What percentage of homes get sold without getting listed on the mls (off market deals)? Is it usually worth it for the buyer or seller?

Where do you get your Airbnb data for rentals? Deciding between STR and LTR on my property right now

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Correct me if I'm wrong but isn't it more advantageous to have low housing prices and higher interest rate? If that's the case, you can always refinance when/if the interest rate lowers again. Is there something I'm not seeing?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Is it worth it to buy a “starter home”? Or should I rent and continue saving for a house in an area that I would want to settle down in?

I’ve got a partnership w/ two of my uncles. We have two houses on rent. we use the profit from the homes as a single pot where we pay for the maintenance expenses (different cash flow from each). We are close family and they trust my judgement. Another of my uncles wants to join for the next home we buy. How do we split/ allow their buy in to our partnership for the next home? I don’t wanna add extra accounting of maintaining expense/cash flow from the next one we buy as a larger group Thoughts?

If I'm adding multiple people to purchase a property but not on the mortgage, when do they get added - do they need to already be on the purchase agreement? I heard it's easier to do upfront vs. adding them later. I've asked this question in a thread but didn't get a clear response. If someone could please help clarify - how do I add other people on the onset on buying a property? This is a new build, buying directly from the builder.

Hi - any good books recommendations for getting started on real estate investing?

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?