Where do you guys invest/save Your emergency savings fund? How many months do you save? I feel I'm more conservative and save more because I work in consulting.

Need some budget help. Just starting out. About 70k gross, 2.1k/ month in fixed expenses ( not counting food etc), 12k of debt. 26 yo w/ no real savings

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

HNY all! I have multiple rollover and traditional IRAs, as well as a solo 401k. But (since I started paying attention to this kind of thing) have always been over the income limit to start a Roth IRA. I’ve also not done much contributing in the last few years due to purchasing an apartment and saving for renovations. Cue pandemic joblessness... if married filing separately, would you say it’s a good idea to start a Roth while under the income limit, even in this climate? Any reason not to?

How did you get over your analysis paralysis and not letting potential downsides discourage you from investing?

Joining Google in few weeks and my side gig these days is researching 529 plans for my almost 1 year old. Does anyone know if Google offer & contribute to any 529 plans? If so which one? I see it listed in benefits section of onboarding site but looking for the plan name at the least.

Those who have coins into Voyager, if you received email and if all of your coins match as per email summary, we do not need to file a claim or do anything, right?

This slow and steady stop is a little scary.

Long time advocate getting a little nervous. Believe in technology, but have no idea what my true investment worth will be by year end.

I need to sell stocks to realize gains this year since I have a ton of loss accumulated from the past. What's the approach? Sell in Dec and buy back right away or doesn't matter as long as I realize the gain for tax return purpose?

Does anyone have any experience with B2B buy now pay later? While I understand number of SMEs and volume of online transactions are important drivers, keen to hear different perspectives incase I’ve missed anything vital.

Let’s talk finances. How are you all paying for this? Loans, I assume, but any strategies?
In early 2021, better to try to max out retirement accounts to maximize financial aid or to just start saving?
200k is so much.

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

Going to inherit about $150K soon. Should I use it to pay off my mortgage or invest it?

Wanting to retire in the next few years.

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

What in the world is with ADA being able to dodge this dip that’s hitting all others including ETH?

Does anyone have any experience negotiating on REO/bank-owned properties? Are they flexible or tough to negotiate? Any pointers? They seem to list units far too high in Chicago.

Just moved here - is $268 (~$24/month) for annual renter's insurance reasonable?

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Good drop on Fastly today. Was able to grab few for swing trade

What’s the dummy’s guide to legally investing in weed stocks and businesses? Any good resources?

Apparently some unknown Chicago agency, Merge is joining forces with another unknown Chicago agency, Sandbox.

Feeling a deep void in close human connection after letting go a relationship that was lacking a future (I was interested in something more, he was unsure). Can’t stop thinking of reaching out and need strength to just stay with the loneliness and have hope for the better times. Would appreciate support. It’s been 2 weeks but I feel bouts of extreme sadness and desire to have someone to share my life and days with.

Hi fishes,

What is the common hike percentage and promotion cycle in Commonwealth Bank of australia?

What’s it like to work in strategy & planning at Apple

“I tested very positively this morning, I tested positively toward negative, right? So no, I tested perfectly this morning. Meaning, meaning I tested negative, positive towards the negative."

If you have trouble with female foleys- go shadow a midwife.

For GCM 4, would there be permanent wfh or a hybrid model? If hybrid how many days in a month?
Could anyone please help me regarding the same.

Do you see SAP as a stable career in the next 30-40 years?

Anyone is here who has recently switched technology to Salesforce?

Please help. I’ve moved up the ranks pretty quickly at the company I work for to become a Principal SE. My manager thinks the best next step for me is to move into management and leadership and has started pushing me to apply for an engineering manager role. They say that I will be a good fit because of my strong technical background paired with the leadership and people skills I display currently.

I’m torn because I do love being an IC but I’m interested in leadership also. What do I do?

Does anyone else get feel they have a good job but then are constantly looking at other opportunities and wondering what you could get better? I feel like it's eating me alive lol

Need some advice: I currently do corp dev and FP&A for a smaller company and just got an offer for about double my salary at a F200 company. The catch is I would no longer be doing corp dev, just FP&A. My goal is eventually to crack into ib, do you think I should take the job and the pay bump or stay at my current role and try to lateral in to ib.

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

What are some smaller HC/LS firms that hire people without higher degrees with quality experience at large consulting firms (2-3 years)?

How are ppl earning 40-45 lakhs as qa...? I mean what technical skills one should have

Hi fishes,
Can you help me understand the different designations in EY GDS. I am looking for 5 years to 15 years experience band. If possible please provide the expected salary package also. I am asking for cloud data engineer role.

#offtopic yet important👍
Guys we are seeing bigger issues like
Global warming, pollution, deforestation, water scarcity, abnormal weather etc etc.
Still i feel I am being negligent and not contributing anything to my country/world
I really want to volunteer/ contribute in this regard
Can you suggest me any organisation where i can be part of it?
Infact I request all of you to think in this direction we have so much energy and can do a lot instead of just Netflix and chill
Thoughts?

I do prosecution and am looking to lateral. Does anyone have recommendations on firms to consider, or ones to avoid? I’m flexible on location.

Thoughts on brk.b for long term? Thinking of getting in at this point.

how are you prepping for the recession? gold, Bitcoin, booze, water? I'm approaching it with a "all the above" attitude

7 figures is the new six figures

Wife is setting up her 401k through Deloitte (via vanguard). What are the most aggressive allocation options?

Before rolling over my 401k (approximately half is Roth and half is traditional) to a new employer, is there anything I should be thinking about?

Have to use a financial advisor due to inheritance doc requirements. Where can I find the best low cost advising? Even if it’s automated or the low monthly fee with an annual review - I think those fulfill the requirements I need to meet. Thanks!

When it comes to stocks , I am investing in index funds with 8-10 years strategy . The typical index funds make 8-10% annually . However , when I live at MSFT , Apple they have increased 350% in last 5 years . What stocks should I invest with at least 5 years in mind ? Something safe but with returns better than index funds. What would your best 5 for next 5 years ? I will make my M1 pie based on the serious inputs here !

Looking to sale majority of my holdings in next bear market rally. Does folks who do tech analysis think we have started one from Friday. Want to sale as much before we get another brutal sale-off before mid terms.

What is the best way to get euros out without fees and at the actual exchange rate? Is it best to use an ATM at the destination or is there a better alternative?

So student loans aren’t being forgiven this year…right? I think it’s time I open the flood gates and dump all I’ve been saving towards my loans. Or should I leave 10k in hopes of forgiveness later on?

Do any of you have a financial coach/advisor on retainer? If so, what is the pricing structure that you have set up? I found someone who I like working with but trying to determine what our payment model might look like. I paid $500 for her to assess my current state and create a forecast for my future goals. From this point on I imagine it will be more maintenance. Sending an email or text every now and again with questions as I am working through the plan she laid out. TIA!

Live in SoCal with a combined household income of 210k. What is a reasonable amount to spend on a house?

Invested $1k in Robinhood. I’m 75% down lol. Hold or sell?

My dream is to be a full time property investor (buy, renovate, build, sell, rent etc). I’m saving to buy my first property to fix up. Anyone have any tips to get started?

Want to open an HSA account and max out this year. What HSA bank is best? Should I try and max out all at once or contribute monthly? TIA!

What are the best tax optimized investments from post-tax (take home) salary? i.e how can you defer and/or reduce/minimize tax on investments, and what are these investments.

So I’m kind of new to investments. Sadly starting late but have some government pension - for this year I maxed my 401k, have my RSUs and I have saved some money that I want to buy stocks with. I’m ok to hold for a bit, what should I invest in? Also I use fidelity.