Will have a kid soon. Are 529s a good investment or better put that money in something else like ETFs? Has anybody done something else other than 529s. Would love to get some perspective. State offers tax savings

Is that possible to select different regime while filing ITR?

Example: For FY Apr 2021- Mar 22, I selected new regime in the company portal and hence more tax deducted. I have submitted the rent receipts to the company for tax exemption. Hence during filing ITR, can I select old regime and get tax return?

Finally paid the money to an estate lawyer to complete my living trust and will. Best money I have ever spent! Absolutely stupid to not have done this sooner. Sigh that’s my confession, massive weight off my shoulders. Thanks to my little fishies here pushing me to just do it! ❤️

I’m expecting to go on maternity leave this summer, but I hate working at my current company. The work is uninspiring, the people are mediocre and I feel myself torn between quitting and finding a new job, but possibly losing paid leave, OR, sticking it out and taking mat leave then quitting. Any advice or insights?

Anyone own a car?

Do you still invest in your 401k and IRA or are you all in on cryptos?

Hello all! I hope you can help me out here.

So I have been struggling to get a job/even interviews after my long maternity leave.


I would love some feedback on what can I do to improve my chances on get an interview and of course a job.

I have 9+years of experience in HR-generalist. I moved from Mexico to Sweden so I’m mostly trying to get a remoto job since I do not live in a big city. Any tips on where I can look for my dream job?

I have a baby of 15 months. She is very introvert and start crying if any of friends comes to visit. Can any one suggest things what I can do to make my baby extroverted?

Anyone else losing everything in tech stocks?

Who uses Class Dojo or Remind? I would like to set up my computer classes on one of these for parent communication. Which one would be the best?

How will you be spending your increased TFSA contribution limit ($6000) ?

4th year here. Just got the bonus. Now I finally have enough to pay off my student loan (~$110k) with what I have in my non-retirement account. It is a relief but I still feel like I'm behind. Started with $230K student loans and now NW is around $150K.

Hi Fishes,

I spent 11 years in TCS and got an onsite after long time but due to fathers health i have to return back and i have decided to continue from India only. Now being in same organization for so long my Indian salary is very less and so decided to switch. Currently holding an offer and LWD is 2nd Dec. Just want to know your opinion.Shall i switch for career growh along with taking care of my father? Will i get corporate insurance similar to TCS ?

PA local income tax question: wife and I moved so she has two separate W2s bc of local tax. On one of them, medicare wages is blank. Local tax agency refuses to refund $800 bc of this. They are unable to point to regulations that say this. All taxes have obviously been paid correctly. Any tips on what to do? Wife’s employer will likely not reissue W2s bc they are a very large company.

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

Financially entering the most expensive season of my life 🤦🏾‍♂️. Making the most bread in the family is all fun and games till you get those christmas lists! Not to mention flights to see family. Do y'all feel like being successful in finance changes the expectations family members have for you, especially during the holiday season?

ETH price predictions for Dec 2021? 2025? 2030?

I have a 25K loan from my MBA. I paid off 100k whole, after graduation. 3 years ago, I moved my loan from federal to private ( SOFI) account. I recently lost my job. I have applied for unemployment, as the severance that I received will only cover for 2 months. Together my husband and I used to make less than 250k after tax. Now, with a loss of pay , we are going to make less. Do you think I will be eligible for Loan forgiveness?

Considering buying a townhouse in an ideal location but just found out there is an on-going lawsuit with the builders by the HOA (HOA vs builder) for construction defects (cracks in ceilings have appeared in some homes). Is it worth the risk? I don't know how these things play out and even if the HOA wins, what the fix to it will be..any experiences/thoughts?

I could lowball and maybe get a better deal, but not sure if it's worth it.

What is a great resume review and editing software to write a resume?

Has anyone found the AWS Cloud Practitioner Certification to be helpful for people in non-technical roles? Any experience in how potential employers view this cert would be greatly appreciated!

Persistent conducts interviews just for timepass. After clearing all rounds they don't offer. Aspiring candidate dont attend interviews.

I have approved I-140 and my spouse has H4 EAD. Will this H4 EAD be valid if I switch jobs?
Currently have an offer but afraid to switch if it is going to impact H4 EAD.

After i140 is approved, how long is the cool off period for deloitte before one can switch their job?

Hey all - first year associate here… I’ve met my hours requirement for this year (requirement is 1900 and am currently at around 2050 with billable hours - approx. 2160 with non billable admin hours) and I am just tired. Is it okay to just “disappear” during the holidays (thanksgiving week, week of Christmas) and let partners and senior associates know I am not available? At this point I don’t care about making more money - I just want to sleep, read a good trashy book, and cuddle with my dog.

What’s the PTO policy like at Cerberus?

Good spots to socially distance picnic in Newport Beach area?

Hi Fishes! Need your views on how do i negotiate with my builder on price reduction or another compensation. I am seeing similar plan home is being sold in same community who just bought year ago with same price as my new home final price. But that house has additional upgrades worth $30k more than i have. Any suggestions or views are appreciated!

Is 52k low for a Commercial Underwriter?

V10 Firm looking for mid to senior level labor and employment attorney for a transactional practice. If interested feel free to message me.

Currently in Atlanta, GA. Looking for management role in wealth management, corporate and institutional solutions, business strategy and consulting. I have an MBA from non-target school, about 5 years in management from financial services, business strategy and development and I’m looking for a great company with salary range around $150k or above. A referral would be highly appreciated!!

Design researchers needed for our Boston office - we’re an innovation consultancy, offer great WLB, genuinely nice colleagues and hybrid work. Various experience levels including entry level available. DM me for a referral application link 💪

TIA simulator? What’s your experience using this simulator? It has a lot of review and success stories on Reddit.

Looking for medical billing and coding internship or externship! Any suggestions

I've only been in biglaw for a year, but have been practicing for seven years so far. I used to be a state regulator for this practice area and generally enjoy working at a private firm. A partner at a boutique firm that I'm friends with has called me every few months to check-in and see how I'm doing. During our last call he essentially offered a job after I get another year of experience in private practice. Five year track to partnership. No billable hours.

Getting a fat bonus > 50k. 401k will be maxed, already dump 3-5k in each kids 529 and have more than six months of emergency fund. Already own a house at 2.85 etc. not flexing or anything just want to know what folks would do with a sizable bonus. Need ideas please. Otherwise dumping in VTI lol

Anyone follow Millennial Revolution?

Question about credit scores and MBA loans. (FYI I know this is not mathematically the best option but want to do it to remove mental burden of student loans). Planning on paying off the balance of my MBA loans, ~100K, at the end of the summer once I can save a little more. I have offers to refinance which would give me a free $1,000 and slightly lower interest rate. Would refinancing now and then paying off the “newer debt” in 3 months negatively impact my credit score?

If you plan to coast fire, what jobs do you plan on doing?

Made a profit of $100k. Got the cash a few days ago and haven't spent a dime on celebrating. I have become serious about the FIRE.

After learning how credit utilization impacts one's credit score, I just raised the limit on 2 of my credit cards. I opened 2 cards last week in order to take advantage of cash back bonus deals.(cont)

When switching to a new company, what's my leverage to asked to be paid via my (S-CORP) incorporated company, by 1099?

Looking to buy a new home in the suburbs but need help figuring out what my price range should be. HHI is $500k, savings are about $300k and I have the following debt: (1) investment property 1 mortgage $380k, (2) investment property 2 mortgage $460k and (3) brokerage account margin balance $600k. Thoughts?

Can someone explain the Roth conversion ladder to me like I am idiot? Which is what I am 😎.

HHI over $350k and can’t do backdoor Roth because I have tIRAs…

Has anyone invested in TIPS (Treasury Inflation-Protection Securities) before? I’m considering opening an account for my children and have read something about interests from TIPS can be exempted from federal income tax if used for higher education. What’s the pros and cons of investing in 529 vs TIPS? TYIA!

What should I invest my Roth 401k in? I’m a recent college grad and currently have 100% in a target date (2060) fund. Should I be dividing my contributions among anything besides the target date fund?

Hello, looking for some guidance. I make 70k a year, I pay $1300 in rent, and I contribute 7% to my 401k
Most months, I am able to add $1k to my emergency fund, $400 in a travel fund, and $200 has leisure money. Is this okay? I find myself very nervous about my expenses even though it may not be terrible. What should I do?
If it helps, I grew up taking care of myself (state ward) and recently paid off 60k in student loans. I have no one to count on so I need to make sure I don’t fail with this.

Unpopular opinion: the FIRE community is contributing to an unhealthy workaholic culture as we forestall healthy work-life balance in favor of reaching our “FIRE” numbers a few years earlier. As a result, work culture is becoming all the more intolerable as the bold few would-be advocates for work-life balance are sucked headfirst into the rat race, and no one is left to fix things from the inside.

Society overall would be better served by a more community-minded approach to work-life balance.

Was there a post about how to start FIRE? I thought there was and can't find it. Also, at what age is too late for FIRE to be applicable?

I (US-based) am trying to buy an apartment in a different country in which I do not have a Credit history / score. Any ideas / recs on what loans to take? I don't think a mortgage will be possible there due to my lack of history. I am considering doing a home equity loan on my current home in US. Is this the best option?

Should i be paying down my mortgage fast, or aggressively investing instead? My salary is 200k, my mortgage is 1700 but I pay 3000. I’m in big law (second year) and not sure how long I can last in this job, so that is why i was trying to pay my home off as much as possible (it cost 350k, i have 315k remaining on the balance)

What's your recommendation on best & easiest to use online broker? I plan to do a backdoor roth for the first time this year and open a taxable investment account for index ETFs (already max 401k and HSA)