Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Pre-tax 401(k) or after-tax...thoughts?

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Mutual funds you have your eye on right now?

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

For those that are currently investing.. Did you have an emergency savings first then started investing or did you just take $$$ and start buying?

Personal finance book recommendations?

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Is it possible to buy a new luxury German sedan car with 30k budget?

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

Has anybody invested in Yamuna gaur city or planning to do so?

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

What are some books that have absolutely helped you either working in the investment management space or even just personal investing?

Hi i lost majority of my money in the stock market. I married and promised my family that I will not make the mistake I made 7 years ago. Gambling. Is this an addiction I have. I keep selling stocks and taking loses buying other stock hoping it will recover but never did and sell again taking loses and buy again. It now sink in to me. I borrow personal loan hoping that the market will do k and I pay it back but I even lost that. I can't stop crying that I hurt the one I love the most my family.

Anyone been able to work from Dubai for a UK/US firm and benefit from no taxes? I know if you are a US citizen you pay taxes where you are globally, but if you are British, then you only pay income tax on UK income - so if you live more than half the year abroad you are classed as non-domicile resident, but wanted to hear if anyone’s done this or heard about it?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

If I were to invest $1000 today, would ADA be a good place to spend the money? Heard great things about it, but interested in knowing if this is the right time or if I’m late.

I exited to FAANG from big4 and part of me is seriously thinking about getting an mba to go to mbb. Does that make any sense?

Hi 🐟 s,

is there a way for tech consultants to become partner ? i am sure there would be but what would be the fastest ? is the bowl reckon quick shifts or sticking to the way on top .
love to know if there are any experiences .

Do we have anyone from Edwards Lifescience? Would love to talk.

How does a role in clinical affairs differ from clinical research? Any clinical affairs manager out there to shed some light? Wondering if clinical affairs will have more sciencey roles.

My belly keeps getting flabbier during menopause. Mainly uncomfortable bloating. Has anyone found any foods or supplements that have helped??

Does wipro provides car parking to employees in Gurgaon cyber city office??

Didn’t invest in LTC early on, it went down to 260 today - worth pulling the plug on it?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Best Marriott to Stay in Charleston for 3 nights? Platinum elite. Also looking for any and all recommendations for 4 days in Charleston. Birthday celebration for SO.

Have a week or so off and thought why not to go to Hawaii? I've never been and keep hearing how beautiful it is. Would it be a good trip for a solo female traveler and what island/ activities would you recommend?

GHIP or PPO for a relatively young and healthy person but have monthly charges for several medications, have to see doc every 3 months for basic checkups, and have bloodwork/labs done once or twice a year? All in network and single no kids.

Is the GSU price while vesting based on the market rate at the time of vesting or is it fixed based on the stock price during hire date/month?

🐠 with <10 total YOE and $200k+ base. Can you highlight your role and path? Trying to identify more stable non-banking and tech roles. Thanks!

Assuming that I'm okay with a salary of 70K and more, and that I really don't want to work at a law firm. Is it going to be difficult for me to return to law with two years of experience and one year working in a legal adjacent role.

What are the next step after H1B petition approval? Do we have to book visa appointment or company does that on our behalf?

Hello fishes,

I have a offer from centric consulting , sapient and genpact . How’s the Wlb at Genpact?
CTC is around same for all . Centric is paying a bit more to 25.

For Genpact have to go to office regular where’s centric is WFH.

Where should I join .?

Tech stack : dotnet with angular.

Why did you decide to leave your first firm job? If you had a chance to jump ship but stayed, why did you stay?

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Any recommendations for buying agents in Massachusetts?

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Thinking about using my VA loan in a few years. Any advice?

I'd like to buy, but the market is absolutely atrocious currently

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

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

What is the most difficult part of buying a home for the first time?

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

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!