With the downturn, is now the time to do a Roth conversion and let my funds recover tax free? I just wish I would have to pay tax on funds converted (am in 25% bracket and have state income tax too). Any strategies to lessen the blow? And for my situation what split of 401-k vs Roth 401-k contribution is appropriate?

Is Carvana legit? I've never seen any reviews just a hundred commercials. I could google this but wanted to know if anyone in here sold through them successfully. Thinking of selling my Benz E350, 2013. Let me know.

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

Anyone trade options on JPM You Invest? They have a bonus running right now and wondering if it was worth it for general investing and options trading.

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

My fiancé and I invested in a small startup about five years ago and are about to get a $300,000 pay out (after taxes). What would you do with an extra $300k? (We have no debt, have sufficient savings and own a home already so the basics are covered.)

How much are your biweekly paychecks after taxes, insurance, 401k contributions, etc. and how much of each paycheck do you tuck into savings?

Anyone looking for a house to rent in Homewood IL ?

Anyone successfully use the $200 Amex hotel credit? The FHR and hotel collection redemptions are all pretty insane price wise. I’ve heard there are some good deals to be had in Vegas but looking for other options.

My DashPass via my CSP is expiring at end of the month. Does anyone know if I can get another year of it by adding another eligible Chase card on the same account??

Hi there. Has anyone here invested in a manual car wash? If so, how profitable is it realistically and also what to look for when buying one? Thanks in advance:)

So who all here made a fortune on these meme stocks like BB GME TSLA PLTR BBBY etc? Is YOLO-ing the most shorted stocks a good consistent strategy?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Can someone please explain the process of selling a home when you have an Islamic loan? Since it’s profit sharing i don’t fully own the home right? So if i sell it i can’t take full profits since i don’t own it outright. I’m considering Islamic financing but have so many questions about it. Can you take an equity line? Can you write off mortgage interest?

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

How serious are the independence/investment declarations while joining Big4’s in the U.K.
My parents have a couple of minor investments in the stock market. Do I have to include my parents investments even if they are citizens of another country and invest only within that country?

Any thoughts on Strategy& and their life sciences team? How is the reputation in comparison to Life sciences focused places such as LEK, ClearView, ZS, IQVIA, etc? How is the WLB? And what is the compensation for a senior associate?

I want to dispose my office chair and i live in Newton. Anyone knows if i can leave it curbside or where i can check for the details?

Why are the lesbian bars so few in the US? I am loving the only lesbian bar in Houston, but I need variety. Can you actually meet girls well at a traditional gay bar? F/25/Houston here

Hi everyone! I’m trying to get into the tech field. I have some customer service experience with a tech company. I also have a certificate for IT support. Any leads or suggestions to get a job would be appreciated.

Had interview rounds with client, director, partner however no round with HR but today got a mail for documents. Can i expect HR round now?

Hi everybody.
Right now I’m working as a junior product engineer in Amsterdam. From januari on I’ll be a medior product engineer. And now I’m in the middle of negotiating about my salary increase. The salary that I’m being offered feels low (41.5k).
Is there an other product engineer that could tell me if my gut feeling is right or not? Thanks in advance!

Non-eng... Got past the hiring committee! 🥳 does anyone know the process from now? And how long it typically takes? Thanks !

Got offered 68k after 2 years as a contractor (62.5k) doing project management/business admin in a tech department at a Fortune 500 bank. I have an A.S degree and working on my bachelor’s/masters may 2024. I negotiated to 84k NYC. I have seen interns get offered 38 per hour (79k) for internship positions with a similar role.

Thoughts? Should I go higher? I do my job well that’s why they decided to keep me as a contractor after my internship.

Can anyone tell me that if i give resignation to a company while I'm in a bench period, do i need to serve the notice period? I just have completed my training and on a bench since one month.

Hi folks,

I have been offered a position on Senior Consultant/ Deputy Manager at Deloitte India for 4.5 years of exp.

Is this position/role normal for years of experience I hold?

Whether amount added on meal voucher through company can be transferred to bank account?

In 2023 I'm wanting to help make my management more effective. So, I'm looking for a book or a couple of books to gift my team this holiday season. I would like books that focus on communication and taking ownership. Any recommendations?

What’s the move tonight?!?!

Have you ever been or currently in a relationship with someone of who’s political beliefs conflict with your own?

Not dealing with this currently have dealt with it in the past. My parents started out opposites but now believe similarly. I’m wondering if it is possible in this day and age.

Is it worth it to save up to fly business or first class internationally [even just US to EU] - or save the money for other things?

Ideal Salary for 5.3 years of Experience person?
Tech Stack : RPA

I’m a 3rd grade SDC teacher on an emergency credential — had never stepped foot in a classroom before last Tuesday. Can anyone offer advice/resources for lesson plan development? Help!

Is Deloitte allowed to use Robinhood? It's not a robo adviser and obviously you wouldn't invest in your clients. Or wealthfront?

International stocks are doing terribly. How do you stick to your plan and continue to buy you allocation of international stocks when it's tempting to go off plan and buy a bit more US?

So after you max your investment accounts (401K, IRÁ, emergency savings. etc) what do you do next?

A little context: 24M, started in the pandemic, moved back home and paid off my student loans.

Do I move out? Can I start spending on myself? Am I missing anything from a saving perspective?

Apologies in advance if this comes off entitled/arrogant, really just looking for some advice and wanted to give as clear a picture as possible.

I once heard that the average age of those that achieved a net worth of a $1M was around 49 yo. Is this intended to include assets like real estate equity or is this meant to be liquid assets / retirement accounts only?
Understanding, $1M is no longer the goal but for those of you that have achieved this already - What was the age you achieved it and are you including your home equity?

DeFi bug accidentally gives $90 million to users, founder begs them to return it - CNBC

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

Gl as a aor

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Anyone using roofstock? Model seems really interesting. Would love to talk to someone using it.

New to trading and investing in equity. Have $200k in equity and $20k in MUNI bonds. How do you plan to diversify?

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

Would you buy a brand new car in cash?

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Has anyone taken up the Personal Capital investment management service that they offer?

They say they will manage my 401k but to do that they will require my credentials that I use to log into fidelity. Is that normal? Has anyone here done that before? Any feedback or experiences of using them?

I just saw that my paystub is at a 0 - and shows RSU deduction offset. What’s that for and does it mean I won’t get paid?

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

Planning on buying my 1st home. I'm looking at homes using a RedFin realtor. They recommended I get an Underwritten Preapproval. I don't trust the lenders they recommend. Any suggestions for lenders?

24y/o, salary of 65k, contributing 7% to both Roth and Traditional 401k (about 350 each month) any recommendations on whether should keep contribution or alter it? Thanks