Would you max out retirement contributions in this scenario?

- $43k max for me (self-employed 401k)
- $41k max for spouse (401k and 403b)
- HHI ~500k to 600k
- $216k cash outflows last 12 months (excluding income taxes and investments)

What’s my best bet for a new credit card in 2023 to help with delta status? I have CsR right now but willing to give up and become a member on my husbands CsR. I researched the Amex delta platinum card and idk it didn’t seem that lucrative to help with status :(
Pre Covid, I always had platinum or Diamond and kept it through 2022 but I’m now going to be silver in 2023 sadly.

One of the few days I wish Canada had as many people as China... Canada crypto news <= China crypto news (even when it is clearly rhetoric)

Stocks are crashing. Do you think ROLEX / Patek prices will drop soon too?

Why do people not just use the option wheel strategy on S&P 500? Is there something wrong with this if the returns are >15% in a year as opposed to buy and hold which averages 9% every year.
Is there something I’m missing?

For an Associate consultant that has about 2 years consulting experience, a MHA, and on track to get their CAPM this year, what are good companies to apply to for good for healthcare implementation or someone trying to get into more of the technical/digital world of healthcare?

What are all the learning platform available for Indian employees like udemy ?

What benefits do indian employees get in terms of parental insurance cover, gym etc for India location?

My employers health insurance benefits are crazy expensive. What can I do for health and dental if I don’t take it from my employer?

This general strike talk has really got me re-evaluating my whole career. I can’t complain about compensation, I’m paid well, I have benefits, and I have a roof over my head. But the work life balance and unsustainable productivity expectations that have been created by agencies that won’t say no to clients needs to change. We place/create ads to turn millionaires into billionaires while we’re treated terribly. Something’s gotta give. I don’t know a single person who isn’t burnt out right now

Is it foolish to put more then $1-2k into an S&P tracked index fund per month? I’ve finally reached the stage as a senior associate where I’ve been able to save a nest egg so much less fear of getting fired and loans are close to paid off. I still live like I have my junior associate salary but have been socking cash in savings/house down payment over the years. I’ve heard an S&P tracked index fund is a slow and steady way to grow wealth and I’d feel comfortable putting in $2-3k/month toward one

How to transfer PF fund from hcl to epfo if i was a non pension member???

Looking for a senior advisor in North Atlanta that is looking to slow down and ultimately semi retire and retire while finding a good for for themselves as well as their clients

Hey Guys, Hope you all are doing great. Can someone let me know about the work culture, is Saturday working, are there any shifts and benefits of HSBC Electronic data processing india, ecospace, Bangalore?

Michael Roth gave healthcare big recognition on today’s earnings call. 3%+ organic net revenue growth across IPG. 👏

How did you get buyers to look realistically? For example, if they have a low budget, but a lengthy checklist where they might not get everything for their price range.

What are everyone's thoughts on making the Monthly Child Tax Credit permanent? I think it is an important step to care for the families in our area, but I know not everyone believes in this program

Ev bubble finally bursting. This rout will separate froth from long term plays. What are LT spacs or EV stocks you are doubling down. Hopefully another 15-20% correction in EV will be healthy.

Wonder how much more of this rat race I can take and starting to think about where to retire. What places are on your list and why? I need ideas and inspiration!

Anomaly NYC —
Structure of accounts, opportunities for growth, work / life balance, benefits. Thoughts?

Adobe giving any Diwali gift ?

Does your district hold back primary students? If not, do you think they should and if it would be beneficial? My district won't hold kids back until 3rd grade, which I think by then is too late.

Curious as to the different outlets you can take after advertising/PR. I am early in my career and I want to explore as many different options as possible

Does anyone know anything about Anytime Fitness or the Self Esteem Brands team?

Budgets? Personalities? Culture?

Anyone have any scholarship suggestions for female college software engineering majors?

Folks who switched from Deloitte to EY, how did it turn out?

Travel industry sales reps check in here! What's your base? Mine is 60k which seems low.

Hi everyone
After hearing all bad reviews about ps I finally have no option left but to join the organization. Any tips how to survive their, how to manage the poor wlb?

Hey guys...

I got an offer from PWC. I got an email as well from pwc that a document is awaiting my update. But in the portal no OL is visible.

Has anyone faced this kind of thing earlier?

Hello fishes,

Do you think that hiring for RPA has slowed down? I am not getting enough calls. Is it same for others as well.

YOE - 10 years
Stack - .net and UiPath

How do you think Twitter will change now?

So, how does a first timer go about getting involved in dating apps? How do I start and what’s a good one to use? Last time I dated, only Match existed!! 🙄 (long story, I’m not that old)

Am I being underpaid? I earn £52.5k + £52.5k. Corporate AE (companies with 1000-5000 employees), 2 YOE as an AE, although I was an SDR for 2 years too (in my first year at current company). ACV roughly 50k. Quite complex sales cycles with a product that is hard to sell. 350k EUR quota. My company has been through quite a few funding rounds and just raised over 100mm in their latest round earlier this year. Happy to provide more info. Thanks!

Anyone succumb to the ads and try Il Makiage make up? Foundation/concealer. Their brilliant ads make me curious, but not sure why not seeing it at Sephora is getting in my way. (while I’m at, how about that Thrive mascara that is everywhere)?

Has anyone taken a sabbatical? What was your company's policy? What was your experience like making the request?

As I get older, I'm beginning to realize how little personal time I have since so much of my time and attention is consumed by work. Working from home has dramatically improved my life, but I have begun to feel rooted to a single corner of my home with little variety. I want to have experiences in the world that 10 days of vacation simply can't provide.

How should you close a final interview with a hiring manager? For some context, this is for a SaaS Account Executive role and first time meeting them.

Any advice from a soon to be landlord?

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 it possible to live off 12k/year?

What stocks or funds do you invest your IRA contributions in. Just opened up my IRA last week and looking to see where to invest in.

My goal since early 2020 was to hit $100k NW by Dec 2021. It’s going to be March 2022 and I’m at $86k 😔 It’s mostly due to healthcare-related bills I didn’t anticipate.
Trying to decide if I should still go through with a 1 week trip to Spain in May that I’ve been wanting to do for years :/

I think somebody shared the Reddit forum that is related to saving money in subscriptions in this bowl. Can somebody help me find that forum?

Personal finance book recommendations?

Just ran the numbers and it seems like undergrad and grad school costs will be through the roof when my kids go to school in 15 years. I wanted to try to aggressively pay off my house (400k loan balance) but am now thinking I can’t do that and will have to only throw money at the 529 (100k balance) for 15 years. Thoughts? What would you do?

This is a dumb problem - but need advice. I basically went from 78k/yr to 138k/yr in alittle over a year. Combined with my partner's income we've gone from contributing small abouts to a Roth IRA to not being eligible for contribute. Our combined income is 261k.

We're almost debt free except the house note (1257/month) , maxing out out 401k, but we planned on doing a Roth IRA and cant now.

So what are the next steps sense we complete blew over the Roth IRA step.

Husband and I are at about 2.5m NW with only 25k in crypto. We are in our early 30s. Should we put more in crypto?

Hey guys, Im 25 and I have about 35k in the bank, 21k in retirement, 41k personal invested, 5k in crypto. No debt. Is it smart to invest more during this down market or save for a house/wedding or something else that’s smarter?

I don’t think I have enough saved (80-100k) to justify a financial advisor. But I also was never taught/learned about money management and planning. Are there any good resources or books in which I could learn about how to invest in my retirement?

What’s your recommendation if my new 401k does not accept pension rollover? I think the only 2 roll over options left are traditional/Roth IRA, right? If I first roll over the pension to traditional IRA, and then immediately roll over the traditional IRA to my new 401k, will I still trigger the pro rata rule when I do backdoor Roth in the future? I have never contributed to a traditional IRA or done backdoor Roth so far.

What are some jobs you can do abroad to earn US money while living abroad? Haven’t reached FI yet but I always worry about running out of money after early retirement.

Can someone please explain a “backdoor” ROTH? When its required/why? I’m very new to all this. I keep seeing this mentioned but no idea what it means.

Bio: About to finish my first year (23y) in a few months and have 10k in a 401(k) plan and 28k in a checking account (I attribute living at home for most of my savings). I have 19k in private loans (5-6%) and 35k in federal loans (4-5%, 0% rn) from UG.

Question: Don’t know too much about investing outside of basics and unsure if nows a good time to invest based off my experience level but I want to maximize my savings. Also, my mom has a 8k loan at 7% as well as my own loans. Any advice?

When you finally achieve FIRE, what are your options to cover health insurance? Any specific strategies to lower the health insurance cost?

New to fire, started my first year in the workforce last year putting 13% + 1.5% employee match into a Roth 401k. This year I upped it 1% so 14+1.5% total now. For reference I made in the mid 80s in year one. Is this a safe contribution early in a career? Any tips, or suggestions on how to allocate my savings?