Wwyd if you were me: we have more cash than we need in savings account (not a ton more, but more than our usual emergency / buffer). Have $20k left on car loan at 3.5%. Normal I’d invest the extra cash and keep loans. But with markets and inflation as they are, should I just pay the loan off?

Client had a privately held REIT in IRA. Trying to transfer to IRA I manage to diversify. I need some help. Continued...

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

Anyone know good penny stock to invest in? I have some "play" money that I would like to invest in some good penny stocks.

Taken from twitter: “My wife grew up thinking that having water/ice dispensers IN THE FRIDGE DOOR was a life goal.
I grew up thinking if you had a basketball hoop with a clear/plexiglass backboard, you were rich.
What are some things you thought were indicators of wealth when you were a kid?”
Curious to see your responses....

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

What is with people not knowing how to read signs? We have a huge one that says “NO CASH ALLOWED” and I still get asked almost everyday if we take cash

Recently closed on a purchase between a land owner group and a NY based builder for 500 lots of of Florida.

We have similar buyers lined and looking for land owners leads.

Any real estate agent/attorneys with leads for land owners and/or builders please feel free to DM.

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

9 years at the firm, 3 as a manager and I just broke $100k in the Northeast region. Maybe it's time to explore my options.

Red flag? I use TD's robo investor for my IRA and personal investment portfolio. I noticed it chooses the same ETFs, although potentially a different ratio. This seems that it's not properly diversified for long and mid term. Should I be concerned, or just let the investment fly?

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?

Day traders, what do you use to trade?

Has anyone used an online accountant/back end company to manaage all of your invoices, billing, taxes, etc?

I’m debating using Collective or Bench but would love real reviews.

I worked with a Junior AD that skipped college and went straight to portfolio school. I was mad resentful of him at first, mostly because I wish I would have thought of that and saved $100K.

Building out private investment platform for a growing company. Where can I find example docs of allocation policies, expense policies, etc. in order to create my own? Are there any good resources?

Anyone have a realtor they can recommend that would kick back a portion of their commission on a > $1.5M purchase. Please DM. Thanks!

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Anyone start later in life? About to turn 32 and my retirement savings are sad.

Best west coast pharma agencies?

Just wanted to confirm if we have an option for buyouts during the NP,is it normally negotiable to 30 days,how does it work?

Is Cognizant Consulting same as Cognizant Business Consulting? And how much it is different from CTS?

What's a fair amount of resignation notice to give when you are a C-level/executive committee member?

I have an offer for a company abroad. Originally they wanted me to fly out and start the day after Thanksgiving (not celebrated in their country), but because of the holidays I suggested starting in either December or January with the ability to take some holiday days in December to fly back home for Christmas. They then proposed starting out remotely “as soon as possible” in the US as a contractor and then moving abroad to start full time abroad. (Cont)

I canceled my Amex paid membership as we aren’t traveling for work yet. Have 100k points to redeem in 2 days. Don’t want to waste it on target or Walmart gift cards as they have terrible conversion rate. Any suggestions? May be transfer to Emirates points as I will travel to Dubai in a year?

Hi all,

I just got a job with Delta airlines and I had an accomodation request to work remotely as I am Immunocompromised. I provided all the neccesary documents to back up my request and letters and documents from my Dr. aswell. My request was denied because the team said they wanted me to have face time and one on one interactions with people from other team (which defeats the purpose of my request) because I have to limit those interactions to reduce the risk of infection. What do I do?

8.5 years of experience in testing and _vois is offering 22.10 lpa ( fixed + 13% variable ) . Ihad asked for around 24 lpa
Is it a good offer ? Should i accept ?

(1/2) I started a new job less than a month ago at a large firm with a significant pay increase. I work remotely- which is a special arrangement. They paid for my travel to their headquarters for in-person training. After interacting with my manager and some of the attorneys, I feel like I made a mistake. Manager is demeaning and rude. A bunch of the attorneys dropped not so subtle hints that people who work from home are causing all kinds of problems. I don’t know what to do.

My wallet got stolen month and a half ago its worth 700K today .... By the way money invested was 10K only.

Was disappointed for couple days because it was my mistake for not paying attention to the scammers.

Back in the market and recovered the losses and money invested, isnt this an amazing bull market!!

By the way im not rich so that money would have gave me a life change.

What should i ape on next fellas?

What to choose when you can’t have it all: high salary, healthy working environment, room for growth, love of the day-to-day work.

The irony. I just got promoted and I’m looking for work to hightail it out of here. I’m still not changing my mind. At least I have a higher title now. 😁

Who are your favorite non-Union VO talent agents that you reach out to for casting submissions?

Hello all 👋 new to the bowl today.

I hope everyone is having a great week so far!

Have 20k, what’s a good small business to start with this fund? Serious question here

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

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?

Any suggestions for joint investment account with a significant other?

Decided to payoff my mortgage.

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

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

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Where are After-Tax 401(k) and employer contributions tracked by the IRS? It doesn’t look like they’re on W2. I know the employer + employee contributions have a $58,000 max for 2021. If I worked at two companies and had match + Roth + After-Tax exceed 58k, how would Uncle Sam know?

What’s your FIRE target age (where you no longer maintain a salary job)?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

Is it true that some* debt is good debt. I’m referring to student loans, interest is ranging from 2% - 5% (all federal loans). Total is 20k, is it smarter to pay it off immediately and ASAP or just stretch and put the extra money into investing? Note I just graduated this year, thank you guys :)

If you could right now, would you buy a house in full cash or invest in the market?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Thoughts on staking crypto? What’s the safest way.

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way

At what investment size should you typically start using fee only financial advisors?