Personal Investment Chatter

Need some advices asap to consolidate 70k debt from credit cards. What’s the best option out there??

I want to validate an investment strategy especially for retirement with you all. I have a goal of having at least $3M invested in the market. Most of my investments are and will be in big 7 and ETFs ...

What % of crypto do people take in the portfolio? What do you buy? I had none and wonder if I should have some

My last day with EY is soon. What do I do with the HSA/401k? My 401k I will roll into an ROTH IRA but not sure how to handle my HSA

How many people fear being replaced by AI but haven't tried using it?

I have a 5% mortgage. I know conventional advice suggest paying off higher interest debt before contributing to brokerage. How does this play out in the case of a mortgage? Should I just pay it down a...

Is $73000 all in, Including rent, vacation, health and medical, a lot to spent a year living in New York City for one person? That’s roughly 6k a month. I feel like I should be saving more and invest ...

Any thoughts on IUL, VUL and RILA. I have never considered them before always 100% SP500 index.

I am on H1B and moving out of USA in Oct 1st week. I own a house for which I got home loan for 2.865 percentage. If I rent it then I will have positive cash flow of about $600 even after having proper...

Do you consider RSU grants part of your TC prior to vesting? Or only vested amounts? i.e. would cash comp of $300k plus $250k of equity at hire vesting over 4 years be $550k TC for that year or $362,5...

Has anyone worked with Advancial and can share thoughts? Coming to the US and it was suggested by my employer as I could have a bank account before I move. They don’t have a physical location in my ci...

I’m down 23% on MSFT and 38% on PLTR. I thought tech and AI stocks were strong?

What HYSA do you recommend that doesn’t transfer money to partner banks?

I'm getting $190k in back pay from my previous job pension. Would you advise taking it now with 20% tax withheld or rolling it over into an IRA, no tax withheld but I will not be able to touch it unt...

I'm moving my 800k+ 401k into an IRA. Please advise me on what to invest it and where? FIDELITY, Vanguard or elsewhere? I want safe growth because I'm planning to retire at 55 from my current positi...

Any reason to continue to escrow insurance? When we refinanced they let me handle property taxes but had to escrow insurance. We just received a letter saying we could opt out. Pros of escrow seem to...

Anyone bank churn as a side hustle? Still in my first few months of it, and I haven't seen any downside aside from having to file a bunch of 1099-INTs next year.

Confession: I used to think "diversification" meant having 3 different tech stocks 😅 Took me an embarrassingly long time (and one rough year) to learn that owning Apple, Google, and Microsoft is not ...

I expect to get some money to the tune of 400 K shortly, what are some good investment funds/ indexes to invest in if I want some of the money to be in low risk funds and the remaining in high growth ...

With the 3 major IPO’s recently, is this a sign that AI valuations are at max level and we can expect a major correction soon? Combined with interest rates and inflation could be a perfect storm when ...