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Savvy

Yes, it's our main card and Elan/Fidelity is great. I think there are a lot of posts on this already if you search.

Savvy

You will be impacting future opportunities. But you turned down those opportunities because you didn't want them! So I don't see an issue here. Seems like salary, flexibility, and work life balance are all good right now, so I wouldn't put too much thought into this.

Savvy

HDHP with HSA will probably be best bet. Do they let you invest in HSA? Max HSA and pay for expenses out of pocket. Save receipts. After getting 401k match, HSA is best investment vehicle in my opinion.

Savvy

I think you could. But I recommend a sabbatical as soon as you can. If it's long it would probably be unpaid, if it's 3 to 6 months they might pay you if you ask. Perhaps sign a contract that if sabbatical is paid you agree to work a minimum of 12 months upon your return. Not sure where you live but...

Savvy

Have you written you IPS together? If you wrote it, has she read it, understands it, agrees with it, and knows where to find it if something happens to you? Does it include steps on investment strategy and specifically who to contact for questions or advice?

Savvy

Apologies, not exactly answering your questions: -biggest impact on your savings right now is not fund choice or expense ratio, it's contribution amount. Focus on doing great at uni and lining up a solid career. -I'm in corporate finance, good work life balance and good pay -work hard and have a go...

Savvy

You're doing a good job!

If you are in 0% tax bracket for long terms capital gains, are you doing any tax GAIN harvesting? Make sure no space goes unused!

Savvy

Unbroken
Disney War
In the Kingdom of Ice
Endurance: Shackleton's Incredible Voyage

Savvy

Apologies, not exactly answering your questions: -biggest impact on your savings right now is not fund choice or expense ratio, it's contribution amount. Focus on doing great at uni and lining up a solid career. -I'm in corporate finance, good work life balance and good pay -work hard and have a goo...

Savvy

hi_there wrote: ↑Fri Feb 05, 2021 7:10 pm Sir, this is a Wendy's.

The office?

Savvy

Congrats on the success!

I suggest take a week off with only goal of developing a plan. Maybe 1 or 2 days rent a place by yourself to clear your mind. Bring a journal.

Savvy

Smarter people will comment after me but I'd be suspicious of buying a car that is priced below market value from another state and buyer wants to be paid over PayPal which you are unfamiliar with.

Savvy

Very interesting read. Relates to me in many ways. Does your company offer a sabbatical, or can you ask for one? Maybe you ask that once XYZ project wraps up in 6 months, you take a one year sabbatical so they can plan ahead on your backfill. You can always change your mind and permanently leave (an...

Savvy

You can afford it. You built up a big sum quickly, I have confidence you can pivot as needed. However, are you considering doing this to get special time with son, or because work has been a drag lately and you want to step away for a year? (Being at home full time can be a very hard job too). Have ...

Savvy

Sent a DM.

Savvy

I would work for 4 months. Save enough cash to pay for this year + next year without touching your investments.

Savvy

I've been about 10 times, it's awesome! I suggest late Aug to early Sept as best time to go...warm enough to swim, cool temp nights, and few bugs. I recommend launching at an outfitter, then you can stay in a bunkhouse the night before launching in. Don't be crazy with how far you want to travel, I ...

Savvy

A few thoughts: 1. I agree with another comment that she may not need another degree. Teaching math = good with numbers + good with communicating, computer science = good with computers / tech. Organizations are always short on good people, so I already think she has the experience and degrees neede...

Savvy

No way, leaving an 'insanely flexible' remote job for a slight pay bump? That flexibility is so so so valuable and not guaranteed to be the same elsewhere.

Savvy

I have two:
Make hay while the sun shines
Buy shares (I think we'll have a bear market, so NW may go down, but all I can do is keep buying shares)

Savvy

3,636.36

Pretty certain I will be exactly right

Savvy

Well I sent my boss an email and he just responded back saying “this is the raise”. Everything where I work is always bizarre. Dang. Poor answer from boss. However, these are the types of things to discuss on the phone rather than email (easier to discuss nuances, read their tone, people tend to be...

Savvy

I would not. You're doing well on incomes and setting yourself up well for financial strength over time, but this purchase (or even coming close to this purchase) would create flexibility problems. And stress. I think about the money you can't invest in the market because it's tied up in bigger efun...

Savvy

#1 let them choose. It takes some dedication (and falls) to learn, so they need to be eager to learn it.

My siblings and I all started out skiing, and we all converted to snowboarding around this age.

Both are great, can't go wrong!

Savvy

Hello! Not an expert, but what I do for my taxable account is track Specific ID, and I do not reinvest dividends. When I receive a dividend payment in my settlement account (say it's $300), I send it back to my checking so my settlement is empty. Then, next time I put money in taxable, I just send i...

Savvy

I work in business, different field. What I have found is the 2 to 3 year mark in my field, it is not uncommon for folks to become impatient / not satisfied, and jump ship to another company / career. Have you explored avenues that are 15% different from your current role, rather than 100% different...

Savvy

Welcome! Make sure to max HSA, 401K, and IRA before taxable. Focus first on increasing savings rate and increasing income, that will provide the best return while you're young vs. worrying about what index fund to be in. MBA, seems early in career to get it, just make sure the time investment and mo...

Savvy

Not a tax expert, but it seems like you can tax GAIN harvest in your scenario given that you have taxable investments.

https://www.gocurrycracker.com/never-pay-taxes-again/

Savvy

Might be a niche field but look into the role of validation analyst serving the Pharma industry (ensuring pharma plants are following protocol).

Savvy

Wow, in many ways we're similar! First, there is no way for management to know whether you have too much on your plate unless you make them aware. Do not suffer in silence. Sounds like you've built up equity where if you bring up this issue it won't come across as complainy. Second, I know easier sa...

Savvy

Congrats! You'll be fine on car space, don't upgrade unless there's a car issue. I recommend getting tactical on what life will look like post baby...will one of you try to take extended unpaid leave (I recommend)? What happens if you're both having a busy work week, who will do drop off and pickup ...

Savvy

Thank you! Executed! I tried PayPal but for whatever reason that wasn't working for me. I've never done it before but pretty sure I was doing everything right. Anyways, used my 2% back card so still a great deal!

Savvy

OP, what I am reading is that you are much more in demand than you give yourself credit for. You can leave one career/industry and later return to it to a 6 figure income when you need it. Conversely, your new industry went out of their way to unfurlough you before everyone else. I think I would go ...

Savvy

Was it a licensed contractor? My state has a contractor recovery fund in case the contractor won't pay.

Savvy

Our lives were flipped upside down about a month ago when my 17yo son was diagnosed with Type 1 Diabetes. It's been a whirlwind since then getting a crash course in how to manage this. DW & I have stable jobs and excellent benefits, so we are very lucky. We are blown away by what the total reta...

Savvy

A very close family member has it in my family. My advice is for him to invest in his health by taking care mentally and physically. That's the best financial investment. You can of course help him through it if it's looking like life is getting too stressful.

Savvy

Your decision, OP, but we are in Twin Cities too, and that price is shockingly high. Can do a brand new build in some great districts for mid 400s. We are in similar NW territory and age, I would not pay that much for a house in the Twin Cities. But, ultimately, I think you can probably afford it. ...

Savvy

I’m about your age, in the Midwest, and 2 kids...a little older. I can’t imagine where you are talking about other than the Chicago area. Otherwise that seems like a top of the heep neighborhood McMansion (you didn’t mention acreage). At times I regret moving from a low-mid 250s home (upper middle ...

Savvy

I am a big fan of getting a car with about 20K miles. Usually right after a 3-year lease ends. You could probably save $5K going Civic vs. Accord. I think you're thinking about it the right way. I've always had a goal to buy each car for less than $15K drive-off-the-lot price. We've done 3-year old ...

Savvy

Many areas have timeshare options. My family owns 1/5th of a cabin, so about 1 week per month. Find something like that. No maintenance, no fuss.

Do not buy your own!

Savvy

Yes, go do it!

If things don't work out the way you want, return to corporate. This isn't a decision that is locked for 60 years, it's probably a monthly decision.

Savvy

20 hours per week is a high expectation, especially the first year. If it impacts grades and therefore future opportunities one could argue it's actually a net negative $ per hour job. I think having a job while in school is good for developing life skills but at a certain point it is too much.

Savvy

Tried to reply to your PM but I think you have replies turned off or blocked?

Savvy

Take the leave. You will never get this time back. It's worth everything.

As a new dad, parenting really hit home when I was on parental leave. Work completely drops off, and you can focus wholly on your child. You'll never get to do this ever again. FWIW, I got six weeks paid.

Savvy

Best of luck. I'm in the same state, same function, and roughly same age. Its a great market for finance and if its the company i think it is the work life balance is great (i dont work there). DM me if you want to talk in more detail.

Savvy

Free? Get it! 3 years from now you'll either have your MBA or you won't, and either way 3 years will have passed. Also, it's not just subjects and networking, learning how to balance work and school is the biggest lesson I learned from my MBA.

Savvy

As a fellow Minnesotan, welcome to the forum! Great job saving so far and keep it up. Keep it simple & fill the rest of your Roth IRA for 2020. Hold on to the remainder in a high yield savings account (like Ally) until 2021 when you can put the rest in your 2021 Roth IRA. There are always loans ...

Savvy

Congratulations! You must be very good at what you do. 1. Listen, of course, as others have said. But in your first 1:1s with each associate acknowledge your fewer years of experience and share that you're in this together, you don't have everything figured out, but you're striving and determined to...

Savvy

Congrats!

Second recommendation for Ikea Antilop high chair.

Remember to laugh at yourself when things go poorly or get messy. Biggest change for me was that I could no longer execute everything as I planned - baby always has other ideas

Savvy

Savvy

Good to hear you thinking through all of this. Plenty to think about but the main item is this: the biggest driver of investment growth at this point is contribution rate, not investment selection. Focus on finding ways to boost savings into 401k/IRA, you can always adjust investment selection as yo...

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