Tell the landlord you will make sure it is filled to the same level when you move out, or they can charge you for the difference. Or get it in writing that you have paid for a full tank up front so you will leave it empty when you move out. Same as when you rent a car, you only pay for what you use. They can't have it both ways.

A lot of sysadmins have this (rather shitty) attitude that they're at least as smart as a developer and should make the same amount of money. Been this way for decades.

These people are now also pissed at Ops/SRE people.

It doesn’t hurt to take any role to get paid and to continue applying for SWE roles

Find land, build a 24 hour self service car wash. Buy drugs in bulk. Sell drugs and launder the profits through the car wash. Repeat.

You’re not being direct enough. The interview process is a negotiation, and you have to lead with the minimum you’re willing to work for. Tell HR that you want $26 an hour or they can bite the weenie.

Ask a software developer, and they will tell you that system admins have it easy.

Grass is always greener.

You are supposed to be kind of a code monkey as a junior dev. As you get more familiar with the repos and overall flow you can start participating in those conversation.

I recommend finding software development positions at companies that don't "cargo cult" questionable FAANG practices. There are plenty out there, especially if you look in locations outside of big tech hub cities and at non-tech companies (my preferred niche is logistics and manufacturing). Pay may be somewhat lower and the benefits might not be Instagram worthy but it will often be more stable with a better work-life balance.

You pay for what you use and refill at the end.  The previous just paid for what they used   If the previous tenant did not pay to have it filled you would be paying for what they used. 

In essence if you pay this you will be double paying. You will pay for what they used and they again for what you use.

Edit 

It’s like a rental car. You only pay for the gas you burned to drive. 

You do t pay for the previous drivers gas they put in plus the gas you use

1) you should talk to a CPA about maximizing your contributions to a Solo 401k or SEP. that is your first and most tax efficient step. You should also both make HSA contributions. After that you could increase 529 contributions or increase your purchases in the non-qualified brokerage account. You could also reinvest in the business if scaling up is possible. If you are at a growth limit, consider other businesses you could start or invest in. Could you allocate that 100k a year to hiring someone to fill your role in the business? Your kids are young and that is time you can’t get back.
2) with your $767k you should set aside an emergency fund in cash, maybe set aside a second-apron emergency fund in a defensive etf like AOK. Cash in excess of that reserve fund should be allocated to an investment. You could pursue real estate (difficult right now with rates) or invest in the market. You could easily lump-sum 500k into the market tomorrow or you could break that up into portions and DCA over the next six months if it makes you feel better about fluctuations in the market. Avoid dividends if possible, you don’t need any more taxable income. ETFs like VT, IVV, AOA are all suitable, talk to a financial advisor or CFP for more information and guidance.
3) what is your long term plan? If you want to have financial independence then you need to allocate more assets towards investments. The path you are on currently will likely not sustain a transition out of work at the same level of lifestyle that you currently enjoy.
4) if I were in your shoes I would set a goal to build up a $3-5m brokerage account aside from your solo 401k plans. I’d use a mix of IVV, IJR and IEFA to start. Once I got close to retirement I would add a portion of HTAB and AOM. (That is my preference, talk to a professional who better understands your situation.)

Edit: updated a ticker symbol EFA -> IEFA

Pause, and then start again when you have a great idea -- and not just an idea for the sake of an idea. you might have sit on that cash for a year, but wait until something drops in your lap that makes you think "man, this is the thing that the world needs". Not in a dramatic way, but in a literal one. Wait until an idea slaps you in the face that seems so obvious, and then funnel that money in to getting it built.

Be willing to accept contract roles or vendor roles. It’s not sexy, but a year or two as a vendor or working a 12 month contract is a great first step. 

Any experience > no experience.

Don't play pin the tail on the donkey. Tell them the amount that you are willing to accept the job for given all of your qualifications.

They don't know. Lead the witness. Make it easy for them. Tell him what you need and if they can give it to you they probably will.

My engineering dean would say to us "we are here to teach you how to design, not how to write code". 

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When I graduated as a software engineer, I asked him what he meant by that, he said "codes know every function by memory, but they are incapable to do more than that. If you can figure out a solution in your head, you can google the code for it" 

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Engineers design systems, coders write functions. Engineers can write functions, but coders can't design systems.

Email the hr guy and copy the hiring manager in.

Ask for an update, and reiterate you are expecting to be offered the advertised rate before you will take the job.

Be polite, but be clear.

First step is sell something for $10k so you can call it $3m NW. 

looks like you are doing everything right. I’d probably start a non tax advantaged account and invest in higher growth ETFs. You’re pretty conservative with those HYSAs. I understand as I am the same way. Just go a typical boglehead style investment strategy with all of that HYSA and savings account. Right now I would include t-bills and HYSA as your bond and Emergency fund allocation.

I think so, but what will your schedule be? Say you studied all Saturday and had Sundays off, you'd still need to do 2-3 hours in the evening after work.

>After paying 3 months of rent security deposit

This is unusual, why did you do that?

What state are you in?

You may want to ask about this on /r/legaladvice

It's bad,  idk why anyone is going on about anything else.  You'll have to do more side projects and semi specialize to stand out.  Anyone saying otherwise is wrong or lucky.  I would realistically prepare to be without a cs relevant job 6 months to a year not because you'll necessarily go that long without but it wouldn't be all the strange either.

X ray tech.  Just operate your portable X-ray or c-arm or something in the OR. 

Respiratory therapist:  all your patients are comatose on a vent.  No real patient contact, just set up and manage vents.

LOL you have 5 months experience as a junior dev, being a code monkey is exactly what you should be doing lol

My husband works 40 hours a week and is currently taking online classes full time to get his bachelors. It’s a grind but it’s only 2 years if you already have the associate degree. He basically does minimal school work throughout the week and then completes everything on the weekend. As for mental health it honestly depends on your perspective. 

I’d look at it this way: if you don’t go now, will it get any easier in the future?

I have three kids and did this. It’s doable, but you have to be very disciplined.

Most careers don’t include patients at all, so if your plan is to start fresh with a new college plan you’ll need more guidance than just “not with patients”. Are you still interested in PT? With healthcare? Are you interested in something tangential like insurance or finance? Do you want to be a fashion designer? It’s literally a wide open world so I don’t think anyone can give you helpful advice based on only the requisite that it’s not with patients.

So I made a mistake entering a money order at the atm. A money order for 1,000 usd was deposited but entered as 100,000 usd on my error. Could not see the screen well, in my defense. Called the bank immediately and they said that it would correct within couple days. Days go by with no correction. They have at this point held 1,000 of the 100,000 credited to my account. Which didn’t make sense. So we tried calling again and again. What do you know? Bank credits our account 99,000 usd. So we call the bank and they tell us our account is locked/held until they figure things out. Now our account is closed and we received a cashiers check in the mail for our remaining balance along with the banks error of 99,000 usd. What to make of this situation?

Bank closed my account and sent me a cashiers check

All they do is take different requirements and tell the devs what they need to do. The one at my company literally just creates stories with titles and asks us devs to fill them out with description and points. 

When I confronted her about this she said she has no technical background so best she could do is create stories with titles only and then us devs can fill them out with details and story points. Then she just adds enough stories to our sprint to  make sure we have somewhere between 25 and 30 story points. I think literally anyone else can do this as this requires no special degree or technical know-how.

Why do product owners get paid more than software devs?

I’m just looking for some input on a path we’re thinking about taking..

Some details: 31m and 27f. No debt aside from mortgage. $30k saved being moved to a HYSA. We owe $98k on our house that has a 2.875% interest rate. Monthly payment is $778. It’s worth $200k right now. We have a 10 year balloon loan that ends in 8 years. We refinanced to this low rate 2 years ago. We live in a LCOL area with a combined income of $115k. 

We do not plan on staying in this house forever. We would like to eventually move to a house that better suits our family needs. We’re thinking about putting our extra money towards principal ($1,500 per month) to try and get it paid off or to a HYSA and pay it off down the road with those funds.

What we want to do once it’s paid off is rent the house out (would go for $1,500 per month) so we can have those funds go towards our next house.

This is option 1. Option 2 would be simply paying it down, selling it and taking the $200k and apply most of it towards the new house. So instead of having a $300k mortgage it would be $100k.

I just don’t know if renting it out is truly worth it given how much we would be paying in interest on the new house versus having a low principal balance. The plus side to renting is the whole “passive income” for us down the road..

What are we missing?

We must be crazy to pay off our mortgage at 2.875%..

Title. I have around $1 mil in investable cash and a background in software engineering. No sales / marketing knowledge and trash tier social skills, as well as rock bottom self esteem.
I'm looking to generate $10k per month, and I don't mind working up to 80h per week.
What would you do? Besides getting a job, obviously

Edit: thanks to everyone who has taken the time to answer, there are a lot of great ideas I'm eager to explore!

What would you do with $1 million cash and coding skills?

I come from Europe and the concept of financial independence and early retirement is always hated by most people. Basically when I tell someone I want to retire at 50 they immediately start laughing or saying I'm delusional.

When I say that you can invest and save, everyone immediately turns around and says that I have a sad life, that I don't enjoy anything and only save.

Most then say they are working themselves to death or retiring at 70 at the earliest. I find this a lot sadder than buying a new iphone every year or vacation 6x times a year on a loan to show how rich I am on instagram.

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Why majority of people hate FIRE so much?

https://www.bloomberg.com/news/articles/2023-04-19/us-stock-bulls-ignore-100-years-of-recessions-at-their-peril

So I am hearing ALOT of talk that the market bottomed October 2022, and that the recession is going to happen but has not happened yet.  Well history says the stock market will get worse then last year.  So question is, why would anyone be bullish now ?  

“This time is different” is a very dangerous thing. 

Thoughts ?

If the stock market has never bottomed prior to a recession then why do people think October of last year was the bottom?

I'm aware that annual contribution limit for a 401k is $22.5k.

I've had two separate jobs and a bonus that have contributed to my 401k for 2023. Consequently, my 2023 401k contribution projections have a higher level of error than normal.

What happens if I overinvest in my 401k? I want to max it out. Given my poor forecasting accuracy I may contribute $23k to $24k for 2023.

Will I be penalized? Will the IRS even notice?

What happens if you over-invest in your 401k, i.e., >$22.5k for 2023?

If you could get 6% risk free -from a CD, Money Market or Treasury Bill- would you bail out of the stock market until savings rates fell?  I am thinking about it.  The stock market is still down from its 2021 high point but it could be a long time before we reach late 2021 levels in the S&P500 levels.

Maybe the smart move is to market time- because this time is different- collect near 6% risk free and then go back into the market when savers interest rates start dropping.

As Treasury Bills and CD's move to 6%, many people will bail out of the stock market (How about you?)

This new manager joined and she's suspicious of everything I do or say. I had directives of the manager before her, and she convinced top management that priority now is different and I should adjust accordingly, which I completely disagree with but didn't say anything and complied anyway. They all asked me to be in the office effective last week to support her with her onboarding, and this is my second week now working full-tmie from the office, and in total we probably spoke for 30 minutes. The rest of the day, I'm just going around doing my regular stuff. What can I do? I asked if she's flexible when the decision came out, and she said yeah nah, you have to be in the office, no questions asked. But it's taking a toll ony my work life balance, and I really hate it and I'm unhappy 

Isn't it selfish that the new manager asks me to work from the office to support he transition into the organization but out of my 8 hours spent at the office, she asks my help for only 10 minutes?

This is not self promotion in the slightest, as Im posting this on my hippie account that I use to post about hippy shit. No I will not mention the name of my app. 

This is just me being nothing but purely excited. I never thought I’d get here. I’ve been working so hard to get out my entrepreneurial spirit out and it’s finally bursting out of me. I feel my soul shining. 

And it feels GREAT!!! 

I’ve got a long road ahead of me, to see where I can take this thing. I can’t wait to see what the future holds, because even just getting here has made it all worth it, and I am just so Excited! 

While I’m still beginning my journey, I wanted to leave some **advice**…

If you feel you have an hungry entrepreneurial soul, embrace it. And do whatever you can to FEED IT.  

But don’t feed it for yourself. This journey is not about you. It’s about other people. Being an entrepreneur means you are in service for others. You are making a product for OTHERS. 

Leave no room for self doubt. We are all human. You will make mistakes no matter what. JUST KEEP AT IT. And celebrate every small success on the way.

And if you fail, as I have many times already, also celebrate that. Because it means you learned. And learning brings you closer to success! 

That’s all I wanted to say. If you have any questions I will happily answer (just note I'm still a beginner at this!). Oh and thank you for sharing my burst of excitement with me!

I MADE AN APP AND MADE MY FIRST 35 CENTS TODAY!!!

I’m a software developer with 4 years of experience. Now I’m looking for a new job and I’ve found the technical interviews difficult. It seems like they’re asking random trivia and I’ve found it difficult to solve random coding problems on the spot, especially if I have to remember the syntax for the specific language. 
At my current job, I worked on a project with a large client for several years and received very positive feedback on my performance, so I know I can do the job, but I just stumble when it comes to the interviews. So I don’t know if I want to go through this for the rest of my career whenever I need a new job. 
I’m doing more interview prep now, but just wondering if there are careers similar to software development that have some of things I like about it - problem-solving, creativity, etc., that don’t make you jump through all these hoops during interviews. (Note: I’m not interested in roles like Scrum Master, Project Manager that has to do more with managing people than hands-on problem solving).

Careers related to Software Development that don’t make you jump through so many hoops?

I work as a senior software engineer at a big corporate company, slaving away. Annual compensation is $175k ATM. 

Got $120k saved up. Got nothing to spend it on. (Already have a house, car etc..)

Looking for ideas on how to gain cash generating assets with the money so I wont have to rely on a job. (Please dont recommend investing, i know its an option, looking for something else)

Is it possible to hire a small team of ppl and build a business like that?

Tried multiple times to build something myself but the sheer amount of time it takes to build something just frustrates me and i toss it away to start a new thing a few weeks later..

My coding is top notch. As far as sales and marketing goes, i have some knowledge about it, but no real experience. Im not a "people" person at all.

Would love to hear your ideas.

$120k saved up - now what

I recently applied for a position at my local hospital. The job posting stated the rate was $25.67/hr. My experience and certifications exceeded what was requested in the job posting. I have 10+ years in the field they wanted and a higher level of education than required. 

I interviewed on Friday with the doctor and practice manager who run the clinic. They were very excited about my experience and qualifications. I hired on the spot and told they're going to fly me out of state for training on the machine I'd be running. 

This certification requires you to have experience in a certain field to become certified (which I have). Everyone at the clinic seemed excited to finally find someone for the position. 

HR called me and told me my rate would be $18.25/hr "based on experience". I politely asked him what experience I didn't have to make the full rate. He couldn't answer that question and told me he would "see what I can do" and call back the next day. HR did not call me yesterday. 


If HR continues to low-ball me would it be appropriate to call the clinic manager and kindly let them know I want the job but HR is meeting the salary expectations?

HR is low-balling me. Should I talk to the hiring manager?

I'm graduating in dec 2023 and have been applying. 0 actual interviews. I have 0 intern experience. All I have on my resume is a sales associate job, a leadership program, and research experience (NeuroPhysics) and 3 projects. 3.5 gpa CS+minor in physics from a normal state university. How screwed am I, please be honest. Should I look into other roles besides SWE like data analyst, cyber security, etc?

How bad is the market right now for people in my position

I hear the phrase if you are just going to be a code monkey you will be replaceable. Obviously, I don’t want to be a code monkey of just writing code but be an overall engineer that designs and understands the business process of how code impacts the business,etcc. This is easier said than done because I’m a junior dev with less than 5 months of exp and all im doing is literally coding out the requirements PM wrote on ticket. Also, I see senior engineers in my team also write code all day. So how exactly do I not be a code monkey if my job is literally to write code to get software shipped as a junior dev? I don’t think I can do designs yet since the tech lead does that and I barely know system design & im still learning. I also don’t interact with the customers since the sales team does that.

They say not to be code monkeys but that’s easier said than done

I was speaking with a friend of a friend the other day that works as a Sysadmin at a local company. He has 20 years experience in this field, so I was asking him a few questions regarding different positions/careers. He mentioned that, "If i want it easy, become a software developer." I've always thought the opposite was true, at least for me. I find programming to be more intellectually challenging than setting up a network, for example. Do you guys agree or disagree with him, and why? Personally, I'm more interested in the Cyber Forensics side of things but I'm still curious. 

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**TLDR**: Is a career as a Software Developer really any "easier" than other positions?

According to an acquaintance of mine, Software Developers have it easiest in the field of CS (Careers). Is this true to an extent?

  
I already have an associate degree and am already working in the field. Now I doubt going for my bachelor while working 4 days a week. After an associate degree it will take 2-3 years of studying 20-30 hours a week (everything for school included) and working 32 hours a week. Is this doable for 2-3 years? How is this for your (mental) health? Any advice from people who did this?  
  
I have no kids and single at the moment.

Working and studying 60-70 hours a week for 3 years: doable?

Young 19 year old moving into first apartment, After paying 3 months of rent security deposit and all of that I thought I was finally done with finances. All the sudden the land lord tells me “The last tenant (my son) paid $700 to fill up the tank before he moved out, you need to write a check to him for that amount” Is that normal? Like if he was moving out why would he pay for a whole year . She also sent me a oil reading invoice too

Required to pay for last tenants full heat fill up

I am 43, wife is 42. Our children are ages 9y, 7y, and 1y. I am a self-employed (LLC) wfh professional (13 years into my profession). We live in the suburban Midwest. We live frugally but comfortably and take a nice vacation once a year. There’s not much we want but don’t have. I’ve hit the sweet-spot in my professional career and have good systems in place to keep the business humming.

**Income data**

My business grosses \~$575K annually. Wife and I are only employees. My wife owns a rental that earns \~$24k gross.

Total income reported on our personal tax return for 2022 was $368K and AGI is $358. Income is stable and will continue to be about the same, and may gradually increase but nothing dramatic up or down.

**Savings/investing**

We have $767k in cash spread out over 2 or 3 banks in HYSA, earning between 4% and 5%. This looked much more stupid before rate hikes.

We contribute $2500 per month to non-retirement investments, split evenly between Wealthfront and Fidelity, this was something I started only 2-3 years ago when cash savings became too big of an emergency fund.

We both have Solo-401k retirement accounts, valued at roughly:

* $358k – me. Contributing maximum deferral each year ($20,500) and 25% of salary is from the business as profit-sharing so $25,000, total $50k per year from both sources.
* $225k – wife. Contributing maximum deferral each year ($20,500) and 25% of salary is from the business as profit-sharing so $12,500, total $32,500k per year from both sources.
* This could be boosted a bit, but in so boosting, I'd also be paying myself a larger salary and subject more money to social security tax (12.4%)

I have an old SEP-IRA (can’t contribute anymore) with Edward Jones valued at $37K.

We have an HSA account in my wife’s name fully invested with a $51K balance. This is a de facto retirement account, because it is more beneficial to pay medical expenses out of my LLC.

We have 529s set up for each child and are contributing $2600 total to all 3 accounts. Balance total is $138,500.

All this means we invest annually in the market \~$148k. This leaves us with around $100k to $110k in cash I’m just putting into HYSA. The rest is going to expenses and taxes.

**Debt/non-cash asset values**

We have little debt – about $150k left on our mortgage (2.4%) and home value is around $650-750k. Vehicle loan of $1100/mo (5.19%). Student loan of $24k (low fixed rate).

Business value is around $350 to $700k, depending on how you look at it. Spouse has a house in an EU country we’ll eventually exit and cash out or put into something in the EU that’s more convenient (bad location, far from airport, family home).

**NW including real estate is $2.99M.** Cash value of all investments/cash accounts (no houses, cars, business, etc) is $1.67M.

My goal is fatFIRE, but maybe not retire early but work easier (I enjoy the work and am not too busy to take time away). Otherwise goals are:

* Grow what I have and what I will receive over the next 10 to 15 years, then semi-retire/taking things easier. Have the option to retire early/decrease workload in my mid 50s to 60ish (when my oldest are adults) and still have plenty of money.
* Instead of selling my business when I am ready to retire transform it into something bigger than I'm not working on everyday. Or maybe a child of mine wants to be a professional like dad.
* Retirement would include doing many things I enjoy, some modest but more frequent than annual travel, longer stays in the EU, and spending time with my children.
* Be open to setting up a franchisee or family business opportunity for my children as they reach adulthood. They are still young and this might be unrealistic. It could also mean buying them modest starter homes and using them as rentals until they need housing
* Leaving each of my children with an inheritance (“as big as possible”) but I’d like to make them millionaires, so die with $3M in assets.

**Questions**

1. What would you do with some of the cash flow (\~$100k per year) not being invested?  If it's smart to keep it in HYSA, when do I move it out into some other investment vehicle?
2. What should I be doing with the $767k in cash I'm holding in HYSA? If 5% is good now (probably), when am I moving and to where?
3. What should I know that I'm not even asking? I come from a professional family that didn't work as hard or as lucratively as I do (really, I'm just lucky and blessed).
4. What would you do if you were me?

Where do I put this money and when?

I’m a licensed Physical Therapist Assistant for now 7 years. Have worked full time during my 7 years in hospitals (short time starting out) skilled nursing facilities (~5.5 years) and now outpatient (going on 1 year). 
I make decent money doing this, I just don’t love what I do anymore. 
Working with patients directly is draining. Because I am the Assistant, and not the PT, I am constantly belittled and talked down to. 
All of the PT’s I have worked under have always complimented my work ethic and knowledge I bring to the team and patients. 

But I am burnt out. 

I want to look for a new career. I am willing to go back to school. I am 30 years old so I definitely still have time. 

I’m struggling on what I could do, or even what my interests are. 

I need help exploring career options with good pay.

What careers out there make at least 55k annually that don’t require direct patient care?

What careers out there make at least 55k annually that don’t require direct patient care?

Mary is struggling to compare two job offers: one from a large corporation and another from a tiny business. How should she decide? An anonymous caller wants to buy a different home, and convert his current home into a rental. How should he finance this move? Christina recently slayed her debt and put herself on track for financial success. But now she’s bored. How can auto-investing be more exciting? Speaking of debt, Christina shares a creative HACK to SAVE $60,000 in student loan interest payments.  Former financial planner Joe Saul-Sehy and I tackle these four questions in today’s episode. Enjoy! P.S. Got a question? Leave it here. For more information, visit the show notes at https://affordanything.com/episode463 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Mary is struggling to compare two job offers: one from a large corporation and another from a tiny business. How should she decide?An anonymous caller wants to buy a different home, and convert his current home into a rental. How should he finance this move?Christina recently slayed her debt and put herself on track for financial success. But now she’s bored. How can auto-investing be more exciting?Speaking of debt, Christina shares a creative HACK to SAVE $60,000 in student loan interest payments. Former financial planner Joe Saul-Sehy and I tackle these four questions in today’s episode.Enjoy!P.S. Got a question? Leave it <a href="https://affordanything.com/podcast-questions/" rel="nofollow">here</a>.For more information, visit the show notes at <a href="https://affordanything.com/episode463" rel="nofollow">https://affordanything.com/episode463</a> Learn more about your ad choices. Visit <a href="https://podcastchoices.com/adchoices" rel="nofollow">podcastchoices.com/adchoices</a>

Ask Paula: Student Loan Deferment HACK – How Christina Saved $60,000 in Interest

Learn why the Fed paused interest rates. Plus: the Supreme Court's CFPB hearing, NFT prices, and a new GameStop movie.  Join hosts Sean Pyles and Anna Helhoski as they break down the latest headlines in the world of personal finance. They explain the Supreme Court's upcoming hearing on the constitutionality of the Consumer Financial Protection Bureau's funding structure, the risks of investing in "dumb money" like the Powerball lottery and NFTs, and the new movie "Dumb Money," which tells the story of the GameStop stock-buying phenomenon.  They then have an in-depth discussion about the impact of the Federal Reserve's interest rate decisions on the financial lives of Americans. They explain how interest rates work and how they can impact the economy and individual financial lives. They also offer some tips for Americans who are concerned about the impact of rising interest rates.  In their conversation, the Nerds discuss: the Supreme Court, the Consumer Financial Protection Bureau (CFPB), the lottery, NFTs, Dumb Money, GameStop, meme stocks, the Federal Reserve, interest rates, the US economy, credit card interest, inflation, and personal finance news.  To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.  Like what you hear? Please leave us a review and tell a friend.

Learn why the Fed paused interest rates. Plus: the Supreme Court&#39;s CFPB hearing, NFT prices, and a new GameStop movie. Join hosts Sean Pyles and Anna Helhoski as they break down the latest headlines in the world of personal finance. They explain the Supreme Court&#39;s upcoming hearing on the constitutionality of the Consumer Financial Protection Bureau&#39;s funding structure, the risks of investing in &#34;dumb money&#34; like the Powerball lottery and NFTs, and the new movie &#34;Dumb Money,&#34; which tells the story of the GameStop stock-buying phenomenon. They then have an in-depth discussion about the impact of the Federal Reserve&#39;s interest rate decisions on the financial lives of Americans. They explain how interest rates work and how they can impact the economy and individual financial lives. They also offer some tips for Americans who are concerned about the impact of rising interest rates. In their conversation, the Nerds discuss: the Supreme Court, the Consumer Financial Protection Bureau (CFPB), the lottery, NFTs, Dumb Money, GameStop, meme stocks, the Federal Reserve, interest rates, the US economy, credit card interest, inflation, and personal finance news. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email <a href="mailto:podcast&#64;nerdwallet.com" rel="nofollow">podcast&#64;nerdwallet.com</a>. Like what you hear? Please leave us a review and tell a friend.

Why The Fed Paused Interest Rates, The CFPB, and “Dumb Money”

On this episode of DIY Money, Quint and Daniel talk about the benefits of IRAs and whether it makes sense to do a backdoor Roth IRA contribution.

On this episode of DIY Money, Quint and Daniel talk about the benefits of IRAs and whether it makes sense to do a backdoor Roth IRA contribution.

Benefits of Traditional and Roth IRAs

When it comes to economics, there are a bunch of different schools to choose from, but pretty much all of them are focused on boosting growth. Except, that is, for the degrowth movement, which aims to refocus economics away from GDP. As more and more complaints about "late-stage capitalism" seem to be piling up, along with worries about the impact of rampant consumerism on the environment, is this the degrowth movement's time to shine? We speak with Noel King, the co-host of Vox's Today Explained podcast, about her new mini-series exploring discontent with the capitalist model. She explains the intellectual origins of the degrowth movement, why it's getting more attention now, and just what an economy that no longer prioritizes "growth at any cost" might look like.See omnystudio.com/listener for privacy information.

When it comes to economics, there are a bunch of different schools to choose from, but pretty much all of them are focused on boosting growth. Except, that is, for the degrowth movement, which aims to refocus economics away from GDP. As more and more complaints about &#34;late-stage capitalism&#34; seem to be piling up, along with worries about the impact of rampant consumerism on the environment, is this the degrowth movement&#39;s time to shine? We speak with Noel King, the co-host of Vox&#39;s <a href="https://www.vox.com/today-explained-podcast" rel="nofollow">Today Explained podcast</a>, about her new mini-series exploring <a href="https://www.vox.com/2023/9/15/23873898/today-explained-capitalism-economics-books-to-read" rel="nofollow">discontent with the capitalist model</a>. She explains the intellectual origins of the degrowth movement, why it&#39;s getting more attention now, and just what an economy that no longer prioritizes &#34;growth at any cost&#34; might look like.See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

Why the Degrowth Movement Is Having a Moment

In this podcast episode, Robert Kiyosaki and Jay Martin discuss the current state of the economy and the potential risks and opportunities for investors. They emphasize the importance of paying attention to macroeconomic factors and warn about the potential consequences of rising energy prices. They also highlight the risks of holding fiat currency and suggest considering alternative investments like precious metals. The conversation touches on the state of the US government and the stock market, as well as the entrepreneurial nature of the Vancouver Resource Investment Conference. They encourage listeners to seek education and explore opportunities beyond traditional saving methods.-----See important disclosures at masterworks.com/cd-----Please read carefully.This is not financial advice.You may be asking, “what does that mean?”Let me explain…Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions.YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose. We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees. Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations.Take the education we provide but then determine your own actions. If it does not make sense to you, get more education before you invest. We will continue to provide education and there will always be more opportunities.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5712278/advertisement

In this podcast episode, Robert Kiyosaki and Jay Martin discuss the current state of the economy and the potential risks and opportunities for investors. They emphasize the importance of paying attention to macroeconomic factors and warn about the potential consequences of rising energy prices. They also highlight the risks of holding fiat currency and suggest considering alternative investments like precious metals. The conversation touches on the state of the US government and the stock market, as well as the entrepreneurial nature of the Vancouver Resource Investment Conference. They encourage listeners to seek education and explore opportunities beyond traditional saving methods. ----- See important disclosures at masterworks.com/cd ----- Please read carefully. This is not financial advice. You may be asking, “what does that mean?” Let me explain… Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions. YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose. We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees. Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations. Take the education we provide but then determine your own actions. If it does not make sense to you, get more education before you invest. We will continue to provide education and there will always be more opportunities. This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at <a href="https://www.spreaker.com/show/5712278/advertisement" rel="nofollow">https://www.spreaker.com/show/5712278/advertisement</a>

Gold and Silver: The Safest Haven in an Unstable World

#719 Today's guest is one of the first bloggers I followed when I started my online business journey. His content has been absolutely instrumental for me. Now, he's diving into podcasting and has created one of the few shows I subscribe to! Leo Babauta of Zen Habits is here to tell us why starting a podcast in 2023 is still a great idea. He also shares the mindset that has enabled him to stand out in a new medium right from the beginning. This is an inspiring conversation about minimalism and mindfulness in content creation! Leo and I tackle uncertainty and stress head-on and share tools and strategies to keep you moving toward your goals. Fair warning—Some tactics discussed today involve snakes, but we also provide nonvenomous solutions! If your work is meaningful, you're guaranteed to encounter resistance. So listen in to learn how to overcome the obstacles around your purpose and mission! Show notes and more at SmartPassiveIncome.com/session719.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#719 Today&#39;s guest is one of the first bloggers I followed when I started my online business journey. His content has been absolutely instrumental for me. Now, he&#39;s diving into podcasting and has created one of the few shows I subscribe to! Leo Babauta of Zen Habits is here to tell us why starting a podcast in 2023 is still a great idea. He also shares the mindset that has enabled him to stand out in a new medium right from the beginning. This is an inspiring conversation about minimalism and mindfulness in content creation! Leo and I tackle uncertainty and stress head-on and share tools and strategies to keep you moving toward your goals. Fair warning—Some tactics discussed today involve snakes, but we also provide nonvenomous solutions! If your work is meaningful, you&#39;re guaranteed to encounter resistance. So listen in to learn how to overcome the obstacles around your purpose and mission! Show notes and more at <a href="https://www.smartpassiveincome.com/session719" rel="nofollow">SmartPassiveIncome.com/session719</a>.See Privacy Policy at <a href="https://art19.com/privacy" rel="nofollow">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="nofollow">https://art19.com/privacy#do-not-sell-my-info</a>.

SPI 719: Automating Some of Life to Make the Other Parts Even Better with Leo Babauta

All eyes are on yields and oil, but our traders are looking at some other charts that could tell the true tale of what’s in store for the markets. They lay out their cases tonight. Plus a handful of sectors have gotten to technically oversold levels but Fairlead’s Katie Stockton says there are other more attractive areas to watch. Fast Money Disclaimer

All eyes are on yields and oil, but our traders are looking at some other charts that could tell the true tale of what’s in store for the markets. They lay out their cases tonight. Plus a handful of sectors have gotten to technically oversold levels but Fairlead’s Katie Stockton says there are other more attractive areas to watch. <a href="https://www.cnbc.com/fast-money-disclaimer/" rel="nofollow">Fast Money Disclaimer</a>

The Most Important Charts in the Market, and Where One Top Technician Is Seeing Buying Opportunities 9/27/23

Should you be worried about a possible upcoming recession, and how should you prepare your financial strategy?  We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Should you be worried about a possible upcoming recession, and how should you prepare your financial strategy? We&#39;ll walk you through that question and more in today&#39;s Q&amp;A episode! <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources</a> <a href="https://bit.ly/3mxuhIt" rel="nofollow">Reach your goals faster with our products</a> <a href="https://bit.ly/2Y4TqQJ" rel="nofollow">Take the relationship to the next level: become a client</a> <a href="https://bit.ly/3gxyUOH" rel="nofollow">Subscribe on YouTube for early access and go beyond the podcast</a> Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Are We Headed for a Recession?

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How depreciation can help YOU with the upcoming tax season #biggerpockets #realestate #shorts

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Sex works in your #brain just like everything else | Emily Nagoski #shorts

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Micron earnings top estimates, beats on top and bottom lines, issues mixed guidance

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