u/Nice_Ambition_2861

EDIT: I’ve been persuaded and transferred my account to Robinhood

Hello I have an offer in my Robinhood app and I am considering moving from fidelity to them as I would get 3% on 126k, which to me is definitely a good amount. Any downsides to doing this aside from having to be with them for 5 years? Do I need Robinhood gold the whole 5years to maintain this bonus, or even at all?

Thank you

Hello I am 25 years old , I have about 210k invested across a bogle head style portfolio (minus the bonds). So mainly VT and its equivalent funds. 123k is in taxable brokerage and the rest is spread almost equally between 401k and Roth IRA. I contribute about 5100 monthly to investments , this includes pre and post tax contributions and employer match.

My question today is, and I know this will sound really dumb but, for example if I were to liquidate my entire taxable account, and purchase 14 call options on AMD with a 490 strike, expiration 1/15/27 that would cost me about 121k or so. But wouldn’t there be enough time that say AMD in the next 3 weeks returns to its ATH of like 550 or whatever it was, I’d be in profit about 3.5k per contract, so essentially 49k profit. I understand risk and this is mainly theoretical statement, but it just seems so worth it to me because there’s so much time in this exact scenario. I’ve never traded options seriously because I’m scared to use a lot of capital, but I feel like if you have 100k to throw at an option it might be worth it?

I know i will probably get roasted for this post but I just want to hear others opinions on this. Thanks

I am 25, work at a hospital currently 40 hrs a week and make 121k salary, upstate ny. The job is a balance of not doing much at all, to sometimes being very chaotic between all the responsibilities i have. Commute is 22 mins one way, but I still live with my parents(I help pay their bills monthly). I have been at this job for 2.5 years.

Theres an opportunity for a remote job in clinical research that will pay about 90-95k salary. But it is fully remote, something I think I want to try because of the freedom aspect. I tend to travel a good amount epically during the summer and I think it would be cool to have the flexibility. I enjoy my current job but sometimes wish I could work from anywhere essentially.

Would I be stupid to do this due to the pay cut? I max my 401k and Roth IRA and heavily invest in my taxable brokerage(hence why I choose to live at home still) I know with the remote job I will have to significantly reduce my taxable brokerage contributions to maintain a similar lifestyle to what I have now . What do you think ?

25 M
215,775 net worth as of today. 15.6k in HYSA, the rest in investments (taxable brokerage/401k/roth Ira)

I max 401k and Roth IRA, 750 biweekly to taxable, 500 to HYSA biweekly)

I plan on buying a home before the age of 30, but probably 2-4 years from now . Should I adjust my contributions? My plan is to build a decent down payment just in the HYSA as cash, instead of taking from my taxable brokerage, but that account is my highest with around 120k in there.

Would you adjust anything? Should I stop contribution to myHYSA and redirect it to my brokerage since I have 6 months of expenses covered . Thanks

Hello , I am 25 M . I currently work in healthcare(medical imaging) and make around 120k per year at a community hospital . The job is decent but it can be high stress because I’m basically solo in my department and handle alot of different tasks from patient to administrative etc. I’ve gained some good experience and want to apply for a role at a large health tech company that is fully remote and is basically clinical support for exactly what I do in my job today. It seems like a good work life balance but the pay is much less , it’s stated 70-105k for the range. I will say the benefits package at this company is much stronger with a lot of PTO, better medical dental and 401k match, etc.

Luckily I have been investing pretty heavily throughout my 2.5 years of working so far, I am currently at 213k net worth , including 15k student loan debt. If the opportunity came to try this new job at say 80-85k salary, would I be dumb to take the pay cut for the potential better work / life balance it may bring? Considering how much I have been able to save and invest, can I afford to make this change. I’m not fully burnt out or anything, but a change like this one sounds pretty enticing .

If anyone has done something similar I’d love to hear from you. Thanks!