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Apple Retirement
- vote What companies do you consider 'retirement homes' for engineers? Which companies have the 'rest and vest' lifestyle and mentality? #engineering #software #swe #retirement #restandvest #faang #facebook #amazon #apple #netflix #google #microsoft
- Work life at Apple. How is the work life balance at Apple Seattle? Is it a retiring company or do you think I need to make a move again in few years? Org is AMP. TC:165k #apple
- vote Google or Apple offers Blind tax: 161k I care about benefits like 401k,hsa, healthcare and wlb. Don’t care about the free food or clout. Google l3: with lowball base Base 115k Stock: 180k Sign on: 5k Apple ict4 Base 170k Stock 130k Sign on 45k In terms of jobs they are the same. Internal tools teams. I get the level
- Timeline To Exit Apple Started Apple with $160k RSU and 6 months already.. Goal is to achieve $500k in stocks before leaving Apple. How long will I need o stay to acquire up to $500k in stocks? After Apple, plan is to explore another option with stocks potential. Planning retirement in 10 years, with $1.5M in stocks....
- Is it silly not to sell covered call to generate income? Let's say if we are holding onto $100,000 worth of Apple or Google stocks, if we sell call options (covered call) and get some income, for a strike price that is not quite possible to reach, we can get $3000 to $4000 each year. Or, let's say if we some day has $1 million worth of Apple or Google st
- link Mega backdoor Roth on employer change "IRS does NOT limit match, after-tax 401(k) or total 401(k) contribution across ALL employers. The IRS only limits you to $57,000 within EACH employer 401(k) plan." Is this correct? I was at Apple before and I moved to FB this week. Source: https://www.irs.gov/retirement-plans/plan-participant-emp
- Long term plan? Many of the threads here are discussions about jumping between the same companies over and over (FB, Google, Uber, Apple, Amazon, etc). I'm curious what the long term strategy for most devs here. Just keep bouncing until retirement? Save enough cash then build a startup? Retire early? Or just wing
- Empower 401k What are the best funds to choose from for my apple 401 k from empower retirement there is not a lot of good options from them so I’m just looks to see what everybody else suggest
- Walt Mossberg What's your opinion on Walt? He's brought us a ton of great editorial work over the last 2 decades and is now retiring. Personally I felt he was always a little too much pro Apple but really enjoyed his writing.
- Long term buys for retirement account I just realized I have about 15k cash in my retirement account. I bought 5k of baba already, is fb still a buy? Goog? I might be low on tech, I only have arkk, apple and qqq and maybe Disney if you consider that tech
- vote Will I ever FIRE I saw a post about an Apple employee FIREd and retired at age 44 with 11M net worth, he said he had around 450K 10 years ago. I am 29 with 325K Net Worth. Do you think I have a chance to fire by 45? TC: 340K (this is new) last year was around 160K YOE: 4 years post Masters
- What accelerated / unblocked your career significantly? Folks, Likely all of us are pursuing professional careers but only some find a fulfilling career where joy and money goes hand in hand. For many it is just being caught in a golden cage: You don’t like it but at least it’s shiny :) - However, others have found their total fulfillment, make up the l
- Too much money, now what? For the longest time I worked on the Bay Area and could never afford a house. I’m 28 so it always seemed out of reach Now that I joined Apple and moved to San Diego I can afford any house I want and will be able to retire in 4 years. So what do I do with money now that my financial goals and finan
- Attrition in Apple and Google HW teams? I am very curious to know if there is ANY non-insignificant amount of attrition that happens at Apple and Google (annually or ever)? Some of the reasons I can think of are - bad wlb (applies only to apple): But I see people getting used to it - bad TC: Impossible! - better TC from other companies: t
- Best FAANG / company to retire? I've heard some good things about Google / Apple as very amazing retirement companies. They don't have an ageism factor as long as you're performing well. What are your thoughts? Which company do you recommend as being your "last" job? TC: 35 Lakhs YOE: 3
- Are people really going to RTO at Apple? After 2 years of spending time with my kids, family, working out regularly and genuinely enjoying life; why would I return to Apple so my manager can stare at me while I work 3 days a week? My managers get so hard talking about RTO but I never want to see another colleague again in my life. I have
- Ideal expectations from 6 YoE developer India specific post. Hi community, looking to start studying for a switch. Please share ideal retirement company as per your opinion at my YoE, expected salary at my YoE and link to your prefered study material for my experience. TC: 40 YoE: 6 My answer: Microsoft/60/Blind75 #flipkart #linkedin
- Jobs for 53 Year Old Dad — Former Business Analyst My dad got laid off from Amway last year as a Business Analyst (TC of $110K) and decided to retire early. My grandma apparently bought like 1000 share of Apple in 1937, so he’s been living off her retirement. Now he’s considering getting back into the workforce, but since he’s an old boomer, he’s
- How to invest 450k(IRA + savings)? We wanted to buy a house in Seattle. But blind suggested not (for people who will move out in 4 years). Now what? This is our retirement money too. So can’t lose it all. I need to play safe but keep money at work. Currently it’s mostly in cash. #Amazon #microsoft #google #apple #facebook #personalf
- Ticketing Tracking tools in Amazon vs Apple So Apple is investing a lot in ticketing/issue tracking tools. They have built some of those internally. They have Radar, Fogbugz & now Wrike. Whereas here in Amazon, we have some crappy early 90s tools like SIM and TT (which is now retiring). I wonder how do these two tech companies think differe
- vote 401K - invest in index funds or individual stocks? All, my employer provides Brokerage Link feature from fidelity which allows me to invest my 401k contributions into individual stocks as well. What would you do if you were allow to invest in any individual stocks you want in your retirement account? I am well aware of difference between investing
- Where to go after FAANG? Interned at Apple, starting soon as FTE (L3) at Google, not interested in working at Facebook or Amazon. I'm in a (sort of) niche field and I'm not sure my total compensation can get any higher than at Google (especially later at L5). What's the endgame here except for early retirement and / or fo
- Should I go all out on index funds? I’m quite new and never invested in the stock market before. I’ve saved up emergency fund for 6 months (rent+food+expenses). Should I put all my savings from next month into index funds? I researched a bit about S&P500, and want to invest in that. I know the returns are not that great, but want to
- Which tech company offers mega backdoor Roth 401k? I come to realize how it can greatly impact retirement savings amount whether or not your 401k has support for mega backdoor Roth. More specifically, the plan needs to have the following feature: - After-tax contribution up to 57k per year. - In-service withdrawal to Roth IRA. Below is a list of c
- vote MANGA vs finance Getting bored at Meta, the stock price doesn't help so started looking around. Google is a retirement club with shit TC, Amazon was never an option, Netflix is saturated, Apple doesn't pay too well. How is finance for a SWE? I am not willing to decrease liquid TC so startups with paper money are no
- Deferred compensation plan Any one know any big tech provide deferred compensation plan? I know MSFT has one for 67+. How about fb google apple amzn netflix or any other? Especially those available for mid management level which I may have a chance, not the c-level which I can not reach 🤣 Besides ISO from startup, deferre
- Best strategy to update current holdings Currently holding a good chunk of Apple stocks in Fidelity that was 401k money. Thinking of selling all of them soon, and reinvest to retirement fund, eg. Fidelity Freedom 20xxK. What are some low risk strategies? Cashing out and reinvesting all at once seems risky. What about dollar-cost averaging?
- Are unvested RSU just paper money? When I moved to Apple, they more than coverd up for unvested RSUs from my previous employer and I do see that people moving out to any of the other big 4s get grants exceeding their unvested. Also, you relinquish all of it when you retire. So is it all just paper money? Seems like it’s not really a
- Which tech companies offer mega backdoor Roth 401(k)? Some 401(k) plans allow after tax contributions and support in-plan rollovers of up to $37500 on top of the standard $19500 traditional/Roth. We have these at Uber, and I know Google has them as well. Where else? EDIT: Summary so far: Uber - 45% of base Lyft Netflix Facebook Google Apple - 20% o
- vote Would breaking up the big tech monopolies be better or worst for engineers? From the perspective of compensation and quality of work for engineers, would breaking up the big tech monopolies (Google, Facebook, Amazon, Microsoft, Apple, etc) be better or worst for us? My view is that it would drastically increase compensation but decrease quality of life because of the incre
- Does this move to India make sense ? I have planned to move to India early 2023. We are a family of 4. This is my current state of finances: US: 401k + IRA - 530k Taxable brokerage (index funds) - 325k College fund - 15k Apple stock - 140k Google stock - 35k Other stocks - 105k Cash - 110k Other assets - 30k Total - 1.3m US home:
- How much to FIRE in India with two kids I am currently working in the US, have saved up 1.6MM USD (mostly due to TC and AAPL growth, wife's assets not included). Planning to semi-retire around 35 (currently 29), hopefully with ~3MM. Currently have one kid, planning to have one more. Is 3MM USD (about 22 crore) a good amount for comfortab
- Apple vs Google Have offers around 400k from both. But holy shit, from Blind I got impression that Google is some kind of promised land in terms of benefits. But I visited Apple park and it's like x1000 times better than Google's moffet place - Spaceship is basically just huge park with some offices inside. Food in
- Next Steps in Career and Investment Advice In a couple months I'll graduate with a masters, and start a role as a hardware engineer at Apple. This has been something I’ve dreamed of my entire life so it feels unreal that I actually landed the job. I'll be living in San Francisco and am aiming for the cheapest rent I can get. Over the past fe
- When is it going to be time to flee seattle Just curious on people’s thoughts? I’ve got about 1.5M net worth. 10-20 years before retirement. Homelessness. Broken local government. Traffic. Hyper growth (Hi Apple). At some points these are going to line up with a tech recession and the bottom will fall out. I think about moving some place s
- Gifting stock to retired parents to avoid tax I have accumulated ton of RSU, some with a low cost basis. With Apple at all time highs, I want to sell a substantial amount, but want to avoid paying crazy taxes (especially since I am a resident of Socialist Republic of California). Can I gift my stock to my father (retired, low tax bracket, not i
- Best chill companies for Engineering Managers with good TC Currently an EM2 (not a Sr EM, i.e., not managing managers, equivalent to ICT5) at Apple. Looking for a change as I do not see myself growing at Apple, not super excited to RTO and my wlb is pretty bad. Have a few companies I am interviewing with: LinkedIn: onsite done, expecting an offer. My recr
- 100k in IRA account : investment Have 100k in IRA account rolled over from previous employer. Thought of keeping 50% in SPY, VOO, VTI, QQQ etc remaining 50% in tech stocks like google Amazon Apple msft nvda Tesla. Any suggestions?? Want the money for long term like 10 years or may be for retirement. Thanks for responses. I am
- vote NVIDIA offer vs. AMD NV IC4 in Bay: Base 220 RSU 330/4 Sign on 25 TC 303 Job is manufacturing-related. The team seems to be good, so lots of very experienced folks. Feels like a good place to stay/grow until retirement. AMD SMTS in Austin: Base+bonus 220 RSU 160/4 Sign on 30+40 post-tax relo TC 260 The role and the tea
- SWE with ~20 YOE and loves being L5 (senior software engineer) I have about 20 years of experience as a software engineer. In my career, I held many different roles in several companies ranging from small early stage startups to large established corporations. I’ve been coding since I was a kid. I love coding and am excited doing it even now in my 40s. In the
- link Acronyms on Blind (for newbies) Please add and keep it clean for others. My TC: $250k YOE: 4 TC = total compensation TC or GTFO = TC or get the f*%k out LC = leetcode YOE = years of experience RSU = restricted stock units FAANG = Facebook Amazon Apple Netflix Google SDE/SWE/etc = software engineer Levels.fyi = site to find
- Competing with a coworker for promotion.. I am not impacted my friend is... My friend has been with say apple for 9 years now and she and her boss are in good terms.. a new team member joins and she doesn’t know much so my friend trains her and as well as others as a part of her job.. My friends boss relies heavily on my her for lot of de
- Retirement as a software dev in reality? Everyone asserts there are few 50+ ppl at big software companies, newer startups, etc (google, ms, amazon, fb, apple, now uber, airbnb, etc). Some of those companies have been around long enough to have employees get to that age already. So, what actually tends to happen in ‘early dev retirement’?
- vote Moving ahead in Hardware career Immigrant . Been doing Physical design mostly Feel stuck and saturated , what should I do now? Pour your comments , looking for some serious suggestions. Is semiconductor industry nearing saturation ? With many PD jobs moving to low cost centers and general difficulty to get to an executive positi
- Blind lingo .. I’ve been on blind for about 3 months and I see a lot of acronyms .. just starting this thread to list as many as possible .. Update: TC 300k (I got the GTFO.. see below) (Updated based on comments) TC: total compensation FAANG: Facebook, Apple, Amazon, Netflix, Google Faamgmula- FAANG + Microso
- How do I stop feeling hopeless and purposeless even with high TC I don't know what's gotten into me lately or the last year. I just feel really down and hopeless and purposeless. I have the money to buy a new house, new car, travel, and give it a few more years left and I can maybe retire. But my question is why do I feel like this pursuit of getting higher TC ha
- link WLB Survey Results So I did a crowd survey of how many hours people are working per week (counting meeting hours, social hours and such). Here are the results of a couple companies. The survey is here: https://us.teamblind.com/s/F1P3fSSt How to read: <company_name> (number_of_answers) Few things to note: 1.
- After reaching FAANG, I think I’ve lost the plot. I’m almost 25, I’ve spent a few years between Apple and Google. I’ve been fortunate, today my total net worth is reaching $400k and I am an L4 who will attempt L5 promo next year. But I can’t help but feel like it’s not enough. When I was a teen I dreamt of being a billionaire startup founder, hav
- Deeper meaning to “Anxiety attacks after socializing with rich friends 😥” IMHO.. 7 years back I was in an elevator in a big shopping mall which was newly opened at that time in Chennai. There were two families. One well dressed with a small boy and has shopping cart full of toys, goodies, stuffs.. another family who were dressed very normal with a small boy carrying a tot
- Is it worth it? Hi All, Very nervous about posting this and been on Blind for quite some time before I've been able to share my situation. I may be somewhat vague so that I cannot be identified. I work for this company part-time salaried and make a decent amount - 60K however I am also a Senior Engineer at the fe