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UPS Paycheck
- Which paycheck do sign on and relocation bonuses show up in? Company is Google if that makes a difference. Can I move it to a later paycheck till after my 401k is set up? Does Google set up a 401k before my first paycheck? I'd love to avoid giving uncle Sam an interest free loan if possible.
- Income feels meaningless with stock market trending down Does anyone else find it depressing to work for a few months and end up with the same/less money than before due to investments being outsized compared to paychecks? That feeling when your paychecks are just keeping your NW stable? I know it was worse during many periods before—any advice from vete
- vote How much allowance should I give my 5 and 7 year nephews? My sister and her husband are not well off. Two years ago, I started giving $30k a year to them so they didn’t live paycheck to paycheck and $10k each year for each of their kid college fund. Now that their kids are older how much should I give each kid for allowance broken up over a year?
- Claim more dependents on w4? I have been claiming more dependents (actual 2 , claim 6) on w4 so I get more per paycheck( so i can invest it ). Is that a good strategy? I end up owing money when filing returns. Thoughts? #tech #finance #tax
- I messed up. I need help. Hi Blind. This is a serious post. I messed up. I barely have any savings and I live paycheck to paycheck. My TC is 100k. I paid off all my loans. I pay for rent and I end up spending all the extra money on random clothing and toys. I max out my 401k and HSA. I want to invest and grow my money. Wh
- 42% Tax withheld Got my paycheck with the sign on and relocation bonus. Got taxed 42% (22%+, 12%+, 6.2%, 1.4%) flat on the entire amount. Is this normal? So total tax ended up ~31k on a payment of ~83k. I thought the deduction is progressive. Is the withheld amount correct? How much should I expect to be refunded d
- How quickly does Microsoft Match 401k? Say I am putting in 2k per paycheck into pre tax 401k up until the limit. Will they automatically match 1k in it with that paycheck or will i have to wait for them just to match half of what I put in at the end of the year like a true up? #microsoft #microsoftbenefits
- Couples Finance Folks, How do you manage expenses as a couple. How do you save money. How do you grow your money? Both of us work in FAANG and we still live paycheck to paycheck. We max 401k and HSA. No kids. Renting a place. Unable to understand why we are failing in the money department. Also how do folks buy
- vote How do you like to stash your cash? Finally at a place I can actually start padding some emergency funds after living paycheck to paycheck. Only talking like 1-2K a month to start with, but I’m too chickenshit for the stock market the way it is right now. What’s the best way to stash reserve cash you want to access during emergencies
- It's time to say goodbye That's it guys! I put in my 2-week notice earlier today, and will be leaving after getting the bonus paycheck. I'm so fed up with this rat race, and want a different pace of my life. I've had quite a career ride. Coming to the US as a refugee 20+ year ago, I've had to work 60+ hours/week to pay for
- DCU membership discount? Was trying to get the 0.5% discount it offers. I was told by the loan agent that I need to deposit my entire paycheck to their checking, which sounds weird to me - I have several other accounts that I set up direct deposit to maintain. How do they even know I am depositing the entire paycheck or not
- vote Which rent are you willing to pay max? I have always been been living into an apartment with a small rent, never above 20% of my monthly paycheck. Currently I pay my rent around 15% of my paycheck and I’m not including RSU. This year, I want to have an amazing apartment even for a year only. My TC is close to $400K. Up to which monthly
- vote Larger Down Payment to Maximize Back Door Roth IRA? Here're my options: 1) Pay 20% down payment, after which most of my paycheck will go into a mortgage (not including bonus / RSUs) 2) Pay 60% down and free up cash flow so I can make after-tax 401K contributions from my paycheck to then roll over into Roth IRA (mega backdoor) What do you recommend?
- vote Larger Down Payment to Free Up Cash Flow for Mega Backdoor Roth? Here're my options: 1) Pay 20% down payment, after which most of my paycheck will go into a mortgage (not including bonus / RSUs) 2) Pay 60% down and free up cash flow so I can make after-tax 401K contributions from my paycheck to then roll over into Roth IRA (mega backdoor) What do you recommend?
- Who says WA is tax free?? Washington although doesn’t have state tax on your paycheck but there are other taxes. There used to be LNI (labor & industries) tax and starting this year there’s another tax - paid family & medical leave (PFML) that equates to 0.4% of your gross up to $132,900. Not to forget almost everything is t
- What day do Bloomberg employees get paid? I started two weeks ago but did not receive a paycheck today. From my understanding we get paid twice a month (15th and 30th?) so I just wanted to confirm if i should have gotten paid today /should I bring this up with HR?
- Google USA Pay Dates in January 2022? Can anyone at Google provide the dates for US pay checks in January 2022? I am starting in Jan and trying to line up a mortgage and need to tell them when my first paycheck will happen. Thanks. #google
- IBM trying to milk me for a few thousand bucks 🤨 Recently left IBM. Never got my last paycheck, but I wasn’t gonna fight them over a few 🥜. Fast forward a month. I get an email from HR claiming they overpaid me by $2000 on my last check (there was no last check). In order to resolve my “overpaid employee” status, as they put it, I must pay imm
- 401k Contribution Timing Market is usually up / green around 1st and 15th of each month, the time during which we contribute to our 401k from our paycheck and is fcked up mostly for the rest of the week. Has anyone noticed this or my observation wrong?
- Career Advancement Hi, Looking for some career advice to grow up the ladder from both role and paycheck standpoint. YOE: 10 Oracle Hyperion/PBCS / Financial Reporting/ BI TC: $175k Level: Manager Market: Atlanta
- How do I get recover from all this mess? I live in the US for 10 years. All these years I’ve been leasing and living paycheck to paycheck. Within 10 years I spent ~$200k in total on a lease. Freaking nuts!!! Never really invested money anywhere because barely ever have cash left after all the spendings. I have $20k debt on my CC that I sl
- Overcontributing to 401k with job change I am going to be switching to Microsoft next year who does a 50% match on all contributions up to the Microsoft limit. My current employer does a 6% match per paycheck and I'll be getting 2 paychecks from them for 2022. If I keep the 6% contribution at WotC as well as doing the max 2022 contribution
- vote Can someone on H1 work with an employer work as a founder for some other start up without Is this legally allowed? 1. Working with Employer A on W2 making a paycheck and 2. Work with Employer B (start up) as a founder without making any money but funding for the company instead
- 401k maxing out Hello, My spouse started their job after a sabbatical in late Q3 and are now eligible for their 401k. Unfortunately even if they put in their entire paycheck for the last 2 paychecks of the year they can't reach hlthe irs limit. Is there a way to write a check or have extra deduction for the tax s
- Were you happier with less money I remember waking up when I was 25. I only had 50K in the bank, nothing invested in stocks, and my TC was 80K. I had just taken a big long vacation around Europe and felt like the richest person in the world. Not a care in the world. Great friends, great relationship. It was a beautiful summer. I di
- 19k Max For Retirement Contribution Signing up on fidelity for my new company, and it's asking me how much of my paycheck I want to contribute (8%, 10%, 12%). It seems like whatever I choose, it will still go over the 19k max at the end of the year? Do I have this right? TIA
- Can I afford a $3m house? Disclaimer: I think I am extremely poor at finances. Please gutcheck my line of thinking. We like this house (Bay Area) and it costs around 3m. We have a 2 year old toddler. Mortgage: 10500$ Property tax: 3200$ House insurance: 200$? Other expenses: 6000$ (inclusive of everything including 2-3
- Trump's stupid tax cut guts the market At the time the magamorons were claiming it was a great thing to borrow scads of money in order to pay for a fake tax cut, essentially transferring borrowed money to people's paychecks. We all said it would be inflationary. Magamorons were not interested in economics. Well here is the result, infl
- How do I increase my compensation (to save more)? I recently joined Google as an L3 college graduate in October and I was excited to sign $199K for the first year but I'm barely making $2.9 in my bi-monthly paycheck. I need to save up for family reasons but I'm not able to with this base ($131K). How do I increase my compensation/savings in this ex
- Underpaid? In California, 32k a year for Payroll Admin. and Accounts Payable. 11 Years with company. 100 Employees. Lowest paid in entire clerical office of 7 others averaging 80k-120k. Time to look for other job? No degree but have worked my way up with the company and have taken on responsibilities that de
- Bay area - what's your tax return result this year? We end up paying 14k to the bastards - not even sure why, because our paychecks weren't that bloated, and our allowances are also right. We also bought a home and paid a shitton in property tax. Our combined income is 320k just as a note. What are your results this year?
- FSD I just bought the FSD option for 10k for my 2022 model y after Elon said price was going up to 12k. Elon holding tesla owners hostage for their money. If anything he should decrease the price! Now my entire month after tax paycheck goes to this crap. Used to be elon fan but this changes things. E
- i dream of the day im set free im shackled to the floor with my fat bi-weekly paycheck. every so often i cry in my tesla on my way to pick up groceries from target. i always stare blanky at my 60inch tv thinking of the day ill be set free from this cruel cruel life. one day ill be in a camper trailer in san diego forgetting all a
- Contribute more to 401k when the market is down ? Since the market isn’t doing that well is it smarter to contribute more to 401k now ( within the tax exempt limit of $19k) PS - I’m maxing my 401k out already. I’m talking about contributing a higher percentage of your paycheck when the market is down vs when it’s up . Sum total being the same = ta
- Guidance on retirement portfolio? I’m 25 and my savings aren’t that great. Looking to change that. I have about 80k in the bank and like 20k in 401k ( <2YOE). I was unemployed for the majority of last year. Looking for some guidance on making some better retirement decisions. I started a new job recently and haven’t setup 401k y
- Is it normal to be frugal in real life spending but to Invest a lot and forget about it? I find myself often optimizing daily expenses, living pretty frugally and low key. I take the majority of my paychecks and invest them. Some investments have been losers and fluctuated down large percentages. Do you mentally separate out and psychologically treat capital differently? If you invest i
- Capitalism needs to end The fact that me, in my early 20s, cant see a path to supporting kids in the US just shows how bleak prospects will be for everyone else in their 20s. I make 200k and feel dirt poor in the bay. To compound I moved here a couple months ago, know nobody, cant physically meet anyone, and am contemplati
- On H1B want to quit and go on vacation for two months I feel super burned out right now. I just have the desire to quit and go on a 2-3 month long vacation. Have sufficient money saved up to last me for more than a year even if I spend lavishly. The concern is H1B Visa. Any good strategy that can help me do this without loosing my status ? Edit: To
- If I get a job in another state, is my paycheck charging my current state taxes or the state taxes of the job location? So I live in a flyover state and got a job in the bay area during WFH. Should the taxes coming out of my paycheck be applied to the state I’m living in or where the job will be based? I’m expected to move out to Bay Area after WFH/covid passes and offices open up. I noticed on my first paycheck it
- Taxation is theft Made some great moves in the stock market and I’m up 500k this year. Turns out I need to pay quarterly installments of taxes on my gains or I will get an addition 10% added to those taxes so now my whole paycheck is going to pay off taxes. This money just lines the pockets of our useless government
- Colleague getting 12% federal tax, while I'm getting 19% for similar salary Both of us are in Cali, single, just started work in the us (no previous tax filings), same age, F1 VISA My colleague @ Apple 12% federal tax @ 152k base Me 21.5% federal tax at 165 base Disclaimer: Got my signon bonus with my 1st week paycheck => fed tax was higher. But smartasset indicates
- financial advice for a noob I grew up dirt poor. My family basically lived paychecks to paychecks. I was lucky enough to find a job after graduation with decent pay. My goal is to make enough money to buy my mom a house (long term) and take my family out for a vacation yearly (short term). Right now I save ~$1k a month (after
- Is sign-on bonus over two years normal? Got an offer where the sign on bonus is paid up front on the first paycheck but I’ll have to pay back a prorated amount if I leave within 2 years. In other words I pay back 100% of the sign on less X months worked/24 months Is this normal? I’ve only seen 1 year clauses for sign on. Is this somethi
- What happens to Amazon sign-on bonus if you quit early? I have an offer from Amazon with 170K sign-on in Y1 and 130K sign-on in Y2. The recruiter said that it will be paid to me monthly with my paycheck. I’m leaning towards joining Amazon but not super sure about their company culture etc. and want to know what will happen if I end up leaving in less th
- Apple Benefits 1) Health Insurance - Do you pay anything per paycheck for you and your dependents? or 100% premium paid by the company? 2) Do you get any wellness incentives deposited into your HSA account? 3) For 401k company matches only x% up to 6% of your base pay depends on the yoe at the company. Can I con
- vote Living on Selling Cover Calls So I just graduated and live in a super cheap city in the midwest and have some money saved up. What are your thoughts on putting all my current money and future paychecks in the stock market (maybe SPY) then doubling my position with margin and selling cover calls and try to live on the money made
- How can I reduce/avoid Tax in Canada? What options Candian PR has for side gigs? Moved to Canada from US two months ago. I cried when my first paycheck came and the rent I pay in Canada. Honestly, I miss US for the quality of life, paycheck and the friends I left behind. When I was on H1B, I could not think of anything else other than corporate jobs. I guess all immigrants in US
- How do compensations /salary bumps work in big corporations like Microsoft? Microsoft is a huge giant, hiring 1000s of employees daily and bumping salary of 100K+ folks every so often. Curious to understand does the seed money come from? Starting up top the compensation budget must be in the order of 10s of millions of $$. Does it come from Satya’s paycheck or do they sell
- Payroll mistake after just starting Just started a new job (won’t say where). Anyway my first paycheck finally came in and was a bit more than I expected. Another check just came for three times that amount too. Total amount adding up to 10% of my annual base. Clearly a mistake. Any advice on what should I do? Has this ever happened
- 30 Years old and nothing to show for it... No cash in bank in the bank at all, No house and not successful in my career which causes stress about work. Barely enough money in my 401k to allow me to survive for 6 months if I end up jobless. Not living lavish or beyond my means. The 30k I made in the stock market was lost in crypto - fml. I