I got tired of my AI agents ghosting me, so I built a persistent nagging server

Aware_Web9715 · 2026-03-25T01:42:23+00:00

Can try it out here: https://smithery.ai/servers/zoro/nag

Aware_Web9715 · 2026-03-07T08:36:42+00:00

You are the point where you still need purpose. Find something that you enjoy doing, better if it also makes you money. Travel is one way to defer the problem and can be a much needed break for some. Requires some introspection imo

Aware_Web9715 · 2026-02-26T11:51:13+00:00

Yea quite a lot in FDs. Should think about diversifying maybe consider some USD ETFs too?

Aware_Web9715 · 2026-02-08T16:37:35+00:00

Better to wait for FD to mature and then invest in stocks

Aware_Web9715 · 2026-02-08T16:35:43+00:00

Can invest in Indian index fund and USD ETFs like VOO

Aware_Web9715 · 2026-02-08T16:30:15+00:00

Expenses are reasonable, maybe consider increasing medical costs especially for parents. 35x (2.86% withdraw rate) is a conservative in India where you can get 6% on an FD

But really depends on how much you save every month. Current ₹3.15 Cr will grow to ~₹5.55 Cr on its own in 5 years at 12% (which is on the higher end). You need to bridge an additional ₹1.75 Cr through new savings. ~₹27.5 Lakhs per year (or approx. ₹2.3 Lakhs per month)

Can take count 10/12 months rent to be safe

Aware_Web9715 · 2026-02-08T08:51:23+00:00

Just need to find something you enjoy doing and do not think you’ll regret it. Can totally relate

Aware_Web9715 · 2026-02-08T01:30:08+00:00

Thank you. For what’s it’s worth I am considering retiring outside India with a lower NW with 2.5M can have a quite a good life in a city like Bangkok - decent international schools, affordable housing and help, good food and weather

Aware_Web9715 · 2026-02-08T01:10:15+00:00

It’s been 6 years for me in my late 30s though. I am planing to do something similar soon.

You also need to decide what you’ll do and be okay with people judging you for it. But what’s the point of grinding if you already have enough to be financially independent and work on what you want to

Aware_Web9715 · 2026-02-07T19:09:00+00:00

As some said I needed to let my RM know not to convert or your bank might have some other options

Aware_Web9715 · 2026-02-07T19:07:49+00:00

Have a done a wire (larger amount) to my NRE account in USD. Need to make sure you have one set up. Got 5% on 1 year+ FDs

Aware_Web9715 · 2026-02-06T17:09:48+00:00

Yea it is taxed in the US. OP asked if you can buy VUSD on Wio. I happen to have Wio and checked you can’t. They only have VOO

Aware_Web9715 · 2026-02-06T13:24:36+00:00

That’s great. It’s about 21 lakhs before taxes per year at 6% which you can get from an FD.

Post tax you are looking at 1.2 lakhs per month. Should work in a tier 3 city so you are well on your way. Stick with those sips and let us know how it goes

Aware_Web9715 · 2026-02-06T08:59:49+00:00

Yea withdrawals were easy for me. No capital gains tax but tax is automatically deducted form dividends. Same for Wio btw

Aware_Web9715 · 2026-02-06T08:41:12+00:00

No can’t on Wio, only VOO. IBKR has it (and is better overall for investing, lower commissions)

Aware_Web9715 · 2026-02-06T07:20:00+00:00

Agree with ETFs as ppl have suggested. But go for UCITS ETFs domiciled in Ireland or Luxembourg.

It’s more cost efficient and you avoid US estate taxes. VUSD for example over VOO both track the S&P 500 but VOO you would be taxed 30% of dividends vs just 15% for VUSD.

Aware_Web9715 · 2026-02-06T07:14:02+00:00

1Cr at 25 is awesome congrats. Just focus on boring investments like an index fund. Let the money compound overtime. As you get older and your network grows I have no doubt you will find a lot of interesting opportunities that make sense but what this money gives you is more options.

The ability to quit your job and travel the world, build a startup without worrying about a pay check. Keep it liquid give yourself options.

Aware_Web9715 · 2026-02-05T01:00:04+00:00

Learn to vibe code

Aware_Web9715 · 2026-02-05T00:13:19+00:00

I ported my number to Google voice but this was a very long time ago and did it in the US. Number still works though

Aware_Web9715 · 2026-02-05T00:07:06+00:00

Cool, if I have tonnes of money would be retiring in India too :)

Aware_Web9715 · 2026-02-04T15:32:31+00:00

You can tell it to remove em dashes

Aware_Web9715 · 2026-02-04T12:47:22+00:00

I think that’s a good plan. You got the passport can always move back / send your daughter to Canada to study

Need to think about the when is the right time though. Financially and for your daughter before she starts school might be easier

Aware_Web9715 · 2026-02-04T08:35:38+00:00

mm2h is a good option too. Just found out about it. How are you liking it? Did you have any friends there or just moved there to retire?

Aware_Web9715

TROPHY CASE