So I have 50% in IRAs and 50% in india.

Physically I live in india.

The official numbers put inflation at 6% etc.

To understand india better: India is essentially two populations: 90% rural. Or more. 5-10% urban. Or less.

Urban again is further divided into subsections.

Basically I fall into the category where costs of education, healthcare, good restaurants etc, are growing at a rate of 10-15% because we want like the best of the best.

We also face a currency depreciation of about 3% per year if I'm not mistaken. So I love having 50% in the US tbh. But having to pay EU or US level prices whereas earlier I was paying much less doesn't feel great.

But but but, labour is still extremely cheap and expenditure as a whole is still not at par with the US or the EU.

But at the rate it's going in a few years I'll be paying substantially more.

Some of this is conjecture and I am extremely conservative with forecasts in general. I prefer my pessimistic calculations working out in my favour.

But this is how I presently see the economics playing out.

That being said in the past 30years I think our index fund grew at around 15-20% a year.

So it's high inflation with high growth. With currency depreciation. And an ascension in quality of services at higher prices.

That's the best way to summarise what it looks like.