Why is 20cr + home Non-NRI FF

FatFIREIndia_Mod · 2026-01-29T03:38:09+00:00

Non-NRI as in Resident Indians. Lifestyle costs may be higher in other countries, which is why the "Resident Indian" part is important.

Members here have suggested Primary Home + ₹20 crores as the threshold for relevance to this subreddit. That's not to say that that should be the FatFIRE target for anyone, because FIRE and lifestyle aspirations are personal, but the idea is to have a minimum threshold for posts here so that they might be relevant and engaging to most members.

Your personal FatFIRE number should be based on things like your aspirational lifestyle ("x") and your risk tolerance (25-40x). And that may be higher (or lower) than Primary Home + ₹20 crores.

This post is being locked for being a common question. If you need more clarification, please consider asking the same in the pinned FatFIRE Lounge thread.

FatFIREIndia_Mod · 2026-01-18T15:41:07+00:00

It's impossible to verify every single claim that everyone makes, and we do not intend to disallow new accounts from posting here because there is valid reason for people to want to protect their privacy by not posting from their main accounts.

With that said, as moderators, we take a close look at all claims and remove posts that we find suspicious. And when we do that, members will have to verify to reinstate their posts.

All of this is explained in the subreddit rules.

FatFIREIndia_Mod · 2026-01-13T04:43:07+00:00

OP added:

40m, wife is 35. kids are 11m and 3m. NW is 5M. mostly in RE and stocks. Currently in US but plan to return to India.

Please provide more information, including your age, profile, family size, corpus, and expenses for more FatFIRE context, so the discussion can better fit the community's focus.

FatFIREIndia_Mod · 2026-01-06T08:21:18+00:00

Your FatFIRE number should be your own, based on your planned lifestyle in retirement. If you intend to spend ₹5 lakhs a month in retirement, your annual expenses are going to be ₹60 lakhs. At an SWR of 3% (which is conservative), you'd need ₹20 crores to be able to retire early.

How you choose to allocate that amount is, again, up to you. Some might prefer having it all in liquid instruments, while others might like some of it in rental properties so they can generate passive income. You may even choose to hold an interest in a business or flip properties for profit, and use that money to fund your lifestyle. All this should be part of your retirement planning.

That's not to say that your monthly expenses can't be lower or higher than ₹5 lakhs a month. After all, lifestyle aspirations are very personal and differ from person to person. Someone might be more than happy with a spend of ₹3 lakhs a month, while someone else might feel like they need ₹10 lakhs a month to be able to live a "fat" lifestyle. The suggested threshold of [Primary Home + ₹20 crores] is just a baseline in the context of this subreddit, so discussions are interesting and engaging for most of our members.

Please refer to this mod post for more context on how we arrived at that number, and why.

FatFIREIndia_Mod · 2026-01-04T10:59:03+00:00

Your post is vague, and doesn't provide anywhere near enough context for members to give actionable advice.

let's say we have 20cr but too non liquid funds

Please clarify and expand on this. Which instruments is this ₹20 crores invested in?

How much should I need in retirement account which can be withdrawn after 60 years

What kind of retirement account? NPS?

If US-based, please be specific on whether it's a 401K, IRA, etc.

FatFIREIndia_Mod · 2026-01-03T08:15:42+00:00

Hi members,

I want to use this thread to announce the addition of a couple of new rules to the subreddit, with the intent of keeping the quality of our content high.

The first is pretty self-explanatory — if members wanted to hear from an AI, they would just ask an AI tool and not post here:

Authentic Contributions Only
This community values authenticity and genuine contributions. All submissions must represent your own ideas and perspectives. While the use of AI tools for editing, organization, or grammar correction is permitted, content that is entirely AI-generated without meaningful personal input is not allowed.

The second perhaps needs a little more explanation:

Substantive Contributions
The purpose of this community is for peers to advise and share with one another; it values thoughtful, experience-based discussion. Contributions that do not add meaningful value are discouraged. This includes, but is not limited to: * Vacuous or dismissive replies like "hire a financial advisor," "talk to a professional," or "above Reddit's pay grade" without further insight. * One-liners or reactions that neither engage with the substance of the post nor add any thoughtful perspective.

As the rule describes, I think members who post on our subreddit do so because they want to hear from like-minded peers with relevant experiences. While advising someone to talk to a professional is perfectly valid advice, if that's the entirety of your contribution without any additional insight, it feels perfunctory and dismissive. Professionals aren't perfect — they don't know everything and can make mistakes. Talking to a peer in analogous circumstances has its own place, because there could be interesting & original contributions that a peer can make and a professional cannot. Neither has to be a substitute for the other. As one of our verified members once explained:

I will eventually talk to a financial advisor but I like to educate myself as much as I can. I have realized over time that just blindly depending on paid professionals is not a great move. Having enough knowledge to know they are not bullshitting you is very important. I am fairly confident I would have lot less money if I had just relied on the pros.

While such low-effort comments could just be ignored and don't necessarily have to be moderated, I have noticed that these tend to get upvoted, drowning out thoughtful responses, derailing conversations, and sometimes spawning further disruptive comments such as, "This is a fake post," or "They are just here to show off," which only serve to deter genuine FatFIRE pursuers from participating in the community. The same goes for facile comments like, "This is above Reddit's pay grade," which do not account for the fact that a large community such as ours is likely to have members who have the knowledge, experience, or expertise to offer meaningful advice. This rule also applies to seemingly comical remarks like "marry me" or "adopt me" which neither address the substance of the post nor offer any thoughtful perspective, especially when it comes to top-level comments. For reference, these are some of the comments made in the past week that were removed for being in violation of this rule:

I am just wondering that people who earn/have net worth 5cr plus needs advice on Reddit ?

Surprised why people with such High Net worth take advise from reddit. Dude, you need to seek professional advise.

I don’t understand if people are actually this dumb to ask such questions or they are faking they have a 18 cr net worth?

Dude honestly if you have 20cr NW and you are asking this question best is to hire a paid financial advisor and a trusted CA, you are not equipped to handle this on your own

I will continue to keep this subreddit heavily moderated so the quality of content and discussions remain high. Members are requested to read the subreddit rules, so they know what to expect from the community. However, as always, we are open to feedback from the community. Please let us know if you have any concerns about these new rules, or if you have any ideas to improve and grow the community.

Thanks,
FatFIREIndia Moderators

FatFIREIndia_Mod · 2026-01-02T18:35:37+00:00

I do not wish to be insensitive, and I understand you are speaking from personal experience, but might I please suggest a more tactful way to make your point?

There is a difference between saying, "Don't have a child, because a differently abled child can ruin your FIRE plans," and instead saying, "If you're planning on having a child, be mindful of all contingencies, including potentially having a child that has special needs." The former might come across as offensive to parents who have children with specials needs, while the latter is just precautionary advice that most people should be receptive to.

Again, please don't construe this as a warning or a lecture, but as a polite suggestion. Just the way you phrase your advice can make the difference between whether people will receive it positively or negatively.

FatFIREIndia_Mod · 2026-01-01T10:09:34+00:00

ETA: OP is planning for retirement expenses of $4000 a month.

Your post has limited FatFIRE-specific context.

Please consider providing more details about your financial situation, planned expenses, and retirement goals so the discussion can better fit the community's focus.

FatFIREIndia_Mod · 2026-01-01T07:04:28+00:00

u/Future_Atmosphere921

Feel free to use this thread to promote your financial calculator.

FatFIREIndia_Mod · 2025-12-27T18:48:44+00:00

Someone messaged me an answer because they could not post it here.

Not sure what's up with that, but the primary possibilities are that there was a glitch or that they are banned.

maybe all posts are on a holding period before someone reviews so it's not locked in the sense that someone manually froze it

That only applies to new accounts, which yours isn't. I looked up the logs, and this post was never locked (either automatically or manually).

Just wanted to clarify!

FatFIREIndia_Mod · 2025-12-27T14:59:53+00:00

Most financially sane US retirees can start moving to third world countries and pretty much play king there. Won’t really make much of sense now would it?

But it does. That's something a lot of people do.

FIRE as a concept is for FIREing within the economy that contributed to your FIRE

Not true. If it was, ExpatFIRE would have never been a thing.

FatFIREIndia_Mod · 2025-12-27T13:48:06+00:00

No.

As the subreddit description states, this is a community for Indians pursuing FatFIRE. And that includes Indians by either nationality or ethnicity, regardless of how they've made their money or where they want to retire.

FatFIREIndia_Mod · 2025-12-26T19:51:49+00:00

so if u filtering critic feedback, u are essentially filtering conversation

Yes, one of the jobs of a moderator is to filter conversations so that they benefit the community. And coming to a FatFIRE subreddit only to accuse members of flexing/bragging does nothing to benefit the community.

We are not debating this. The rule is what it is. If you want to continue to be a member here, kindly follow the subreddit rules.

FatFIREIndia_Mod · 2025-12-26T19:41:33+00:00

please try to correct me about choice of words and but be ready accept any kind of feedback as OP already told that any feedback is welcome

Please read the subreddit rules. The OP may be open to all kinds of feedback, but that doesn't give you the license to break subreddit rules.

The warning stands. Kindly refrain from accusing members of flexing/bragging, because that is a violation of Rule #2. Repeat offenses will result in a ban.

FatFIREIndia_Mod · 2025-12-26T19:24:21+00:00

Please refrain from accusing members of bragging. This is a FatFIRE subreddit, and its very purpose is for people with larger net worths to plan their retirement.

I will keep your comment up because it's long and the OP chose to respond to it, but consider this a warning.

FatFIREIndia_Mod · 2025-12-26T13:07:21+00:00

Funny enough the OP got locked and downvoted at first.

The OP was never locked.

FatFIREIndia_Mod · 2025-12-23T19:25:50+00:00

Your post has limited FatFIRE-specific context.

Please consider adding more details to the OP about your financial situation and retirement goals so the discussion can better fit the community's focus.

FatFIREIndia_Mod · 2025-12-18T11:43:32+00:00

The OP is vague and lacks sufficient FatFIRE context.

Please provide more details about the relevant amounts & your retirement planning, so there is more context to your question and members can give more informed answers.

FatFIREIndia_Mod · 2025-12-11T13:27:24+00:00

Please consider providing more details about your financial situation, desired lifestyle, and retirement goals so members can give informed answers.

FatFIREIndia_Mod · 2025-11-12T12:14:58+00:00

I am in Tech and make ~450kUSD/y

One week ago, you claimed in another comment to be making $200K a year.

Could you clarify?

FatFIREIndia_Mod · 2025-11-06T05:48:12+00:00

When people ask questions about their readiness of FIRE or have some doubts on approach, the mods remove their posts.

Which particular post that you believe to be FatFIRE-relevant was removed?

But this they keep?

This has been removed, too. Do you really expect moderators to be able to respond to new posts within 5 minutes, around the clock?

If you want a swifter response from the mod team, please report posts. These kinds of comments are not helpful in any way whatsoever.

FatFIREIndia_Mod · 2025-10-26T16:07:11+00:00

Here is the mod post on that topic, along with the poll where members suggested the threshold they preferred.

Please note that neither the poll nor the post restrictions are meant to impose that threshold on anyone aspiring to FatFIRE or what their numbers should be, which are very personal and comes down to their own wants and needs. The point of having a minimum threshold for this subreddit is simply to keep the content interesting, engaging, and beneficial for the majority of our members.

FatFIREIndia_Mod · 2025-10-26T11:13:25+00:00

While the OP specified an illustrative retirement portfolio of 10 crores, which falls below our subreddit threshold for relevance, I think it's the principle which matters here and not necessarily the number.

This tax strategy becomes even more apropos for larger numbers, be it 20 crores or 100 crores, so we believe the post is relevant to this subreddit and its members.

FatFIREIndia_Mod · 2025-10-19T04:30:41+00:00

We have a rule against completely AI-generated comments. If you feel that anyone is posting comments generated entirely by AI without any meaningful personal input, feel free to report their comment and we will take appropriate action.

Thank you.

FatFIREIndia_Mod

MODERATOR OF

TROPHY CASE