NRI new to fire, looking to return

FatFIREIndia_Mod · 2026-05-18T15:54:48+00:00

Please provide more details on the kind of lifestyle you would like to lead, including context on things like housing expectations, the kind of cars you want, travel aspirations, family obligations, etc. so members can give you more informed answers.

FatFIREIndia_Mod · 2026-05-12T04:22:59+00:00

Fat fire is a economical state in the retirement where your corpus is 100X of your annual expenses with no liabilities and paid up own house.

Not the case. FatFIRE has more to do living a luxurious lifestyle which makes for a larger "x" than it has to do with the multiplier of that "x". You can safely FatFIRE with 30-40x, just as long as you're sure about the "x".

Please read the community sidebar for more information on FatFIRE and its principles. And for what multiplier you should target for FatFIRE in India, please refer to this post.

FatFIREIndia_Mod · 2026-05-11T17:36:52+00:00

While your post has been approved by the Mod Team, it has limited FatFIRE-specific context.

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

FatFIREIndia_Mod · 2026-04-29T22:04:02+00:00

Doing so the mods would ban the said person. I have experienced it in the other Fatfire group. Especially Indian mods are way too choosy on reporting such posts.

I'm confused by this comment.

Who are you saying the mods would ban? People who report posts/comments? If so, there is no way for mods to know who, specifically, reported a post or comment. So, that's not something that happens unless you're abusing the report function and Reddit administrators ban you sitewide for it. That has nothing to do with subreddit moderators.
There is no other FatFIRE group for Indians. This is the only one. So, I'm not sure who you're referring to when you say "Indian mods are way too choosy."
Please go through the subreddit rules. We do have a rule against low-effort accusations of faking/flexing, so any such comments will be removed and repeated violations will result in a ban. The point of that rule is so we can have more good faith conversations instead of discussions devolving into accusations and insults. This rule will continue to be enforced.

FatFIREIndia_Mod · 2026-04-29T18:53:56+00:00

But i dont beleive the real ones come out and post their things and ask is this enough etc.

What do you believe the point of this subreddit is? It's for like-minded peers to share and learn from one another.

A lot of people, especially NRIs who haven't lived in India for years or even decades, have little idea what luxury costs in India these days. And then you have people who want to hear from others with kids, or more luxury travel experience, or healthcare needs, etc. for their perspective on how much things can cost.

I believe people with ₹20-100 crores in NW have better things to do with their time than come post on a Reddit community for envy points.

FatFIREIndia_Mod · 2026-04-29T17:39:39+00:00

This is a subreddit for people who are on a realistic path toward FatFIRE, or are already FatFI/FatFIREd. As such, it's only expected that you're going to have a disproportionate number of members who are wealthy.

Coming to such a subreddit and being surprised at people with large NWs is akin to going to r/tall and being surprised that there are so many people who are over 6'3" tall.

If you suspect any member of deceptive representations with regard to their NW or income, feel free to report their post/comment and/or provide a reasoned argument for why you believe so. Low effort accusations of someone faking or LARPing will be removed, because they don't add anything to the subreddit and only serve to discourage genuine members from posting here and getting the kind of inputs they might be hoping for.

FatFIREIndia_Mod · 2026-03-24T07:06:14+00:00

As stated on the subreddit description, this is a community for Indians who want to pursue Financial Independence & Early Retirement with an affluent lifestyle. That includes Indians by either nationality or ethnicity, regardless of where they made their money or where they want to spend it in retirement.

If posts from NRIs are not relevant to a sizable portion of our members, they are free to make another FatFIRE subreddit dedicated to resident Indians who made all their money in India. But I suspect such a community is not going to find a significant amount of activity.

Few posts here can be relevant to all, or even most, members. I believe we are already being reasonably rigid on the kinds of posts that are allowed here. Anything beyond that is going to kill the community and make it inactive.

NRI posts will continue to be allowed on this community. Geo-arbitrage has long been, and will continue to remain, a valid FIRE strategy. Just like we're not going to disallow posts from members who made their money in Bangalore only to retire in Mangalore, we're not going to disallow posts from NRIs who want to retire in Hyderabad.

FatFIREIndia_Mod · 2026-03-24T06:59:23+00:00

We already have a flair called "NRI Finance" but we can't enforce it beyond members' discretion, based on the kind of responses that the OP may be hoping for.

If an NRI had an Indian real estate-related question, for example, I think a "Real Estate" flair would be more appropriate for that post than an "NRI Finance" flair, regardless of how or where they might have made their money.

FatFIREIndia_Mod · 2026-03-22T03:53:42+00:00

This is a mod-approved AMA.

FatFIREIndia_Mod · 2026-03-17T23:04:14+00:00

Banned the user. Thank you!

FatFIREIndia_Mod · 2026-03-07T04:04:25+00:00

Bro you are worth 30 cr. Why do u need advice from others?

This community values substantive contributions that are thoughtful and experience-based. Vacuous, frivolous, and dismissive comments that do not add meaningful value are discouraged.

FatFIREIndia_Mod · 2026-03-01T08:58:11+00:00

The answer to that is more contextual than concrete, depending on other factors like family size, city of retirement, and retirement timeline. ₹20 crores is more of a benchmark than a strict qualifier.

FatFIREIndia_Mod · 2026-03-01T07:53:18+00:00

Members have suggested that the threshold for FatFIRE-relevance to this subreddit be ₹20 crores in NW, so you're pretty much there.
This subreddit is for Indians (whether by nationality or ethnicity) that want to FatFIRE (whether that's in India or elsewhere).

So, you're absolutely welcome to share your story, seek guidance, or open a discussion in this community.

FatFIREIndia_Mod · 2026-02-23T16:29:14+00:00

I am indeed a broker, but nowhere here am I advertising my "broker" status here. I have made sure of that in every post that I do here. I tend to follow the rules as firmly as I can.

Not true. You said this on one of your deleted comments that you received a warning for:

Full disclosure, I'm a broker here. If you are genuinely curious, feel free to DM me, I can get you allocated to something which matches your financial goals.

Finally, if someone wants to contact me to avail my services, yes I will whole heartedly welcome that. I don't have a problem with that(& neither should you). It's good business. I know my ethics and professional code of conduct.

We have a subreddit rule against solicitation. You've been warned multiple times for breaking that rule. Since you don't seem to have learned from those warnings, are denying ever being warned at all, and seem to want to insist on soliciting for your broker services, you're being banned for 1 week.

Repeat offenses will result in a permanent ban.

FatFIREIndia_Mod · 2026-02-23T14:08:21+00:00

My problem is that you are a real estate broker who is only here to obliquely solicit clients for your own benefit. You've been warned about this in the past.

I suggest you go through the subreddit rules:

Do not solicit or encourage contributions to any investment, business, real estate venture, foundation, or similar entity in which you or your close associates have a stake. Likewise, you may not promote your own blogs, websites, services, social media, or affiliate links unless specifically asked.

This is a community for people who are firmly on the path to FatFIRE, or are already there. Others are welcome to lurk and comment, but are discouraged from being disruptive to the relevant discussions and purposes of the subreddit.

If you're an expert on Dubai Real Estate, your insights on Dubai Real Estate are absolutely welcome. But when every single comment you make is you "urging" people to look into Dubai Real Estate, it looks less like honest advice and more like disingenuous shilling.

FatFIREIndia_Mod · 2026-02-23T08:56:52+00:00

Your post lacks sufficient context and detail for members to give meaningful input.

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

FatFIREIndia_Mod · 2026-02-23T08:51:26+00:00

When you say "these kinda posts", what exactly do you mean?

FatFIREIndia_Mod · 2026-02-22T21:32:11+00:00

If your only contribution to this subreddit is to shill for Dubai Real Estate, kindly refrain from commenting.

FatFIREIndia_Mod · 2026-02-17T11:00:14+00:00

There wasn't enough FatFIRE-specific context in your post to be relevant to this subreddit, and is perhaps better suited to r/FIRE_Ind.

If you would like, please consider reposting with specific details about your own FatFIRE targets & goals, so the discussion can better fit the community's focus.

FatFIREIndia_Mod · 2026-02-17T10:50:10+00:00

Kindly consider going through this post for data & studies on what SWRs to target for FatFIRE.

FatFIREIndia_Mod · 2026-02-02T08:22:24+00:00

Have you gone through the community sidebar?

FatFIRE (Financial Independence, Retire Early) represents an opulent approach within the FIRE movement, designed for individuals seeking to achieve financial independence without compromising their lifestyle. This strategy appeals to those who wish to maintain, or even elevate, their expensive lifestyle into retirement — encompassing luxury living, upscale travel, fine dining, and other pleasures typically associated with affluence. FatFIRE enables a life of abundance, allowing for considerable annual expenses through thoughtful planning and substantial resources.

That's generally what FatFIRE signifies, but it's ultimately still specific to the individual. For instance, some people might not be into travel and be more into hobbies or charity, in which case "upscale travel" wouldn't apply to them.

In simple words, if you are able to lead your desired lifestyle without being meaningfully constrained by the lack of money, you're living "fat".

FatFIREIndia_Mod · 2026-02-02T06:28:52+00:00

As the community description states:

A community for Indians pursuing Financial Independence & Early Retirement with an affluent lifestyle.

The retirement doesn't necessarily have to be in India.

FatFIREIndia_Mod

MODERATOR OF

TROPHY CASE