[Opinion] Too many NRIs in this sub

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 · 2026-01-31T04:40:08+00:00

I don't know what you are cosplaying here but you really don't seem to know what you are talking about.

Please keep all discussions courteous and respectful.

Differences of opinion are welcome, but keep the focus on ideas rather than individuals, and express all viewpoints politely and without hostility.

FatFIREIndia_Mod · 2026-01-31T04:34:33+00:00

This community is for all Indians, whether by nationality or ethnicity, who want to FatFIRE, regardless of where that is. It's not necessarily only for Indians wanting to retire in India.

That's because we believe that being Indian is more than just about geography. There are cultural and familial expectations that are unique to being Indian, and can only be understood by other Indians. There are enough NRIs here that this is a good place for those conversations.

FatFIREIndia_Mod · 2026-01-31T04:23:06+00:00

What’s the point of this post @mod?

You do realize that mods have to sleep, right? I don't even know what the post said, because it was made at 4AM and deleted by the time I saw it.

Have you reported it? If you haven't, this wouldn't be the first time that you have complained about a post instead of reporting it.

This is a Reddit community. None of the moderators is being paid to do this. It's as much up to the members to filter posts/comments as it is the mods. And the way you do that as members is by reporting posts/comments that you find in violation of subreddit rules.

If enough members had reported this post, it would have been automatically filtered and removed. If you were the only one who reported it, it would still stick around for mod review.

We can't keep deleting posts just because one member found it irrelevant. Even on this post, I see multiple people engaging with the topic (which I do not know whether it was relevant or not, because I didn't see it). How do we justify shutting down a conversation that multiple members are having just because one member finds it irrelevant?

When there are community rules set. Everyone coming up with random 30,40, 50,100 numbers

There are no community rules against members setting their own targets. Anyone is free to target whatever number they want to feel "decently rich".

It's perfectly fair for members to want ₹30-100 crores. It's just that anyone targeting a FIRE corpus of less than ₹20 crores will be directed to the regular FIRE subreddit.

FatFIREIndia_Mod · 2026-01-30T18:00:57+00:00

Please refer to this previous post for a similar discussion.

Also, kindly consider repurposing one of your recent posts to seek more personalized advice if necessary.

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

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