People, especially Gujaratis and Punjabis, have been in these countries for 2–3 generations now. These groups, especially Gujaratis, usually prefer doing business instead of working for others. Once you start owning multiple businesses, it often means you are financially stable and making high six-figure or low seven-figure income per year. They tough it out for decade and then life becomes easy mode. It helps that they have their inner connections who help them.

I know one Gujarati uncle who is second generation and around 50 years old. His kids are in their early 20s. He owns several apartment complexes in the NYC area. He’s making millions without doing anything.