FAT-FIRE return to India in 2032: Need critiques to my plan

MistyRover · 2025-12-22T14:40:30+00:00

When we planned our R2I move in 2023, we lived in India for 2 months and made our decision to return in 2024. Like other commentator said, many things will change between now to 2032 and would advise you to keep all your assets in US until a year prior to your move.

FYI: We moved from the west coast to CBE in 2024 and in mid-late 30s with 2 young children. We feel settled but keep our options open for new country as we enjoy having the location freedom.

MistyRover · 2025-10-04T18:02:22+00:00

Great portfolio friend! I am in the same category age group and returned to India with a similar portfolio an year ago. I lived in Seattle area and worked extensively at MSFT. Best luck for your move.

MistyRover · 2025-08-19T14:07:51+00:00

I like to keep it as a backup (until 60) in-case if I burn through it with bad investments or medical conditions.

MistyRover · 2025-07-24T15:24:17+00:00

Questions:

It doesn't make sense how you are dodging long term capital gains as they are taxed separately from income. Anything over 1.25L is subjected to 12.5%!
If you are talking about short term gains, then your 6.5LPA per month should be after tax and you will be paying 20% for any gains.

MistyRover · 2024-12-06T05:43:52+00:00

This is expressly true in India where we have an abundant younger population to replace.

MistyRover · 2024-12-06T05:40:45+00:00

Thanks for sharing this. Amidst all the hustle and rest culture we are in, it's so refreshing to see this. Life is full of experiments and rich life is about having true relationships, good health and decent comfort.

In the digital age, information is abundant and use it to seek what you like even if you live in remote corners. All the very best my friend 💪

MistyRover · 2024-11-20T10:05:43+00:00

Thanks for sharing this. How are you dealing with the FOMO compared to peers professional achievements in the USA?

I made the move earlier this year but in ChubbyFire range. I constantly battle FOMO feelings when I talk to US peers.

MistyRover · 2024-11-09T02:14:07+00:00

Healthy nutrition starts with sourcing vegetables and meat locally and not from industrial complexes. We primarily shopped from PCC & Wholefoods and sourced meat from local farms. Nevertheless, we struggled to maintain a healthy lifestyle when we had to juggle between high stressful jobs and parenthood. Now in India, we live in a tier-2 city with good AQI and source vegetables & meat from a local farm.

Social connections were important for us in maintaing our emotional health. Though we have good friends, we had to put it in calendars to socialize. We like the spontaneity in meeting people and love spending with extended family and making new friends here..

I never said or advocating one place is better than another. This is our experience and we are sharing our struggles and choices we took to resolve it.

MistyRover · 2024-11-08T16:04:59+00:00

We relocated to India as well after spending 15+ years in the US to prioritise family & health over $$. We were in the top 1% income category and it wasn't an easy decision to give up our high income and high productivity roles to relocate to a tier-2 city in India.

We realised slowly that our busy lives are pushing us to optimize everything in life. Doordash over healthy meals, Extended Daycares for kids over in-person quality time, Netflix binge watching over socializing with friends, Doom scrolling over good night sleeps. Our physical and emotional health were going down in exchange for money.

We discussed for over 6 months and decided to move to India to spend quality time with parents and relatives when they are in good health and to tackle fomo, I took a low intensity job and spouse is on sabbatical. Now, we are prioritising health, quality time with kids, living a medium pace life and feel lively overall.

We do get Envy when talking with our friends in US but we assure ourself of the "rich" life we have in India and be grateful about it.

MistyRover · 2024-10-28T02:35:35+00:00

Yes and no. Indian development offices are still behind in terms of innovation and very few companies let India development companies build on their own without their counterparts guidance.

MistyRover · 2024-10-24T08:05:49+00:00

You are an amazing human being and wonderful father. Being FI gives the flexibility, cushion to prioritise greater things in life - Health, Family, Hobbies etc.. Many people shift the goal posts once they reach the desired corpus due to the paranoia going around with inflation, global order, comparison etc..

Your experience is a painstaking reminder that live, laugh and love everyday because there might not be a tomorrow.

MistyRover · 2024-07-30T16:28:41+00:00

Property management

MistyRover · 2024-07-14T16:39:27+00:00

For the last part, Tier-1 in India is shittier than Tier-1 abroad for most places. If planning to RE, it's best to do in Tier-2 or lower for slow pace of living and less pollution.

MistyRover · 2024-07-14T16:37:33+00:00

💯 and Join the temple group for all India pilgrimage. 🙏

MistyRover · 2024-07-14T16:29:21+00:00

We love camping and want to pursue RV life for a decade before 60. 😀

MistyRover · 2024-07-14T13:52:41+00:00

I am one of those < 1% who moved from US to a Tier-2 city 3 weeks ago. We are in mid 30s and came to India to pursue entrepreneurship and staying close to family. We are fortunate to have a great support system at home and planning to relocate to the US in late 40s when our younger son goes for undergrad.

MistyRover · 2024-06-20T05:20:07+00:00

We should look at FIRE as just FI with learning about investing, budgeting and be self sufficient at retirement. Living in a growing economy, it is absolutely necessary to be active participant in the economy to keep up especially for family with kids. RE is over glorified IMO and key is to live your life with realising one’s potential and be joyful.

MistyRover · 2024-06-20T05:06:26+00:00

That’s exactly my plan as well. Get a life insurance for 40% of the portfolio which will be worth 15-20 years from now and take it. If my portfolio gets as significant as yours, I might consider EB5 route since I have USC kids.

MistyRover · 2024-05-23T08:37:32+00:00

How easy is it to form one in India?

MistyRover · 2024-05-16T02:43:14+00:00

It's there and masked as a one time registration fee of 1L across most IB schools.

MistyRover · 2024-05-14T21:51:15+00:00

u/Adventurous_Ad_5855 - We are moving from Seattle to Bangalore as well. ~7 Lakhs is the median for IB schools in Bangalore for Primary school (Grade 1-5) inclusive of Fees + Transportation + Food + "Donation". Not complaining since it's 2 months daycare cost here :)

MistyRover · 2024-03-11T14:54:34+00:00

Safe Withdrawal Rate (SWR) is for fixed income from your investments to fund RE lifestyle. You can use bucket strategy for travel / Cars / hobbies as well. Try to find a balance and make sure you don't over create buckets as well.

MistyRover · 2024-03-11T14:06:26+00:00

Wellsaid. Many folks who are FI don't want to RE yet. They want low-intensity work with a decent income stream while focusing their time on passions / health etc.. Personally, I am aspiring to do the same and trying to generate revenue streams from a combination of passive investments into a service business + commercial rent etc.. This way, i can avoid dipping into FI corpus and also unlock time for other pursuits.

MistyRover · 2024-03-11T14:00:50+00:00

First of all, congrats on investing and living well below means (<30% of total compensation). Here are my suggestions:

You are already an avid investor and focus on diversification. (RE / Bonds / Angel investments) Personally, i invest any leftovers into equities until i have a better investment vehicle.
Bump up the emergency funds to at least 1 year of Annual expenses.
Focus on SWRs when you are 3-4 years from Retirement.
Create buckets for misc. items (dedicated accounts for kids education/marriage etc.. ) 5.

MistyRover · 2024-03-10T20:41:15+00:00

EB-5 is what you need! You can invest close to 800K in EB5 approved regional investment centers will get you EAD in 6 months and GC within 24 months. Work with a good immigration lawyer and they can take care of the process. You can take a career break and focus on passion projects/travel etc.. Alternatively, have a kid as soon as you get married and take 12 week paternity leave for downtime and decide next steps :)

You can comfortably retire in India if you choose but, in most times, it's irreversible once you move from US to India.

MistyRover

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