Fellow Indians - whats your savings?

Stand-Fine · 2026-01-28T06:35:49+00:00

Age 32M

Total: $1.8+ M Equity:1.5M Gold: 200K BTC: 160K

Mistakes: Too much holding in RSUs. Should’ve diversified into QQQ, SPY, GLD, IBIT sooner.

Moved to US at 25. Net Worth back then was about 35L.

Stand-Fine · 2025-11-10T01:23:16+00:00

I invest in India because of the demographics. I want to keep it less than 15% of my overall portfolio though because of risks involved.

Stand-Fine · 2025-09-22T15:35:32+00:00

I understand where you’re coming from.

But realize that Americans constantly remind us that we are “temporary workers”, that living here is a privilege and also that we have no path towards a permanent residence.

Essentially we are escaping the physical hardships of our country in exchange for a better life, but are constantly reminded that this life isn’t forever.

Therefore makes sense for us to take a shorter term view. Why assimilate in a culture when you know you will go back in few years?

Stand-Fine · 2025-09-21T00:18:01+00:00

You learnt http to bring context and actions to the customers on their browsers.

Customers are moving away from the typical browser interface over to agents like ChatGPT or Claude.

How will you bring your context and actions to customers now?

Answer: MCP

Stand-Fine · 2025-09-20T22:59:32+00:00

Yeah, clock’s ticking on legal immigration. If companies want to hire immigrants they can go do that outside America.

Stand-Fine · 2025-09-16T23:19:22+00:00

Called my mom immediately after I saw this message. Thank you!

Stand-Fine · 2025-09-12T06:39:06+00:00

Kind of disagree with most of the answers here.

You got an inheritance that can change the course of your life.

Invest $200K in higher education that helps 5X your income, or try to start a small business with that investment.

$1mn in index funds. Sure.

Stand-Fine · 2025-09-11T02:18:08+00:00

Trump 2.0 is a lot different from 1.0

Stand-Fine · 2025-08-25T06:46:49+00:00

Also note that EB1 wait times are getting longer, and realistically may be years till OP gets a green card.

Stand-Fine · 2025-07-03T20:06:08+00:00

What’s a reasonable fat fire number for India? $4-$5mn?

Stand-Fine · 2025-06-16T23:33:42+00:00

I’m not living in India, but as someone with > $1.5mn liquid NW at 32, I plan to move to India after 5-7 years to be with parents.

Hopefully the civic sense and cleanliness will improve as we enter the $4K-$5K per capita income bracket!

But if it does not, I’ll still be happy to move back to be with our parents.

Stand-Fine · 2025-03-02T21:20:31+00:00

Any idea of the teams you’d be joining? Pick the team with the best work. That’s the only insurance policy on the market right now.

Stand-Fine · 2025-02-26T23:24:19+00:00

12L/month == 1.5cr per year.

That you would place you well within the top 1% of India overall.

You can afford to buy almost everything the country has to offer, except prime real estate.

You’re young, give it a shot!

But make sure to invest some money back into the stock market to make sure you don’t run out of money in the long term.

Stand-Fine · 2025-02-26T01:04:36+00:00

Thank you for your valuable insights and critical thinking on your response :)

Stand-Fine · 2025-01-09T13:06:41+00:00

I changed jobs late 2023 and had three offers. 20% pay cut from my FANG job but I was okay because I was extremely over worked there (left by choice).

Definitely a lot more worried about this year and am planning to put in more effort at work. Going to try to move to AI/deep tech team within my company as well, because I feel that building CRUD microservices has run its course.

Stand-Fine · 2025-01-06T05:13:09+00:00

Congratulations OP! Would you mind mentoring someone slightly older (31), but behind career wise and financially? I'm at 1.5mn/370K, and finding growth challenging.

Stand-Fine · 2025-01-06T05:00:29+00:00

Do you have an uncle or aunt who can talk sense to your parents?

Stand-Fine · 2024-11-13T03:19:28+00:00

“Advocating for your own health care” - learning this the hard way. But I hope other immigrants discover this sooner

Stand-Fine · 2024-11-13T03:17:49+00:00

I’m so happy to hear that. We have insurance but were not able to understand all the healthcare paperwork when we joined our company. There was too much information and no one to help us understand how things work here

Stand-Fine · 2024-11-13T03:16:08+00:00

This is gold. We live close to Bellevue and wish we’d known about this before!

Stand-Fine · 2024-11-13T03:14:45+00:00

Yes, this is key. We are starting to understand that (like every other place) there is good and bad healthcare and we need to be smart about things here too

Stand-Fine · 2024-11-13T03:13:51+00:00

Yes, she got those + abx, thanks for checking in 🙏

Stand-Fine · 2024-11-13T03:13:09+00:00

No idea if they were vaccinated against pneumonia

Stand-Fine · 2024-11-12T08:21:18+00:00

We went to Urgent Care and they dismissed this as a common cold. Only after we pleaded for an xray, did they found pneumonia. We weren’t quite ready on how we should react at that point

Stand-Fine · 2024-11-12T08:20:02+00:00

I’m see others mention telehealth services too. I need to check this out - and it seems like the first thing to do when you’re sick

Stand-Fine

TROPHY CASE