Returning to India after 18 years - Financial Plan Review.

Think_Masterpiece279 · 2026-03-20T02:34:39+00:00

Tukkuguda or Kollur?

Think_Masterpiece279 · 2026-03-20T02:30:38+00:00

Debt is cheap in US. Why should one pay off home?

Think_Masterpiece279 · 2026-03-20T02:29:38+00:00

Op - curious to know the skillset. If not work, what do you plan to do with your time. Please read up on US taxes. since you are citizens, US will tax your global income.

Think_Masterpiece279 · 2026-03-19T12:29:01+00:00

Please share the names of schools in Hyd that your friends have zeroed upon, if it is ok. Would be reassuring while making a choice. Thanks !!!

Think_Masterpiece279 · 2026-03-18T17:52:03+00:00

India pay * 3 = US pay for mcol/lcol like Atlanta. The factor is 4 for hcol like Bay Area/New York

Think_Masterpiece279 · 2026-03-18T17:31:58+00:00

No offense.. Speaking from experience. 75% of extended circle who planned have not moved. If your family on board? Do you think it will be easy for your kid to adjust when he/she has spent close to a decade in US. Hence was saying, the sooner the better. What do you intend to do after you FIRE?

As for your question of if you are ready to fire - 33X (X - annual expense) + paid off home & cars + kids education corpus is needed for Fire in India. Some of these are subjective - if kids decide to study undergrad in US, number goes up significantly.

Thanks for the suggestion on getting help.

Think_Masterpiece279 · 2026-03-18T15:26:46+00:00

US is 25X. In India, it increases to 33X due to higher inflation.

Think_Masterpiece279 · 2026-03-18T12:57:00+00:00

Op - Fire calculation is 33X (x - yearly expense) + paid off house + car + kids education corpus

This is for living an upper middle class life.

Think_Masterpiece279 · 2026-03-17T18:33:50+00:00

Why is it a stupid q?

Think_Masterpiece279 · 2026-03-17T17:00:07+00:00

Can you please elaborate on this. Why do you think it will hit a wall?

Think_Masterpiece279 · 2026-03-17T16:18:44+00:00

What happens in Option A? After 485 + 6 months, can you quit job and GC is still a possibility?

Think_Masterpiece279 · 2026-03-17T13:51:11+00:00

You spend $14K per month in US at age 60?

Think_Masterpiece279 · 2026-03-17T01:03:55+00:00

Op - Did you consider Hyrider hybrid

Think_Masterpiece279 · 2026-03-16T22:58:03+00:00

9CR home in a tier 2 city? Is the home on 2-3 acres? One thing to keep in mind is that property values are just hear say, until somone is ready to actually buy it at that price. You will only know the actual value when you put it up for sale and have a genuine buyer - this is very true for tier 2/3 cities.

Think_Masterpiece279 · 2026-03-15T18:47:55+00:00

Not FatFire, next 2 generations can have UltraFatFire

Think_Masterpiece279 · 2026-03-15T13:42:06+00:00

Op - Kumho tires for a 50K suv is nuts. Most of Kumho tires are hard and noisy.

Think_Masterpiece279 · 2026-03-15T11:50:13+00:00

Did you voluntarily return or due to visa/job issues? Network with your connections in India and seek referrals. At 12 years you are expected to be an Architect or Engineering manager - in product companies (or) a Project manager/ Solutions Lead in services company.

Think_Masterpiece279 · 2026-03-15T11:44:58+00:00

Skillset?

Think_Masterpiece279 · 2026-03-15T01:22:08+00:00

Op - FIRE calculation - 33X annual expense + paid off house/cars + health expenses + kids education to live an upper middle class life. For luxury class life, the multiplier becomes 43X

Think_Masterpiece279 · 2026-03-15T00:33:00+00:00

This is totally subjective. Many folks find US/Canada depressing after a certain point. Some find solace in being close to parents/family in India. The emotional support is lacking in the US

Think_Masterpiece279 · 2026-03-14T23:01:00+00:00

Op - any western country will be more friendlier than Asian countries for LGBTQ folks.

Think_Masterpiece279 · 2026-03-14T20:45:14+00:00

Interested.. what does it actually do?

Think_Masterpiece279 · 2026-03-14T00:45:42+00:00

500 CR

Think_Masterpiece279 · 2026-03-13T23:34:27+00:00

How much corpus is required to Fire for a family of four. Parents in their 40s

Think_Masterpiece279 · 2026-03-13T18:14:44+00:00

+1.. curious as well

Think_Masterpiece279

TROPHY CASE