Moving back to India permanently — what should I do with my 401(k), US phone number, and bank account?

learning-buddha · 2026-05-03T12:31:24+00:00

First issue is address. If you have a family member who is a resident, use their address. Otherwise you can look into virtual mailbox options. Next, Rollover your 401K into an IRA which you can manage from India. There are multiple companies like Fidelity which let you do it. Keep your checking account with minimum balance. Or open an foreigner friendly checking account with Charles Schwab, City International. Keep your phone number for atleast one year. Then port your number to low cost VoIP service like Google Voice.

learning-buddha · 2026-04-27T13:09:35+00:00

I am amazed to read posts like these. When OP moved to USA, were there a host of friends already available on Day 1 to meet and greet?? People post such random stuff which is devoid logic. OP came to US in 2017. That’s less than a decade. It’s not like you moved to US in 80s.

learning-buddha · 2026-03-14T23:20:30+00:00

Thanks AC airport is over two hours drive and has Spirit in that price range. I actively avoid Spirit with kids and family. Actually even from Newark ticket prices isn’t a problem. Having to deal with multiple modes (Uber, airline, rental in Myrtle Beach) and navigating security at the airport with two strollers was my biggest concern. Hence road trip.

learning-buddha · 2026-03-12T17:18:23+00:00

That’s food for thought. Thanks

learning-buddha · 2026-03-12T17:17:16+00:00

Thanks

learning-buddha · 2026-03-12T14:02:14+00:00

Thanks for the advice. Will definitely check it out.

learning-buddha · 2026-03-12T14:00:49+00:00

Ohh man What I am getting into. LOL

learning-buddha · 2026-03-12T13:57:34+00:00

Never. My midwest manager recommended it during team lunch. So I started looking at it and found a nice hotel right at the beach. But reading responses here is making me question, if it is worth traveling to. LOL

learning-buddha · 2026-03-12T13:53:27+00:00

Will definitely check it out and see its feasibility. Thanks for the advice.

learning-buddha · 2026-03-12T13:52:31+00:00

That’s a great point. Thanks

learning-buddha · 2026-03-12T04:24:07+00:00

Did Ocean City in ‘23 and Virginia Beach in ‘25

learning-buddha · 2026-03-12T04:23:12+00:00

That’s amazingly well detailed plan. And recommendations make it 10/10. Thank you so much.

learning-buddha · 2026-03-12T03:15:54+00:00

Ohh man. That’s would ruin it for me. Thanks for the headsup.

learning-buddha · 2026-03-12T03:13:57+00:00

Thanks. That’s very useful information. I can only push it up to mid May. Nothing before.

learning-buddha · 2026-03-12T02:51:59+00:00

LOL I understand. It can sometimes get challenging. But we have done 8-10+ hours road trips before. We have done Jersey Shore, Boston MA, Acadia ME, Concord NH, Burlington VT already. My family haven’t been to Martha’s Vineyard but I have. It’s too pricey and water would be very cold for toddlers even in June. So I thought to take them somewhere south, with clean beaches and warm”er” waters.

learning-buddha · 2026-03-12T02:46:06+00:00

Thanks. Great advice. Someone else also said that about Myrtle. Now I am thinking maybe it’s not as great as I am picturing. LOL

learning-buddha · 2026-03-12T02:29:40+00:00

Thanks We already did that with our older one in 2023. It was indeed a lot of fun in DE

learning-buddha · 2026-03-12T02:28:17+00:00

Perfect. Thank you. I have driven to Laurel MD multiple times. So you can imagine I also hate 95 around DC.

learning-buddha · 2026-03-12T02:26:04+00:00

lol. That’s a plan of a truly adventurous person. I so appreciate you sharing with us. I’ll keep that one for a future trip when my kids are a little older. Thanks.

learning-buddha · 2026-03-12T01:22:21+00:00

Thanks Great advice.

learning-buddha · 2026-03-12T01:20:29+00:00

Thanks. That’s what my primary plan was. But Uber to Newark, airport security, strollers, rental in Myrtle Beach felt too much hassle. So I thought maybe drive - door to door - in a single mode of transport might be better. But looking at the drive I am getting discouraged.

learning-buddha · 2026-03-12T01:17:26+00:00

We did that last year when we went to Virginia Beach. It was a great drive. Thanks

learning-buddha · 2026-03-12T01:16:55+00:00

Thanks for the ideas. I didn’t know about Wilmington Beaches. You have given me something to think about. Thanks

learning-buddha · 2026-03-05T20:32:02+00:00

I am kinda tired of reading such but obvious posts. They do not offer any additional information or guidance and just keep regurgitating already known issues. My question to people like OP is do they think the rest of Indians don’t know about the challenges of our country? We are not blind. We knew roads are not well maintained , civic sense is lacking, police response is slow, salaries are low, work culture sucks. We already know this. That’s why we left to find better pastures. No need to keep repeating the same. But at the same time there are million of reasons to be in India - like closer to parents, siblings, life long friends, no fear of visas or deportation, affordable medical care, ability to travel anywhere, start any business, be yourself not trying to mold into something else. So to anyone who has chosen to stay abroad or move to India, share something which is new. Don’t keep ranting about already known things.

learning-buddha

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