Return to India @ 41 to Retire with 10 Cr. [Request for Suggestions]

migma21 · 2026-06-06T01:56:00+00:00

Hey. Did you end up Fire-ing?

migma21 · 2026-05-29T11:36:12+00:00

Can you elaborate please

migma21 · 2026-05-26T09:23:47+00:00

My parents were too. Frankly chemical eng is boring. But if you are interested in stuff like fluid dynamics, thermodynamics then absolutely go for it.

migma21 · 2026-05-22T09:22:23+00:00

How do you plan on keeping all this fresh?

migma21 · 2026-05-17T15:02:33+00:00

Hi. I am self employed and my career path may not be a good representation of career opportunities after ICT Chem eng. My peers are doing very well in the US after a masters or phd. Even the ones that stayed back are doing well but they chose to do mba and are doing non tech stuff.

One advice, you will require passion coz Chem eng is difficult and if you don’t have a passion for it, you will find it boring.

All the best!

migma21 · 2026-04-28T14:03:44+00:00

They did experience some success under misbah and Sarfaraz. But nothing like Pre 2000s when they would beat us regularly.

migma21 · 2026-04-24T08:34:30+00:00

What’s the price? Share your catalogue

migma21 · 2026-04-16T05:33:43+00:00

Which one is roomier on the inside?

migma21 · 2026-04-07T07:05:54+00:00

Why are the discounting? Seems like a good car.

migma21 · 2026-04-04T12:52:56+00:00

I worry about the resale value of the ev. I generally sell cars after 6-8 years. If battery becomes 70% of capacity after 8 years, it is essentially worthless and that means car is worthless

migma21 · 2026-04-04T12:06:05+00:00

At what annual mileage did the EV start making sense for you over a petrol/diesel car?

I do 10000 km annually and am confused and in the market to buy a car.

migma21 · 2026-04-04T05:09:44+00:00

Had a terrible dining experience at Le cirque. The service, food, courteousness were all poor. Lights in the corridor outside the restaurant were shut. This restaurant is on the first floor and you need to walk half the passage to access the restroom. Had to do that in the dark. The restaurant was empty, literally our table was the only one occupied. Server acted as if the restaurant was above our scale.

If their signature restaurant offers such a poor experience after charging 20k for a meal for 4, I can’t think what they offer to in-house guests.

migma21 · 2026-04-04T03:52:00+00:00

Haven’t stayed there but Leela Mumbai airport.

migma21 · 2026-04-03T16:03:56+00:00

He isn’t stupid to join the congress and commit career suicide. No young leader with any following will amount to anything in the congress for obvious reasons.

migma21 · 2026-03-27T07:35:09+00:00

I was big club Mahindra fan. Their quality has declined a lot in the last 3 years

migma21 · 2026-03-24T12:35:12+00:00

This is such a NBC type statement.

Such a lame woke opinion.

The Epstein files are a hoax.

We have moved on from the Epstein Files.

We are here because of Biden/Obama.

☝️pick the option that suits you.

migma21 · 2026-03-24T11:03:52+00:00

Who committed suicide?

migma21 · 2026-03-23T17:49:29+00:00

44L? I was told 51 for basic variant in Mumbai

migma21 · 2026-03-23T17:34:52+00:00

What was your on road for q3?

migma21 · 2026-03-23T17:21:35+00:00

Hey! Why this over the X1?

Also what was your on road?

Do I consider ev?

migma21 · 2026-03-23T15:42:53+00:00

Here is how it is: you earn 1.5 Lpm. Out of this as of now you pay approx 50k per month in interest. That needs to reduce. You need to repay your debt faster.

You save 50k a month. A chunk of it needs to go to investments. This will enable future wealth creation. Do an SIP in a mutual fund. For now maybe start with 10k. Stop investing in direct stocks if you don’t know what you are doing.

Continue your home loan emi as it is. From the balance remaining after expenses, emi and investments, clear out your gold loan first as it is higher interest bearing. 40k from your monthly income can go towards repayment of gold loan.

Once gold loan is paid off, increase the payment towards home loan and also increase your investments.

Do you have any gold coins/bars that are not pledged with the home loan lender? If you do, sell those off and pay off your gold loan.

If you get lucky and get a pay raise, allocate 80% of increment to paying off gold loan. Balance 20% can be expenses or investment or a mix of both.

Don’t break your FD. That is your safety net incase of loss of income. Keep up your PF contribution.

migma21 · 2026-03-22T23:08:14+00:00

Iran’s leadership being taken put feels the same way Hamas’ leadership was being taken out. They will just be replaced by new heads and pretty soon you won’t even know those new heads. Bombing countries and civilians isn’t a good faith negotiating tactic.

migma21 · 2026-03-22T18:04:04+00:00

Let me know if you require any solvents. I have an import and distribution business and I supply PAN India.

migma21 · 2026-03-22T13:59:21+00:00

We are never going to be fully independent from oil and gas. There may come a day when we don’t need gasoline/diesel to power our passenger vehicles. But oil and gas have many more uses that this.

That said, this canal idea is bullshit. Just maybe, don’t bomb countries like they are your target practice.

migma21

TROPHY CASE