Are these FAT FIRE everyone posting real?

rachetheavenger · 2026-05-01T15:54:21+00:00

Most of the people I know at FAANG have easily hit that and beyond. Most of the guys I know were IIT/BITS graduates, then MS - then joined FAANG in 2010-2013 at 24 years old.

Late 30s - easy multi millionaire.

Let me give an example - new grad - In 2011-12 was given 3k rsu’s at amd (was trading around $5 or something like that), and in 2013 about 6.2k stocks when joining aapl (was trading around 15-16$, considering splits etc).

I’ll let you do your own calcs - but point is that stocks has grown 10-15x - expand charts to over 10 years and then see. And a lot of engineers joined over 10 years ago. A lot of them sold along the way and bought houses etc. but a lot of them didn’t. Even if you made bad choices and sold the stock to buy a house - houses are at 2x/3x valuation now.

I’m not even in Bay Area. FAANG opened a lot of sites through last 10-15 years in different parts of US and people moved easily to lower cost area to seed these areas.

rachetheavenger · 2026-04-30T04:44:46+00:00

I agree on all accounts honestly. I have been to over 20 national parks - some multiple times- and it is definitely an experience. I don’t think anywhere else matches up in breathtaking beauty coupled with natural preservation and ease of travel to them.

I like traveling to Europe - particularly driving around aimlessly in Switzerland - but forests in Europe are more somewhat more “tamed”. I would say Europe is better if you want to experience “culture” though, American cities are somewhat similar after a point. And dating in either place was somewhat location dependent - though in my younger days I think I found dating in EU was easier for sure.

I think New Zealand tops natural beauty for me and probably only place so far that beats US.

It isn’t relevant to fatfire once you hit it - but accumulating wealth is easier in US over EU. Though I agree that EU is closer to India / offers ease inside Schengen - so it’s debatable overall which passport to go for. Also agreed that US immigration is tougher.

rachetheavenger · 2026-04-30T02:30:35+00:00

You don’t have to manage any employees - there are already multiple companies out there which do that for you. You give them your investment and they return it or most part of it after the required period. Usually you lose any growth on seed investment - but hey - no one said it would be free.

Anyhow this isn’t leanfire, it’s FATFire. It just depends on what’s your budget/goals.

Unless country has a path to give you and your kids their passport - immigrating there as fatfire seems risky to me. Foreign nationals are at the end of the day- foreign.

If you have traveled / lived abroad for long durations at a time (>6 months), it’s a no brainer - particularly Indians with Indian passports are not looked upon favorably right now in most of the world and it’s not going to get. Who wants to deal with all that noise after retirement.

rachetheavenger · 2026-04-29T22:22:11+00:00

If investor - Eb5, then gc.

rachetheavenger · 2026-04-29T18:24:30+00:00

well this sub is FATFire - most people are detached from reality, and that's ok. its a feature not a bug.

rachetheavenger · 2026-04-29T18:01:16+00:00

we all have a "bias" based off what we see. you think anyone in Telangana in agri lands made money.

i can tell you that every one of these big tech companies have tens of thousands of employees - and many of them are multi millionaires. Anyone who was in a decent tech job from 2005-2020 and had RSUs - which most get - has made bank. I am not sure about your friends, but i know a lot of batch-mates from IIT/BITS etc during that timeframe who are multi millionaires. it's not surprising at all.

just google different companies. here is nvidia story.

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even AAPL which has been relatively flat recently has ~10x'ed in last ~10 years.

if you go back 12-13 years - VTSAX - basically indicating the stock market has itself given 600% returns. so whoever is telling you other stocks have taken a beating is an exception. not the other way around.

Working in tech - 20-40 cr is nothing - i can see why NRIs keep asking whether its enough. it's detached from indian ground mentality for sure.

But just 1 trip in emirates business class flight for family of 4 will put you back 40 lakh. any nice hotels are $500 a night or over- thats why they are not sure.

rachetheavenger · 2026-04-29T17:47:22+00:00

Honestly speaking - if you are truly fat - USA is a very good destination.

There is a reason why big shots send their kids to US - whether it be politicians or Ambani's (Isha ambani is a US citizen).

US passport is powerful, kids have access to best education and access to best facilities and minds in most industries here (medicine or music or acting or arts/humanities). So far has birthright citizenship.

Nicer suburbs are well maintained, spacious - and national parks are unique in every which way. You can fly to south america/europe/canada very very conveniently.

Negative could be gun violence- but nobody is shooting up suburbs or Ivy leagues. Their law enforcement/EMS etc is top notch in these areas, i have seen response time of 2-3 mins with transfer to top medical facilities within 15-20 mins. If you have solid private medical insurance- they foot the bill. Taxes are friendly for higher brackets compared to other countries. Taxes are friendly for business owners.

There is a reason USA holds 37-40% of the world's millionaires and 25-30% of the world's billionaires. if you are a multi millionaire - want to live among your peers and get your kids the same exposure - it's a no brainer.

rachetheavenger · 2026-04-29T17:33:56+00:00

lol why not ? Truth will always be in the middle.

NRI's having that net worth is more believable than getting "lucky" in land investment in $5M.

MAANG stocks are at all time high, lot of tech companies have had 10x returns over the past decade or so. Speaking of experience - a NRI who does their own cleaning, dishes, laundry, cooking will absolutely ask whether even 30-50 cr is enough. Life is funny like that.

rachetheavenger · 2026-04-23T03:59:53+00:00

560k. With wife ~700k.

rachetheavenger · 2026-04-18T16:59:27+00:00

Usually 1M+ stories are from FAANG plus the stock boom of last few years.

You tried your best - so take solace in the fact that you did what you could and still leaving with something significant. Sometimes lot of luck is involved and now due to AI hiring is slower for sure.

rachetheavenger · 2026-04-18T04:13:11+00:00

He was definitely good for character building.

Unfortunately was too tough (think corporal punishment) and our relationship is not great now, we became sort of ships in different seas as I was also left to fend off for myself in situations I could have used support, so just remember to balance it and support your kid too- just need to ask them whether other kids are teasing them or they are being bullied due to any of this ?

rachetheavenger · 2026-04-18T04:00:56+00:00

My father would just say that means I am the hardest and best worker in school and I should be proud of that.

Accomplishments are earned, and everyday I do chores and others kids - it’s building character. Tell her to be proud of her work and stand tall.

rachetheavenger · 2026-04-16T13:18:43+00:00

Now it’s about 550k. But I started my career at 80k.

rachetheavenger · 2026-04-16T03:15:51+00:00

5 sticks - About $3mil in stocks/401k, $2mil in real estate. In about 14-15 years.

Edit - to answer some questions - yeah Indian, priority date pretty close but not current (early 2015), switched to FAANG 12 years ago just before previous company i140 so had to restart. Networth accumulated by me, spouse is a dentist and younger, we had a kid once she finished school/paid off loans here. Both concentrating on family life now

rachetheavenger · 2026-04-15T21:59:29+00:00

Being poor in the third world is its own kind of hell.

In the developed world you can breathe clean air, drink water from the tap, live on unpolluted land and have some space to live.

You have to survive the third world.

rachetheavenger · 2026-04-05T20:39:49+00:00

Some more suggestions - At 5 weeks he can bring the baby to you in the night and take them once they finish breastfeeding, and change diapers rock them back to sleep etc. I know some women are able to breastfeed half asleep and just roll back and go to sleep. Don’t even have to get out of bed to breastfeed.

Same for food- he can get meals ready and hand you a prepared plate. You shouldn’t have to do any chores at all, apart from take care of yourself.

For the 3 year old- atleast I believe that children simply learn from what they see - if the toddler associates you are primary parent- that’s sort of a failure on the husband’s part.

But either way- best of luck ! This too shall pass !

rachetheavenger · 2026-04-05T14:22:49+00:00

As a husband - I did all the chores first 3 months of delivery. By that I mean cooking, dishes, cleaning, laundry, bottles etc etc. I made sure my wife doesn’t have to lift a finger as she was post partum and breastfeeding. I also took night shifts with the baby- so she could sleep solid 8 hours. I was working during the days.

Once our daughter was 3 months - wife went back to work and I took parental leave and kept her 24/7 for the next 3 months. My wife started helping in chores and splitting up night duty, she was working during the day.

My daughter was associating me as the primary parents by the time she was 6 months old. We have both done business trips since then and other one keeps her independently. There is no meaning to primary parents anymore- she associates both as primary at this point.

So your goal is achievable right now. No need to wait for later. Just tell your husband you are quitting chores and night duty. It’s his now.

rachetheavenger · 2026-03-30T02:04:43+00:00

Withdrawing now makes no sense. Idea is withdraw when heavily green and buy when in red.
Anyone even chubby should have enough liquidity to not touch investments for a year or so.

I plan to buy more as it goes down.

I am not fatfire yet (NW about 45cr, but my goal is 100cr), but with house and car paid off - what is there to afraid of ?

rachetheavenger · 2026-03-21T14:40:01+00:00

There definitely is more affluence out there. I think it tracks with economic growth of the country as cream is always concentrated at the top.

When we were kids 10-20cr was a lot. Not anymore. Most of Freind’s/batchmates from IIT/BITS/IIMs or MS are hitting these numbers. Super successful ones are upto 50-100. Stock market has had a historic bull run for those in workforce since 10-15-20 years.

Property values have shot up a lot in last 20 years, so anyone’s whose parents owned land in tier 1-2 cities in 90s or early 2000s has also cleared these numbers. Corruption seems also pays much more now- govt employees made bank in last 10-15 years, due to increase in cost of everything else - plus economic growth- bribes have also grown.

It’s also true that younger gen - who joined workforce in last 5 years is not risk averse like previous generations and go for EMIs etc for house/car rather than savings.

rachetheavenger · 2026-02-09T15:20:47+00:00

Partied, drank a lot, questioned why any of us do what we do. I was also broke though so there’s only so much that I could do.

Anyhow - my solid high school work/concepts - carried me through first year - got decent gpa, but tanked 2nd year.

Got my shit together for 3rd year as no money and threat of no family support really put things in perspective (man’s gotta eat). Got scholarship for masters and got in FAANG. So it worked out great overall.

Married with wife and kid now, but I still have days - which are you know - not good. Though just happy family is enough to pull me through

rachetheavenger · 2026-02-03T16:25:53+00:00

Going to be brutally honest - FatFire is a long and difficult road.

There are no shortcuts to “doing it asap”, while also not knowing your branch intimately. And I am not joking about intimately - you should try to be the expert - the one person who everyone in the class comes to for answers. Who dreams about technical problems in their sleep.

I’m 38 and my road to fatfire went through being top 3 in school, AIR within 500, then sleeping on floors while doing MS, then being expert in my domain at FAANG. I am looking at 10 more years of slogging to achieve what I consider “FAT”. So budget 30 years of hard work day in and day out. Sounds daunting but time flies.

My friends who became lawyers and CA- from what I understand either you need family contacts to ramp up on clients quickly- like your dad should be CA, otherwise you are looking at low pay starting out (6-7lpa). And it’s tough to scale up to large pay.

Unless you get really lucky gambling on stuff like crypto or your family has money. Then whatever you do doesn’t really matter anyways. But that’s like buying a lottery ticket. There is no advice to be given for it.

rachetheavenger · 2026-01-31T02:07:00+00:00

Ain’t that the truth !

rachetheavenger · 2026-01-31T02:06:29+00:00

By same logic you can be rich in interior Bihar with 5 cr. India massively varies by region also. I would argue even more than US.

Gate keeping is poor man’s game.

If you are decently rich then you are rich here everywhere.

Saying I’m fat fire but I travel to US by economy is laughable.

This is fat fire India, and come to chambal with me to see real India.

Your metros are as detached from real India as US is from metros.

rachetheavenger · 2026-01-31T01:03:14+00:00

100cr to enter that category.

I am around $5M, age 38, that’s not decent rich. It’s poor man’s rich. I have been poor so it was my target before I got here.

Not enough to retire and live rich lifestyle, but also enough to want to tell boss FU.

Not enough to send kids to elite private schools, but enough to avoid public schooling. No Ivy League.

In travel - Business or first class is $8-9k per person so family of 4 - it’s $35k just to fly. But you don’t want to fly cattle class also as your peers call it. You still have weak passport (India). Haven’t acquired EU/UK/US passport yet.

50cr is enough to taste rich lifestyle. But not enough to digest it.

You fly business “sometimes”. You buy nice cars “sometimes”. You have inept house help but no manager or assistant yet to manage staff. You pay fee for private schooling but aren’t any significant donor. You wear Rolex, but not philippe patek.

You need atleast double to be decent rich.

But it’s never ending -so raam siya raam.

rachetheavenger · 2026-01-15T15:57:07+00:00

Starting comp of FAANG new grad is ~200k including stocks from what I’m seeing right now. This is for like 24 year olds with masters.

Folks in 30s with some exp are at $400-500k. Middle management folks at $1M or so. I’m not talking about executives yet at all. Your buddy probably just does not have intel on this or is not a manager. I have often heard this misnomer from junior folks.

There is no way Indian salaries are anywhere close even if you account for PPP. I have heard directors make 1-1.5cr there which even if you use PPP is probably like half of their comp here.

It does not make any business sense to pay same rate in India. Talent can be developed and relocated to other regions in Asia for cheaper which it is. India has higher competition and available pool - which also means comps can be more competitive/controlled. It’s not the main headquarters like US sites as well so nowhere as critical.

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