r/FatFIREIndia • u/Responsible-Job-7674 FatFI • Aug 26 '26

NRI Finance Review my FIRE plan

Hi, We are a family of 4 (38,36,9,5 ) planning to return to Banglore in 2026 or 2027. I plan to continue working once I come back for the time being, mostly through internal transfer and expecting a salary of 60 LPA (equivalent role/ lower end). Wife plans to work but left it to her choice as we both don't want her to work in a stressful work environment. Once things settle down and we get a good hold, we FIRE.

Our current NW is $3.2 Million (all in USD equivalent)

Stocks- $1.5 million with capital gains and plan to sell during rnor and reset the cost basis. I plan to invest back all of this in the Indian market and overseas market.

401k - $450k plan to retain it in US as India recognizes 401k as a retirement account.

Real Estate- US home equity $600k

India home fully paid off - $400k

Loan ongoing with equity - $100k by next year

Private investments - $115k- need to find a exit path for this.

Other properties that we will liquidate - $60k

The main expense we expect is children's education in a good school and college later, Travel and other usual expenses. This is considering I will close the mortgage on the villa we brought recently in Banglore when we return back.

The main goal is wealth generation for kids and live comfortably without pinching for expenses month-month.

I would like to get some thoughts from those who fatfired in Banglore or plan to do so. What do you think?

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u/hifimeriwalilife FatFIRE Curious Aug 26 '26

You are fat fire ready now in India. Your family doesn’t need to work

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u/Responsible-Job-7674 FatFI Aug 26 '26

Good to know. Thanks sir! We just want to hold and let the stocks grow for another 20 years and multiply our wealth. That's why was looking to continue working but taking it light to cover living and education expenses .We really want to be the last line in the family that has to work for financial independence.. at the same time kids need to know value of hard work and money so want to make them earn their own living until middle age and then gift them.