In a sea of high-pressure success stories and burnout breakdowns, a quietly honest social media post from a techie couple in their mid-30s is prompting people to pause and rethink what it means to live well. “We are in our mid-30s and we have one small kid. We’ve been living in the US for about 15 years,” the post begins. The couple, who have built their careers in the US tech industry, are now contemplating a return to India, not just as a move, but as a lifestyle reset. Unlike the typical returnee story filled with job transitions and logistics, their focus is different.
What would be good numbers to move to India and retire
byu/Secure-Salt-5461 inreturnToIndia
What stands out is their intention to slow down. They are not jumping straight into another corporate race but are instead open to taking a breather, spending time with family, and rediscovering what brings joy. “We will probably take a break for some time and will find work later depending on our interests, but we don’t want to let it take over our lives.”
Their question is simple, yet profound and it’s one many ambitious professionals have silently asked themselves. “So, what’s a good number to retire early in India and live a comfortable life while raising a child?,” noted the couple. The post has struck a chord, especially among millennials in their 30s and 40s, who are juggling careers, parenting, and a growing urge to break free from burnout to understand how much net worth is needed to make a move back to India.
“33x of your yearly expenses, invested..”
The Internet poured in advices. A user said, “33x of your yearly expenses, invested..” “what city are you planning to move to ? I see you have 3 million in assets which would 25 cr. If I was you, I would FIRE like below: 3 cr: apartment for 4 bed, 2 cr : medical bonus, 1 cr : white good expenses, 12.5 cr: fire corpus * 50* 25 = 25 lpa being annual expenses, 2.5 cr: travel, 4 cr: child education : high fi schooling and higher education back in USA (grad and undergrad). Above to me is almost fat fire but fat fire people will go against me saying you need 100 crores. This is very very comfortable corpus if you ask me unless you are picking south Bombay to live,” added another.
“In city like bombay in posh area like bandra- i just came back after 2 weeks stay. You need minimum 2lkh/mo excluding rent which is 1.25lkh/mo 2-3bhk. If your kid is 5- u move now. If kid is 7-10 then he will not adjust. It will take you 6-12mos to adjust back to India life and EVERYONE WILL BE ASKING U FOR MONEY. If you buy a flat 2-4CR but if you sell it or rent it in 10yrs you will make good profit. Or TAKE MY ADVICE— buy 3-4 flats in cash. You stay in 1 flat and rent other 2-3 flats. Depending on what city you in, most probably you and your kid will not have to work again if you buy correct flat and rent correctly. You CAN LIVE OFF THE RENT,” noted a netizen.
“I have explored the thought, I have been to India many times and sometimes for months in last 5 years. COVID caused cost of living spike like everywhere else but many don’t realize the real estate is in the gutter for last 2 years and I personally don’t think we have a lot of room to grow “exponentially”… so 3cr-4cr should fetch you a nice villa in Hyderabad. Banaglore/Pune are similar or little more.
Daily expenses are like 50k-1L and another 50k-1L for kids education. Any other miscellaneous is 50k more so you expenses would be 1.5L-2.5L max if you already own house or flat. Ohh I forgot about car.. add EMI or just buy one. It’s like 25L-30L for a good one. At modest returns of 5%… 10cr invested after owning house is enough to live. Everything else is just greed… you can’t go on foreign vacation twice a year in this budget but you can live very comfortably. My main concern is pollution, AQI and unregulated usage of all kinds of the chemicals in food chain (many people don’t talk enough about this),” stated a user.
“we have about $5.5M in net worth ($3.6M portfolio and $1.9M real estate). Also keeping an eye on moving to India as an option, though it is a long shot for now. We are US citizens with OCI, which allows flexibility in living in either country. What is your citizenship status? That might determine your long term plans,” wrote a netizen. “Several factors in play. From the place you choose to kind of lifestyle you maintain n your spending habits. If u live in tier 2 smart/well developed city your standard expenses wont go beyond 75k/INR that includes rental, food n some needy things. If u own a house, cost will come down. If ur kid studies in a good standard school, add 30-50k per month on top. As a net net, 2 laks per month would be more than sufficient if u really want a standard+ life. If u find some work there after 12/24/36 months, u will get equal pay per month or more to offset this cost n help you compound to last forever,” added a user.