For many NRIs, moving abroad brings financial security, better opportunities, and stability. But after years of living away from home, the idea of returning to India becomes stronger.
One couple in their early forties is now seriously thinking about coming back after spending many years in the United States on an H-1B visa. The constant uncertainty of immigration rules and the stress of paperwork have made them reconsider their long-term future abroad.
Their plan is to move back to India in about four years. By then, their daughter will have completed high school. She may continue her education in the US on an F1 student visa, while the parents start building their life in India again. They explain their plan on Reddit and is seeking suggestions from Redditors.
Planning on money management
Their current net worth in the United States is around Rs. 6 crore. They hope to buy a comfortable home worth around three crore.
The rest of the money, they believe, will generate enough interest or dividend income to support their simple lifestyle without needing a full-time job.
The couple describes themselves as quiet and peaceful people. They are vegetarian, do not drink or smoke, and are not interested in parties or a fast social life. Instead, they enjoy nature, hiking, boating, gardening, and growing their own food. A calm and slow routine feels more meaningful to them than life in a busy city.
Searching for the right location
Though originally from Delhi, they are exploring the idea of settling in the southern part of India. They are drawn to smaller cities and towns that offer greenery, pleasant weather, and a slower pace.
Places like Ooty, Coimbatore, and Kochi appeal to them because these areas offer natural beauty and space for gardening and outdoor living. One thing they are trying to understand before making a final decision is whether moving to the south will be culturally easy
‘Have a proper plan first’
Netizens on Reddit also shared their opinion. A user noted, “Don’t buy a house as you reach here. Understand the surrounding first. Stay put in any metro city and then make a move to serene places. Languages matter; don’t take this lightly.”
“Please post this maybe after 3 years; then it makes sense. No offence. Things will change, priorities will change…people will change… 4 yrs means a very long time… dude. Also language matters because you deal with local people on a daily basis. It’s better to know the local language if you’re considering tier 3 cities,” added another.
“You should not buy right away since renting is a much more economical option. If you can get to 10 crore in four years, which is possible since by then the dollar rate will probably hit 100, then you can put that in an FD and get around 72 lakhs in interest a year pre-tax and around 54 lakhs a year post-tax, which will give you a very good lifestyle anywhere in India. If you set aside 1 lakh per month for rent/utilities/household help, you still have another 3.5 lakhs a month for personal expenses or savings,” opined a user.
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