early retirement alochanalu coming...calling db ppl

[SaradaChinnodu]

I'm in late 30s and is in IT for about 12 years now (all of it in US,came as masters student)...dukanam sardesi Ind podham aney thoughts coming ....malli pothe akkada emadalem ani anipisthundi (nannu eskokandi abba cha ani)....

However, I still need to figure what to do if I really opt for early retirement? May be mid life crisis......hoping to hear from fellow dbians on some ideas and some encouragement...

[jerry1]

gc or usc ochinda?

[SaradaChinnodu]

Just now, jerry1 said:

gc or usc ochinda?

raledu bro @jerry1...monna bus miss ayindi...malli eppudo...

[dasari4kntr]

you and me are in same boat...

nenu target pettukunna next 9 years...balavantam ga ee job cheyyali ani...after that kid will grow and he can decide where he can stay...but i will retire and go back...

[ForEverJava]

Regarding gc ite post 2015 Jan oka 8 to 10 yrs don't think about it ..based on eb1 and row cutoff dates demand is super high..

[SaradaChinnodu]

13 minutes ago, ForEverJava said:

Regarding gc ite post 2015 Jan oka 8 to 10 yrs don't think about it ..based on eb1 and row cutoff dates demand is super high..

nenu Oct 2013 bro...danikey oka 5-8 yrs anukuntunna 

[csrcsr]

physcial mental strength unnaantha varaki work chestu ne undali ani peddalu chepparu, bhgavadgita lo cheppary may be its job, business or anything may be you can retire little early , e early retirment videos, vlogs manaki ardam kaadu chudadaniki baguntayi 

people might say contentment , thats different from early retirement 

 

[BMDablu]

work aapesthe mind will become devils work shop.. my suggestion is to just stop running in rat race and walk slowly for rest of life 

[BommaliNinnodhala]

1 hour ago, dasari4kntr said:

you and me are in same boat...

nenu target pettukunna next 9 years...balavantam ga ee job cheyyali ani...after that kid will grow and he can decide where he can stay...but i will retire and go back...

Motivated individual ki self motivation undi 

[Vaampire]

You know about ur financials. Early gaa retire ayyaka survive avvadaniki saripada money unnaya? India lo mortgage free home & fixed income unda?

 

FIRE: financial independence and retire early.

 

financial independence lekhapothey, just continue what ur doing.

[ramudu]

1 hour ago, dasari4kntr said:

you and me are in same boat...

nenu target pettukunna next 9 years...balavantam ga ee job cheyyali ani...after that kid will grow and he can decide where he can stay...but i will retire and go back...

Based on the survey results and experiences shared by participants, I categorized the life cycle of immigrants into four different generic phases (Transform, Settle, Growth and Suffer) as shown in the graph below. Every person’s life is different so the depicted life cycle or living conditions may not apply to every NRI. It may vary for few people and life events may overlap between phases. This might be totally different for the new NRIs coming to the US because of longer green card wait time and ever changing immigration policies.

 

main-qimg-9dd9888321fb4f3dc6c61825a6a3ff58.webp

Now let me describe these phases with typical life events.

 

Transform Phase (21 to 28 years): This an excitement phase which starts right from India after getting the US visa. One tries to get to know the culture of the US, what to do before and after entering the US and starts living the American Dream. Parents feel proud of this great achievement by their kids and start making big expectations and hopes. Starts sharing this news to neighbors and relatives and throw a big party as if their kid already succeeded in life. Arrives in the US without the awareness that he/she broke generations of living together and unity in their families. Typically nobody think or care about how life will be in the US after 40s, 50s or 60s in this stage. One gets really amazed with the best infrastructure of America and starts loving it. Gets used to American life style with few hiccups. Starts making some money and will have parties, shopping, vacation trips and realizes that life is very comfortable in the US. Transfers money to India to support family and talks to relatives and friends and shares the greatness of America. Parents will start looking for a bride/groom. Starts green card process to continue living in American dream.

 

NRIs are very happy in this phase with lots of excitement and joy that American life brings in.

 

Settle Phase (28 to 40 years): After a couple of trips to India, gets married and spouse arrives in the US. Couple is very happy in the beginning with vacation trips and parties. Realizes that expenses are higher than living as a bachelor. First baby arrives and parents and in-laws visit America. Advances in green card process, switches jobs and moves to new locations. Second baby arrives and then visits India with kids. Realizes that their parents are not quite happy staying alone in India. Also realizes that India has changed a lot and quite expensive than ever. Thinks that they may not be able to fit in India and also India is not a right fit for the kids. NRIs usually decides to go on the path of settling down in the US with a backup plan of going back. Buys Town Home/Condo and switches to luxury cars. Realizes that single income is not really sustainable in the US. Wife decides to do a job instead of getting bored at home. So Income doubles, savings doubles but stress levels go up. Green card arrives and they feel relaxed of immigration issues. Vacation trips becomes hard with little kids so no big vacations.

 

Happiness level comes down due to missing family relationships and not able to take care of aging parents.

 

Growth Phase (40 to 50 years): Moves on career ladder and starts making big bucks and also start making big bucks from secondary sources of income like stocks. Some might start a startup company or any business. Usually pretty busy with kids school and extra curricular activities. Buys a single family home and moves to a bigger home. Kids are grown up now so vacations are back. Parents are not able to visit because they don’t like to stay in the US. Also parent’s health will become a big concern. Makes few arrangements for parents in India but they are always temporary. Few realize that their friends in India have made more money in India than them. Realizes that they need to focus more on health aspects so starts some physical activities to keep their body fit.

 

Higher income, higher savings and most successful phase (professionally) for most people but happiness level further comes down because of lack of relationships.

 

Suffer Phase (Above 50 years): Kids usually finish their high school and go to a college. All savings will vanish in kids college education. Kids finish their education and start their job at a different place in the US. The couple is alone at big home away from parents and away from kids. They cannot think of going back because of kids and setting up everything from scratch in India would be a daunting task. Whenever they visit India they clearly see that family relationships are faded away because of settling in US. Most people thought that early in growth phase would have been an ideal situation to go back to India before kids enters middle school with a mind set of going back in settle phase.

 

Most people expressed that “We got everything we wanted in life, but we lost all relationships”. Some people expressed concern like “I wish I knew the downsides or effects of immigration later in the life”.

 

Starts indulging deeply in social and charity activities to keep them busy and also for social recognition. Usually takes up American citizenship in this phase while some takes up in growth phase only.

 

Works until 65 years of age to pay off mortgage and retires at the age of 65. After 65 years they start getting social security and healthcare benefits from government. But they continue to work in some retirement jobs to keep them busy or to earn some extra income for unknown expenses.

 

Just to summarize, life is happy in the beginning but happiness tends to fade away and brings suffering to life after 50s. Materialistic culture of America makes you a successful person professionally and materialistically, but deserts your life. One interesting observation during this study — most of the people who immigrated to America had no plans to settle in the US and most of the settled ones said, “We are not sure we might go back”.

 

Every NRI looks like a happy person from outside but everyone has a dark side story to tell from inside of their heart.

 

Life in the US rotates around profession, immigration process and kids. NRIs tend to “sacrifice their life for kids of next generation.” Kids seems to be happy with no complaints about life as they are in young age; the second generation, Indian-Americans, will have friends but might not have family relationships too? So they might end up in the same boat after 50 years age? Needs further research…

[Dimpy123]

1 hour ago, SaradaChinnodu said:

I'm in late 30s and is in IT for about 12 years now (all of it in US,came as masters student)...dukanam sardesi Ind podham aney thoughts coming ....malli pothe akkada emadalem ani anipisthundi (nannu eskokandi abba cha ani)....

However, I still need to figure what to do if I really opt for early retirement? May be mid life crisis......hoping to hear from fellow dbians on some ideas and some encouragement...

2 millions in stocks - average dividends 60k - 80k

ikkada house sell chesi India lo buy 

Business start cheyali ani plan 

[Dimpy123]

Ikkada chala years unna tharvatha, India lo kastam antaru, village lo poi settle ayi peaceful life 🙊

[dasari4kntr]

6 minutes ago, ramudu said:

Based on the survey results and experiences shared by participants, I categorized the life cycle of immigrants into four different generic phases (Transform, Settle, Growth and Suffer) as shown in the graph below. Every person’s life is different so the depicted life cycle or living conditions may not apply to every NRI. It may vary for few people and life events may overlap between phases. This might be totally different for the new NRIs coming to the US because of longer green card wait time and ever changing immigration policies.

 

main-qimg-9dd9888321fb4f3dc6c61825a6a3ff58.webp

Now let me describe these phases with typical life events.

 

Transform Phase (21 to 28 years): This an excitement phase which starts right from India after getting the US visa. One tries to get to know the culture of the US, what to do before and after entering the US and starts living the American Dream. Parents feel proud of this great achievement by their kids and start making big expectations and hopes. Starts sharing this news to neighbors and relatives and throw a big party as if their kid already succeeded in life. Arrives in the US without the awareness that he/she broke generations of living together and unity in their families. Typically nobody think or care about how life will be in the US after 40s, 50s or 60s in this stage. One gets really amazed with the best infrastructure of America and starts loving it. Gets used to American life style with few hiccups. Starts making some money and will have parties, shopping, vacation trips and realizes that life is very comfortable in the US. Transfers money to India to support family and talks to relatives and friends and shares the greatness of America. Parents will start looking for a bride/groom. Starts green card process to continue living in American dream.

 

NRIs are very happy in this phase with lots of excitement and joy that American life brings in.

 

Settle Phase (28 to 40 years): After a couple of trips to India, gets married and spouse arrives in the US. Couple is very happy in the beginning with vacation trips and parties. Realizes that expenses are higher than living as a bachelor. First baby arrives and parents and in-laws visit America. Advances in green card process, switches jobs and moves to new locations. Second baby arrives and then visits India with kids. Realizes that their parents are not quite happy staying alone in India. Also realizes that India has changed a lot and quite expensive than ever. Thinks that they may not be able to fit in India and also India is not a right fit for the kids. NRIs usually decides to go on the path of settling down in the US with a backup plan of going back. Buys Town Home/Condo and switches to luxury cars. Realizes that single income is not really sustainable in the US. Wife decides to do a job instead of getting bored at home. So Income doubles, savings doubles but stress levels go up. Green card arrives and they feel relaxed of immigration issues. Vacation trips becomes hard with little kids so no big vacations.

 

Happiness level comes down due to missing family relationships and not able to take care of aging parents.

 

Growth Phase (40 to 50 years): Moves on career ladder and starts making big bucks and also start making big bucks from secondary sources of income like stocks. Some might start a startup company or any business. Usually pretty busy with kids school and extra curricular activities. Buys a single family home and moves to a bigger home. Kids are grown up now so vacations are back. Parents are not able to visit because they don’t like to stay in the US. Also parent’s health will become a big concern. Makes few arrangements for parents in India but they are always temporary. Few realize that their friends in India have made more money in India than them. Realizes that they need to focus more on health aspects so starts some physical activities to keep their body fit.

 

Higher income, higher savings and most successful phase (professionally) for most people but happiness level further comes down because of lack of relationships.

 

Suffer Phase (Above 50 years): Kids usually finish their high school and go to a college. All savings will vanish in kids college education. Kids finish their education and start their job at a different place in the US. The couple is alone at big home away from parents and away from kids. They cannot think of going back because of kids and setting up everything from scratch in India would be a daunting task. Whenever they visit India they clearly see that family relationships are faded away because of settling in US. Most people thought that early in growth phase would have been an ideal situation to go back to India before kids enters middle school with a mind set of going back in settle phase.

 

Most people expressed that “We got everything we wanted in life, but we lost all relationships”. Some people expressed concern like “I wish I knew the downsides or effects of immigration later in the life”.

 

Starts indulging deeply in social and charity activities to keep them busy and also for social recognition. Usually takes up American citizenship in this phase while some takes up in growth phase only.

 

Works until 65 years of age to pay off mortgage and retires at the age of 65. After 65 years they start getting social security and healthcare benefits from government. But they continue to work in some retirement jobs to keep them busy or to earn some extra income for unknown expenses.

 

Just to summarize, life is happy in the beginning but happiness tends to fade away and brings suffering to life after 50s. Materialistic culture of America makes you a successful person professionally and materialistically, but deserts your life. One interesting observation during this study — most of the people who immigrated to America had no plans to settle in the US and most of the settled ones said, “We are not sure we might go back”.

 

Every NRI looks like a happy person from outside but everyone has a dark side story to tell from inside of their heart.

 

Life in the US rotates around profession, immigration process and kids. NRIs tend to “sacrifice their life for kids of next generation.” Kids seems to be happy with no complaints about life as they are in young age; the second generation, Indian-Americans, will have friends but might not have family relationships too? So they might end up in the same boat after 50 years age? Needs further research…

maa vaadu chinna pillodu ayyunte …ippude vellipoyevadini…but he is teen…he cant adopt india in teenage…this cultural change will give negative effect on him…so thats why waiting..

[ramudu]

18 minutes ago, dasari4kntr said:

maa vaadu chinna pillodu ayyunte …ippude vellipoyevadini…but he is teen…he cant adopt india in teenage…this cultural change will give negative effect on him…so thats why waiting..

Life in the US rotates around profession, immigration process and kids. NRIs tend to “sacrifice their life for kids of next generation.” Kids seems to be happy with no complaints about life as they are in young age; the second generation, Indian-Americans, will have friends but might not have family relationships too? So they might end up in the same boat after 50 years age? Needs further research…