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  2. 3 million in liquid cash? Do you mean 3 million in investments?
  3. GOne

    Halwa decodes

    Daring really? Decode aa vattakaya? **** balupu, paisalu ekkuvayi kottukuntaru, elagu pukkatla ochinaye gaa? Politics lo, TG lo manam manam barampuram ani panchukunnaru, lands vundi water leka TG edusthunte, caste , record dancings chesthu, invaders lekka loot chesinaru… chame to chaame razakar and Britishers lekka.. idi decoding kaadu, fact
  4. Sucker

    NFL Season 2025

    Maye gaadu kummuthada kumminchukuntada chudham
  5. Nenonera26

    Estate Planning/Will Help !!

    Found this while browsing and wanted to add that even a simple will made online is much better than having nothing at all. I’m curious if anyone here has used any of the newer digital will or estate‑planning services and how your experience was. Did you involve an attorney or just use a template?
  6. Coconut

    NFL Season 2025

    What is NFL..
  7. Coconut

    NFL Season 2025

    Arenasports.site
  8. Sucker

    NFL Season 2025

    Anna lu any app live commentary ki. Kaasepu drive lo vunta anukunta ivvala. Cheppandi free apps never used before red zone annaru but every detail ivvaru anukunta like cricket commentary type kavali
  9. Marsmangalodu

    Mestrila mida x o tellolla daadi

    Naakenduko vellandariki gundu kumarudu samacharam andinchadani doubt ledante vallaki antha investigate chese scene ledu
      • 1
      • Upvote
  10. Sucker

    ##Gachibowli Diwakarams Cricket Disco##

    BJP quota. Vaade povali inka vadu povodhu ani decide aithe yem cheyyaleru. Vaanni place lo Sundar or Nitish gaanni vesi groom cheyyali rotation base lo injuries chusi. Yenni paan paraag series no one cares so grooming mode lo ki vellali next WC ki. Hope Rohit will retire gracefully but endorsements tie up ki no one say to no money with fame. Every senior player tho idhe problem last lo dhunnukoni podham ani chustharu.
  11. Sucker

    ##Gachibowli Diwakarams Cricket Disco##

  12. babu_bangaram

    Jorse bhagyasri bhorse

    AI generated
  13. ah shetty veru.....usually just single ga shetty ani untadi vallaki. But andhra lo cops ki kolishetty, polishetty, muttamshetty etc etc untai. Maa neighbor ki relative anta, Naveen's mom n dad side and they are cops. Also muttamshetti ane name Pusha part 1 ki one of the production house (Mythri was major though). Allu arjun's own mena mama's are muttamshetti's
  14. There is this sub reddit Indianswingersinusa
  15. On screen 33 real age 35+. Dhanush gaadu proper dhaniki retirement lo. Kids vadhu anukunte inka bonus dhaniki
  16. Dallas lo common anta
  17. Teluguredu

    Evarra meerantha

    Sanathani pramod vs kattar bhavani 🤣 https://www.instagram.com/reel/DSsBVsMEtmG/?igsh=MW05eXNoYW9kYTVidQ== School pillolu madirga endayya idhi.
  18. The_Mentalist

    Halwa decodes

    Arey cut mirchi veedu cheppevi nammuthunnava?
  19. jalsa01

    Which pongal movie do you like

  20. Teluguredu

    Evarra meerantha

    Ori nee ee telangana bathais lo inni groups unnaya ,manchi entertainment 🍿 reality show.
  21. Redarya

    Another star born from kapu community after 40+ years

    Avuna barking dog in anonymous forums
  22. Today
  23. Undilaemanchikalam

    Thinking of retirement..! Read this..

    Retiring at 50: India vs USA vs a Mixed Strategy Corpus, Cash Flow, and Healthcare — and How You Actually Get There Early retirement at 50 used to sound reckless. Today, for senior IT professionals, it often sounds inevitable. Age bias in tech, burnout, and diminishing upside after peak earning years force an uncomfortable question: If I have enough, where should I retire so it actually lasts? This newsletter covers: Retiring in the USA Retiring in India A mixed global strategy Retiring permanently in India with Indian citizenship And finally—because this is the missing piece in most articles— how someone realistically builds the corpus to make this work. The Starting Point (Age 50) At retirement, the financial picture looks like this: $1.5M in taxable ETFs $1.0M in a 401(k) One rental property in the US One rental property in India No primary-home debt In India, key obligations are already ring-fenced: Villa: ₹4 crore Emergency fund: ₹1 crore Kids’ education: ₹5 crore Kids’ marriage: ₹1.5 crore These are not funded from retirement withdrawals. That separation is critical. The Withdrawal Strategy From age 50: Withdraw 4% annually from ETFs Expected long-term ETF return: ~12% Net expected growth after withdrawal: ~8% This provides income without destroying capital. Cost Reality Check United States Living expenses: ~$96,000/year Healthcare (pre-Medicare): $20k–30k/year Total: ~$120,000/year India Comfortable lifestyle: ₹60–72 lakh/year Healthcare: ₹3–6 lakh/year Total: ~₹75 lakh/year Same comfort. Very different math. Corpus Required Using a conservative 4% rule: USA → ~$3.0 million India → ~₹19 crore India-only (with margin) → ₹22–25 crore Healthcare is the single biggest driver of this gap. Strategy Comparison (Quick Recap) USA-only: Works, but low margin and high healthcare risk Mixed India–US: Best balance of flexibility and safety India-only: Simplest, lowest risk, highest resilience How Do You Actually Reach These Numbers? This is the part most retirement articles skip. This outcome is not the result of a single big decision—it’s the result of boring, disciplined choices made consistently over 15–20 years. 1. Fully Fund 401(k) and Roth Accounts First This is non-negotiable. Max out 401(k) every year Use employer match fully Fund Roth IRA / Backdoor Roth when eligible Why this matters: Tax deferral + tax-free growth Creates a future income stream you don’t touch early Reduces taxable income during peak earning years By age 50, this alone can realistically reach $1M+. 2. Invest ~25% of Income into ETFs After retirement accounts, the next priority is taxable ETFs. Broad-market ETFs Low cost Automated investing No market timing Why 25%? High enough to matter Sustainable during peak earning years Builds the flexible corpus you’ll actually live on Over 12–15 years, this becomes the $1.5M ETF engine that funds early retirement. 3. Pay Off the Primary Home This is less about returns and more about psychology and risk reduction in case of job loss. Eliminates fixed monthly obligations Reduces sequence-of-returns risk Makes early retirement emotionally feasible A paid-off home turns retirement from “fragile” to stable. 4. Buy One Rental Property in the US The goal is not empire-building. It’s diversification. Hedge against inflation Partial income replacement Asset in USD Even modestly positive cash flow reduces pressure on portfolios during bad market years. 5. Buy One Rental Property in India This serves a different purpose: INR income Future local familiarity Optional retirement housing or downsizing It also reduces dependence on portfolio withdrawals once you relocate. 6. Delay Buying a Villa or Primary Home in India This is a critical rule. Do not buy a villa or primary home in India while living in the US. Why wait? Preferences change after relocation City, locality, and lifestyle clarity improves Avoid emotional or speculative purchases Instead: Move to India Rent for ~2 years Understand daily life costs and healthcare access Then buy intentionally Funding the Villa and Kids’ Education This is where the strategy becomes elegant. The sale of the US primary home funds: India villa Kids’ education corpus Part of emergency reserves This prevents: Overloading investment portfolios Early withdrawals Lifestyle compromise during retirement Your retirement assets stay invested. Your life assets are funded separately. Why This Works This approach succeeds because: Growth assets are protected Lifestyle costs are controlled Healthcare risk is minimized Big expenses are pre-funded Geography is used deliberately Nothing here is exotic. It’s just well-sequenced financial behavior. Final Thought Retiring at 50 isn’t about luck or timing markets. It’s about: Saving aggressively when income is high Avoiding irreversible mistakes Using geography wisely Separating life goals from retirement income The goal isn’t to be rich forever. It’s to be unbreakable.
  24. nenu_meeku_telusa

    Hotties of X

  25. 7691

    Hyderabad turns 433 years

    Correct tammudu. Osmania hospital, old secreteriat, womens college anni 95-2004 madhyalo vachinavvey. Wiki pedia lo edit chesaru tg vallu
  26. TeluguJaathiRatham

    Another star born from kapu community after 40+ years

    Thats what people called back to your ancestors
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