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##Gachibowli Diwakarams Cricket Disco##
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35,827
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US is a sinking ship....NRI still want to be on it.
Firstly I never said that more people are coming back when compared to people who are going out.I have talked in terms of percentage increases year over year. Keeping that aside, I have already talked about an average guy but will do it again. I hope we are not talking about someone who came long time back. When you talk about lifestyle, we should talk all aspects rathar than just possessions. An average guy coming to US will have to afford doing Masters and lose 2 years. The money spent on Masters and the savings from salary could be invested. Next step would be to struggle in getting a H1B and maintaining it. Inspite of all this, a house and decent car could be bought.....but mostly on loan. He will still have to cook and clean even when work gets hectic or resort to eating outside. Next struggle would be with kids. He would have no support other than parents coming in from India. The brother in India doesn't have to book flight tickets for his parents to visit him Or book flight tickets to make India visits and spend all the accumulated PTOs. Next major issue would be health insurance. Healthcare is cheap in India. Which of the 2 brothers do you think would be able to retire early? In US, after retirement, health insurance in itself would cost couple thousand dollars a month to cover the family. And by the time he becomes a citizen, he will be 50. In the meanwhile, if there is job loss or any other significant event, there won't be a safety net to fall back on in US. Regarding the guy from India, he would be better off renting and using the money to buy land or investing on indexes instead to generate passive income. Rental yeild is very low in India. Its pure stupidity to buy an apartment with low landshare. Don't attribute financial missteps to a problem with the country.- 1
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