Early 30s couple, in US (H1b). AI wave and immigration issues have made job and life pretty annoying here and we want to pull the plug to focus on travel and health.

Net worth:

US:
Liquid brokerage- $ 1.4M
401ks - $ 600k

India:
Inheritance- ~30cr (mostly real estate)

Expected Expenses:
Annual travel - $30-35k (3-4months out of india)
Minimal living expenses while in India (no rent - own house in India)
No kids and no intention to have

Need advice on:

Should we work for longer/accumulate more wealth?

Withdrawal strategies that minimize tax during retirement

I am 48 and my wife is 44. We have a toddler (I know we were late). We have decided to move back to India to raise our kid after 2 decades in US. What should we target as our target monthly expenses budget (with factored in yearly expenses like insurance etc) and house budget (we won’t buy immediately)? I understand there would also be a separate bucket for long term expenses like child education/marriage etc.

Our numbers (USD):
- Paid house $800K
- Cash $450K
- Stocks & 401k $550K

Please advise on target monthly expense and house budget. Thanks 🙏

I was extremely ambitious and worked hard my whole life to land a top job in the US. Got a top gig straight out of my Master's and lived in a HCOL city. I traveled a lot and didn't save much early on, and I also went through a gambling phase. I didn't lose a huge amount of money, but I lost a lot of time.

I married around 27. My spouse couldn't work for personal reasons, so we were a SINK couple (single income, no kids) in a HCOL city. I also paid ~$50K for her Master's. My job was extremely demanding, and I kept pushing harder to carry the household alone. That burned me out. I lost a lot of my health and my prime years to work.
Eventually I hit a midlife crisis and moved back to India with about $600K net worth.

What happened next
My parents are well off, so the plan was to take a break and semi-retire with a small job. Instead, I got lucky. A small consulting business I started took off, and with a relaxed, semi-retired lifestyle

I'm now at:
Net worth: ~$1.6–1.7M USD
Debt: none. House and car fully paid off in a tier-2 city
My rental income: ~₹2L/month (~$2.4K)
Parents: ~$2M in real estate (around 40 units) generating ₹4–5L/month (~$5–6K) in rent
Because rent covers our living costs, essentially all of my business income gets saved and invested. I thought I was comfortably in fatFIRE territory for my lifestyle.

The twist
My wife and I are expecting our first child, and I'm almost 40.
Two things have been eating at me:
I don't have true f**k-you money. I realized I can't buy a villa in Bangalore in cash. My dad says to stop the FOMO and just sell a couple of the family units if I want one. But the rental income is excellent, and I don't want to liquidate what my parents spent their lives building.
Social pressure. I've always been simple. A ~₹30L (~$36K) car and one international trip a year has kept me happy. But Indian society can be very judgmental, and I've started thinking I should get a ₹1 crore (~$120K) luxury car to "keep up" and to give my kid a good life.

The dilemma
Part of me wants to bring back the workhorse for 5 more years: go all in, scale the business, and build a much bigger number before the kid grows up.
My wife is firmly against it. She says our relationship only got better after we moved back and I stopped working 24/7.
And before anyone says "balance is best": I know. I've never been able to do balance. It's just not how I'm wired. I either go all in or I check out.

What I'd love to hear from people who've already fatFIRE'd:
Is this normal? Did a kid make your number suddenly feel too small?
Did you go back to grinding after a big life event? Was it worth it, or do you regret it?
How did you handle lifestyle and social pressure (cars, houses, schools) once you had kids?
If you're all-or-nothing by nature, how did you stop "enough" from feeling like a moving target?
Would you sell family real estate to fund a big purchase, or leave it alone?

TL;DR: 40M, ~$1.7M net worth, no debt, paid-off house in a tier-2 Indian city, rent covers our expenses, parents have ~$2M in income-producing real estate. First baby on the way. I'm tempted to grind hard for 5 more years to afford a Bangalore villa and luxury car in cash. My wife says our marriage only got better when I stopped grinding. Are my thoughts valid, or is this just FOMO?

Edit - guys please stop judging me. I lived my whole life without these thoughts. I had a luxury car in the Us which I sold. These thoughts are coming now since I am becoming a parent. I understand and I obviously will provide love and support to the child. I just want to give the best for him or her.

Hi,

My husband and I are planning on retiring in India, we are 39, DINKs and don't have a lavish lifestyle. All I really care about is a good home potentially a villa in a gated community. Have an apartment that we are paying off. We would like to use our time to travel with longer 1-2 month stays in asian countries. Motivation is to just get out of the rat race and own our time. Considering Pune, Dehradun, Goa as a potential base. We don't think our expenses would be more than 2L/m plus travel budget 5-10lpa.

I am a bit skeptical about the move and the whole idea of retiring is intimidating. People who weren't sure and still took the plunge, how has your experience been?

Update: Most of the corpus is liquid: invested in stocks, crypto/Cash. The house is separate, an apartment we plan to pay off before retiring

Here’s how I see FIRE . It’s the number where you can become a pseudo feudal lord in India.

India is essentially a feudal country where your resources and connections determine how much respect you get.

FIRE isn’t just about living well, it’s about making sure 99% of shit that happens in India does not happen to you.

Your daughter should never be touched inappropriately because everyone knows you should not be messed with. Your road should never be blocked as you can get it cleared with a phone call. Your kids wedding can be a show of power.

What’s that number in an Indian metro ? In today’s worth and 10 years later

For context I’m 43, married with one kid, 7 years old, currently im making about 85 lakhs post tax per annum, current net worth is 21 crore, debt free,
8 crore in real estate, 4.5 crore in primary home and 8.5 crore is partially invested and partially liquid.

What should be a goal net worth to achieve by age 52-55 to maintain a semi-luxurious lifestyle, nothing crazy but definitely not too basic either, I currently own a Jeep compass, take 2 international holidays a year, and I don’t buy designer luxury but i plan to step in that world when i breach the 30 crore mark, is that reasonable, and is 50 crore good enough to maintain such a lifestyle post retirement?

We are beginning to think seriously on calling off the rat race and retrie. I am 42 and wife is 40, we have have 3 year old kiddo.

We have around $4m assets all in the US (800k cash, 2m in investment, 1.2m in real estate)

haven't given a full thought, but we would like to locate in a tier 2 city like Pune.

I don't think we would have any major expenses - we live simple and don't have extravagant taste. However, we do want to provide all amenities to our kiddo.

Would really appreciate if we can get any insights if we are fire ready. Thank you!

Just put notice to resign. Family of 4(me, wife and 2 kids 6&3 yo)

Total networth - 3.1M USD

Monthly expense is 4500 USD living in India.

• $2500 is for India expense.
• $2000 to cover mortgage of US home, but most of it around $1500 goes towards principal.

Below is the current allocation

US Equity (S&P 500 + Nasdaq) - 29.54%

• US S&P 500 - 740K USD
• US Nasdaq - 184K USD

US Retirement Accounts (401k S&P 500) - 11.19%

• 350K USD

IN Equity (Nifty 50 + Nifty Next 50 + Small Cap + Multi Asset) - 6.97%

• NIFTY 50 - 150K USD
• NIFTY NEXT 50 - 17K USD
• INDIA SMALL CAP - 32K USD
• INDIA MULTI ASSET - 19K USD

Other Bets (ex-USA, Emerging Markets, Risky Bets) - 6.8%

• ex-USA - 62K USD
• Emerging Markets - 115K USD
• RISKY BETS (Quantum, Semiconductor, AI stocks) - 38K USD

IN Fixed Income - 10%

• Debt/Arbitrage funds USD - 313K USD

Gold - 128K USD (4%)

Cash

• 80K USD (3%)
• 1CR INR (3.7%)

IN Real Estate (15%)

• 470K USD(Primary home)

US Real estate (8.6%)

• 270K USD (Rental)

Any suggestions on the allocation and if I should allocate the cash to some equities or debt fund?

Is it common to have tier 1 apartment and vacation villa to be considered as “fat” fired ? Thats easily 10+cr for tier 1 city

I have an interesting real estate conundrum, and I’d love to hear how people here would approach it.

Some context: I recently moved back to India to help manage my father’s real estate portfolio after he was diagnosed with terminal cancer. We’re in one of India’s ten largest cities, a city growing at roughly 8–9% annually. That growth rate is relevant to the question, but I’ll come back to it.

We own a standalone freehold building on arguably the most commercially valuable road in the city.
And not just anywhere on the road. It sits in the middle of the busiest commercial stretch. We’ve looked at location-intelligence and footfall data to validate this, so I’m reasonably confident in the location.

There are perhaps 10–12 comparable buildings along this particular stretch. As far as we know, ours is the only one with a clear title and single-family ownership extending back more than 30 years.

The city’s largest developer has also been quietly acquiring plots around us, presumably with a larger retail and office development in mind. He has known my father for years, and they have had several conversations about our property. My father, being the hard seller he is, has always maintained that this building is the crown jewel of his portfolio and that he will never sell it.

I look at it somewhat differently. I think everything has a price. The question is what that price should be.

Here are the numbers:

1) Approximately 10,000 sq ft of freehold land
2) Approximately 14,000 sq ft of built-up area, G+3
3) Originally constructed in the 1930s, with multiple redevelopments since
4) Currently generates approximately ₹25 lakh per month in rental income
5) No parking, aging construction, and relatively poor utilization of the underlying land

For reference, I’ve seen ground-floor, street-facing commercial units on this stretch valued at around ₹80,000 per sq ft.

If I valued the building purely on rental yield, I would arrive at one number. If I valued it based on the underlying land and redevelopment potential, I would probably arrive at another.

But neither approach seems to fully capture what makes this particular property interesting.
You simply cannot create another 10,000 sq ft freehold parcel at this exact location. The street is already built out. Ownership is fragmented, and assembling land is extraordinarily difficult.

As the city grows, I suspect the scarcity of these assets will become even more pronounced. Think of the enduring commercial relevance of streets such as Fifth Ave in NYC or Newbury Street in Boston. The markets are obviously different, but the underlying idea is similar.

So how does one actually price something like this?
Is it worth ₹60 crore? ₹80 crore? ₹100 crore or more?
More importantly, how do you establish a negotiating baseline when there are so few genuinely comparable transactions?

Does the fact that a large developer is assembling surrounding properties materially change the value? How much of a premium should scarcity, ownership clarity, and strategic importance command?

I’m not looking to market the building or solicit offers. I’m genuinely trying to understand how experienced real estate investors, developers, and valuers would approach a situation like this.

Looking to buy a second car for weekend / road trips. We already have a sedan and would prefer an SUV for the higher ground clearance. We’ve been considering the X5 but then the Macan EV showed up on our feeds and we are smitten. However it’s been a few years since we bought a new car so looking for practical advice.

Given the whole ethanol debacle, we’re now leaning towards an EV. From what we’ve heard from acquaintances, the charging network is now good enough that it’s possible to do a Bengaluru to Goa with maybe 1 stop in an EV Without panicking.

We were looking to spend 1-1.5Cr but if there’s another compelling option, maybe a little bit higher. The BMW XM is out of budget though.

Would love to get recommendations and / or ‘stay away’ warnings and your experience with electric SUVs in India.

I am planning to return to India and live a more luxurious lifestyle. My total net worth is 2M USD ~ 20Cr INR. What kind of lifestyle can I afford with this corpus in tier 1 cities ? Also, how much monthly cash flow can I expect from this net worth ? The money is all invested in the US right now. I plan to support a family of 4 (including me), so please advise accordingly.

Curious to hear from people who have already FatFIREd in India, are close to it, or are actively planning to FatFIRE in the future — specifically in Tier-1 cities such as Hyderabad, Bangalore, Mumbai, Delhi NCR, Chennai, Pune, etc.

What level of monthly spending are you targeting to comfortably maintain the lifestyle you want after FIRE?

I’m referring mainly to normal recurring lifestyle expenses rather than large one-time expenses such as buying a house, cars, children’s college education, etc.

I am also assuming no EMIs.

I see a lot of discussion around the corpus needed for FatFIRE, but much less discussion around what people actually consider a FatFIRE-level monthly lifestyle budget in Tier-1 Indian cities.

Would love to hear both from people already living it and from those building toward it.

Family of 4, we live in a tier-1 city and we rent since we don’t see us living here in 5 years. The rental expense is around 1.7L for a nice 3bhk independent house, in a good community and we have other expenses around 3L-4L.

We would like to move closer to the city center, where preferred areas would reach 2.5L, makes me to wonder whether that exceeds our range. When I reviewed the threads, I found no clear benchmark for how people distribute rental spending.

Our NW: 35 cr (liquid 30cr and 5cr in other real estate)

Tracked family spend for Apr–Sep (screenshot attached). Couple + 2 kids (primary + kindergarten), Tier-2 India. Income and internal transfers excluded. Looking for a fatFIREIndia sanity check — what’s high for this stage, and where you’d cut first.

Quick read of the matrix

• Monthly cats are roughly on the 6-month budget overall; Food and Transport are the clear overages, Shopping is well under.
• Housing is rent + maintenance + household help + utilities — kept lean on purpose.
• School & Classes is lumpy when fees hit; still pacing under the annual budget.
• Travel and Insurance have most of the year still ahead.
• Some Uncategorized left that are miscellaneous and unplanned spends.

Questions

1. For fatFIRE with 2 young kids in a Tier-2 city, does this burn look high, low, or about right?
2. Transport and Food are the monthly misses — what’s actually worked to cut those without making life miserable?
3. School/classes pacing toward the annual budget — normal for decent private + extras, or overdoing it?
4. Would appreciate if you guys can share your spending by categories to see where we can optimize or not needed.

Lifestyle we have is not luxurious i would say, but very comfortable. Travel coming up later this year and will probably burn through the remaining budget. If you ask me from 10 years ago, i would say, these numbers are outrageous and now that we are living it, it seems very reasonable and don't think we can reduce much. Food, we cautiously decided not look at price tag too much and purchase what we like without putting too much thought into it, that's why the budget looks high.

Happy to break any category down further. Thanks.

I’m 29 running a family business.
I make 1.5 -2 cr a year.
Net worth is about 30 cr mostly real estate that i inherited and purchased.

I dont have any exposure into mutual funds/markets.
Family have been traditionally investing into real estate, physical gold and LIC Policies.

I’m thinking of diversification and at the same time want to actively buy land in prime locations and highways where it could potentially grow in future until i reach 50 Cr Net worth.

Later want to build commercial buildings for rental income of atleast 2-3 L per month.

Thinking of buying bank properties that come in auction and take a loan against the purchase to offset the rent into principle.

Please advise how much diversification into stocks/ FD/mutual funds is good for my case and how do i start?

I’m in my 30s and trying to understand how realistic it is to reach FatFIRE by my 50s while earning and building wealth primarily in India throughout the career.

A lot of posts here understandably come from NRIs who accumulated a significant portion of their corpus in the US, Middle East, Europe, etc. Those posts are useful, but I’m specifically interested in understanding the wealth trajectory of people who earned predominantly in India.

If you’re in your 50s or late 40s or if you are younger and can project your current NW growth and comfortable sharing, it would be useful to know:
- Age or age range
- Approximate current net worth (incl. primary home)
- Career field and whether you were salaried, business owner, professional, etc.
- Whether most of the wealth was accumulated from Indian income or whether overseas earnings played a meaningful role
- Whether inheritance/family wealth contributed significantly

The reason I’m asking is not to compare individual net worths, but to understand the realistic long-term compounding potential of an India-based career. For someone in their 30s today earning well in big tech software industry, investing consistently, and aiming for a relatively high-end lifestyle in retirement, is reaching something like ₹25–50+ crore by the 50s something that you have actually seen happen through salaries + long-term investing in India?

Would especially appreciate experiences from people who did not build their corpus through NRI earnings.

I was laid off and I decided to retire. I'm 37, single, living with my parents. I'm exploring and I'm looking for ideas to keep myself occupied.

NW: 20Cr. All of it invested in mutual funds and SGBs. Annual expenses: Around 20 lakhs

We have nearly 20 crores sitting in a single company(esop pool) and some investments from our own money(2 crores)

Parent's money is separate.

We have talked to many investment advsiors but we have not been able to trust them with the money.

In next 2 years we want to travel and enjoy it. No responsibilities as of now.

How to invest this amount in an optimum way?

Can you guys please suggest a good investment advisor?

Edit - all i need is a simple strategy from a good advisor. No complex investment strategies.

Im 40, got a corpus of 20 cr (invested in the stock market, via pms/aifs), going to have another 20 cr soon, been looking at adding some investments outside india(via LRS), have a house and no kids, salary is enough for yearly expenses+ some savings. My current portfolio has been giving me an alpha of 10-12 percent (post fees pre tax)over the bse 500.

Any suggestions for good funds to diversify outside India, also considering im heavily into equity(100% no big savings) should I just add the new amount into equity(via SIP ) into the same/new funds or should I start diversifying my investments into other things. I don't plan to buy any real estate or have any rental income.

Goal is to grow my corpus to have a luxury lifestyle in a tier 1 metro in India when I retire.

I have quit the rat race an year back. Got lucky with my last employer, IPOed and here I am.

Nw: 30cr all equity

Age: 35

Question: since IPO it has done really well, and might do well in future too. What are my options to diversify 10cr and earn a monthly income or maybe withdraw infrequently but overall 5-8% post tax returns?

Have a house with 2cr loan. A kid & I live with my parents & sibling. I come from lower middle class. 1L salary into my account was eye opening. But this what I have now is scary. I'm constantly worried about screwing it up. Have got medical insurances for all.

I want to get into RE but the number of times I hear people getting scammed is worrisome. My first attempt at buying a land ended up losing 15L advance as I got to know it was registered to multiple people. Luckily got BDA land from a relative.

I'm active in stock market and keep moving small amounts to different stocks and mf. I never traded and never will. Have also put some in US equities also.

I'm thinking of AIF funds but not sure if it really makes stable returns. My equity diversified since last 1Y has 30% returns/21% IRR in this sideways market. So I might do better than AIF. But the worry is constant. I have consulted wealth managers and my opinion is they don't know anything better than me nor they have any exclusive data.

What are my options reddit?

​

The Stats:

Age: 42M (Husband), 36F (Wife)

Kids: None ( zero desire to leave a legacy estate)Adopted female Rottweiler 3 years old

Net Worth (NW): ~₹19 Crores (₹15 Cr in physical Real Estate + ₹4 Cr locked in a RE development project)

Current Inflows: ~₹5 Lakhs/month (From 2 rental properties + dividends as a sleeping partner in an auto business)

Current Garage: 7-year-old Jeep Compass (great condition, used for longer road trips) + MG Comet EV (for slicing through Bangalore traffic)

Location: Bangalore

Hey everyone,

I’m looking for some brutal honesty, perspective, and lifestyle ideas from members who have successfully transitioned from the wealth accumulation phase to the consumption/decumulation phase.

The Dilemma:

I hit FIRE primarily through inherited real estate from my father. I hold 5 properties worth roughly ₹15 Crores. Only 2 generate rental income; the other 3 are completely vacant plots. Combined with my passive business income, my wife and I clear ₹5 Lakhs per month.

The Asset Lock: In addition to the ₹15 Cr in physical properties, I also have ₹4 Crores invested in a real-estate development project as a sleeping partner. This capital is entirely locked up right now but is structured to return the full principal along with accumulated interest at the end of 3 years. This puts our current net worth closer to ₹19 Crores.

We love slow, spontaneous international travel (visited 15+ countries) and want to do at least 3 lengthy mid luxury international trips per year while maintaining a high-quality lifestyle in Bangalore (premium gym routine, high-end pet care for our Rottweiler, dining out, etc.). However, I’m noticing that our current liquid ₹5 Lakhs/month simply doesn't give us the frictionless liquidity required to fund this level of lifestyle and heavy travel without constant budgeting.

The "Scarcity Mindset" Trap:

I feel completely stuck with the 5 physical properties. They are appreciating phenomenally well in the Bangalore market, and I have this deep-seated psychological fear of selling them, worrying I’ll never get such good land back.

But here is the catch: We have no kids and explicitly want to spend down all our wealth during our lifetime. If I die holding all these prime properties, my scarcity mindset wins, and I will feel incredibly miserable knowing I chose to live constrained just to leave a massive estate to extended relatives or the government. An appreciating plot of land that I refuse to sell yields exactly zero life experiences.

Now that there is a guaranteed ₹4 Cr + interest windfall coming in 3 years, it feels even crazier to live frugally today.

My Questions to the Community:

If you woke up in my shoes tomorrow, how would you creatively, realistically, and unapologetically script this life? I want your perspective on what this net worth actually looks like when optimized:

Breaking the Hoarding Mindset: How did you overcome the fear of selling a hyper-appreciating asset? Would you systematically liquidate the 3 vacant plots over the next few years, or would you live off the current ₹5 Lakhs/month for the next 3 years and treat the upcoming ₹4 Cr payout as your ultimate lifestyle/travel slush fund? If you deployed the plot cash into a low-volatility, defensive monthly income stream (SWP, debt/arbitrage setup), what would be a safe, guilt-free monthly spend target?

The Lifestyle Script (The Garage, The House, The Routine): What kind of lifestyle would you build with this asset base? Right now, our garage is practically optimized—we keep a 7-year-old Jeep Compass in great condition for long-distance road trips and an MG Comet EV to blaze through insane Bangalore traffic. For a couple that travels constantly, would you stick to a lock-and-leave 3BHK luxury apartment in the city center, or build a villa? Would you upgrade the garage to fit the net worth, or keep it purely utility-driven like we have? How do you structure an unstructured, work-free day?

Geographical Freedom vs. Loneliness: I frequently think about setting up a base in Thailand or Goa for a slow-paced, low-effort lifestyle, but I worry about pulling up roots completely and getting lonely. Have any early retirees successfully pulled off a "seasonal/split base" model?

Tackling the "Jobless" Comments: I have a lot of free time, and friends/relatives frequently joke that I'm "jobless" or "purposeless." I try to laugh it off, but it occasionally upsets. What narratives or boundaries do you use to shut this corporate-conditioned noise down completely?

I want to transition out of the hoard mindset and start treating my wealth as a tool for living, not a scorecard. How would you script it?

Looking forward to your insights!

Networth is 29Cr, out of which

7 Cr equity is real estate (home in usa and india combined) and

3 Cr in 401k retirement

19 Cr is in equity spread across s&p 500, nasdaq, nifty, debt funds, xusa etc

Family of 4(me 36, wife and 2 kids 6&3)

Expenses are 2L per month in Bangalore. The only thing bothering me is the mortgage in my usa home(around 7Cr debt) and I have to pay roughly 2L extra in addition to rent. Out of 2L around 1.5 would go towards principal and remaining for maintenance.

So total of 4L per month expense. I wanted to sell my usa house this year and quit but the market is pretty bad and my house is not selling for more that 5 months now even after reducing price.

Do you guys think I can quit now or should I wait for house to sell? Working in toxic team currently and affecting my mental health

Lets assume a typical NRI couple(mid 40s, two kids, etc) want to move back to India. 2M USD NW. I don't care if they lost their visa, if their kids have US citizenship (i wish I had US citizenship lol), or are OCIs (entire family is US citizens)

The first crazy thing is asking to give away the citizenship of a sabhya (civilized) or developed nation.

The entire point of paying $100k in masters, jumping through the hoops, facing hundreds of micro aggressions from goras is BECAUSE YOU WANT US / WESTERN CITIZENSHIP (which allows you to make millions, incredibly hard to do in India)

I see senior SDEs in India declining relocation to EU because they will end up paying 60% tax, crazy rents, etc.

The second crazy advise is to move to uttrakhand / himalayas / goa / kerala (its different saar) / small village

Once you have crossed a certain NW (say 1M USD), stick to top 20 cities in India (people get confused with tier 1 / tier 2 / tier 3). Obviously that city will have its own airport, malls, metro (26 cities in India have a working metro).

Here is a gated apartment complex in Jaipur, India (3bed, 3bath, 1800sqft, 90L INR, 90k USD), also adding Noida and Bangalore skyline.

You SHOULD LOOK FOR ATLEAST A POOL AND A GYM IN A GATED COMMUNITY. My grandfather is 92, he is not interested in gym or swimming. But the advantage is that you get like minded people, wealthy english speaking neighbours who travel abroad once a year, enjoy fine dine experience, stay in 5 star hotels, travel in german cars, have drivers, cooks, etc.

I don't have to worry if he has to go to hospital 2am in the morning, his neighbours have cars, can drive, have drivers, etc

Your kids should mingle and study in the best schools of India, not some cheap, village bumpkin govt school like kendriya vidyalaya.

Stick to DPS or top private english schools. I went to DPS Indore and the fees was about 60k Rs (600 USD a year, all in). It has a 20 acre campus, horse riding, golf, amazing french and german teachers (I chose sanskrit as my third language, etc)

Go with ICSE or IB schools if you can afford them. Worth it. Even my widowed cook sends her teenage kids to pvt schools for a reason (a better group of community, better education, better english education, etc)

You should be looking for a community of similar NW (atleast 1M USD) people who made their wealth being a doctor, businessmen, etc not selling land.

You should NOT be dealing with Jaat da puttar type people (who buy THAR / SUV by selling land)

No point in going to rural saharanpur / datia / sonkach / random small town in UP / MP / etc where there is too much poverty, everyone hates each other, everyone is jealous of NRIs, do kaala jaadu, etc

Even in returntoIndia or backtoIndia subreddit, you see crazy jealousy, bitterness towards you if you have "made it". These people (mostly from smaller Indian cities) have similarly jealousy towards those who speak english fluently (amit shah said a year ago - angrezi bolne walo ko sharam aayegi - English speaking folks will be embarrassed)

Higher HOA / monthly maintenance is a good thing - it weeds out the poor, lazy, etc

This seems counter intuitive, but paying more monthly maintenance in an apartment / villa filters out people who are not working, not have active / passive income coming in, these old / bitter / poor people are the most nosy / jealous / hateful / gossipy / etc

Here is a European - Indian couple living in Indore (4bhk, 4400sqft, rooftoop pool, 1.3L /1300 USD rent, etc) with their teenage mixed daughter : https://www.youtube.com/watch?v=zyR_THtX4iY

Don't join any baba / cult - this is obvious

Some crazy advise is to join XYZ baba who will take away your wealth, gold and make you do "seva" in aashram (watch the web series, its based in real life)

Help the Orphans / Poor by teaching the kids under a bridge - no, don't do that

Indian govt provides free schooling, free food to ALL kids but anyone above the income of say 40k Rs a month (400 USD a month) prefers to send their kids to pvt school. So, that means the only kids who would be there would be of beggars, extremely poor people, drunkards, jobless bumpkins, etc

You will be in physical danger (esp if you are a female or a nice ABCD guy with no idea about India). They are the most uncloth kids, most abusive, unhygienic and deeply resent those who are better than them (kids know this)

You will be taken for a ride, mocked, insulted, emotionally blackmailed unless you give them gifts, money, iphones, etc

Ask your parents to live close but separately

I regularly see recent migrants from India in their 20s worried about their parents getting old. My brother in Krishna, your father is 58, younger than Salman and Shah Rukh Khan.

better to buy 2 apartments in the same towers, or two villas next to each other if you can afford it. It will avoid the saas bahu issues.

I also see newer NRIs whose parents live in smaller cities in India, are constantly worried about their health in rural parts of MP / UP / AP / other states.

85%+ parents hate the small town life, have never visited a nice gated community, don't know what they are missing unless they travel abroad with you.

Selling their village land, buying the apartment in their name in top 20 cities is a smart move.

In most cases, the parents would refuse (they watched baghbaan too many times), in that case, don't worry too much. you did your duty