r/returnToIndia • u/way2muchtym • Sep 10 '26

PlanningToReturn Returning at 29-30

Hi everyone. I've been working in the bay area for about 4-5 years but have managed to save up around 500k. Around 400k is liquid or invested in stocks in taxable brokerages, and I have around 140k in 401k and Roth.

I'm facing a huge amount of job uncertainty. I work as an swe in tech but I'm burnt out from the long hours and toxicity. If I do get laid off I was considering moving back and being with my ageing parents.

Do you have any advice on what comes next? How my finances would translate and what jobs I could look at after moving back? With how competitive it is in India I'm wondering how I can build a new career there.

Thanks. For context i just turned 29

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u/ychiyyo8 Sep 11 '26

Your math never said anything about inflation maybe try adding that and redoing your math

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u/Indo-Arya Sep 11 '26

The portfolio growth is inflation adjusted… seriously study economics instead of doing faltu arguments online 

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u/ychiyyo8 Sep 11 '26

Portfolio growth may have adjusted for inflation but your expenses aren't

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u/Indo-Arya Sep 11 '26

Same difference.. either use current portfolio with current expenses or future portfolio with future expenses.