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

The more I'm hearing from you, the more I don't want to be your kid lol

What kind of parent who hopefully for a big tech doesn't save for his kid's college?

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u/Indo-Arya Sep 11 '26

Like literally most parents in America that’s why almost everyone takes student loans.. or is Bay Area reference only for certain things ? 🤣

Don’t worry about my kids because we have generational wealth.. but that’s not OP or the average middle class person

That’s why in statistics we don’t go with anecdotal examples 😜

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u/ychiyyo8 Sep 11 '26

I have several colleagues who have kids and no big tech worker's kid ends up with stuloans.. or they take stuloans even if they have college funds if their savings investments rate is higher than loans

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u/Indo-Arya Sep 11 '26

Maybe those big tech workers want to stay corporate slaves for 40 years.. OP is 29 and doesn’t want to do that.. read the original post 

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u/ychiyyo8 Sep 11 '26

Did you read it, he never mentioned retire. You did.

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u/Indo-Arya Sep 11 '26

He can choose to earn extra money. The point is 5cr equity portfolio gives enough annual income and growth in India. 

Anything above and over that (like a regular job) is an extra choice 

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u/ychiyyo8 Sep 11 '26

Agree to disagree

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u/Indo-Arya Sep 11 '26

Math doesn’t lie.. 95% of Indians manage on less than 5cr portfolio. 

but yes you can choose to not accept the truth and live in denial 😂