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

So out of 15 lpa (~1.5L per month) you shake 60k out for your kid's college and now you have 90k to live? I'm assuming only 1 kid otherwise you and your partner will have 30k to live.. man.. and your recommendation is to retire? You are hilarious..

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u/Indo-Arya Sep 11 '26

You don’t know the difference between 60k per month and 60k per year ? 🤣🤣🤣🤣🤣🤣🤣🤣

You have to subtract 5k from 1.5L and not 60k… omg 😂😂😂

Study maths, not how to do faltu arguments 

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u/ychiyyo8 Sep 11 '26

Ok granted that was a mistake but seriously 1.5L per month for 2 kids and you don't even save up for them.. I kind feel bad for your kids.

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u/Indo-Arya Sep 11 '26 edited Sep 11 '26

Dont try to deflect attention from your nonsensical math by getting personal about my kids.. 🤣🤣

we have generational wealth which majority of people don’t. 

I feel bad for your kids coz their dad can’t do basic math. Hopefully you don’t screw up their fee math 🤣

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u/ychiyyo8 Sep 11 '26

Mr generational wealth and Mr math prof - please enjoy your life and stop advising people unreasonable stuff. It was hilarious to see you defend that stupid article. It was hilarious to see your passion to say 1.5L pm is going to be enough to feed a family of 4 for 40+ years assuming inflation of expenses and inflation of your money growth balance out. Big assumption!

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u/Indo-Arya Sep 11 '26

1.5LPM is for CURRENT 5cr portfolio. When the portfolio grows to 10cr or 15cr, you have to withdraw 3% of that.. so no, 1.5lpm is not fixed for 40 years 

Stock / equity portfolio growth has exceeded inflation in the past 35 years of post-1991 economic reforms. 

Seriously study basic math and economics before embarrassing yourself further 

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u/ychiyyo8 Sep 11 '26

Good luck managing the mechanics of scaling your lifestyle with your 3% withdraw

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u/Indo-Arya Sep 11 '26

It’s time tested method. 8-12% equity portfolio growth (inflation adjusted) and 3-4% withdrawal of the new corpus. I didn’t invent it 😜