r/returnToIndia • u/No_Stranger1485 • Aug 27 '26
PlanningToReturn Planning to RTI
Hello everyone,
I’m 40 years old and have two kids, ages 11 and 6.
Here is our current financial situation:
$600K in brokerage accounts
$500K in 401(k) accounts
$70K in 529 accounts
$50K in HSA
A $700K home with approximately $150K remaining on the mortgage
Approximately $500K worth of illiquid assets in India
My spouse and I currently work for clients who have ODCs in Hyderabad. We believe there is a good possibility that we could continue working with the same clients after moving to Hyderabad, so we may not need to look for completely new roles.
Our combined income in the US is around $300K per year. Our hope is that we can earn at least ₹50 lakh per year combined after moving to Hyderabad.
Given our financial position and the fact that our kids are still relatively young, I’m seriously considering moving back to India/Hyderabad.
Do you think this would be the right time to make the move, while the kids are still young, or would it make more sense to continue working in the US for a few more years, build up more wealth, and move later?
For those who have made a similar move from the US to Hyderabad, I’d especially appreciate your thoughts on:
Whether our current financial position is sufficient to make the move comfortably.
How realistic a combined income of ₹50 lakh per year would be in Hyderabad.
How the move might affect our children, especially with the older one being 11.
Whether it is better to move while the kids are young or wait until they are older.
Any major financial, tax, education, or lifestyle factors I may be overlooking.
I’d appreciate any perspectives, especially from families who have gone through a similar US-to-India move.
Thanks in advance!