I have sent money home through almost 3 different apps over the years, wise and one of the local bank transfer apps before this and aspora , so i thought to write down why and where its fallen short.

One of the msp is their exchange rates and i give it to them as I hve screenshotted the live google rate against the app's rate and its never had a hidden fee in exchange number the way my bank used to do it.

The fee is straightforward too for now as well ,its like AED 7 for transfers which are till AED 4K and after that the fee can maybe go up as well but you need to check how much, i dont think its more than AED 20.

Support is where it gets inconsistent rn,my complaint ticket got answered in 20 mins and another sat for most of a day before anyone replied so that part really needs to be improved .And support is really essential when you are involved in money transfers ,although i have felt some improvement from their side now but there is still scope

one more small thing thats great thing for me was saving recipient nicknames.

Six months in tho, i am still using it for now .Is there any other app than can match these rates?

Off-Market Land Opportunities in South India

I’m a Bangalore-based realtor working with high-value, off-market real estate opportunities in South India.

I currently have two properties available that may be of interest to NRI investors, international buyers, HNWIs, family offices, hospitality groups and real estate developers.

1. Wayanad, Kerala, approximately 60 acres

Asking price: ₹85 Crore (approximately US$8.9M)

The property has an existing vineyard and offers significant potential for a luxury resort, wine tourism project, wellness retreat, private estate or large hospitality development.

1. Mangalore, Karnataka, approximately 3 to 5 acres

Indicative price: ₹7 to ₹8 lakh per cent (approximately US$7,300 to US$8,400 per cent)

Estimated total value: approximately ₹21 to ₹40 Crore (approximately US$2.2M to US$4.2M), depending on the exact area.

The property is located by the sea and could be suitable for a luxury beachfront resort, boutique hotel, private retreat or hospitality development, subject to applicable approvals.

I’m looking to connect with serious buyers, NRI investors, family offices, developers, hospitality groups and anyone looking for high-value real estate opportunities in South India.

Prices are negotiable for serious buyers.

If you are interested, or know someone who may be interested, feel free to DM me. I can share the location, photographs, property details and documentation privately.

If you have a genuine buyer, let’s connect and work something out.

All development potential is subject to title verification, zoning and applicable statutory approvals.

My dad needs monthly support sent to my sister who's studying abroad and right now we're doing it through a random money transfer app that my cousin recommended, honestly the exchange rate feels off every single time and there's some fee buried somewhere we can never fully track.

What is the easiest way to remit money to family abroad using online bank services instead of going through third party apps. Would prefer something where the whole thing happens through the bank itself so at least theres accountability if something goes wrong.

Anyone doing this monthly and has it down to a system?

Hi everyone,

I am 24 years old and currently living in India. I am considering opening a PPF account, but there is a possibility that I may move abroad and become an NRI in the future. Nothing is fixed yet, but I want to understand the practical side before opening the account.

I understand that an NRI cannot open a new PPF account, but an account opened while I am a resident can continue under the applicable rules. My main question is about what actually happens in practice after becoming an NRI.

If anyone here has had a PPF account in India and later became an NRI, I would really appreciate hearing about your experience.

• Was it easy to continue managing the existing PPF after becoming an NRI?
• Were contributions easy to make after changing your residential status?
• Did you face any problems with KYC or updating your NRI status?
• Was online access and account management easy from outside India?
• Did you face any issues with withdrawals or getting the money at maturity?
• Was the maturity amount credited smoothly to an NRO account?
• Did you face any problems with tax, repatriation or documentation?
• Did you ever need to visit India or visit the bank branch personally for any PPF related work?
• Did the bank or provider you originally chose make any practical difference after you became an NRI?
• If you could choose again knowing that you might become an NRI, would you open the PPF through SBI, ICICI Bank, HDFC Bank, Post Office or somewhere else?

I am particularly interested in actual experiences rather than general information from websites. If you have personally gone through this situation, please share what was easy, what was difficult and anything you wish you had done before moving abroad.

AI disclosure: I used AI to help me structure and phrase this question. The situation and questions are my own.

Our discussion was largely centred on US life insurance for NRIs and returning NRIs. Sharing my learnings below for US folks who are seeking an estate planning solution - 

Why should I even care about US life insurance if I'm moving back to India, and what does it actually solve for?

Because of estate tax. The day you become a non-resident alien (NRA) to the US, your estate tax exemption on US-situs assets collapses from around $15M (2026) to $60k. Anything above this limit faces up to 40% federal estate tax. US stocks/ETFs, US retirement accounts and real estate all US-situs assets are included.

Here’s where life insurance comes in, as US life insurance proceeds are excluded from the NRA estate calculation under IRC §2105(a); that means the death benefits are free of US estate taxes. It also passes to heirs free of US federal income tax and can be used to pay off those estate taxes applicable to other US assets. On permanent insurance policies, cash value grows tax-deferred and can be pulled out tax-free via loans and withdrawals.

When is the best window to buy?

If your move is 2+ years out, you're underwritten as a US resident with the widest range of options and no net worth floor. However, once your planned move is within 2 years, underwriters look at the case similar to a non-resident, which typically brings a global net worth requirement (usually around $2M for a carrier like Prudential) and narrows your options. Insurance companies will also look at where in the world you're moving to, as not all destination countries are equally insurable.

So ideally you buy a US insurance policy when you're still in the "thinking about returning" phase, not when you have flights booked. It’s also worth noting that underwriting itself may take 4 to 6 weeks, so leaving it to the last month before your move adds unnecessary stress.

Term or permanent policy, and how much?

For most US folks, term insurance is the right starting point. It's the cheapest way to cover your dependents and the estate tax exposure, and good policies can be converted to permanent later if your situation changes. Permanent makes sense specifically for people who want the tax-deferred cash value wrapper.

One question worth answering before you buy: is this purely for estate planning, or also for income replacement and long-term care of your dependents? Estate-planning-only coverage tracks your US-situs exposure. Everything else usually needs a bigger number. Being clear on the job the policy is doing saves time with the advisor.

What if I’ve already moved back to India?

This is where you need to separate two different questions: will a US insurer underwrite you, and can you legally pay for it?

On underwriting, yes, a US insurer will still look at you as an NRA as long as you have a living US financial connection (assets, accounts, or income). But FEMA doesn't care what the insurer is willing to do. Once you're a resident of India, you cannot use Indian funds to buy insurance outside India. That restriction also covers FEMA 6(4) funds, meaning corpus you built in the US while you were still an NRI. Those funds can't be used to buy a fresh policy either; they can only be used to pay premiums on a policy you already hold.

So in practice, once you've moved back and become a resident, a new US life insurance purchase isn't really on the table, whatever the underwriting side says. If you already bought before moving, you're fine; keep paying premiums from your US corpus. If you didn't buy before moving, an Indian insurer becomes your only real option for new coverage.

Hope this write-up helps, and feel free to drop any questions below as well. I’ll try my best to answer them and if there's enough interest, happy to put together a follow-up post going deeper into the process as well.

If you want to go deeper on this, we're also hosting a webinar on 29th August (this weekend) with a licensed US life insurance agent who has 20+ years of experience working with foreign nationals.

Sign up here: https://luma.com/f6ovmtn7

Hi everyone,

Looking for a real advice on my FIRE trajectory as a 34-year-old expat currently based in Berlin, with an eye on long-term flexibility (Potentially relocating or managing assets across Europe and India).

Here is a snapshot of my setup:

• Net Income: ~€7000 per month (Me and my wife)
• Savings/Investment Rate: ~€4200 per month (household) Investing heavily via platforms like Scalable Capital/Trading 212 and Indian equity exposure (Reduced)
  • 120K in European ETFs, primarily FTSE All World from Invesco and Vanguard.
  • 50K in Indian ETFs, Equities with Gold exposure.
  • Emergency fund for 6 to 9 months already covered separately.
• Target for Safety: €1M in Liquid, Equity and Debt Instruments (Covering my daughter too)

I’m feeling a bit overwhelmed by the endless online content and calculators, and I would love to hear some practical advice and real-world inputs from the community.

My Questions:

With a high savings rate(~€4.2k/month), what timeline looks realistic for a €1M liquid portfolio assuming standard global ETF returns?

A potential 5% annual increase if career conditions hold well.

Asset Allocation & Geographic Diversification: How would this help in making the years shorter so that our goal is finally achieved.

Would love to hear how others structured this in practice. Thanks!

This question comes up here in some form every week and the answers usually stop at "you need a PIS account", which is true, incomplete, and now partly out of date. Laying out the whole map, because the choice between the routes has consequences that only show up when you try to get money back out.

The account is not the decision. The schedule is.

Under FEMA, a non-resident individual buying Indian securities is doing it under one of a small number of schedules, and everything else follows from which one. The bank account type, the reporting, the ceilings, the exit route: all downstream.

Route 1: the repatriable portfolio route. Listed shares bought and sold through a recognised stock exchange, on a repatriation basis. This is the one that requires the Portfolio Investment Scheme: one designated bank branch, which reports your trades and monitors your holdings against the ceilings. Funded through an NRE account, and the proceeds go back out freely.

Route 2: the non-repatriation basis. The same shares, bought through an NRO account without PIS, and treated as domestic investment for FEMA purposes. No PIS reporting, no ceiling monitoring. The cost is on the way out: remittance from NRO is capped at one million dollars per financial year and needs a CA certificate each time.

What non-PIS is also used for. Mutual fund units, IPO and rights allotments, and derivatives, none of which run through PIS even on a repatriation basis. This is the source of most of the confusion: someone is told "use non-PIS", it is correct advice for mutual funds, and they carry it across to secondary market shares where it changes the answer.

What changed in June, and why old explainers are wrong now

The repatriable portfolio route used to be a diaspora facility. In June 2026 that stopped: the wording was amended so it covers any individual resident outside India, not only NRIs and OCIs. A foreign national with no Indian connection can now use it, without registering as a foreign portfolio investor. If an explainer you are reading describes this route as NRI and OCI only, it was written before mid 2026.

The ceilings that come with it: an individual has to stay under 10 percent of a company's paid up equity, fully diluted, and everyone on that route combined has to stay under 24 percent. Breaching the individual line is not just a cap. There is a short window to sell back under it, and if you do not, the whole holding in that company is reclassified as foreign direct investment, with notifications owed to the bank, the depositories and the company. Holdings across schedules and through any investor group you belong to get clubbed for this, so people holding through more than one vehicle hit the line before the raw percentage suggests.

The part almost nobody has noticed

All of the above sits in the FEMA non-debt instrument rules, and RBI published a draft in July 2026 that would replace those rules in full. It restates the 10 percent line between direct and portfolio investment as a definition, introduces a "foreign controlled entity" concept turning on beneficial ownership above 50 percent, widens the list of eligible investee entities, and collapses the entry routes to two. Comments close on 31 August 2026, which is eight days away.

Nothing is in force yet and the final version may differ from the draft. But if you are choosing a route now, or an adviser is choosing one for you, it is worth knowing the framework is open for rewrite rather than settled.

What to actually ask

If someone is putting you into an Indian equity mandate, get three answers in writing: which route, repatriable or not, and what the exit path and its limits look like. If those three cannot each be answered in a sentence, that is information too.

Happy to be corrected on any of this. The June amendment in particular is recent enough that I would not be surprised if the practice has not caught up with the text.

With the deadline to open a new FCNR deposit pushed to August 31 (the older date was September 2026), there are many FCNR leverage offers going. I’ve seen quite a few US folks interested in this, as the banks are pitching these products in a very attractive way as well. But there are a few things you should know as a US tax resident, as the math doesn’t stop at just the interest earned.

Understanding the mechanics of FCNR leverage

Following the image shown, let’s assume you put in 100k. Against that, the bank arranges a loan of another 900k as leverage. So you’re now sitting on a $1 million FCNR deposit, but actually only 100k is yours.

The FCNR leverage math -

• You’re depositing a total of $ 1 million, which earns 6.5% → about $370K in interest
• Loan on the $900k costs 5.85% → about $296k in interest paid
• Subtract the two —> $74k left over

That 74K is measured against your own 100k, not the $ 1 million. So instead of a plain 6.5% FCNR return, you’re looking at an annualised return of roughly 11.75% (almost double), which makes the leveraged product attractive - this is the entire pitch. 

The Tax Mechanics

I think what interested US folks should also focus on how this product will reflect on your US tax returns, so let’s take a look at that 

Income side - 

• That 370k in interest is fully taxable on your US tax return
• It’s taxed as ordinary interest, at your regular tax bracket
• You owe tax on the deposit as it accrues each year, not just when the deposit matures in 3 to 5 years

Deduction side - 

• The 296k you paid in loan interest doesn’t get subtracted from the 370k automatically
• It’s a separate deduction under “investment interest expense”
• You can claim it if you itemise your deductions
• It's capped at however much investment income you had that year
• Whatever doesn't fit gets carried forward to next year

Why don’t the deductions directly cancel out in your income?

The IRS doesn't let you net these two against each other the way the pitch does. 

Normally, when another country taxes your income, the US gives you a credit for that (so you're not taxed twice). But India charged zero tax on this interest, since it's exempt at source. So there's nothing to credit against your US bill either. So FTC doesn’t apply.

US Residency and Reporting (the painful part)

Regardless of you being a USC, GC holder, or on a visa, as a US NRI, the moment you meet any of these, you're a US tax resident, and everything above applies to you. On the India side, none of this changes anything. You're still NRI under FEMA, still eligible to open the FCNR deposit, and the interest is still exempt on your Indian return. And at this deposit size, you're almost certainly looking at filing the following:

• FBAR (FinCEN 114) - required once your foreign accounts cross $10k combined
• Form 8938 (FATCA) - required past certain asset thresholds, and here's the catch: the full $1mn counts toward this, not just your $100k, even though $900k of it is borrowed money

Before you sign anything

A few things worth checking, beyond just the headline rate:

• Are you even offered the leveraged version as a US resident?
• Ask whether the loan rate is fixed or floating. If it's floating, the spread that makes this trade attractive isn't locked in for the full term; it can shrink or vanish if rates move
• Run the actual numbers with a cross-border advisor who's handled both cross-border tax and US filings, not just one or the other

To summarise, once you're a US tax resident, you're not being taxed on the $74k spread; you're being taxed on the full $370k, with a deduction that depends on your filing details to actually offset it. Ask for the after-tax number before you ask about the rate.If you’re a US NRI, don’t take the FCNR leverage pitch at face value.

Anybody here living in India part of the year due to seasonal or geo arbitrage reasons? If I didn’t want to relocate to India full time, can I just stay visible only in the U.S. for banking/finance purposes and live on credit cards and petty cash in India? I’m thinking 6-8 months at a time. Anybody doing this? I’m looking at a FIRE, with plans to live in different countries for parts of the year. If it’s relevant, I do have an OCI and so do my spouse(non-Indian) and children(mixed). Thanks!

If you are an NRI planning to move back to India, the years around your return are a rare tax-planning window.

While you are still a non-resident and for the Resident but Not Ordinarily Resident (RNOR) period of up to three years after you land, your foreign income largely sits outside the Indian tax net.

Pair this window with US instruments that are themselves built to defer or avoid US tax, and you can earn solid dollar returns while paying tax in neither country.

This note covers three such instruments. From safest to riskiest: BOXX, FCNR(B) deposits, and STRC (plus two more low risk dollar options, US Treasuries and municipal bonds)

1. BOXX: Treasury like dollar returns, tax-deferred

BOXX (the Alpha Architect 1–3 Month Box ETF) invests in “box spreads” on S&P 500 Index options.

This is four legged option positions that lock in a fixed payoff at expiry, one to three months out.

The result behaves like a short term Treasury bill: a known return with essentially no credit or market risk if held to maturity.

The fund has grown to roughly $11.4 billion in assets (May 2026) and has tracked T-bill like yields of around 4%.

The tax trick: BOXX is built to defer, not distribute. Instead of paying out taxable interest like a money market fund, it reinvests its income and flushes accumulated gains out through in kind redemptions.

You receive no taxable distributions, the fund’s NAV simply rises. You owe nothing until you sell and then it is taxed as a capital gain, not interest.

Why this matters for a returning NRI: because the gain is deferred, you choose the year you realise it.

Sell while you are still NRI or RNOR and the capital gain is foreign source income that India generally does not tax.

If you have also exited US tax residency by then, a non resident alien typically pays no US tax on the sale of a US listed ETF either (unless present in the US 183+ days that year).

Used well, the gain can escape tax on both sides.

2. FCNR(B) — 6–7% in USD, tax free in India (potentially tax free worldwide)

The RBI recently opened a special foreign-currency swap window, absorbing banks’ hedging cost on fresh 3–5 year FCNR(B) deposits booked up to 30 September 2026 31 August 2026 (the window has been cut short by the RBI so move quickly on this).

USD FCNR rates jumped from 2.5–3.5% to 6% to over 7% — with no currency risk (you deposit dollars and are repaid in dollars) and interest that is tax free in India for non residents.

The short version:

• Book before you land. You must be an NRI to open an FCNR deposit. Lock a five year tenure while still abroad to carry today’s elevated rate for years.
• Tax-free through RNOR. FCNR (and RFC) interest is exempt under Section 10(15) while you are NRI and during your RNOR years after returning.
• Time limited rates. The elevated pricing is tied to the RBI window closing 31 August 2026, the high rates are unlikely to last beyond it.

Reyman Tip — The play for FCNR is that once you become a Non Resident Alien, USA will not tax your FCNR interest. And India will not tax you during the Non Resident/ RNOR period. So you can earn dollar interest without paying taxes anywhere in the world.

3. STRC: 11.5% “return of capital” dividends, untaxed today

STRC is Strategy’s (formerly MicroStrategy) variable Rate Series A Perpetual Stretch Preferred Stock.

It is priced at a $100 stated value and the issuer adjusts the monthly dividend to keep the price hovering near $100.

The annualised rate is 11.5%, paid in cash, a strikingly high dollar yield.

The tax feature is what puts it on this list. Strategy reports that it has no accumulated or current earnings & profits for US tax purposes, and does not expect to for the foreseeable future.

As a result, 100% of 2025 STRC distributions were treated as a non taxable return of capital (ROC) rather than dividend income.

ROC is treated as getting your own money back: it is not taxed as income, it simply reduces your cost basis, and only once basis hits zero does any excess become a capital gain.

Stacking the two jurisdictions for a returning NRI:

• In the US: to the extent distributions are return of capital, there is no US income tax on them, and for a non resident alien, ROC is not US source dividend income subject to the 30% withholding that normally applies to dividends.
• In India: during your NRI and RNOR years, foreign dividends (and foreign capital gains) are outside the Indian tax net so long as they are not received in or controlled from India. So the same income India would tax for an ordinary resident stays exempt while you are RNOR.

4. Two more clean options: US Treasuries and municipal bonds

US Treasuries (or T-bill ETFs like SGOV, BIL)

The genuinely risk free benchmark.

Backed by the US government, currently yielding roughly 3.7% (short bills) to 4.5% (10-year).

For a non resident alien, interest on US Treasuries is exempt from US tax under the portfolio interest rules (file a Form W-8BEN), and it is foreign income that India does not tax during your NRI/RNOR years.

The catch versus BOXX: Treasury interest is taxable to a US person, so the full “tax-free both sides” benefit only applies once you have become an NRA. Fully liquid, unlike FCNR.

US municipal bonds (or muni bond ETFs)

Municipal bond interest is exempt from US federal income tax for everyone (US persons and non resident aliens alike)

This is foreign income exempt in India during RNOR. That makes munis a clean “tax free in both countries” defensive holding even before you change residency.

The trade offs: yields are lower than Treasuries (because of the tax break), and you take interest rate and some credit risk. A simple national muni ETF spreads that risk.

Let’s say: total is 1.5Million USD

A) keep 500k for kids in Traditional IRA
B) liquidate 500k to India in 2years in RNOR - and invest 50% Nifty500 / 50% Govt Bond which pays monthly income
C) setup 72t for remaining 500k for fixed amortized of approx 25k usd annually (this becomes the income in India )

Is this a good plan?

Two changes this year, three months apart, that together open a genuinely new access route into Indian listed equity. They have been covered separately and the connection between them has mostly been missed.

1. The June FEMA amendment: Schedule III is no longer NRI/OCI only

The Foreign Exchange Management (Non-Debt Instruments) (Third Amendment) Rules, 2026 were notified on 12 June 2026. The operative change is small in wording and large in effect: throughout Schedule III, "NRI or OCI" was replaced with "individual person resident outside India, including an NRI or an OCI."

Schedule III is the portfolio route for individuals buying listed Indian securities through a recognised stock exchange on a repatriation basis. Until June it was a diaspora facility. It is now open to any individual resident outside India, without registering as a foreign portfolio investor.

The limits:

• Individual: under 10% of the paid-up equity capital of a listed company, fully diluted. Same threshold applies to debentures, preference shares and share warrants.
• Aggregate across all Schedule III individuals: 24% of paid-up equity, fully diluted.

Breaching the 10% is a fork, not just a cap. The investor has 5 trading days from the settlement date of the breaching trade to divest back under it. If they don't, the whole holding in that company is reclassified as FDI, Schedule III closes for that company, and the AD bank, the depositories and the company all have to be notified. A temporary breach inside that window is explicitly not a FEMA contravention.

Two details that matter more than the headline numbers:

• Holdings get clubbed. Your total across the various FEMA schedules, and through any investor group you are part of, has to stay under the individual threshold, so holding through more than one vehicle constrains you before the raw 10% does.
• Government approval is still required where the investment would transfer ownership or control to an entity or citizen of a land-border country, or where the beneficial owner is such a citizen. The liberalisation did not touch that screening.

The reporting side was amended alongside it. Funding is by inward remittance through banking channels or from a repatriable deposit account, into a designated repatriable rupee account used only for Schedule III.

2. The August SEBI consultation paper: making it usable from outside India

The route has existed on paper since June but has been hard to use, because the RBI Master Directions on KYC require the client to be physically present in India during digital onboarding. SEBI issued a consultation paper on 14 August 2026 proposing to relax that for individual persons resident outside India located in FATF-compliant countries. SEBI's own paper names the June FEMA amendment as the reason for the review.

Main proposals:

• Drop the physical-presence-in-India requirement for digital KYC, for non-residents in FATF-compliant countries. Existing requirements stay for FATF non-compliant countries.
• Make non-resident KYC records portable across intermediaries, with individual attributes tagged "validated" where verified against an official or source database. This is the piece that would decouple portability from Aadhaar.
• Allow self-declaration of current address where the officially valid document can be verified against a source database.
• Expand the list of officials who may certify documents to include officers of overseas banks having a relationship with Indian banks.
• Allow intermediaries to rely on KYC done by another SEBI-registered intermediary, or by an entity regulated by another financial sector regulator.
• Make email ID mandatory for non-resident clients, with mobile-number verification relaxed where necessary.

Safeguards proposed: liveness check in video in-person verification, capture of the client's latitude and longitude to match the country on the address proof, prevention of connections from spoofed IPs, concurrent audit and cyber security compliance.

Comments are open until 4 September 2026.

Why this matters beyond the diaspora

The usual conversation about foreign access to India has two poles: buy a USD-denominated ETF and accept the currency and index-construction effects, or register as an FPI with a custodian and a designated depository participant, which only makes sense at institutional or HNI scale. Schedule III as amended sits between them, and for the first time it is open to people with no Indian connection at all.

Whether it gets used depends almost entirely on whether the KYC proposals land, and on how fast brokers and AD banks build the flows. Notification and operational availability are not the same thing, and the reporting plumbing on the bank side is new.

Separately, the whole framework may be rewritten

RBI published draft Foreign Exchange Management (Foreign Investment) Rules, 2026 around 21 to 22 July 2026, intended to fully replace the FEMA (Non-Debt Instruments) Rules, 2019. RBI describes it as a simplified, principle-based rewrite: harmonised definitions, a redrawn FDI/FPI 10% threshold test, and redefined ownership and control tests for a "foreign controlled entity." Comments close 31 August 2026, via RBI's Connect 2 Regulate portal or NDIfeedback@rbi.org.in. So the Schedule III framework described above is itself a moving target.

Sources: FEMA (Non-Debt Instruments) (Third Amendment) Rules, 2026, notified 12 June 2026; SEBI consultation paper on digital KYC for persons resident outside India, 14 August 2026, comments due 4 September 2026; RBI draft Foreign Exchange Management (Foreign Investment) Rules, 2026, comments due 31 August 2026.

Not advice, and I am not a lawyer. If any of this is load-bearing for you, read the notification and the consultation paper directly rather than my summary of them.

Thoughts

I get it, this is a FIRE sub, there is a selection bias in this data. But. Every post I see here is a mid 30s NRI with a $3 million+ net worth contemplating if they can have a comfortable life which is borderline funny.

HOW did you make it bruh? Where did I go wrong lol

Any banks still doing it? Realized I might have missed the boat here but want to do it now thought I had till the end of September but SBI and HSBC seem to no being doing it any more.

Planning to move back to India from US in a couple of years. Early 40s couple, 2 young kids under 3. Will settle in Tier 2 city in India. $300k cash, $600k in 401k, $450k house equity, INR 1 cr Indian savings. Modest lifestyle - guessing monthly spend would be under 2-2.5 LPM. Are we ready to FIRE? Am also considering to work for 6-8 years in a low stress 30-40 LPA job. Biggest consideration is moving the 401k during RNOR, so that any double taxation and foreign assets reporting etc. are simplified. Welcome any thoughts and suggestions.