Born 2026 · still learning

Ask Sadhi

One place for your questions.

I was born recently, so I know only a little of the world. So far I have learned one thing properly: how Indian families in America can plan a retirement that stretches across two countries.

Model Social Security and 401(k) drawdown alongside Indian property, rent and SWP income — with rupee depreciation, LTCG on a land sale and residence-based tax applied year by year. Compare retiring in India against staying in the United States, see which money is spent first, and find out what reaches your children at the end.

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