Questions worth thinking about early.

A retirement split between India and America raises questions that ordinary retirement advice does not cover. These are the ones that come up most — answered plainly, with the parts that genuinely need a professional marked as such.

• What happens to my 401(k) if I move back to India?
  The account does not close or freeze. What changes is who has the right to tax it — and that turns on residency in both countries, not on where you are sitting.
• Should I sell my India land before or after I retire?
  Four things move when you change the sale year, and they do not all move the same way. Including one question worth asking before any of the tax analysis.
• What does rupee depreciation cost a US retiree over 25 years?
  A drift small enough to ignore in one year becomes one of the largest forces in a cross-border plan — and the one most often left out of the arithmetic.
• Social Security if you retire in India Coming
  What actually gets paid, how it is withheld, and what changes when you are no longer a US resident.
• Retiring in Chennai vs Chicago: the real cost difference Coming
  Beyond the cost-of-living index — healthcare, currency alignment, and the expenses that do not shrink when you move.