Chai pe Kharcha - NRI Personal Finance Matters

In this episode of 'Chai Pe Kharcha,' NRI professionals Ishaan and Siddharth delve into the intricacies of planning for children, focusing on the financial and social responsibilities of parenthood. They discuss everything from the unexpected costs of raising a child, such as diapers and education, to the importance of teaching children the value of money and investing for their future. De...

In this episode of Chai Pe Kharcha, hosts Siddharth and Rohit, two NRI professionals, engage in a detailed discussion about the phenomenon of reverse brain drain, especially concerning NRIs moving back to India. They define brain drain and its reverse, explore reasons behind the trend including economic opportunities in India and lifestyle factors, and discuss implications for personal finance and...

In today's episode, we discuss the developments and potential impact of Artificial Intelligence (AI) on society, personal finance, investment strategies, and the job market. We even discuss potential applications of AI - from content generation in social media to financial fraud detection in banking. We then explore how AI could reshape personal finance management and investment strategies thr...

In today's episode, we explore Financial Independence, Retire Early (FIRE) principles with the group. The discussion is triggered by a recent article examining the 4% withdrawal rule in India, proposing a reduction to 3% due to India's different inflation, equities, and stock market returns. The hosts share their FIRE numbers and reveal the variables and customizations to their FIRE goals,...

In today's episode, we continue our conversation with Gayathri. This part of the conversation focuses on managing properties in India while being overseas, the reasons and experience of shifting from India to Prague, managing children in a new environment/friends/culture, and financial planning for the future.

In today's episode, we speak with Gayathri who joins us from Prague. Gayathri shares her journey from India to Prague and her evolving relationship with money. She recounts how she bought her first house at a young age and how she is teaching her children to understand the value of money. She also offers interesting insights on diverse investments like SIPs, stocks, commodities, real estate an...

In today's episode, we get together to discuss a recent post by one of our own. Ishan invested in Alibaba a while back and the stock has gone through many ups and downs. Mostly downs. We take the example of Alibaba to discuss investment philosophy, how we look at value in a company and what the future could hold for this company. Link to Ishan's post - https://www.linkedin.com/feed/update/...

In today's episode, we continue our conversation with Gaurav, who shares his journey as an NRI and explores how spending habits change due to currency conversion rates when living overseas. The discussion further delves into the cost of living in Dublin, especially with a family, highlighting expenses like housing, utilities, groceries, and childcare. The final segment touches upon the emotion...

In today's episode, we speak with Gaurav Shukla who joins us from Dublin. Gaurav shares his journey of the evolving relationship with money. He also shares his current investment philosophy, with a focus on real estate and buying property outside of India. The discussion also covers the FIRE (Financial Independence, Retire Early) movement and everyone's early retirement savings goal.

In today's episode, we speak with Mr. Vinod Kumar Singh, who turned the NRI dream into reality — working abroad, saving money, building a lucrative investment portfolio, and retiring early in India. With over 30 years of investing experience, he shares practical insights for smarter financial decisions for a secure future.

In today's episode, we continue our conversation with our old friend and colleague Yash who currently resides in Seattle, USA. The discussion centres around Yash's personal finance habits, investment strategies and future monetary plans. We also delve into the cost of living in Seattle, the tax implications, and insights into the American healthcare system.

In today's episode, we speak to our old friend and colleague Yash who currently resides in Seattle, USA. The discussion centres around Yash's personal finance habits, investment strategies and future monetary plans. We also delve into the cost of living in Seattle, the tax implications, and insights into the American healthcare system.

In today's episode, we continue our conversation with Varun about Singapore & personal finance choices. Topics include ETFs, insurance, the importance of investing in multiple markets, and achieving financial independence. We share our anecdotes as usual, while Varun brings his perspective as he figures out his financial goals. As promised here is Varun's Instagram channel - @varunlike...

In today's episode, we start a new series where we will try to unveil what life is like in various cities around the world. If you're looking to move to a new place or get tips from people in your global city, this should be a fun listen. Today, we are joined by a friend and colleague, Varun, to discuss the wonderful city-state of Singapore. Varun shares his experience and perspectives abo...

In today's episode, we share our personal experiences and strategies for tracking earnings, savings, and investments throughout the year. The discussion also sheds light on the importance of budget planning, tracking expenses, financial discipline, and the psychological aspect of feeling financially secure. We further delve into investing, emphasizing making informed and disciplined decisions...

In today's episode, 3 of our regulars get together to discuss their preparations for a possible 2024 recession and how they're planning their portfolios. They dive into the impact of global events such as wars and elections, and the constant flux of information on their investment decisions. The trio also explore the concept of financial 'bubbles', the role of tech and AI, varied a...

In today's episode, we dissect the struggle of travel planning as NRIs. We discuss juggling the desire to explore the world with the constraints of limited leave, budgeting, and familial obligations. You'll hear our strategies, travel tips, and hacks on how to maximize the value of currency conversion. Lastly, we tackle the topic of budgeting for travel, offering interesting ways to manage...

In today's episode, we discuss personal finance and investment strategies with Avinash Mehta, a certified investment professional based out of Nagpur, India. As founder of Big Capita, Avinash specializes in advising NRIs and comes with rich experience in wealth management. In this episode we discuss the importance of consulting a qualified financial professional for managing finances in differ...

In today's episode, we discuss personal finance and investment strategies with Avinash Mehta, a certified investment professional based out of Nagpur, India. As founder of Big Capita, Avinash specializes in advising NRIs and comes with a rich experience in wealth management. Avinash explains the importance of having a clear financial structure and of being aware of one's investment purpose...

In today's episode, we discuss how each of us is preparing for the eventuality of retirement. The conversation takes on aspects like the definition of retirement for each individual, the possible locations of retirement, their potential activities post-retirement, and the challenge of planning finances for the unknown future. It's another deeply personal topic, so hear our takes on how we...

In today's episode, we discuss a crucial financial decision for any expat - how much money should one keep in their home country while living overseas? We share our perspectives on this topic as we discuss financial allocations, consideration of home country bias, advantages and disadvantages, and considerations for future property investment. The panel delves into various scenarios and potent...

In today's episode, we follow up from our previous episode regarding advisors - by getting an actual advisor to come in and chat with us. Aditi Mittal, currently at Manulife in Singapore, focuses specifically on NRIs. This was a long and engaging chat, so the episode is uploaded in 2 parts. Please listen to Part 1, to enjoy the full chat.

In today's episode, we follow up from our previous episode regarding advisors - by getting an actual advisor to come in and chat with us. Aditi Mittal, currently at Manulife in Singapore, focuses specifically on NRIs. This was a long and engaging chat, so the episode is uploaded in 2 parts.

In today's episode, we discuss why someone should or shouldn't look for a financial advisor. We discuss our experiences, good & bad, on what constitutes a good financial advisor and how important it is for the financial advisor's incentives to be aligned with the client.