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.

One branch lit · three still dark

Open the Retirement Planner
Registration required — enter your email, get a 6-digit code. No password to remember.
What I know today

One lifetime, two countries.

The planner models a retirement that does not sit in a single place — income arriving in dollars and rupees, property on two continents, and tax rules that depend on where you finally settle.

The waterfall

Which money gets spent first — Social Security, India rent and SWP, investment payout, 401(k), then principal. You see the order, year by year.

Chennai or Chicago

Run the same plan under both residencies. Rupee depreciation, cost of living and residence-based tax all change the answer.

Land and legacy

Sell the India land, or keep it. Either way you see what reaches your children at the horizon, appreciation included.

Closing the gap

If the money runs short, the planner names the one change that fixes it — a payout strategy, an investment source, or both.

What I am learning next

Still growing.

These are dark on the map above. They are honest about being unfinished — nothing here works yet.

Not yet

Moving back to India

The practical checklist — accounts, residency, healthcare, timing.

Not yet

College and H-1B years

Planning for children studying in the US while parents plan an exit.

Not yet

Anything you ask often

What people keep asking is what I learn next. Tell me inside the planner.

How to get in

Three steps, no password.

Enter your email

Click the button above. You are asked for an email address, nothing else — no form, no profile to fill in.

Collect the code

A six-digit code arrives in your inbox within a few seconds. It expires ten minutes after you ask for it.

Start planning

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