Please join other desi returnees and be part of community to engage in relevant discussions by filling and following the instructions in the form (link below) docs.google.com/forms/d/e/1FAIpQLSfi6V6L4Ipg6Xze_Qm1IxYEPUPCfAPBc1DzFYnNv-j6KWxjrw/viewform

Golden words of wisdom for our everyday life to be happy wherever we are. He also nailed it saying the US is the best place to work and India is the best place to retire. Ignore the irritants that come along our way.

We too came back to India after spending 25 years in Africa. Our 2 Sons are in USA and Canada. My personal experience in making the move back to India is "no regrets ".I can only agree totally with what is expressed here. 5:57

Another big factor inour lives is the enormous pressure India exerts on you mentally to come back home on ones visits to India.😊

India will become the elderly capital of Indians worldwide.

At about the age of 66 and 72 they came back to be with their parents. They are blessed their parents were there for them at that age..❤😢

Happy to hear good things about Madhya Pradesh!

Great topic. I am 47 and started building my retirement home in Kerala, India. Seeing the place that you grew up makes big difference especially when you are old. By the way I live and work in Canada since last 18 years and planning to retire @55

Drawing great inspiration from Mr n Mrs Ramakrishnan. Service with such purpose 👏 Thank you for sharing.

Thank you both for giving this open, frank interview. Your experiences and insights are immensely helpful. Saving 50% of the total income is a great public secret revealed.!!! We all know it but don't do it!!! Repeated hammering like this is helpful.

Another very insightful video. Kudos to you Avinash ! It is apparent that this is not your typical retired couple, they seem highly accomplished and i cannot imagine what their investment portfolio would be given their 50/50 mantra! Times unfortunately now are different compared to their time in the US. Easier to save 50% when you have 20k a month as opposed to 3k. Regardless, they hit the nail on the head about the dollar going a lot further in India and it makes FINANCIAL sense to stick on in the west AS LONG as you are able to save a fair amount regularly. But the decision to relocate is definitely not purely financial. At this age it makes so much more sense to be in a place where conveniences are in abundance. Very important to be as self sufficient as possible and build a community of like minded individuals especially if you know you may not have family to support you during these years. Would have loved to know more about Indore as that seems to be coming up as a preferable place to relocate to in retirement.

Roots in india Gujarat born in Africa Kenya 🇰🇪 and raised my children in USA 🇺🇸 enjoying life and retirement in USA 🇺🇸 ❤

Excellent interview, so full of fresh insights. Conducted very nicely.

Very nice interview. Sri Ramakrishnan and his wife spoke so well. The questions very relevant Awesome About getting social security from US in India - they are still US citizens and have bank account in India How about those who are not US citizens or even a green card holders or permanent US resident being on H1 say, , is it possible to get social security credited to account in India ?

Sage advice . I also plan to retire in India

You get groceries deliveries / medicine delivered, haircuts done at home/ easy domestic help/ food delivery though some things aren't as predicated/ reliable/ you'll find genuine people.

Golden Nugget at 5:30 - To be with Parents

We started thinking after 30 years in abroad. There’s always an emptiness and anxiety here

🎯 Key points for quick navigation: 00:06:13 *🌍 India is considered the best place for retirement due to the favorable cost of living and accessibility to services like medical help and household staff.* 00:10:11 *💸 Financial planning focused on saving 50% of income throughout their careers enabled a comfortable retirement in India without lifestyle changes.* 00:14:30 *🇺🇸🇮🇳 Retirees with US citizenship living in India can manage tax obligations in both countries without negative financial impacts.* 00:16:01 *🏠 Community service efforts in India led to the creation of a nonprofit trust providing housing and support for elderly residents.* 00:22:04 *😊 Adjusting to different cultures and lifestyles when moving countries is crucial for happiness and integration, whether in India, the US, or Africa.* Made with HARPA AI

I like their attitude towards living life. They are not sad like many typical Indian parents who keep crying about kids living in foreign and left parents in India. They can do that only because they live outside of India. The only thing that made me wonder is their discrimination about the nonvegetarian community staying with them. When they are saying accommodating every one in other countries...why are they not doing the same in their own country?

Wonderful advice sir!!! Some parallels I can draw with my own journey. The Chandariya group is oshwal community (same community as me) aware of their work and charity for Kenya community and also India community. I too live in NJ now since past 11 years very close to Hamilton. Golden years!!! Wonderful advice.

We don't need 25 mins of discussion for that. It's simple, power of purchasing disparity. The can live for one year peacefull ly with 1 month pension from US.

Currently, I am living in US for last 25 years. Both my parents & my in-laws are living in India. And my daughter is very small (yet to start her kinder garden). My parents & her parents live great distance apart (Kolkata & Mumbai). I still plan to work another 10 to 15 years and then move back. By that time my daughter will be in teens. Any advice on what should be my strategies to start preparing now? This channel is awesome by the way.

Looks like it is only for upper middle class seniors; not the normal middle class.

Inspiring for all seniors and retired

A couple of points that are a little confusing. I lived 30 years in usa and moved to India to retire. I am not an indian origin person but my wife is. Social security can only be given if you work more than 10 years in the USA. After that the worker is entitled to social security. Your wife is entitled to half of she is a US citizen or citizen of certain countries but not india, so it ends when you die. The pension plan is good but not a guarantee as a child can need support, or health issues can consume pension quickly so you need to be prepared to accept lifes changes including pensions. I do not have any household service and get my own milk. India is great but not because it's cheap. India is great because it's rich with intangible experience. As for taxes, you do pay more in India as there are few deductions in India. Your usa income is taxed in usa first, but because you can file jointly, the deduction is quite big. The tax is less so the same income is also taxed in India, but there is no joint deductions so you pay much more tax and can only deduct the small tax you pay in the USA, so your tax is much higher in India even though the rates are similar.

Planning to move back in 9 years 🙏

Thank you for this informational video and interview with this wonderful and happy senior couple. May I have more information on the senior residence where they are located?

I would like to join Mr. Ramakrishnan’s community if possible. I am 80 my wife 72. Our children are in the USA. We are in search of a suitable Senior Home. Presently we are in Chennai.

Where in Bangalore do they reside in? What is the name/ location of their retirement home? Very interesting and informative. Please share the details. Thank you

Medicare is not covered and that’s the only drawback. I wish Medicare covers healthcare in India as well.

You're doing great job

Hello Desi return, my husband is in the supply chain and he's currently a director in a private organization, we are US citizens. He applied to several companies in India and Singapore but all were rejected, why is no one in India and Singapore willing to proceed further? Asking because want to understand the reason for so many rejections so if there's something we can change accordingly. Also, we search jobs in LinkedIn and there are not many supply chain executive/ director level jobs in India and Singapore, don't understand why because India should be having lots of Supply Chain job especially considering the population.

Good one though they could have talked a lot more. I am much younger & I have been living in India for the last 3 years. His talk about tax is only half correct. He is right about setting off the tax paid but he fails to mention the higher taxes in India. The second I wish he had talked which community he was living in Blr

Can I get more information about Mr. Ramakrishnan’s retirement home in Bangalore. We are planning to return to India from the US too. Would appreciate if you share more details

Great series and very helpful! One question I would ask is about Medicare , since it is paid during our work life in US. How can it be claimed outside US?

they are us citizen , got good amount of money and getting us social security

Nice talk.

What is the name of this community in Blore. Love to learn and replicate the same Ramakrishnan uncle

Quality of Dr differs from dr to dr n medical facilities are available n good in India but at a cost

Namaste Can you please tell us which senior housing Mr. Ramakrishan lives in and how to become a resident in this complex. Whom to contact. We have 2 NRI seniors who are looking for a senior place to move to and would like to connect with Mr. Ramakrishnan. Thank you

Do you have any experiences for those who returned from Canada?

Please bring ankit Shah for discussion brother 🥰🇮🇳☺️❤️ debate about dedollarization

What would be a good health insurance to take in advance for retired life

Is there a similar set up in Chennai also ? Kindly provide contact details of the facility

Can we make a video on how they are claiming SSN from USA ?

May i know the name of the retirement home where they are staying

They moved to take care of parents. But parents were in different cities than B'lore. How did they take care of them then?

Excellent. I fully agree with the couple. Which part of Africa were you in? Thanks.

Pl let me know where is this retirement home?

How much money needed for a couple to have a comfortable life style in india? I know it depends on your life style but is there any $ amount?

Easier said than done !!!

Where is this retirement home?

Can you please share the contact details of Mrs & Mr Ramakrishnan so that we can discuss on their Community Living at Bengaluru

Social security deposits. The deposit need not be in US or US based bank. You can choose to be deposited in NRO account in a local bank - State Bank of India, HDFC or ICICI … it has be A rupee account simply because you lost Non Resident status… or can be deposited in NRE

Save 50% are you joking is it possible with inflation anywhere in this world today

Whoever get OCI - Citizenship wherever they live in the world they need to pay tax for USA. All senior citizens get 1000 above dlrs per month.

I think the main reason to return to India was they themselves. They left india for themselves n returned for themselves. Their parents would b independent already. They left them back for more than 30 years. Y lying simply.

Honestly...yes they are nice couple. But they are milking the US social security system. They have just contributed to it for 15 years and going to milk it for 40+ years. It is unfair, when current system is on the verge of bankruptcy. I think changes should be made to adjust to cost of living based on the country you claim to be resident. This is unfair!

👺🌺✅

To retire in India is a biggest mistake one can make.

They r all a burden for India and in India

No no don't return..