Most people assume that if something happens to them, their spouse will automatically get all their assets.

But that may not always be true.

In this episode, I speak with Nikhil Varghese about estate planning for NRIs, especially when they have assets in India and abroad.

We talk about why nomination does not automatically mean ownership, how legal heirs are decided in India, what happens if there is no will, and why your spouse may not automatically inherit everything.

We also discuss why Power of Attorney cannot replace a will, why Indian assets can become difficult for families to access, and why NRIs may need separate wills for India and the country where they live.

Because estate planning is not just about legal documents.

It is about making sure your family can actually find, access, and transfer your assets without confusion, delay, or conflict.

This is for educational purposes only and not legal or financial advice. Please consult a qualified professional for your specific situation.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

A lot of Indians think moving abroad is the fastest shortcut to financial freedom.

Earn in a stronger currency. Save in rupees. Come back to India. Retire early.

But is it really that simple?

In this episode, I speak with Sai, who has lived across India, the UK, and China, and is currently working toward his own FIRE goal.

We talk about whether moving abroad actually helps you reach FIRE faster, why the UK became expensive for him, how China changed his savings rate, why earning in a stronger currency does not automatically make you rich, and why lifestyle discipline matters more than location.

We also discuss the risks Indians often ignore before moving abroad — high rent, visa uncertainty, job struggle, student loans, returning to India without savings, and the pressure to repay education debt.

If you are planning to move abroad, already living abroad, or wondering whether returning to India changes your FIRE calculation, this conversation will help you think more clearly.

This is not financial advice. Please do your own research before making any major financial or career decision.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

Most salaried people build their life around one assumption:

The salary will keep coming.

But what happens when it suddenly stops?

My guest Amaresh was fired twice in one year. The first time, he had a housing loan, EMIs, family responsibilities, and the shock of suddenly realizing that income is not permanent.

But instead of letting that break his financial plan, he rebuilt his life, created a clear financial freedom goal, upgraded his skills, increased his income, managed his risks, and eventually became financially free at 48.

In this episode, we talk about:

• What it feels like to be fired suddenly
• Why salary is not the same as security
• Why EMIs become dangerous when income stops
• How to calculate a family financial freedom number
• Why FIRE in India is rarely an individual decision
• How family support affects financial freedom
• Why emergency funds matter
• Why income growth matters more than chasing returns
• How he went from negative net worth to financial freedom
• Why he still lives on rent after becoming financially free
• What financial freedom means beyond just quitting work

This conversation is not about escaping work.

It is about creating options.

Because the real test of financial freedom is not whether you can say you retired early.

The real test is:

If salary stops tomorrow, does your family panic — or do you have options?

This is for educational purposes only and not financial advice.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com