If you are planning to move from the US to India, your 401k, IRA, RSUs, US stocks, brokerage account, and foreign asset reporting can all become complicated very quickly.

In this episode of The Long Game, I speak with Megha about the tax mistakes NRIs and returning Indians should avoid after moving back to India.

We discuss:

• Where 401k withdrawals are taxed after moving to India
• Periodic withdrawals vs lump sum withdrawals
• Why the 10% early withdrawal penalty can still apply even if you live in India
• How to think about 401k and IRA withdrawals during RNOR status
• Why missing the RNOR window can cost lakhs
• Whether you can keep your US brokerage account after moving to India
• How US stocks are taxed after becoming an Indian resident
• Why gains may be calculated in INR, not USD
• How RSUs are taxed when they vest after moving to India
• What happens if you sell a US house before or after becoming an Indian resident
• Foreign asset reporting in India
• Why non-disclosure can create serious penalties
• Why you may need both a US CPA and an Indian CA

This episode is for education and general awareness only.

Please do not treat this as personal tax advice. If you are planning to move from the US to India, speak to a qualified CPA and Indian CA who understand both countries.

A lot of people think they need more income to feel financially secure.

But sometimes the real problem is not income.

It is the lack of a real financial plan.

In this episode of The Long Game, I speak with Vivek about why financial planning is much more than just investing or retirement planning.

Many people earn well, save a little, invest every month, and still feel financially behind. Why? Because they may not have clarity around cash flow, emergency fund, insurance, loans, tax planning, goals, and whether their investments actually match their life.

In this conversation, we talk about:

• Why financial planning is not only for wealthy people
• Why financial planning is not just investment planning
• What people in their 20s and 30s should fix before chasing FIRE
• Why employer health insurance may not be enough
• Why fixed deposits may not protect your purchasing power after inflation and taxes
• Why buying a house too early can reduce career flexibility
• Why aggressive home loan repayment is not always the best move
• Why too many mutual funds can create more confusion, not more diversification
• Why FIRE can become an escape plan if you don’t know what you want after retirement
• How childhood money experiences shape financial behavior
• A simple 7-day plan to start organizing your finances

This episode is for anyone who earns decently but still feels financially disorganized.

Before you chase FIRE, early retirement, or the next investment trend, fix the foundation first.

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 high income does not automatically mean financial strength.

Many Indians are earning well, but still feel financially stressed because most of their salary is already committed to EMIs, rent, lifestyle upgrades, loans, and family responsibilities.

In this episode of The Long Game, I speak with Megha Bang about the real money problems Indian households face — especially when people look financially successful from the outside but have very little savings, emergency fund, insurance, or investing discipline.

We talk about:

• Why high income does not always reduce money stress
• How people get trapped in phone EMIs, car EMIs, home loans, and personal loans
• Why total EMIs should ideally stay around 40–45% of income
• Why home loan EMI should ideally stay around 30–35% of monthly in-hand income
• What to check before buying a house
• Why dual income does not automatically mean you should take a bigger home loan
• Why upgrading lifestyle after promotion can become a trap
• The basics every household should fix: budgeting, emergency fund, insurance, and investing
• What money conversations couples should have before marriage
• Why Indian families avoid talking about money with parents
• NRI money mistakes around bank accounts, property, taxation, and compliance
• Why ULIPs often fail as both insurance and investment
• The warning signs that your lifestyle is controlling you

This conversation is not about looking rich.

It is about becoming financially strong.

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