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How To Build Wealth as an NRI (CFP Reveals Secrets) - w/ Vrishin
In this episode, my guest is Vrishin Subramaniam. Vrishin is a CFP (Certified Financial Planner) who is on a mission to help NRIs achieve financial freedom - by helping them be millionaires. Vrishin helps provide a blueprint that can be followed by anyone in the US in the capacity of a student or a working professional.
We discuss:
How to build wealth as a student, best practices and some common pitfalls
How to build wealth as a salaried employee on OPT (and STEM OPT)
How to deal with student loans
Investing in India vs the US
When sending remittances to home country is a good plan
How to optimize investments including 401ks
What to do with investments when one has to head back to home country
When becoming a home-owner is a good idea
Anecdotes/success stories of helping clients
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Support the Ready Set Do podcast:
1. Buy me a coffee: buymeacoffee.com/AJpppY42zy
2. Instagram: https://www.instagram.com/ready.set.do
3. Twitter: https://x.com/ReadySetDo_
4. LinkedIn: https://www.linkedin.com/in/namanpandey0796/
5. Get cashback EVERY time you buy anything online: https://www.rakuten.com/r/YOURSS30?eeid=44971
6. Get $100 With Discover Credit Card (Student Friendly, no Credit History required): https://refer.discover.com/s/namanpandey07966?advocate.partner_share_id=3718798779
7. Get 60k Bonus Points (~$600) with Chase Sapphire Preferred Credit Card: https://www.referyourchasecard.com/19P/4D173KLQF5
8. Get $25 On SoFi 4.2% High-Yield Savings Account: https://www.sofi.com/invite/money?gcp=76a5cd36-026a-4d9e-acd0-b0d252d2238e&isAliasGcp=false
9. Free Stock On Robinhood: https://join.robinhood.com/namanp-e93ca04
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Resources:
Vrishin’s LinkedIn: https://www.linkedin.com/in/vrishin/
Timestamps:
(00:00) Intro and Background
(03:01) Journey from Electrical Engineer to CFP
(07:37) Why focus on Financial Planning for NRIs
(10:16) Establishing a CFP practice
(13:37) Best practices to build wealth as students
(17:29) Best practices to build wealth as a full-time employee (OPT)
(21:22) Investment and student loans - recommendations and playbook
(26:09) Remittances to home country and why
(29:06) What to do with investments while leaving US forever
(35:08) Best practices to build wealth on an H1B
(38:54) Home ownership - yay or nay?
(42:45) Anecdotal client case-studies from Vrishin’s experience
(46:50) Outro + gratitude
View all episodes
By Naman PandeyIn this episode, my guest is Vrishin Subramaniam. Vrishin is a CFP (Certified Financial Planner) who is on a mission to help NRIs achieve financial freedom - by helping them be millionaires. Vrishin helps provide a blueprint that can be followed by anyone in the US in the capacity of a student or a working professional.
We discuss:
How to build wealth as a student, best practices and some common pitfalls
How to build wealth as a salaried employee on OPT (and STEM OPT)
How to deal with student loans
Investing in India vs the US
When sending remittances to home country is a good plan
How to optimize investments including 401ks
What to do with investments when one has to head back to home country
When becoming a home-owner is a good idea
Anecdotes/success stories of helping clients
-----------------------------------------------------------------------------------------------------------------------------------------------------------------------
Support the Ready Set Do podcast:
1. Buy me a coffee: buymeacoffee.com/AJpppY42zy
2. Instagram: https://www.instagram.com/ready.set.do
3. Twitter: https://x.com/ReadySetDo_
4. LinkedIn: https://www.linkedin.com/in/namanpandey0796/
5. Get cashback EVERY time you buy anything online: https://www.rakuten.com/r/YOURSS30?eeid=44971
6. Get $100 With Discover Credit Card (Student Friendly, no Credit History required): https://refer.discover.com/s/namanpandey07966?advocate.partner_share_id=3718798779
7. Get 60k Bonus Points (~$600) with Chase Sapphire Preferred Credit Card: https://www.referyourchasecard.com/19P/4D173KLQF5
8. Get $25 On SoFi 4.2% High-Yield Savings Account: https://www.sofi.com/invite/money?gcp=76a5cd36-026a-4d9e-acd0-b0d252d2238e&isAliasGcp=false
9. Free Stock On Robinhood: https://join.robinhood.com/namanp-e93ca04
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Resources:
Vrishin’s LinkedIn: https://www.linkedin.com/in/vrishin/
Timestamps:
(00:00) Intro and Background
(03:01) Journey from Electrical Engineer to CFP
(07:37) Why focus on Financial Planning for NRIs
(10:16) Establishing a CFP practice
(13:37) Best practices to build wealth as students
(17:29) Best practices to build wealth as a full-time employee (OPT)
(21:22) Investment and student loans - recommendations and playbook
(26:09) Remittances to home country and why
(29:06) What to do with investments while leaving US forever
(35:08) Best practices to build wealth on an H1B
(38:54) Home ownership - yay or nay?
(42:45) Anecdotal client case-studies from Vrishin’s experience
(46:50) Outro + gratitude