The OMC Real Estate Podcast

How much do you need to retire? For decades, the 4% Rule has been one of the most widely quoted concepts in retirement planning. It promises a simple answer to a complicated question: How much can you safely withdraw from your portfolio without running out of money?

But does it still work in today's world of inflation, market volatility, longer life expectancies, and early retirement movements like FIRE?

In this episode, we break down the origins of the 4% Rule, the research behind it, the hidden risk most retirees overlook, and why the timing of market returns can matter just as much as the returns themselves.

If you've ever wondered whether your retirement savings will truly last, this episode will give you a deeper understanding of one of the most important—and most misunderstood—rules in personal finance.

Listen now and discover whether the 4% Rule is a reliable roadmap, a useful guideline, or something in between.

Most immigrants know they need to file a tax return.

Far fewer know that a savings account, fixed deposit, Demat account, NRE account, or even a joint account back home could trigger additional U.S. reporting requirements.

And the penalties for getting it wrong can be surprisingly severe.

In this episode, Vaibhav Puranik breaks down FBAR (Foreign Bank Account Reporting) in simple terms and explains why so many immigrants accidentally overlook these rules. You'll learn how foreign account reporting works, the difference between FBAR and Form 8938, common mistakes involving Indian bank accounts and investments, and what options may exist if you've missed filings in the past.

If you've ever wondered whether your accounts back home matter to the U.S. tax system, this episode is worth your attention.

Why do so many people spend hours saving a few dollars on groceries… but ignore financial decisions that could impact hundreds of thousands of dollars over a lifetime?

In this episode, we explore the old phrase “Penny Wise and Pound Foolish” and how it quietly affects investing, retirement planning, taxes, and real estate decisions.

We discuss why small savings feel rewarding, while larger financial mistakes often go unnoticed for years. From missing employer 401(k) matches and delaying investing to avoiding professional tax advice and making poor real estate decisions, this episode breaks down how focusing too much on small wins can sometimes distract people from the decisions that actually build wealth.

It’s a conversation about priorities, compounding, and understanding which financial decisions truly matter over the long term.

Because sometimes the most expensive financial mistakes are the ones that never send you a bill.

Many H-1B professionals spend years building a life in the U.S. while quietly carrying one fear in the background: “What if I eventually have to leave?”

And because of that uncertainty, many avoid investing altogether — skipping 401(k)s, delaying real estate decisions, and keeping their financial life permanently “temporary.”

But what if that fear is actually costing them years of compounding, tax advantages, and dollar-based wealth creation?

In this episode, we explore one of the biggest investing mistakes H-1B workers make, why leaving the U.S. doesn’t necessarily mean liquidating everything, and how long-term financial thinking changes when you stop viewing uncertainty as a reason to stay financially frozen.

Some people are buying $50,000 whiskey. Others are struggling with rent. That gap is the K-shaped economy. This episode explains what it means, why it is risky for everyone, and how it connects to multifamily real estate investing.

Most investors focus on one thing—returns.

But what if that’s the wrong place to start?

In this episode, Vaibhav Puranik breaks down what actually needs to happen for those high projections to become reality—and why many deals fall short when conditions change.

From aggressive vs. conservative underwriting to the real role of syndications in your portfolio, this conversation will challenge how you evaluate every opportunity.

Long before spreadsheets, venture capital, or real estate funds…

people had already figured out a simple way to build wealth together.

Years later he realized that the same concept exists across cultures—and today it powers some of the most common investment structures in the world.

In this episode, we uncover how a simple human instinct—to pool resources and trust each other—became the foundation of modern syndications.

In the 1980s, Vaibhav Puranik saw this idea play out in his neighborhood in India.

At the time it looked like a casual gathering.

Years later he realized that the same concept exists across cultures—and today it powers some of the most common investment structures in the world.

In this episode, we uncover how a simple human instinct—to pool resources and trust each other—became the foundation of modern syndications.

In this episode of the OMC Podcast, Vaibhav Puranik sits down with Adarsh “Adi” Shyamsundar — former semiconductor leader at Intel Micron, now fiduciary advisor and founder of Polaris Capital Management.

They discuss:

• Why diversification is the “only free lunch” in investing

• The risks of over-concentration in company stock or only real estate

• How Warren Buffett’s letters shaped Adi’s investing philosophy

• HSAs, 401(k)s, and backdoor Roth strategies many high earners overlook

• What engineers understand about long-term market cycles

Two professionals. Two different paths — stocks and real estate.

One shared goal: Financial independence through disciplined, thoughtful investing.

For more insights and personalised guidance, visit www.oldmoneycapital.com

and click “Request a Call” to learn how you can apply this strategy.

Prediction markets are suddenly everywhere.

Inside your brokerage app.

On financial news.

Even around football games like the Patriots vs Seahawks.

Are they the future of forecasting — or just gambling dressed up as finance?

In this episode, Vaibhav breaks down how prediction markets actually work, when you win, when you lose, whether you can owe more than you invest… and most importantly, whether disciplined long-term investors should even touch them.

If you’ve been curious — this is the episode to hear before you click “Buy.”

Everyone talks about returns.

Almost no one talks about the document that actually matters.

In this episode, Vaibhav Puranik breaks down the Private Placement Memorandum (PPM)—the legal document investors sign but rarely read properly.

Why do courts rely on it instead of pitch decks?

Where is real risk hidden in plain sight?

And what should investors actually look for before things go wrong?

If you invest in private deals, this is an episode you shouldn’t skip.