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 pitfallsHow to build wealth as a salaried employee on OPT (and STEM OPT)How to deal with student loansInvesting in India vs the USWhen sending remittances to home country is a good planHow to optimize investments including 401ksWhat to do with investments when one has to head back to home countryWhen becoming a home-owner is a good ideaAnecdotes/success stories of helping clients --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------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