Baira 15-20 barsa basera.. paisa jamma garera.. Nepal farkera basna sakkinxa? 1 crore jamma garna sakio vane ni fixed deposit ma rakhda tah maina ko 1 lakh aauxa tah.. k vannu hunxa?
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Humble vayera basna kind of sakinxa. Paxi gayera inflation aauxa vanney kura true ho tara careful investment garna sakney ho vaney inflation le teri dukha didaina.
Jasto j vaye pani aafno k k plan haru hunxa. Overall ma chitta chai bujdaina hai imo.
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bhai 15-20 barsa ma kamse kam you need to save around 10 crore at this inflation rate to live an okay life. I believe even $1 million will fail to provide you with enough financial independence in a 2 decades time.
If you think that fixed deposit “income” is enough to secure your future, please read this and understand how inflation will impact your strategy.
https://www.investopedia.com/terms/i/inflation.asp
When my friend learned that an average American earns around 90 lakhs a year he said he will go to the US and save up 4 crores at US and settle back in Nepal after 5 years.
Ngl it was the funniest thing he ever said.
Well, in Germany you can expect to save about 1000-1500 euros a month depending on what you do. Now if you do your calculations you can earn it in 10 years but there will always be big expenses along the line.
The thing I have heard from most of my friends/relatives who are abroad is, 15-20 barsa ta dherai bhayo. Baira gayeko 3-4 barsa mai baani huncha teta ko basai ko ani farkera auna khoje pani auna sakindaina. Nepal aayepachi yaha ko bikas ko gati, jatatatai dhuwa dhulo, chori taskari, ghus khori dekhera basnai nasakne awastha huncha. Mero ek jana uncle 4 barsa baira basera aunu bhako, nepal ko bajar ma paine sabai khanekura falful suddha umaalera khanuhunthyo. Katai pahuna janubhayo bhane umaleko kura bahek kei nakhane rog lagcha bhanera 🥲🤣
when you have responsibilities, 1 crore is nothing actually.
1 crore is not a lot of money imo. You might need to have some other financial instruments that might yield you long term returns.
It is all a grass is greener on the other side story. If you live in the US, expenses will also be like in the US. Unless you are skimping and saving. A family I knew used to survive on Ramen noodles, that was available then at 25 cents a pack. That is an exception. If you have family, kids, then you will want to buy a house, car, cell phones all on credit/mortgage; set aside for festivals, holidays, kids expenses etc, soon you will wonder why one is not able to save.
American households, on average, have $41,600 in savings, according to data last collected by the Federal Reserve in 2019. The median balance for American households is $5,300, according to the same data. So hope you understand the difference between average and median values. So most of the US families had a total saving of $5,300.
Asians are known to be thrifty, frugal and save more; for that you must be having a good job; good education which requires a lot of money up front.
So forget about coming back if you have more money, you will be stuck trying to make that $1 million! Your property in Nepal may be worth more by that time!
See don’t listen to people who say you can’t make 1 crore in abroad. You can easily make it if you work hard but the thing is when you are old enough you realize 1 crore is not that big amount. The second thing is people who are in western countries may not be just for money. It’s the quality of life that you can’t leave behind going back to Nepal.
If you are able to buy a house, pay off mortgage and then with citizen ship , you can easily rent your house and live in Nepal while the tenants pay for your living and taxes
Decent job bhayo bhane Nepali 1 crore ta 2 barsa Mai jamma huncha
Bank can go under. No insurance. And inflation is crazy.
Ma ni estei sochthye “baira aaihale aaba paisa kamayera firta janchu” tara worth it chaina firta Jana. Safety, healthcare, elder care, pension, quality of life, food, pollution kunaii pani kura ma Nepal mathi aaudo rahena cha. Bidesh janchu Ani etai fixed baschu bhanne mentality le Aaye huncha. Life ma dukha garne bhaneko aafno lagi ho.