Americaவில் இந்தியர்களின் Savings இவ்வளவுதான் | Americaவில் எவ்வளவு சம்பளம்? எவ்வளவு செலவு?

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[@ahojlax]

Thanks!

[@ArthiPrem]

Thank you so much 🙏🙏🙏

[@aravinthaperumal5205]

@@ArthiPrem America vil california la doctors(hospitalist) ah work pannu na 2,50,000 to 3,00,000 $ salary kidaikum. 1 week on and 1 week off eduthukalam.I mean 6 month continuous ah work pannitu next 6 month fullah leave eduthukalam. Tax poga meetham 1,80,000$ per year kidaikum.I mean per month 15,000 $ kidaikum. Cost of living 8000$ ponalum meetham monthly kaila 7000$ kidaikkum. this is what's the information i collected about my job.

[@ArthiPrem]

Very good information aravinth bro Appreciate your efforts

[@aravinthaperumal5205]

@@ArthiPrem thank you bro

[@mohamedashiqali1805]

@@aravinthaperumal5205 Samoogam periya edamo!?

[@jamesfor101]

Great video! I agree with everything you both said at the last few minutes of the video.

[@savithrisubramanian4509]

Excellent ((close to reality) presentation with a POWERFUL message at the end. Great job! One of your best👍

[@ArthiPrem]

Thank u so much 🙏🙏

[@madhanraj5898]

100% agree👍🏻👍🏻. You guys are doing really a great job. Way to go 👏🏻👏🏻

[@ArthiPrem]

Thanks madhan bro 🙌🙌

[@NijanthanSLimitedEdition]

Excellent explanations !! Only we know the pain on “Earning & Spending “ in dollars !!!

[@ArthiPrem]

True 🙌🙌 thank u 🙏

[@srinivasansampath1409]

Nanri thalaiva for sharing a very informative video. Unga frankness and boldness in calling spade a spade is highly appreciated. Vazhga Valam undan

[@ArthiPrem]

Mikka nandri 🙏🙏🙏

[@sureshkandeeban5268]

So true. Thanks for detailed video

[@ArthiPrem]

Thanks suresh bro

[@gardening-ft6ku]

What arthi said is end is 100 percent true! When we have age we should enjoy life. Apram when we are 60 we ll have money but no energy! My paati loved poori but she never used to buy and eat n hotel since its costly now she has money at 80 yrs but no teeth to eat!

[@ArthiPrem]

Well said bro Thanks 🙏

[@ArthiPrem]

Root insurance test drive $35 Bouns for you bonus.joinroot.com/PremkumarSelvam?section=post_bind&t=1670477840 Car insurance video kzbin.info/www/bejne/hWacgYiAn6uci6c

[@ArthiPrem]

True thanks for the info 🙏

[@suriyavl]

@S.P.Shankar ,earning $150k in Atlanta is better than earning $180k at Bay Area,opportunities everywhere there but need to improve our skills (Leet Code is better way to improve the TC)

[@hemavathikrishnamoorthy1395]

​

[@usharaghuraman3273]

Prem - you have to add 500 per month per child towards college education. At todays cost 4-year college education costs 120,000 dollars and it goes up by 6% per year. So from the year the child is born you have to save 500 per month per child towards education.

[@arun5002]

Best video ever made that clearly explains our life in US financially, but people in India thinks that we earn in Crores and don’t help them financially. Sad part of this story is even our own family don’t believe this fact.

[@ArthiPrem]

True bro Everywhere same problem 😐😐

[@vivekanandanveluchamy1348]

@@ArthiPrem pp

[@mahaveerb3365]

Thanks for your valuable videos and open comments 👍👍👍

[@ArthiPrem]

Thanks 🙏

[@jothimsw]

Thanks for posting this video. I agree that it’s hard to save anything with high inflation now. but if I compare my personal financial saving back to 2009 it was completely a difference story..With one person working ( me and my wife, no kids) we saved 30-40% of my salary. now my salary increased x 3 but cost of living increased x 6.. I remember we paid $ 525 for a rent in North Austin but now it’s $2200. if you add rent insurance and medical copayments that will bring down your saving a bit…

[@ArthiPrem]

Thanks What you said is 100% correct

[@Naive76]

Hi, Awesome video it really helps! 1 kodi appu sooo true😂 can you please share a video on how to multiply our savings in US?

[@vinothkannan6388]

Good explanation Arthi & Prem..if people from India is watching this video, They might understand our earnings..

[@ArthiPrem]

True bro 👍 i shared with people who are in india so they can understand the “earnings and spendings” in dollars thank you 🙏

[@prakashdhanabal7349]

If people is India accepts this video well and good, but they never understand until they experience US life

[@neelarajraj4143]

You have to add jobstress, jobless stress, visa transfer fees which cause 1/10th of salary, relocation which happens 3 times in year(expenses 2/10 of salary), items we loose and buy again.. company may not cover for these, especially contract jobs.

[@shanpriyan7219]

Your videos helped me to take important decision in my career. Declined US offer and moved to Qatar... Saving a lot here

[@ArthiPrem]

Great to know that All the best 🎊🎊

[@sasiin4u]

Great video guys...

[@ArthiPrem]

Thanks🙏

[@uthirameenu8048]

I live n Europe. India le irukravanga solraanga foreign lendhu varavanga thaan enni enni selavu panreenga India le easy aa jolly aa selavu pannitu irukanga nu solraanga. Unami thaannu thonuthu. In my recent India trip le I felt India le irukravanga luxurious aa foreign le irukravanga mathiri vazharanga namma etho kanaku panni kashtapatu vazharom nu thonuthu

[@MrTraverse]

Unmai Nanba!

[@sriramjay2010]

True… that’s y I moved back to India …. Doesn’t make any sense in staying abroad without any monetary benefit

[@dr7924]

100% True. We have 2 cars in India and enjoying our life. But here in US we're calculating each and every cent and just now got cycle, that too to drop my kid to school. 😞 But all our relatives are thinking we are living a luxury life. Don't know what to say

[@sivaramsivaraj5439]

​@@dr7924neengha mattum illa. Germany lae irukaraa naanum appadi dhaan..😢

[@kalaram8589]

True😢

[@fathimabibi708]

Very good Explanation 👍 👌

[@ArthiPrem]

Thanks 🙏

[@TheDASTHA]

I am travel to Plano Texas on next year Jan 23. Thanks for making video. This video useful for first time travel to US

[@lsanjay345]

Informative and interesting to know the facts there...

[@ArthiPrem]

Thank you 🙏

[@kaseepl]

Hey Arthi & Prem, You both are doing excellent topics and details. My support

[@ArthiPrem]

Thank you so much bro🙏

[@Krish3509]

Pretty much the same story in Canada. I live in GTA and the rent is comparable if not higher. Medical insurance pretty much gets covered at work for a nominal payment which is a huge plus. Most companies have a decent pension system which combined with Govt benefits comes handy when you retire and hopefully by then the house would be fully paid for. BTW good job guys, keep this going.

[@abilashramesh]

Well said, happiness and quality family time is important. Stay healthy & blessed!

[@ArthiPrem]

Thanks abilash bro 🙏🙏

[@srajendranrajendran7438]

Even in India more saving is possible only if both of them are employees.So house wives should also try for employment atleast after children go to school.

[@ArthiPrem]

True cost of living increased too much in india too Thanks for the information

[@SRIVENKATASubramaniyan]

This is one of my favorite videos. Thanks for taking time to break down the expenses :)

[@ArthiPrem]

Hi bro Thank you so much And this sheet has been outdated We will do as per the current inflation rate

[@c2thamizh]

Best and proper video from you so far ! Don't contradict urself by saying YOLO when u really need to save and posting other videos about saving ! If you don't find a way to save or increase ur income in a country like US, kadaisi varaikum velai senju thaan kalatha ottanum

[@ArthiPrem]

Yep.. thats is the important point have to taken from this video Upgrade the skills and find the better opportunities USA is the land of opportunity Thank u 🙏

[@Bakya.Bharani01]

Well said bro. I'm waiting for similar video for individual house? 😀

[@ArthiPrem]

Thank bro Will do !!!

[@latharajaram8758]

Thank you for the updated info. This expense list apples to an upper middle class people,

[@ArthiPrem]

Yes its 🙌🙌

[@manjukumar8287]

Super video sir end of the video super unmaium kuda edu mathiri 100 video kamicha kuda namma oorla puriyadu apparam aen anga iruka nu kaepanga mudiyala explain panraduku anyway super video 😀

[@ArthiPrem]

Thanks very true what u said

[@subramaniansuresh1163]

You both are talking practically..Handsoff.👏

[@ManiKandan-ox9gy]

Good one.. 👌

[@ArthiPrem]

Thanks mani bro 🙏

[@karthikr7038]

Nice and useful information 🙂

[@ArthiPrem]

Thanks karthik bro 🙏

[@rajavelr6972]

Informative video

[@Chennaicity_zen]

Good explanation 😊

[@b.k.anandnatarajan2360]

Very clean explained and one more thing I noticed that we are the sole responsibility for this type of depressed lifestyle, even people lived in small village without any recreation they live disease free life, bcos we are out of nature that's it

[@ArthiPrem]

Thanks for the comments bro

[@dineshsathya36]

They visited cities as tourists and we are visiting nature as tourists. That's the difference

[@meenasmriti1901]

Missed the yearly Adhoc medical expenses especially Urgent care visits / Doctor Visits and Medicines / Contact glasses roughly around 500 - 1000 dollars yearly apart from HSA/FSA amount if you have kids .

[@ArthiPrem]

True sister Definitely the medical expenses are underrated

[@raghavsanthosh3354]

Super bro..can you explain the same thing if coming single to US.what expenses and savings

[@vgtarun]

Good Job ..Appreciated👍

[@ArthiPrem]

Thanks 🙏

[@mohamediqbala5013]

Good awareness video bro.. Being in IT for 13 years and not travelled to US... i cant answer my relatives and friends question.. why aren't you travelling. This video is like "shabbada" :)

[@ArthiPrem]

Thanks for the comments bro

[@narendranani7424]

Bro, I liked this video without watching video itself. Bcz, Thumbnail itself made me to like it.. Ofcourse the content is excellent from your channel as it’s really needed for all of our H1B holders.

[@kameswaranarunachalam8815]

Great math and explanation AP 😊 Could you pls share this spreadsheet with download link?

[@ArthiPrem]

Sure bro Will update well and share the same

[@joybvictor]

Both of you r looking great in this color combo. 👍

[@ArthiPrem]

Thank you so much 😊

[@krameshbabu1791]

Super bro very usefully to couples for living in america

[@ArthiPrem]

Thanks bro

[@kparisamy9713]

நல்ல தகவல் நன்றி

[@ArthiPrem]

Nandri 🙏🙏🙏

[@maniaravindan]

If there are no savings and you are not willing to miss the annual trip to India, the next question is What motivates you to remain in the US? Or what stops returning to India?

[@mangaiyarkarasir9123]

Good question

[@senthilrajanr1]

Better education and opportunities for Kids , working life style or work/life balance better, living environment and facilities.

[@and8263]

Let's not forget we all got graduated in India

[@paris9332]

if returning, society will consider them as failure

[@mohamedazarudeen8045]

Excellent content.

[@ArthiPrem]

Thanks bro

[@girubs]

Great content .. suddenly remembered vadivel comedy where he asks salary raise to Sathyaraj😂

[@calvinantony1140]

Hi, I have studied and working in Sweden for the past 4 years. Recently, I started watching your videos .This video gave a very clear insight about the financial expenses in USA. I'm planning to migrate to USA for work in the future. I will definitely make note of all these crucial takeaways from the above video. Thanks for potraying the facts as precise as possible. Appreciate your efforts

[@ArthiPrem]

Thank you so much 🙏🙏

[@sansan-ye1vv]

Hi Calvin, I have a software job offer in sweden klarna. But planning to do masters in usa. Do u think it's good idea or better go for sweden.

[@slumdogmusic1]

To name a few more - 529 for kids - start early to invest for kids college. Emergency fund for unforeseen issues (Car issues if older car), oil change for car every 3000 to 5000 miles, toys for kid ( or even yearly xmas gift) , gym membership . I enjoy your show - been in the US for 30+ years but great to see such videos educating new people/millennials. Good job!

[@InvestRightWithUs]

Good calculation Arthi and Prem..But I would recommend to do math with max out 401k and HSA to 22500 and 7500...Also pls add monthly 100$ to term insurance ...These are must for there future and I hope you guys spread that awareness too so that our friends are secured and safe

[@mahak3406]

Need more details

[@ashwinishanthkumar]

Aftercare in school for my 6 year old in Boston area costs $400 a month. Daycare when was smaller was around $400-$500 a week. I decided to take him out of aftercare and send him to classes instead. I think I made a good decision.

[@ArthiPrem]

Yeah Boston way costly for child care expenses 😐😐

[@sathyaezhilan8287]

In Florida half day day care 950

[@thayalan6688]

Hi

[@vasanthiv4680]

Really iam knowing about americal job and their life is very hard. Today iam watching your ideas very superb

[@preethabalashunmugam2473]

Need to add cinema, birthday party, car maintenance, medical bills after insurance, tamil school fees

[@ArthiPrem]

Bro medical bill after insurance will cover in HSA/FSa contribution which we have mentioned in this video, also tamil school fees will cover in the kids activities which mentioned too But missed cinema, birthday party, car maintenance and phone bills😐 Will update in the future videos Thank u

[@vij8426]

Super veshti ji!

[@ArthiPrem]

Thanks vijay bro 🙏

[@VikisKitchen1]

very nice video. Both of you in matching outfits is gorgeous.

[@ArthiPrem]

Thanks🙏

[@udhayguru]

Not sure u added... buying gift card/gift for birthday party and other things,... vera level.. if you count for year...

[@rzak4808]

Hey Aarthi , traditional look suits u best ... thats a beautiful neck piece , by the way how do u safe guard ur jewellery as it is unsafe to keep at home ??

[@vaishnavin3447]

We are in Kansas. And to do domestic trips we have to take flights which costs around 1700 total. So our trips cost 2500-300

[@ArthiPrem]

Yep agreed the domestic travel cost is underestimated Flight is costly and it depends on the place too

[@sriramcan]

goodness me...thats so expensive. I live in London and get much cheaper flights to France Germany Switzerland Greece Spain etc. I was thinking as US is advanced the prices would be reasonable.

[@rajaselvam1583]

Regular Car maintenance,AAA >> $500 , fmly + others help to India >> $1000min , 1wawa coffee/day or anything >>$500 ,

[@karuppiakaruppia5974]

How about dependent aged parents living in India who have spent all their earnings/savings on the career of their children.You have totally ignored this.

[@swaruparanimohan6203]

Hi Yes it is true We’ve to live for ourselves not for others

[@babue5959]

Excellent..

[@SethBabu-kl3nc]

Many folks do not know the avg salary in SF Bay Area is $400 to 500K if you're smart enough. Imagine if both husband and wife works... 1C savings in nothing...

[@ramakrishnanpalpandian8964]

Hi Prem, Thanks for sharing this useful information. I got selected H1B lottery this year and my petition approved and my H1B visa stamping is in process. Waiting for the Booking slot. I am family of four members - Me, Wife, 2 kids. I used to watch all of your videos. You both doing fantastic job . Like me who planning to come to US for the first time, your videos helped a lot to understand situations over US and plan accordingly. Fortunately my work location is Ohio, Columbus. Hopefully if all went successful, We can meet in next year. Keep rocking and continue your great efforts 😊

[@mohanprabu369]

Congratulations 💐

[@ramakrishnanpalpandian8964]

Thanks Mohan Prabhu ☺️

[@ganeshayer9770]

Want to know the real impact of inflation and cost increases in general? My first salary in late 1980's was 42,000. We managed all of the above expense items and still managed to save a few $ every month. The buckets may be little different. No Mobile or streaming but AT&T calls to India was $1.40 per minute. The telephone bills were the second highest budget item. Looks like you need more than double these days.

[@ArthiPrem]

Thanks for the comments 🙏🙏

[@veerasekar381]

Super Arthi&Prem . touching 🙏

[@ArthiPrem]

Thanks 🙏

[@vinpre9422]

Few more expense. May be applicable for many people Money to India for family... Home EMI...

[@ArthiPrem]

Yep agreed

[@sriramuluk4383]

If you got American citizenship, what consecration given. Like you will get pension, medical, all supports. Is it true, Pls comment. If not how much budget require in old age

[@roshnirangan8912]

Hi Aarthi and Prem... Hv a doubt... If a person goes to USA on onsite from an Indian company, will he be eligible to get salary from the indian employer or from thr company where he is going to work in the USA?? Will he be getting salary in india as he used to get apart from the US salary??? This is my doubt. Pls clear

[@Arunkumar-mm3qy]

Very useful

[@ArthiPrem]

Thanks🙏

[@yuvarajrangharajan9183]

Engalukkellam negative la dhaan varudhu each month I mean income after expenses. Edho bonus component kaapathudhu andha negative ah offset Panna. We are even a lower expensive state in south east. Same feeling on 1 Kodi appu !!!

[@ArthiPrem]

Yes bro Everyone expecting we are earning a crores and crores USA life parithabangal namku mattum thaan theriyum

[@gurusamy5164]

Correct ah Sonnenga..That too California still more expensive

[@ArthiPrem]

Yes California in another league 😊😊

[@deepikameenakshisundaram1748]

Bro, in miami area 2020 I was paying $1600 for 2bhk rent now paying $2600 for same house.

[@ArthiPrem]

Yeah sister miami is one of the expensive cities in the world 😐😐

[@manjularaj5219]

Hi,your calculate tax@20%,I heard tax in US @50%..which one is correct?

[@shrinivasu5081]

How much average yearly salary (H1B visa)required for one family ( husband wife and one kid)???

[@velavana6196]

Well said, factu…factu…factu

[@ArthiPrem]

Thanks 🙏

[@304_suriyaa3]

Bachelors Kum oru video potunga please... Yavaloo thaan earning money saving aaguthunu paapom for new US comers kaaga please 🧐🧐🧐

[@ArthiPrem]

Sure bro 🙌🙌

[@lalithalydia9373]

Want to give 1000 likes. But no option. 😄thank you Arthi And Prem

[@ArthiPrem]

Thanks🙏

[@readme607]

If parents visiting, that travel and insurance, would be another expense.

[@ArthiPrem]

Yeah which is very huge expenses

[@Voraciousvoyager]

The best video in the channel

[@ArthiPrem]

Thank you so much

[@palanichamyrajamanickam6052]

What about investment Prem ?

[@kannansubramanian2026]

For bachelor how much amount need for survive?

[@ismathalthaf2593]

Yes it's true 😇 India can save some money other countries not easy to save money how much we earn the money above 80% got expenses the balance for some emergency or some others expenses 😇 singapore also same so we can enjoy whatever we have our hand 😇😇😇🥰

[@sundaramkathiravan1970]

அமெரிக்காவில் இந்திய மாணவர்கள் லோன் வாங்கி MS படிக்க வரும் மாணவர்களுக்கு தங்களின் அறிவுரை

[@ArthiPrem]

Definitely we will upload a video for this topic

[@user-kp5dv5xc9n]

நீங்க பாவம்தான். நான் 200 rs ல் T.nagar shopping (mostly window) shopping. . ,. ...போயே நிம்மதியா...Happyயா வாழ்வேன். நன்றி..நண்பா

[@azraalsia]

AP California budget podunga siarrrrr... 2 ppl working eh can't save 1000$ per month.. ppl in india think we live in luxuryyyyy

[@ArthiPrem]

Sure will do 🙌🙌

[@venky0108]

Bro main ah add your investment and 529 plans for kids education I suppose not much savings

[@baskaranr7667]

What is high deductible insurance added to employer health insurance

[@rajaselvam1583]

Supera soneenga…..first generation to US , katharal thaaan. Kids after joining college, no savings,also current savings goes for them. If both fmly guys works, chance of good saving. Varavu 8anna,Selavu10anna😂😂😂😂😂 apt.

[@sathishhang3]

Prem how are you da after a long time seeing you... Sathish here

[@venkattamil4195]

You have not included mobile phone purchase and monthly payment. I feel some of the expenses are little exaggerated. Further going to India every year is not possible with that salary. It can be once in 2 years or 3 years. Based on these adjustments, I think there can be a savings of another $500 per month. With thise, we need to add our annual contribution towards 401K. These two will constitute our savings.

[@ArthiPrem]

Hi venkat bro Yes mobile bill should include Will alter in the future videos Thanks for the info

[@TamizhanInAmerica]

nalla sonneenga. Ostrich muttai kathai thaan. inga vanthu vaalndhu pakuravangaluku mattume intha vishyam puriyum.

[@a.m.karthick629]

Thanks, bro, even thought of trying to find a job in US and shift there but currently, I'm in Malaysia working in the IT field I'm saving more than what you have mentioned and living peacefully. So, the US plan dropped. Thanks for that!!

[@ArthiPrem]

Hi bro More than saving the word which u are mentioning PEACE is missing here Running and fighting for the survival here

[@lalitharamachandran8071]

If both are working, one person 's salary becomes a saving??

[@suriyavl]

No need to come US if you are making 2 lakhs/month salary in India unless your salary is about $200k/year in US

[@rosesweet2405]

Prem, I think you need to d deduct SSN and Medicare from the Gross income

[@ArthiPrem]

Yeah I did that,which is FICA and I added as a part of tax

[@narendranani7424]

One more request bro, Since I know Tamil I can understand the conversation though I’m a Telugu Person. Could you please add subtitles as well , so that it will help other makkale from diff languages of us. Reason for this ask is, Content is accurate from your channel . If some thing is good, we should support nd share it to others as much as we can.

[@ArthiPrem]

Sure bro Thank you so much for your kind advice

[@creative-freedom]

Bro.. phone bill ??? And related charges like emi for phone

[@ArthiPrem]

Ahhh arun bro Should include will correct in the next video