அமெரிக்கா வாழ் தமிழர்கள் சேமிப்பு இவ்வளவுதான் ஆதாரம் உள்ளே | கடனோடு தான் இங்கு வாழ்க்கை ஓடுது

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[@Rajalakshmiseetharaman]

I live in California. Single parent (widow) with kid in public school here. I came here with my life wrecked and with 9 months baby. 6 years later, I m very content here. I ll atleast save 40% of my income (inspite of living well- weekly eat out, twice a month long trip to temple, park etc) . 30% of income goes to mortgage/rent. 500 dollars towards grocery, I paid off my car and rest of figures same as you. I invest in stocks for my daughter’s education, 401k for my retirement. Have EMI running in India for my second house. First apartment i closed the Loan within 5 years. The rent earnings from the house goes to my parents. I m middle class woman also, living alone with kid is not easy in india, I live safely here. US is more then just dollars to me.

[@ArthiPrem]

Thank you sister... your story motivated a lot ... big salute to u sister 🙏

[@krisgopi]

Dude and Arthi, I came here 25+ years back. Believe me, you both are going through a phase. I see you want to talk about a topic and ended up with this. It just reflects your current status quo but not where you both will end up. Your life will get better as time goes. Invest in Arthi's education so she can stand on her own as an independent women in her life and also help your family by contributing. You guys are young charming couple. Things will get only better here in America and believe me this is the place for women. Also make sure you save some money in 401k/IRA. Everything adds for your future.

[@selvij7883]

Raji you are example to many of us thanks for sharing

[@TrendZone_TZ]

Your story is inspiring.. Thats a great determination..

[@paulkanaga5357]

@@krisgopi I totally agree with you.

[@riyasrichjourney3687]

Bro , I am living in india only , doing online job and business , earning 2 lakhs + saving is 1.85 lakhs no rent , no big expense , thanks god i want to stay in my country itself ..... , every year 20 L i am saving , india is my america

[@dinkysmusic8158]

Online la ena mathiri business bro panurinka pls guide me to do online business me also.

[@Star-rq3jd]

house rent expenses 1800$ for 1 bhk.

[@karthikarvindcs]

I live in Europe (Spain).. Salary is less here but expenses are very less..for a family of 3,with 50k eur a year, we can save 15 lacks INR per year.. No need for medical insurance, no need of car, can travel to other countries

[@shkram]

Congrats both of you :) I liked the way, you guys do video.. very casual.. It's so connected :) Edho unga kita nerla pesura madhiri irundhuchi.. enjoyed watching.. I told the same thing to some of my friends who are interested to come to US.. but you have narrated very well :) Keep doing more videos!

[@elangovanbalaraman3144]

You Guys have exactly expressed my situation. I am staying in Colorado . My family size is 4. I am the only earning person. I forwarded this video to 10 of my friends and relatives today

[@ArthiPrem]

Thanks bro... true in our home town they thought like we are earning lakhs and lakhs but unmai ennanu namaku thaan theriyum 😞😞😞

[@Manivel-zz7vw]

50k Indian rupees or usd ah bro

[@deenaseyesonentertainment110]

In a nutshell, both husband and wife must work irrespective of the country.We are all trapped in a cyclic economy of spending most of the earnings rather than saving. A big win for those capitalists who have taken this model to countries like India too (where savings was important and spending was only on necessary things). No money or target is enough these days. Running behind non essential things too (just because of peer pressure)...

[@velusamykvi6904]

😊

[@vijayakumarg9763]

Hi prem Accepting mistake /correction is very good. All the best. Good couple. God bless.

[@ArthiPrem]

Thanks for ur blessings🙏

[@JOHNSHYLESH123]

Frank aana padhivu. Rombo useful, Akka and Anna! Neenga kodukura insights neraya per oda decision making ku rombo useful ah irukkum. Hats off! 😍😍😍

[@ArthiPrem]

Thanks bro😍

[@girianbu6376]

தங்களின் வெளிப்படையானபேச்சுக்கு நன்றி

[@ArthiPrem]

🙏

[@madhavbrinda1]

Completely agree with your talk. I have been here 27 years. Same expense last 27 years. True

[@chandrasekar8558]

Really u r telling the reality. Tks .keep it up

[@joytinagaby3175]

Hi Aarthi and prem, this is joy from Calgary Canada I started to watch your video recently. All the information that you guys giving very useful for many people

[@ArthiPrem]

Thank you 😊

[@chandarmuni9967]

Guys - Tax returns will be more if you are a family of 4 .. it will be easily 10k if you are filing as married jointly .. that money is the savings

[@selvarajv1600]

well explanation & thanks

[@bluewhaleschoolofarts7286]

Thank you do much for a very Frank speech. It has given good clarity

[@rajkrishnamurthy4202]

It was so late I watched this video, Excellent explanation! Same Blood :)

[@ArthiPrem]

Thanks bro😊

[@Archu.m]

U r exactly right, no words to say,,,

[@TrendZone_TZ]

இந்த video வில் Excel sheet பெரியதாகவும் face small view இல் இருந்தால் நன்றாக இருக்கும்..

[@ArthiPrem]

Sure i will take care in the next video 👍

[@vaithinellaiappan542]

What about investing in stocks of great US companies? After all, US is a highly capitalistic country rich people get richer..salaried folks if they save and invest, they can easily get richer too.. For example. Amazon stock was $300 5-years ago..now $2,700 a share... Apple was less than $100 5-years ago, now at all time high of $370...Visa & Mastercard are other great companies whose stocks have been consistently raising??

[@venkatesh271991]

It was great video from you bro, The last scenario is damn true make me thinking a lot because i am also into the trap 😊

[@akilamurugaiah4425]

Excellent video... appreciate your realistic conversation.

[@ArthiPrem]

Thanks🙏

[@Adks007]

You both make a lovely couple. You guys are doing a great work. Guess you missed the car insurance.

[@elangesk]

Nice guys.. practical life that you explained on the video..Superb

[@balajivenkatesh]

It was a very informative video Anna!! Good luck with your channel, most of your videos have very good content 👍

[@ArthiPrem]

Thanks bro🙏

[@chandrasekarana8121]

Excellent. Exactly explained

[@sadhasivamchinnasamy3141]

சரியாக எடுத்து கூறினீர்கள். நானும் அங்கே இருமுறை வந்து தங்கி பார்த்தபோது ஒருவர் சம்பளத்தில் சேமிப்பு? சிறந்த விளக்கம். மனப்பூர்வமான நன்றிகள்.

[@ArthiPrem]

Nandri🙏

[@SivaranjiniRajasekar]

I came to California and my kids studied in private school until last year and now I run my own business. Naan tax save panna solli tharen and eppadi money manage pannuradhuku solli theruven. Entire US ley yearuku venum nallum. I have great respect for everyone of us who come here. Bro atleast Neenga 90k katureenga.. Business 1099 earn pannina nariya save pannalaam.

[@nandhinigovindaraju3417]

Hello mam I am from Texas I have some doubts I too want to start a business can you give me some ideas

[@SivaranjiniRajasekar]

@@nandhinigovindaraju3417 sure can you PM me..

[@umavelu8565]

Totally Ture Prem...Very nice topic. You are 100% correct

[@bharathram1000]

Actually we are living upper rich class style in usa and saving little higher than india...

[@thirunavukkarasuvaratharaj8009]

Very Nice presentation, Thanks for sharing

[@ArthiPrem]

Thanks🙏

[@suchetaranjanxx1586]

Good clarification from the first video. Thanks

[@ArthiPrem]

Thanks🙏

[@gurusamy5164]

Ji.. just subscribed your expense video 2 days before & watched this video now. Appadiye USA life-ah movie Matthiri kannu munaddi ootikamicheenteenga. Nice narration. Only one point missed : how to take care parents & in-laws as single child if we are here in USa .. which is biggest issue going in mind Daily.. as to give priority to old people or our kids good life here🤔🤔🤔

[@ArthiPrem]

Hi bro You brought the very very good points Will cover in the separate video Thanks for bringing this topic

[@ramakrishnanrajagopalan1241]

Rombave nalla explained , prem ji. Two people earning is only better solution ?

[@ArthiPrem]

Yes agreed sago 👍👍

[@sengaijay4177]

yes must work wife .... other than we can not happy

[@kirubadossd.2002]

Bro, Why dont you share this sheet to all (or downloadable)? This may be useful for lot of new people as a reference budget in their initial time.

[@srinisvision276]

Super bro your videos very helpful and useful for people who want to work in us.we need you to keep on posting videos like this truthful messages.

[@ArthiPrem]

Thanks😊sure👍

[@sivasubramanianvnk4115]

Very frank video guys .. enjoyed watching .. good work

[@ArthiPrem]

Thanks🙏

[@kathyliping]

In UK the salary is not as high as in US but the tax slabs are lower below certain amount and living cost is much cheaper specially if you live outside London. Healthcare and education are free here and comparing your list with similar lifestyle, here the savings will be much higher if not double. If both husband and wife are employed than can have a good lifestyle and will be able to save money for the future. If you want to return to India should do it before the child starts schooling otherwise it will be very difficult and wont happen. Once the residence is established one should leave their employee mindset and look for opportunities to start their own business by widening the contacts. Only by doing business can have a real successful life and also will be in a position to help others. I know not everyone can do it but should atleast take a chance and give it a try. Talking from my own experience.

[@ArthiPrem]

Bro thanks for the detailed comment Some of my friends also told that london is better than usa at some extend.. Yes as you said we should get rid of the employee mindset and explore the things to start the business... thanks again for your comment🙏🙏

[@rakesh8630]

Very useful topic SiS and bro and Tqqq

[@ArthiPrem]

Thanks🙏

[@jayalakshmim9567]

Both are casual and cheerful couple.

[@gardening-ft6ku]

If you get a job with a top tech company you get a lot of money in shares. So everything depends on what job you have.

[@gotoganga]

Disclaimer is 90k, there are jobs which pays 400k. It depends

[@ranjithanaveen9877]

Not only in USA, living in any other foreign country has the same trap and story

[@ArthiPrem]

Yes sister agreed... but america na oru trade mark iruku everyone thinks they ate earning crores and crores 😊😊

[@hemasahe]

After getting green card how much u will save this is only for h1b know

[@ArthiPrem]

Whether green card or working visa expenses remains same

[@pavithranp8468]

😢... Na US vanthu 10 days tha aaguthu . I have a family too. ipdi irukkum nu nenachu kooda pakkala

[@ArthiPrem]

Which city bro?

[@jas3055-u7t]

Aiyyayo.... போசுக்குனு இப்படி சொல்லிட்டீங்க....still thank u for d effort u guys take in clarifying things....stay blessed

[@ArthiPrem]

Thanks for ur blessings🙏

[@sparkel23]

Really missed u guys talk... I appreciate how u accept what u told is wrong... and confronted it

[@ArthiPrem]

Thanks sis🙏

[@ravikumarraghavelu2130]

90,000$ is net income or gross income. Tax was not informed

[@karalamkathiresan6431]

“பிரேம்: குழந்தைங்க இல்லாத காலத்துல வெளில அதிகமா போவோம்.... , ஓ விடு நம்ம போகல தான்“ ஆரத்தியோட காலுல விழுந்துட்டான் பிரேம் தருனம் 😂😁👌🏽 . All did the same 🤣.... cute though 👌🏽

[@vigneshjmuralidharan2949]

Very true last few min in this video . Thanks for the video both of you.

[@ArthiPrem]

Thanks bro 🙌🙌🙌

[@aarthinarasimhan4518]

As you mentioned there will be a reluctance but if we can break and go back that's the best. I see many of my friends and family are having a luxurious life in India whereas we are running day and night and saving to go and settle one day but don't know when that one day would come. 8yrs in SG and not sure when we would break it and go. Even you become a citizen there but still can't be like the native citizens and home country is the best :-)

[@karthikeyans1313]

👍Keep It Up...🙂

[@perichiappansubbiah1348]

Hello Prem and Arthi, I see your bill for non-veg items (Fish, Mutton, Chicken). Where do you buy these non-veg items here in Columbus, Ohio?

[@ArthiPrem]

Hi bro Fish from saraga international grocery Chicken and mutton from halal grocery like “we got meat”

[@perichiappansubbiah1348]

@@ArthiPrem Thanks for the quick reply bro. You guys are doing an amazing job and keep going !!! Have a wonderful Thanksgiving long weekend 😍

[@ArthiPrem]

@@perichiappansubbiah1348 thanks bro Have a wonderful thanksgiving holiday weekend 🙌🙌

[@durairajmadan5059]

Now i recommended indian pupils to stop to go usa by seeing ur budget. Thanks bro

[@balajirajagopalan3954]

Nice video providing clarity on expenses that everyone should consider prior to taking decision on move

[@ArthiPrem]

Yes bro that is the intention of this video Some of our friends were suffered a lot due by taken wrong offers...

[@durairajmadan5059]

Good. Open statement

[@jonathanthevathas4363]

Come to Canada ! you can save more

[@praveenmek]

Correct ah solreenga😁

[@ArthiPrem]

😊

[@pree2conquer]

Thanks for the info.But the info you have given may not be applicable for all.For families who live in economical states and don’t overspend can easily save over $1500-$2000 per month

[@ArthiPrem]

Yes bro agreed That y v put the disclaimers ☺️☺️

[@sp.sanjay]

It’s very helpful information

[@ArthiPrem]

👍

[@mahadevaniyer7293]

Romba correcta relative madhiri chollateenga Mahadevan iyer My daughter is in Chicago. Now single. Same situation

[@venkatesanelumalai4794]

Hi bro ... Honestly saying ur leading peaceful life in America.. Even iam a IT person here lot of pressure and struggles...Here corruption no honesty no trust too much of politics so better u be there and live happily forever it's my advice..If u come to India diffenetely u vll feel one day... Iam telling u the true fact...

[@ArthiPrem]

Thanks bro for your honest comments Definitely i will not be in software if i come to india for good...

[@paulkanaga5357]

Your honest comment is well appreciated.

[@gardening-ft6ku]

What about the trips ? There is no use being in us without seeing other places.

[@mahadevaniyer7293]

You are very correct Inge velai kidaikkum aanal masam 6 lakhs sambadhikka mudiyadhu. Further american life inge kidaikkadhu Trap illai But destiny take that way.

[@dhanyas5412]

Hi Arthi, expecting savings related video

[@ArthiPrem]

Sure sister will do 👍👍

[@ranjeetfernandez6009]

Good explanation Anna love from thoothukudi

[@ArthiPrem]

Thanks bro😊🙏

[@ganesh7029]

Ha ha.. Reminding me Sathyaraj & Vadivel comedy.. America vanthathuku nee than enaku maasam $50 tharanum.. Anyway all these expenses will vary by person and location.. I am able to save $1000 to 1500 per month in my $4200 take monthly income(after tax and med insurance). I am living with wife and one year old kid in Dallas.. Rent - $1000, Indian Grocery and other Grocery - $500, Utilities and gas& mobile - $500, Entertainment - $100, Kid expenses- $100, unplanned expenses $200 to $500, Car insurance - $150

[@ArthiPrem]

Super bro,thanks for the detailed expenses sheet,yes agreed,as you said it will be vary person by person and location

[@suganyaelango3]

Good comparison 👏 say ellaborate about comparison of setted in usa vs india

[@ArthiPrem]

Thanks,sure👍

[@rajeshprabhu.r]

Can you share the excel sheet with us?

[@parimalamurugeson3928]

Superb

[@Pre2106]

Hi Anna, well said....Exact story of ours.!!

[@ArthiPrem]

True sisters many of us sailing on the same boat 🙌🙌🙌

[@sristhambithurai8012]

well explained,Thanks

[@aruliiitm78]

super bro

[@praveenasekhar6766]

Eyalba pesuringa. Vazthukal.

[@ArthiPrem]

Nandri🙏

[@venkatraman15]

Very true Bro 👍

[@bluewhaleschoolofarts7286]

May God bless your family

[@ArthiPrem]

Thanks for ur blessings🙏

[@shanmugam6939]

Good news.thank you verymuch.

[@ArthiPrem]

Thanks🙏

[@b4dreams55]

India we stay late but not as productive as US despite we wrap up early here. In India social life is good like partying and going out regularly, here personal life is good. But working in developed countries will certainly make more professional . It's a great experience overall.

[@prabhumaddy9156]

This really shows the importance of financial planning and investments..Else no matter what country you work, its a vicious circle.

[@mohsir4057]

I liked your presentation, importantly lamo at your credit card swipes!

[@ram-jj4vr]

Bro, let me tell you the Bangalore expenses for 30 year old IT employee whose avg salary is 1,00,000 per month. Current Bill - 1000 Water Bill - 1000 Internet - 1200 Mobile - 400 TV - 300 Hospital - 1000 Restaurant Food - 1000 Bike Fuel - 2600 Home town travel in car - 5000 Fruits & Veg - 3000 Groceries - 10,000 Misc expenses - 5000 Car Insurance - 1500 Bike Insurance - 200 Education for 1 kid - 10,000 House loan - 35000 Total Expenses - 78,200 For Parents - 5000 Total Savings - 16,800 If we are in rented house then we can save additional 15,000.

[@ArthiPrem]

Super bro thanks for the detailed info 🙌🙌

[@selvanrk6500]

மிகவும் சரி

[@dheetson888]

hi saho iam new to ur channel and iam a student u both ppl down to earth i dont know why ppl don't considering arab countries we cant get citizenship there but 95 percent savings of salary

[@revathisenthilkumar8552]

Ha ha same situation with us too.now it 10 yrs

[@ArthiPrem]

Heehehe we are in the same boat

[@gowsikasv4211]

But still if we going to home trip, that time we can purchase lot of grocery items from India like soap items, dals, etc. Please mention that too. So that monthly grocery purchase amount will be reduced. Also for some people who are all living in the main city, car is not required regularly. So they can take for rent occasionally. Even that too reduced the amount from monthly budget. It is also helpful for new comers.

[@ArthiPrem]

Sure thanks for the feedback.....

[@sadhasivamchinnasamy3141]

But house rent more!

[@kathyliping]

The solution is to adopt, when decided to live in other country must learn to adopt to eat local food and buy local produce which are usually cheaper than imported groceries from India. For example most westerner living in India adopts to eat local food as imported western items are very expensive in India.

[@angelpriya699]

Omg really shocking🤔🤔🤔

[@geethasriram4761]

Aha excellent 👌 open talk

[@ArthiPrem]

Thanks🙏

[@prakashsivaraj8555]

Hi Prem & Arthi.. just a suggestion for a new video.. most Indian families will like to have a affordable luxury car in US. Is it advisable to get a luxury car or its worth investing the same money on standard brand cars ? Plz think thru and make a video if possible. Thanks.

[@ArthiPrem]

Sure bro👍👍 Definitely its depends on the persons I bought the car recently which is honda crv 2020 model and I didnt go luxury model I have covered some portions in the below video, please chk and let me know your thoughts kzbin.info/www/bejne/poS0p4qujNVjp5I

[@veenasoundararajan2530]

Goodmorning prema and arthi

[@ArthiPrem]

Good morning sister 😊

[@karthikrenu2085]

Bro inga night morning epovumae thoonga mudila becos of work .. india la atleast night extend panalum morning free ah thonguvoom

[@ArthiPrem]

Unmai 100 % agreed

[@PalinySamayal]

👌👌👍

[@sparkel23]

Can u tell which country offers more jobs and money

[@KingKing-po6qx]

Singapore

[@jaivelu15]

My brother earns 9000 dollar his wife earns 7500 dollar. With two kids aged. 6 yrs and 3 yrs. ...they say able to save 6000 dollars. ..as on today July 2020.

[@ArthiPrem]

Yes bro say they are earning 16500 dollars per month but they can able to save only 6000 .. yes there will be taxes... But just imagine the persons whose household income is only 9k dollars 🙁🙁🙁

[@shakthibhuvaneshwaran4193]

Boss... Year end tax return will come more for family man... For bachelor tax return is very less

[@kandathumkatrathum]

True..In single income with 90k savings will be less...

[@ArthiPrem]

Yes sister.... lot of our friends who are having 2 children were struggled and went to india Thanks for your comments

[@kothaisundararajan4777]

Once the kids reach 6 years, their pre school expenses will be saved. But these expense will be utilised for their college education.

[@kandathumkatrathum]

@@kothaisundararajan4777 if both husband and wife worked ,then things are different..one persons income will be saved..

[@rainbowmangg4302]

Neengal pesuvadu romba aarumayaga ooladhu.👌 Yes this is true. Thanks 🙏

[@ArthiPrem]

Nandri🙏

[@koteswarankameshwaran1853]

Very true bro

[@ArthiPrem]

Thanks for your comments bro 🙏🙏

[@ArthiPrem]

Thanks for your comments bro 🙏🙏

[@thiyagarajan3969]

I don’t hv statistics, but believe most house holds have two income category. Depending on their area salaries exceed 100k per person. This is based on my observation.

[@ArthiPrem]

No bro.. if you are taking visa holders Indian community majority are single income family I have taken the example as 90,000 but it will vary as per the area and the position

[@sadhasivamchinnasamy3141]

Olden days I agreed. Nowadays I observed around Chicago 80% of families single earning.

[@thiyagarajan3969]

It’s temporary, Eventually both will work. Spouse gets H4 visa. I wanted that point to be aware fo your viewers.in the long run savings will go up.

[@kanimozhiselvarangan8029]

@@thiyagarajan3969 It takes long time sir. Indian companies don't process I 140 soon. My husband has shifted to an American company. They have started the green card process immediately. Even then I have to wait min 2 yrs to work.

[@physics7777]

sir good

[@ArthiPrem]

Thanks🙏

[@sethutharanya5947]

Super Aarthi👌👌open talk

[@ArthiPrem]

Thanks🙏

[@paj6226]

I like your pair cute loving couple

[@ArthiPrem]

Thank u sister 😊