Do you have a plan to buy a house or something in the US? 20% down no PMI and you will save some money. Also it reduces payment per month. People do brag about making money and but no one comes around saying they got loss. You can invest some money in stocks and play conventional ways. It be gamble when you do options trade. For example, buy some shares and leave in airlines, travel, bank they are dip rt now. These shares must rise once things back to normal. Or you can’t go wrong with Tesla, Apple and Microsoft as a long term- wait for the split. TPS2GC n Frustu suggest you buy lands. You go to Nepal and buy on your name, so could make your decisions and all. Hard to sell stuff in someone’s name, money and land involved relationships sours.