50K is not a whole lot if he wants buy land in Nepal. I agree with the house thing. U get stuck and hard to sell. The 20% down thing will just help in reducing the monthly payments. We don’t know how much he makes monthly. What his goals and how his earning in coming days, job security, and so on. Can he buy land outside the valley? How about stocks? Money markets and index? He could partner with someone to open some stores or restaurants. However the market is crazy with pandemics. What should one do if you have 50-70K in bank?