Why do you have $50K in your savings account? Invest and diversify your portfolio. If you're not comfortable/confident, invest in indexed mutual funds. Don't let money sit there without yielding any return.

Sherlock · Sep 9, 2016 11:37 AM

Wow. That is great. How long have you been in US. I have been in US for 8 years. 6 years for bachelors and masters. 2 years since working. Financial status - still $12000 on credit. Car also finance. Living pay cheque to pay cheque. Professional job paaiyera ni kei bhayena mero ta... dukha ko kura..

Oh_Gaathe · Sep 9, 2016 11:39 AM

Income /month?

cp21 · Sep 9, 2016 11:59 AM

Me, us 8 years, working 5 years, sent to Nepal 20K, two cars paid off but money wise still around 0, still renting. so you are doing pretty good saving.

tesko_baje · Sep 9, 2016 12:13 PM

कति कमाउनु हुन्छा ब्रो? लगभग बार्षिक १६००० जस्तो बचाउनु भाको रैछ. हुन त मैले नि प्रोफेसनल काम गर्न थालेको ३ बर्ष+ भयो. त्येही पनि बैंक मा ब्यालेन्स ३-४ हजार भन्दा छैन. सबै चाहिनें ठाउँ मा खर्च गरेर पैसा सेव गर्नु सक्नु पनि कला नै रैछ. १ बर्ष अगाडी देखि काम गर्न थालेकी एउटी भन्छे सेविंग मा ३० हजार जति छ रे. संगै काम गर्ने भारतीय मूलको एउटा छ. उसको बुढी पनि सिक्स फिगर कमौछे रे. त्येही पनि सार्है सिम्पल छ. अमेरिका बसेको १७ बर्ष भयो रे, अहिले सम्म एउटा पनि लुगा यहाँ किनेको छैन रे, न आफ्नो लागि, न बुढी को लागि, न बच्चाको लागि. भन्छ लन्च मा दहि, अचार, र रोटि खान्छन बूढा बुढी नै. अनि दिनर मा सागरोटि. पहिले पहिले चाहिं थुक्क दुखि आत्मा भन्या जस्तो लाग्थ्यो मलाई , त्येत्रो कमाएर पनि क ताल ले बस्य भन्या जस्तो. एकदिन ओफ़िस को सबै लै खान खान बोलाउदा घर त सेमा टोक्नी आलिशान पो रैछ. १.५ मिलियन डोलर को घर रे. त्येस्पची म नि पैसा सेव गर्छु भनेर कस्सिएको नि महिनौ भैसक्यो. कहाँ खर्च गर्ने, कहाँ जोगाउने थाह नपाको हो कि हात मा पैसा नटिकेको हो, भुत्रो नि सेव गर्न सक्या छैन. न नेपाल पैसा पठाको छ, न बच्चा बच्ची नै छ. न अरु कुनै जिम्मेवारी. खै कसरि जोगाउने भन्या पैसो?

BondJamesBond · Sep 9, 2016 1:53 PM

11 yrs in US, spent 5 years for bachelor degree, 2 yrs for Masters. Been working for 4 years. 1 paid house, 1 small (almost paid) investment house, 40K savings/emergency, no car loan.

rk11 · Sep 9, 2016 1:57 PM

स्लो डाउन अर के ब्रो वन पेड हाउस को मतलब? लाइक यु पेड इत अफ? Or are you trying to say you are paying mortgage? वाइल्ड सेव गर्नु भाको रैछ त. त्रिप्स एण्ड त्रिक्स प्लिज.

BondJamesBond · Sep 9, 2016 2:01 PM

Sherlock, I feel like US market is little overextended right now so don't feel safe to invest. But i will be looking into it in future but not right now.

I485 · Sep 9, 2016 2:03 PM

what do you do man and where you located?

user01 · Sep 9, 2016 2:25 PM

वन पेड हाउस को मतलब? paid off

rk11 · Sep 9, 2016 3:09 PM

Rk11 . One paid house ? Wow that's a nice achievement . How did you do that ?

I485 · Sep 9, 2016 3:10 PM

House katti ko ho tyesma ni depend garcha ni ta. Ani tyo Bharatiya muluk ko manchey ley 1.5 million dollar ko ghar chaai kina liya rey ni , simplicity ko kura garya haina. I don't understand why you wanna eat crap , wear crap but live in a 1.5 Million house. Paisa kamauney ho kharcha garna laai. Ali ali savings ma raakhney ho, 401 K , health insurance and enjoy life. My 2 cents.

paraozzy · Sep 9, 2016 3:21 PM

Been in US since 2 years on B2 visa apply for asylum still pending working on Gas station 20k send in Nepal have around 45k in saving and checking account age 30 plus single....

surajnepali · Sep 9, 2016 3:27 PM

bahira gayera (Nepali ra Chinese, dherai Nepali le khane thau) restaurant ma khadai ma thulo vaiena paraozzy bro. Manche le afulai je mitho lagcha, je le faida garcha tehi khanchan. Ghar ma roti saag,dahi, achar CRAP hai. Nepali haru Nepal ma tehi khana napayera America aune dherai chaan. Ani arko kura, roti, saag, dahi kharchai nagarikana aucha ki kya ho? 1.5 million dollar ma basda life enjoy nahune, paisa kharcha nahune jasto po kura garchan keta haru. yeuta kuro. je dekhiyo, padiyo teslai comment gariyo.

rk11 · Sep 9, 2016 3:33 PM

As far as I am concerned enjoyment of life should be proportional , not just one aspect of it. Sabai ko aafno aafnai priorities huncha. Aba tapai laai 1.5 million ko gharma basney maanchey laai hareyk din lunch ma saag, achaar ra roti khayeko sunda , aaha ma ni yestai garna parla jasto laagcha bhaney mero bhannu kehi chaina. 'CRAP' word mailey 1.5 million dollar ko ghar saga ko relation ma use garya ho. Dahi, saag achaar malai ni man parcha. Hajur ko chitta dukhayeko ma maafi paau. Kuro chaai katti savings garney ho laai reply garya ho. I am assuming i485 wants to hear about other people's saving strategies.

paraozzy · Sep 9, 2016 3:42 PM

$$

paraozzy · Sep 9, 2016 3:44 PM

Hami Nepali ra Indian ma yehi 1 ota kura farak chha. Hami kaha bata ayeko bhanera birsanchau ra aalo khayera peda ko dhaak launa ma bestha hunchau. Bro chitta dukhayeko haina. Ma ta jhan din dinai roti, saag khana paye khusi hunthe. Pakaune time nabhayera bahira kinera khanu parira chha. Ani 1.5 million ko ghar nahune/thulo thulo kura garne lai thulo hola, ahile ko US housing market ma ra hard working/educated manche ko lagi not a big deal. Hami Nepali ko arko bani/sooch chahi oho ma 70K figure kamauchu, maile saag, dahi din dinai khanai hunna, maile aba Honda ra Toyota chadnai hunna. Ee saab kura ta 40-50 K kamaune le chadne ra khane ho bhanne soch chha. Yo saab kura ukhaan/tukka sanga jodna maan lagyo, "Little knowledge is dangerous ra tuppo bata palako." E sabai bhanai haru dekheka/bhogeka Nepali sanga meel khanchan, Sajha ka Nepali sanga meel khana gayema sayoog matra hunechaan. Last edited: 09-Sep-16 04:10 PM Last edited: 09-Sep-16 04:11 PM

rk11 · Sep 9, 2016 4:10 PM

I485, Your $$ will lose value if you just let it sit there. Set aside a small portion for an emergency fund but you'll most likely gain significantly more than your current returns in savings account which is next to nil!

Sherlock · Sep 9, 2016 7:46 PM

Iam impressed by suraj nepali. Been in us only for two years and saved almost 65k that too working in gas station! How did you manage to do that? You have to at least save like more than 2500$ per month to make that much money in two years. Hats off man Last edited: 09-Sep-16 11:37 PM

Naman · Sep 9, 2016 11:36 PM

@Naman its easy to work and save money if u work in gas station

surajnepali · Sep 10, 2016 6:00 AM

ब्रो ले खोक्यो अनि सतप्रतिसत असम्भब कुरा लेखे है | मैले पनि २-४ जना पी एचडी गरेका अबिबाहित र बिबाहित जोडी लाइ चिन्दछु | समरमा पनि पढाएर ७/८ हजार कामाउछन तर गत १० -१२ बर्समा बार्षिक जोगाड ५-६ हजार हुन् गाह्रो छ भन्छन | अरुको के कुरा आफ्नै कुरा गरौ : जमानामा क्रेडिट कार्डको रिनले काठमाण्डु मा किनेको जग्गाको मूल्य बढेर १०० K माथि पुग्यो बचत सुन्य | एउटा कोठा सेयर गरेर दैनिक चाउ चाउ खाएर दाया बाया केहि नगरेर बसे पछि बर्सको २०,००० जोगाउन सकिन्छा यदि छ फिगरको कमाइ भए ? साथि हो हग्नेलाई भन्दा देख्नेलाई लाज हुने कुरा किन गरि बस्छौ ?

MaGorkhe1 · Sep 10, 2016 6:45 AM

ग्यास स्टेसनको पैसोले बरु रुमपातहरुसंग बसेर काठमाडैंमा घर ठडाइयो अहिलेको पोरोफेसनल जागीरले जान-केटाकेटी पाल्नै धौ धौ भुत्राको सेभिंस हो। अहिले ६ प्याक वियर र १ प्याकेट चुरोट र एउटो ग़म किन्नु पर्दा कनसिरीको रौं ठाडो हुन्छ।Last edited: 10-Sep-16 09:08 AM Last edited: 10-Sep-16 09:12 AM

mangale · Sep 10, 2016 9:06 AM

Gas station ma ni kasari kamaaucha k jhyaap Na jaane samma?? Ghanta ko $10 diyera 60 hrs per week Gare pachi ni cash ma baarsik kamai ta $31200. Tesma ni kanjus nai garera $500 maasik khaana laauna ma puraaye ni Barsha ko $25000 baccha. 2 Barsha ma 65k savings??? Surajji haami lai ni idea dinu paryo dollar chaapne ko laagi

Oh_Gaathe · Sep 10, 2016 9:25 AM

Been in the US for 7 years. Spent 5 years in school. Got a professional job and have been working since 2 years. Salary plus bonus makes 6 figure. Have 65 K in saving and 19K in 401K. No significant debt. Rent. Still, drive my 2010 Toyota Corolla (paid off). I do not compromise in food and clothes: buy fruits and vegs, all organic, and branded clothes. Eat at home mainly [and I am a decent cook :)] but eat out time to time.

seeker77 · Sep 10, 2016 10:37 AM

100k plus salary with 2 years work experience???? IT???

Oh_Gaathe · Sep 10, 2016 11:04 AM

I have been working since last 3 years. Salary 152k and benefits. Saving account 121k. no debt. Life is smooth. I drive honda civic 2008.लौ जा मेरो पालो ! Last edited: 10-Sep-16 06:47 PM

Dhoti_prasad · Sep 10, 2016 11:12 AM

Bihari baabu, IC ki NC ? Any paisa chai kaha lukako ? Kattu ma ?

NepaliSaila · Sep 11, 2016 7:14 AM

डलर हो बहादुर vaai !

dhoti_prasad · Sep 11, 2016 2:35 PM

NepaliSaila bro, ke 150K ($$) kamauna impossible jasto lagcha ki kaso?? Aajkaal dhoti ko bata training liyera kaam garne (afule afulai IT ka guru) bhanne haru le ta kamauchan !!! Testai ustai pare QA le ta 150K khanchu bhanchan (tara malai yesma chahi biswas chaina).

rk11 · Sep 11, 2016 2:55 PM

हाम्रो अफिसां पनि एउटी दक्षिन तिर की मौसि पनि उस्तै training लिएर आको रे . ५ ६ वर्ष भो रेकाम गरेको QA मा. आफु लाइ Test Engineer भनेर परिचय दिन्छे. तनखा कतिछ भनेरसोधेको त , 148k भन्छे बा ? म जिल्लै .

Dhoti_prasad · Sep 11, 2016 3:30 PM

you done quite well... consider that average american doesnt even have $10,000 in bank..

mojaboy · Sep 12, 2016 4:38 AM

यो उखान सुनेका छौ साथि हो " राडलाइ ढुङ्ग्रिमा कनिका होउञ्जेल निन्द्रा लाग्दैन" यी मुला अमेरिकन पनि तेस्तै हुन् | खातामा पैसा हुन्जेल दशैँ आए जस्तो हुन्छ | एक साता पछि " Can I borrow a dollar" भन्न पछि पर्दैनन् १०० डलर त देख्या हुँदैनन् का को २० हजार को कुरा गर्छौ ? नुन थुक गरेर चै न जोगाओ है ? चाडक्यको अन्तिम अन्स " यावत जीबेत सुखम जिबेत भस्मी भुतस्य पुनारागमो कुत " Last edited: 12-Sep-16 08:38 AM

magorkhe1 · Sep 12, 2016 8:37 AM

IT ma 150k? Is it real? i have heard 100k ko job pauna dherai garo interview huncha re. Training le matrai sakincha ta? Aafu lai ta interview vane pachi darr lagera IT ko training pani lina hummat aako chaina. Buda budi ko milayera 5000$ kamaincha. Tesma 2000$ save gaincha monthly. 150k khane haru kaha kaam garnu huncha kasari job land garnu vayo?

Naman · Sep 12, 2016 10:14 AM

150 K is possible in DC area. DC is very expensive place. Mortgage cost at least 450K for town house. Single family house cost at least 600K. Now you do the math. To get job for 150K, you need to have more than 10 years of experience. You need to be a US citizen. You have to have minimum Secret Clearance of DOD. Top Secret pays more.

micky_mouse · Sep 12, 2016 10:50 AM

MM: How to get Clearance and does it  cost? Last edited: 12-Sep-16 01:02 PM

magorkhe1 · Sep 12, 2016 12:53 PM

yo post harera ma lai pani comment garna maan lago. Maile sabai khale manche dhakheko chu. Kasailai khana ma kum kharcha garchan, kasaile launa ma, kasaile ghumnama, kasaile gadi ma, kasaile ghar ma. At the end mero observation chai, manche le kunai euta bastu ma paisa kharcha garchan. That's all on the interest of human being. I believe some thing investing in home is safe, some on land on Nepal, some on dhatu( gold, silver, diamonds), tara sabai le paisa kharcha garchan. khoi khoi chai paisa bank ma rakhera khusi hunchan, khoi invest garera. At the end, sabaile katai na katai paisa kharchan garchan. Sathi bhai haru saving bhayera matra chinta na leu. Afno paristhiti ra samaya ko khel ho sabai. I met someone who said save before marriage because it hard after marriage. Some says I will save after marriage (single huda daru khana bar jana ghumna mai paisa sakincha). Its all on perspective. Save garnu bhanda halka diversify garera save gareko ramro. Tesh ma aafu lai jaha comfortable huncha thahi. If you want to invest on land, go ahead or house go ahead. Its all taking risk. Ma chai car loan, 10k credit loan, aaba bihe garnu cha arko loan. LOL. Been in US for 10plus years. Be happy with what you have is most essential :)

GoneCrazy · Sep 12, 2016 1:16 PM

Company sponsors Secret Clearance just like H1B. This clearance is only for US Citizens for working in classified projects under DOD. You need to have clean records on your all activities including your foreign relationship. You need to surrender foreign passport during the process of Clearance. Clearance level goes in various levels such as: Secret Clearance, Top Secret, SCI, Poly and so on... I do have Active Secret Clearance. By the way, my group is looking for a US citizen. Are you looking for one in software development?

micky_mouse · Sep 12, 2016 1:22 PM

No: In accounting.

magorkhe1 · Sep 12, 2016 2:31 PM

Magorkhe bro, lekhapali ma not much difference with clearance jasto laagcha. I might be totally wrong and would love to know it if that's the case.

anon · Sep 12, 2016 7:01 PM

Saw this video this morning. Made me realize I was spending money on things like few cups of coffee, eating out almost every meal almost everyday. https://www.youtube.com/watch?...

BondJamesBond · Sep 15, 2016 9:41 AM

hi micki mouse bro, i'm a US citizen and working in IT. what type of people you are looking for in your group? thanks.

ankur · Sep 16, 2016 2:31 PM

I strongly suggest people to invest instead of putting money in savings account. 10/15K in saving as a rainy day fund is good enough but rest should go in compounding interest investing for passive or retirement fund such as ETFs and/or mutual funds. Vanguard is one of the easiest and trustworthy investment firm with annual return of 7-10% in ETFs/mutual funds and only needs 10K to open up!

Nepali_hu_ma · Sep 16, 2016 3:18 PM