My Financial Plan To Make $150000 Without Needing H1B Visa
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- Опубликовано: 4 сен 2024
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My Financial Plan To Make 1.5 Crores Without Needing H1 B Visa, I Wish I Knew It, Financial Plan To Make 1CRORE Before H1B, You Can Save 1Crore Without H1B In USA .. Follow My Financial Plan, My Personal Finance Tip Will Save You 1Crore Without H1B In USA, How to make Passive Income on H1B Visa and F1 Visa, Personal Finance, I Invested In These STOCKS & Made, Passive Income on F1& H1B Visa, Personal Finance, How to invest in Stocks In America, How stocks work on F1 and H1B visa, Your guide to invest in stocks, Stock market investments, Passive income guide, How to make passive money through stocks, Stocks of different markets, you should invest in These stocks, Wall street, Personal savings, how to save money, how to make money, Yudi J, Bruno J, The Golden Retriever, American Lifestyle, Earning money on F1 and H1B visa, This Indian guy, Indian students in America, American culture shocks
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You can watch the video at 1.5x speed, hopefully that will save some time and should be understandable
Happy Birthday Yudi! The content that you are providing is really commendable. I am just so blessed and gifted that I've got you to follow the footsteps of!
Keep Smiling! Hope that one day we'll meet each other! 😀
Happy birthday YUDI can u please share that Excel sheet ! Will be helpful for me Im planning for Spring 2021 😁
Happy Birthday bro, your content helped with my anxiety woth many topics. Keep up with the good content!!
Very over optimistic analysis.
- Money made could be less as a lot of students don’t get an on campus job or internship. So the 24,000 could come down to 0 for a lot of students out there.
- Money made during full time could be ideal there.
- The main issue comes from tuition not being considered. When we consider that it would be -60,000
- Another big problem here is with expenses. During school the exp could be 400-1000 depending on the area and post school it would be around 1000-2400 per month again depending on the place.
What I know from my friends around who are working out there, is that they made an average totaling up to $25,000 per 5 years in us and start reconvening more there after.
I would sincerely suggest to reconsider the assumptions you had while making the video and break it to extreme case like CA vs Oklahoma.
This surely is a best case scenario and not a worse case scenario.
@@prateeshreddy136 don’t count on it.
It’s a very over optimistic analysis.
I have been in US for quite sometime now and can assure you, you would not even make half of it.
Assumptions like on campus job, getting full time job on time, and best of all tuition have not been considered through out this video.
I would suggest talk to someone in US who recently graduated and learn from their story. This is not advisable at all.
But a major expense is the tuition fee which is most of the time a loan with an interest of ( 10 % ) , which hasn't been considered .
It’s too conservative just at 1000 dolar expense ~ 750(rent +utility) +350 food + 200dolr(phone+wifi+electricity+gas)+600dolars car emi+150dolar car insurance+100dolr gas~minimum 2150$ and if you go out or go to india for vacation ...something it will be more. So one should consider that he will spend approx 3k a month
Agree a 100%, I lived in the Midwest for a lot more than $1000/mo. This is so impractical. For $500 in rent you’d get a shack in most places, not a shared apartment. Forget getting a place for yourself to live peacefully, like a working adult.
1k including rent in California ? I paid 1900 just for rent sharing the apt with 3 people.
Are you earning 80k in California?
@@karthika2252 Hahaaa, touche
There are a few problems with your calculations:
1. USD 500 and 1000 are too conservative values for living expenses. Actual costs are closer to double that amount (based on discussions with family and friends who have done their MS in the US).
2. Most students would be paying off their student loans so will not have such a large sum saved up by the end.
3. Getting a 7% rate of interest on short-term investments of less than 5 years is pretty much impossible. Index or Mutual Funds need 5+ years to start giving returns at 7%.
In case I have left out any information which answers these concerns, kindly let me know.
Very true man! He assumed a lot of things wrongly. I have lived in the US probably more than him. Rent in Cities like Denver, Chicago, NYC is so much. I know people paying $1800 in Colorado for one bedroom apartment. Stupid calculations and went too off! He’s in CA that’s why he would be making around $100k. No one will give him that much money in other parts of the US given that he’s into Project Management
@@VG-ew4cn I live in California and above is based on my city. You might have not watched most of my podcast, people have said they get 40$/hour for an internship so there's that.
For fulltime they said its 120-140k Well I put down 80k :)
Like I said I have assumed the lowest salary and lowest expenses.
Talking about education fees Chico State per credit fees is 376 so multiply that by 36 = You get my point?
Sure if you choose to go to college which has 60-80k fees, then deduct that from your savings. and sure if you don't make enough money and still have living expenses of 1200-2000 then yeah deduct accordingly.
this is a blueprint of what I did and just update the cost and expenses according to your situation. It won't be the same for everyone for sure.
I really appreciate what you are doing, but I don't agree with some of the stuff you have mentioned. It could be misleading.
First of all: You can't generalize monthly expenses to 500. It totally depends on the state and city you live in. I was in Greenville South Carolina, staying with 3 other people with minimal living, no car, no eating out, and no outdoor activity, and still end up spending almost 400 to 450 bucks.
Second thing: Again generalizing expenses during OPT. Once you start OPT / Job you have more hidden expenses that you forget to mention. Rent increases as you start living alone or with a lesser number of people, you own a car so you pay car payments, car insurance payments, health insurance deductions from salary. Also, many students like me have an education loan from India. I had to spend all my OPT savings from the first year to pay off that loan as well.
What about expenses when you apply for EAD? I guess 400 bucks.
You did mention six years of saving, but you forgot to mention travel expenses to India. Are you expecting the student to not travel and visit family back in India in 6 years? At least 2 to 3 times students will travel to India. What about those expenses? Flight tickets are not cheap.
Once you start earning, people tend to spend at least some money on local travel, clothes, appliances. YOu can't expect students to be in the US for 5 years and not spending a single penny on clothes, travel, appliances.
You have calculated savings based on the average salary of 80K per annum. Again some part of the country students gets 60K, 65K, 70K as start salary for fresher.
Again I don't mean to demean you. My opinion is that you can't just generalize stuff and say you can save 1 crore in 5 years (2 years college plus 3 years job). It is very misleading. Not all can save 1 crore in those 5 years. I know many people who haven't saved 1 crore. Looking at this video could influence many students to take decisions which they might not want to.
Yudi, I am really proud of you for your concerns about International students specially for Indians. You are doing a great job for students. May God bless you.
Hi Yudi bhai,
I think this is the right time to ask you this question, as I am applying for fall’21. If someone is coming to US for masters while keeping in mind that he/she is taking education loan. What range of tution fee university should we apply for? As we need to return this amount at some point of time. Sometimes I feel like applying in good university whose tution fee is bit high then I restrict myself to budget range university though I know I can get into those good university with my profile. I hope you’ll read this message, finger crossed 🥺
Yudi, kindly make a video on “stocks to invest”
Next one
Happy birthday Yudi! Stay blessed and keep smiling, keep hustling!
This matches with my calculations, thank u for making me understand that, I'm on the right track
500 is no way near enough for a month. My rent is $435.
This is very conservative bro. I don't think someone would be living such a frugal life after getting a job or even during college. My expenses were 800 dollars during college(and I was conservative) and it's around 2k at this moment. I feel trying to reach this figure would lead to a very miserable few years for the person. won't recommend it!
Depends on area to area :)
I pay 1.5k and have a house which is 10K Sqft living lavishly in California and a highly safe and beautiful neighborhood.
My expense is $800 after getting job in Dallas....What do you do with $2000? Share apartment, use metro, drink less. You should be good.
@@YudiJ is that including the mortgage payments. Still you live with your wife. you are sharing expenses. sO you actually can't compare that to someone who just got a job. I would say 1500-1800 would be appropriate monthly so you can atleast enjoy after spending your college life frugally
@@piyushwani4504 that's the point. I shared an apartment during my college years. and the fact I got a job was to live a more comfortable life. Why would I go back to sharing an apartment. Why would I use a metro, instead of a car(unless i am in new york). A car gives me more accessibility and ease in life. I don't drink that much anyways. But I do travel sometimes. I feel you should do that too and have a realistic figure so you can balance between happiness and savings,
@sarthak seth It's a personal preference. I just graduated and started working since 6 months. I am debt free now and want to save for house down payment. I didn't buy a car because of wfh setup until mid 2021. Sharing my apartment with two other guys saves me 66% on the 3 bed apartment rent without any adjustments which is much better than 1 bed rent. Btw with all this I travel on weekends to near places with roomies so I am happy with my life.
A great video!! Please make more of the same. I disliked the video you uploaded the other day due to the clickbait thingy but this one is pure gold. ❤️❤️
Belated Happy birthday!!
Keeping making videos like this!!
Happy Birthday Yudi!! thanks for all your work, be blessed!
Bhai your content is worth more than 1cr and you have a golden heart 💛..
...keep rocking,keep shining happy birthday.....I also sent a message to you on insta though 😂😬
Thank you so much 😀
Hi yudi ! Please make a video about pursuing MBA in top universities in US and what type of extra curriculars and work experience is required to get admitted in them. It would be of great help.🙂👍❤️
GOAT video!! 👍🏻
Everything is crystal clear, but my only question is that are expenses this low even in cites like SF, LA?
I know the income would be more there but only $500 per month for a student life!
I heard that even rent is more than 500$..
so can we manage to live a decent life(sharing basis) as a student under $500-650?????? Is that realistically possible?
My rent was 225$ with personal bedroom so yeah.
That’s why I averaged it out a lot.
SFO your expenses will be like 1500-2000 but you will be make 130-150k instead of 80 :) so do the math.
@@YudiJ what are the chances of getting a job within 3 months of post graduation in this pandemic time?
Thanks for this yudi you are great. And happy return of the day ❤❤❤
Happy Birthday Yudi bhai ,
you're really very motivating and hardworking guy I have seen, you are a mentor to each and everyone who watches the videos.
Happy birthday 🎂!
Loving the series 🔥🔥🔥
Amazing breakdown... Thank you 👍🏻
Bro please do videoon your joureny that how you go to is and how you took a room how you studeied and how you setteld and what to do if other peolle want to come.from middle class family
Happy Birthday Yudi 🍰 🎂🎂🎂
Your awesome! Very honest and always want to help 🙏
🙏🏼❤️
Happy Birthday Yudi J..Keep posting videos
Happy birthday Yudi....May god bless you with all you desire
Very informative, thanks Yudi!
loved this ! thanks for the info
Wishing you a very Happy Birthday Yudi Bro!!!!!!!!!!!!! What an amazing video. It was HIGHLY INFORMATIVE w.r.t Finances and how one should plan well. Thanks a lot for this video. KEEP SMILING AND KEEP HUSTLING.
There is one harsh reality nobody speaks about. You spend around 40-60 lakhs getting an education abroad. And after 5 years you have about 50 lakhs. If you have to come back to India. Then would you have been better off investing it in India? Only if you're planning to stay back and create a life abroad would it make sense. Just my 2 cents.
Clean and clear!! thanks a lot
Great Video on personal Finance Management . Great job Sir 💯💯
Glad it was helpful!
@@YudiJ Yup🙌
First of all , Happy birthday 🎉🎊
Thanks a lot for this great information.
Good for understanding. Some comments, loan of 35 lakhs, Fees it self comes to 33 to 35 lakhs for 4 sems. Plus 12k USD leaving exp. If one visits to India another lakh or two. On earning side many students don't get campus job for first 1 year.
Happy Birthday buddy! 🎉🎉
- 50 lakhs or 70,000 usd student loan
sure. mine was 25 lakhs :)
Happy Birthday brother !! Lots of wishes to you and your family !! Keep Hustling !! 🎉🎈🎂
Very helpful videos Yudi! International students on f-1 visa can invest through Robinhood right? Thanks!
Love this series Yudi!
I request you make a video on which stocks to invest in?
This Guy-Yudi J- Rocks big time!
Thank you so much
Great video bro!! btw To 1 crore and beyond.........😉😉😉
Wohoo
Bhai you solved the most common problem of middle class students. And make us more confident. Thanks bhai ❤️
Wohoo 🙌🏻
Happy Birthday dear Yudi. God bless you.
Such an informative video as always! Will surely keep all this in mind after arriving in the US. Thank you, brother 🌟❤
Awesome!
This was so good yudi bhai...Tqsm..please continue this series.
First of all Happy Belated Birthday, seeing your videos gives me confidence.Thank you and keeping making more vidoes.
Very over optimistic analysis.
- Money made could be less as a lot of students don’t get an on campus job or internship. So the 24,000 could come down to 0 for a lot of students out there.
- Money made during full time could be ideal there.
- The main issue comes from tuition not being considered. When we consider that it would be -60,000
- Another big problem here is with expenses. During school the exp could be 400-1000 depending on the area and post school it would be around 1000-2400 per month again depending on the place.
What I know from my friends around who are working out there, is that they made an average totaling up to $25,000 per 5 years in us and start reconvening more there after.
I would sincerely suggest to reconsider the assumptions you had while making the video and break it to extreme case like CA vs Oklahoma.
This surely is a best case scenario and not a worse case scenario.
Happy birthday Yudii bhaii!!!!!
Happy birthday Yudi have a great time God bless u
Very detailed information and the calculations are crystal clear !! Much much needed for all the international students .. Keep them coming ... the excel sheet was spot on ... waiting for more personal finance videos .
#keepsmilingkeephustling
This was so good , please continue this series.
Happy Birthday bro 🎂. Thanks for your awesome videos it had helped so much and I’ll be in usa soon 🔜
Happy birthday yudi, have a great time.
Hey Yudi, can you link the excel sheet in the description? It would be very helpful
Loved it bro. Waiting for the next episode in this series. Lots of love to you. Keep smiling. Keep Hustling. Keep Helping.
You always rock yudi.🤩 Great video
Happy Birthday Yudi 🙂 Stay blessed.
Happy birthday yudi. Many more happy returns of the day.
Please apki journey india to wedding
Happy Birthday Yudi🎂🎊
Thanks for giving much support and motivation for MS ❤️🙏
Happy Birthday Yudi !
Can you recommend any books to read for learning the best philosophies for investment and savings? Also, the same for understanding different instruments in financial markets and understanding personal finance more in-depth?
Thanks for the awesome content and wish you a happy birthday!
Yudi ,please bring up more this kind of videos!! investing in index funds, stocks/ financial planning!! appreciate it bro!
Happy b'day Brother!! stay blessed!
"1 crore rupees" the content you Provide for the international student's is awesome, Keep smiling and keep Hustling 👍🤟🤟😊
I live in California, $1700-$1800 is good range for total monthly expense if you have monthly car payments and living in shared apartment, but this video gives new perspective how saving can help you to build good capital and if you start investing early then how you can grow your money even better...
Make sure you know expenses for your prospective city!
Happy birthday brother 🎉 stay safe and healthy always
I wish you a lots of many many happy returns of the day Yudi🎂🎉🎂🎉
Bhaiya,USA me salary of Doctor (Physician) avarage me ktna range (min-Max) me rahta he ?
Bhai totally loved the quality content you have put in the video. Just one thing to know. What that picture in chinese/Japanese means(that one below the live love laugh poster)?
Many Many Happy returns of the day Yudi J....
Happy birthday buddy, stay blessed.
A very happy bday Yudi Bhai. One thing I want to discuss that 1000$ as an expense is far less. In California, only expenses and living very high in suburbs or in cities and you made a video about San Fransisco( bay area ) where rent for 3bhk was 4200$ so even if we take 1 back it will be 1400$ as rent minimum and including everything ( car insurances, food) it results in 2000$ or 2200$. Since more jobs of 90k + salary or more is only in bay area etc Please explain.
@Yudi thnx for this I really needed this. Also can u make a video on associate degree. I am planning to get my undergrat through this way.
Wish you very happy birthday Yudi. Have a great year ahead.My son Parth Amlani,MS from NYU, working at UpwardFarms,NY under H1b. Talking him about your advice.Keep it up. God bless.
This is GOLD! Thank you for the breakdown Yudi
Wohoo 🙌🏻 thank
Yudi sir we want information on how to get assistant ship before coming to USA , full process to apply by taking example
Made a video
@@YudiJ yea we all want
HBD yudi
Good info and work thx,for masters what about uni fees expenses and loans money??
Hi Yudi J I totally luv your video content I wanted to request you to shoot an video for MBA student just the same as you do it for MS student it would be big help as what are their requirements which state to choose for MBA..
Happy Birthday dude, stay cool :)
whats the best time for making emergency fund between these years, cannot it be the initial years of your masters?
Happy Birthday 🎉 love your vlogs❤️
Yudi bhai i am enrolled in MSCS at Washington state university and just last week they announced that they will take spring 21 online and they said they don't want students coming this spring and stopped giving i20s. I am now in a very bad spot. I have paid 2000$ deposit. I don't know if I should ask for refund and change university or go online. What would you recommend. I am 2019 graduate and i took a gap year😓
How did you account for $500 expense per month? And $1000 after graduating? These don’t seem realistic AT ALL? Rent in itself is 500 without including phone bill food expense and what not?
I need to come to the USA as a student . Can you make a video about the cost of living in America
The way you care for international students is great. Keep smiling and keep hustling
I watch almost all your videos it’s helps a lot. It will be nice if you can make video on blockfi
Wonderful video for international students !
1 crore rupees, I am waiting for what to buy , what not to buy episode
soon
Wish you a many more happy returns of the day 🎂
First of all a very happy birthday!
Thanks for this financial videos series..much needed!
1 doubt - the rent itself is around 500$ in NY area plus the other expenses like food n all should take another $500 right?
Why did you say that it is a matter of concern if it comes to $1000?
I've been living in LA, it's not possible if you care about personal space or cleanliness or if you believe in living life for an experience rather than competing for money. However, I've seen people shamelessly living with 6 roommates in a 1-bed apartment. You will want to throw up if you walk into one of those because of the smell and hygiene.
When expense is high, salary will be high.
So in NYC you will be making 120k instead of 80k so that compensate high expense
Bro im 15 my dream is also studie in usa money is little bit problem my parents say if you study well we look it bro when you go to usa what is the fee in that university plz reply❤️❤️❤️❤️❤️😭😭😭😭please bro my Dream
Belated 🎉 Happy Birthday 🎂
Mine is on 12th (today)🙂
I really appreciate your contents 🙏
Awesome bhai , can you please do the same thing for mechanical and industrial engineering student base , it helps alot bhai , please do.
very helpful videos keep making more
Happy birthday Yudi. You gave clear explanation but this is best scenario when you have job since first semester.
In covid time since last January campus job is not possible.
Add calculation about if a student is paying half tutiion fee by themselves , in that case would they able to save and invest after expenses?
Great video though ❤️