Retirement & Tax-Advantaged Accounts
Your Retirement Corpus by Age: Pre-Tax vs. Post-Tax
Fidelity's age-based savings benchmarks, a worked compound-interest example, and why the pre-tax/Roth split changes if you may not retire in the US.
What Happens to Your 401(k)/IRA If You Move to India
Your 401(k) and IRA don't need to be closed when you leave the US, but tax treatment changes once you become a nonresident alien. Here's what actually happens.
401(k) vs. IRA for H1B Holders: Fund Which First?
H1B holders can use both a 401(k) and an IRA, but the funding order matters. Here's the sequence, the 2026 limits, and what changes if you leave the US.
Backdoor Roth IRA Step-by-Step for H1B Holders
How to fund a Roth IRA once your income is above the direct contribution limit, including the pro-rata rule that catches most first-timers off guard.
Should Early-Career H1B Holders Open a 401(k)?
Yes, but only after an emergency fund sized for visa-related job loss risk — here's why maxing out early undersells that risk for H1B holders.
Fidelity BrokerageLink Explained (And Its Roth Trap)
BrokerageLink opens your 401(k) to a much wider fund universe, but routing after-tax mega backdoor Roth contributions through it usually backfires.
FSA vs. HSA: You Usually Can't Have Both
A standard health FSA disqualifies you from HSA contributions entirely. Here's the 2026 numbers and the decision that actually matters: HDHP or not.
How Much Do You Need to Retire as an Immigrant?
Your retirement number depends on where you retire, not just how much you save. Here's how to target a US retirement, an India retirement, or either.
How to Build Wealth on a US Salary as an Immigrant
The order of operations for building wealth on a work visa or green card — dual-obligation saving, repatriation-proof liquidity, and status-aware timing.
How to Qualify for a HELOC as an Immigrant Homeowner
The combined loan-to-value formula lenders actually use to size your HELOC, plus how visa status, ITINs, and EAD self-employment change what you get.
Mega Backdoor Roth IRA: How It Works, Who Qualifies
The mega backdoor Roth can shelter tens of thousands more than a regular 401(k) limit, but only if your plan allows after-tax and in-service withdrawals.
RMD Basics: What You Must Withdraw Starting at 73
How Required Minimum Distributions work, when they start, and the exact math the IRS uses, plus what changes if you've moved back to India.
Term vs. Whole Life Insurance for H1B/Green Card
Why term life beats whole life for most immigrant families, how employer group life falls short on a work visa, and when you can stop buying coverage.
When to Skip Pre-Tax and Go Roth Instead
The Roth-vs-pretax decision comes down to one comparison: your tax rate today versus your best guess at your tax rate in retirement. The real math here.