Path
Building Wealth
401(k)s, investing, insurance, and equity comp — with the visa math included.
FBAR, FATCA, and the PFIC Trap: What Your Indian Accounts Owe the IRS
Your NRE account, PPF balance, and old mutual-fund SIPs back home don’t just sit quietly once you’re a US tax resident — they can trigger three separate IRS filings, each with its…
Emergency Funds Across Two Countries: How to Size and Split One When You Might Leave
The six-month rule was written for people who won’t need to leave the country on 60 days’ notice. Here’s how to size an emergency fund that actually covers a visa holder’s two…
The RNOR Playbook: India’s Returning-NRI Tax Window, and How to Use It
India gives returning NRIs a two-to-three-year window where US gains usually escape Indian tax — but it is not automatic, and it does not last. Here is how to use it correctly.
Buying a Home on an H-1B: The Mortgage, the Down Payment, and What Happens If You Leave
H-1B holders can get a real conventional mortgage — but the math only works if you price in FIRPTA withholding, transaction costs, and the 30% rental-income trap that hit if you leave.
HSAs on a Visa: The Triple Tax Advantage, and What Happens When You Leave
A Health Savings Account is the only US account that escapes tax three times over — here is who on a visa actually qualifies, how to invest the balance, and what really…
First 90 Days in America: The Money Setup Checklist for Visa Holders
SSN timing, which bank accounts to open, how to build US credit from zero, renting without a credit history, and reading your first paycheck correctly — the order that matters in your…
RSUs on a Visa: The Sell-vs-Hold Math When You Might Leave
RSU vesting is taxed as wages the day it happens, not when you sell — and the sell-vs-hold decision changes completely if a move abroad is on the table. Here’s the math…
Term Life Insurance for Visa Holders: What Actually Changes When You’re Not a Citizen
Your employer’s life insurance ends the day you leave the job, and most guides never mention whether a visa holder can even buy a policy. Here is what individual term actually costs,…
The US–India Tax Treaty, Translated into English
Which country taxes your salary, dividends, 401(k) and Indian income — and why the treaty means you usually pay the higher rate once, not zero and not twice. Plus the three windows…