Risk Management Pro . NRI in Dubai . 15+ years in finance
Stop guessing with your life savings. You need the hard math nobody explains.
Avoid the invisible traps that quietly destroy your wealth. As an NRI, you need a different approach. One raw letter a week. No hype, and nothing to sell.
About
I analyze risks for a living. Read my letters.
For over fifteen years, my day job has been to look at complex financial setups, find the hidden traps, and kill the risks. I am also an NRI living right here. I face the exact same high stakes you do: trying to fund a world-class education for my kids while building an untouchable pile of cash for retirement.
Right now, most Indians abroad are walking through a regulatory minefield completely blindfolded. The system thrives on your confusion, tricking you into buying high-fee junk that destroys your wealth. I don’t offer personal consulting or sell products. I write this plain-English letter to tear away the smoke, expose the traps, and give you the brutal math so you can protect your own family.
Start with the free guide →Tools that do the math for you.
Free calculators built for Indians abroad. Find your residency status, your real tax on a property sale, and the savings a UAE certificate unlocks. One answer, one click.
Projects
What you can get from my work.
Stoic Investing
Your weekly edge. One Stoic idea applied to money. Free, forever.
QUIZZY
Test what you actually know — not what you think you know.
Emirates Diary
The honest guide to life, money and opportunity in the UAE.
Success10x Podcast
The conversations I wish someone had with me at 25.
NRI Letters
Essays written for myself. Ideas that sit with you.
Writing
Latest writing.
Who Is, and Who Is Not, an Indian Citizen: A Definitive Guide to the Constitution, the Citizenship Act, and the CAA
A friend in Dubai asked me last week whether his daughter, born in a Sharjah hospital, is Indian. He was...
182, 120, or Zero: The India Tax Test That Decides If Your Dubai Salary Stays Yours
Your Dubai salary lands on the 28th with no tax taken. You want to keep it that way. One wrong...
The USD 1 Million Rule: How Much Money You Can Actually Move Out of India?
You sold the Bangalore flat. The buyer paid, the bank deducted its tax, and now a little over two crore...
Selling Property in India as an NRI, and Why the Buyer Holds Back So Much
You sell your flat in India for ₹1.5 crore. Your profit is ₹40 lakh. Then the buyer hands you the...
The India-UAE Tax Treaty Explained for Gulf Residents
Your bank in India is probably taking too much of your money. Not stealing it. Just deducting tax at the...
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