A journey from its busy streets Mumbai A move to a corporate office in the US is a path of hard work and strategic learning for Samriddhi Mistry. Leave behind a ₹7 LPA job in India, he pursued a Masters in Business Analytics to unlock new opportunities, eventually landing the role of a Senior Business Analyst at Dish Network’s Boost Mobile. Today, he earns $115,000 (approx ₹1 crore) and has a structured financial life. In a conversation with HT.com, she opened up about her “NRI experience” and the monthly expenses of living in the US with her husband.
The woman from Mumbai who has now made a life for herself in the US with her husband. (Smriddhi Mistry)Why did he move to America?Samriddhi Mistry of Mumbai was working as a financial analyst at ADP, earning ₹7 LPA when he takes a bold decision to leave his “stable job” and move to another place America For higher education. In 2022, he started his journey and finally completed his Masters in Business Analytics.
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His bold decision and hard work paid off, and he now works at Boost Mobile, a Dish Network subsidiary, as a Senior Business Analyst. “I earn $115,000 per year,” he told HT.com
What are his monthly expenses?She lives with her husband and shares monthly expenses including rent. A significant portion of the monthly budget is devoted to housing and home maintenance. Samriddhi and her husband share the rent almost monthly ₹2,35,381 which comes to approx ₹1,17,685 per capita. To keep the house in order, they hire a cleaning service once or twice a month ₹15,000 per visit. For the rest of the time, the couple manages household chores themselves, striking a balance between convenience and cost savings.
When it comes to daily living, Mistry prefers home-cooked meals, which keeps the “eating out” budget manageable. ₹45,000 per month. However, as a rough average, grocery costs remain a major line item ₹90,000 monthly, although this number fluctuates at times. Additionally, she and her husband have a unique approach to health care expenses, spending approx ₹1 lakh every three months to maintain a well-stocked supply of over-the-counter medicines.
Financial discipline is a key part of his lifestyle, with 10% of his gross earnings automatically directed to an emergency fund. Beyond his life in the United States, Rich maintains a strong financial connection to his roots, spending modestly ₹80,000 per month for “India expenses”. After calculating another ₹50,000 or miscellaneous expenses, his financial plan focuses on achieving long-term independence and early retirement.
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He told HT.com, “I am planning towards financial independence and possible early retirement. I consistently invest in a diversified stock portfolio, contribute to retirement accounts and focus on increasing my earning capacity. My goal is not only to retire early, but to build enough wealth that work becomes optional.”
How is his life in the United States?Mistry shared, “More about me: I enjoy travelling, creating content, listening to podcasts and reading. I am passionate about helping people achieve their dreams and giving back to the community through education, financial support or other meaningful initiatives.”
