印度VS海外：好工作在哪里？

 
 
@SilverTrekker
Money is not everything. What about Clean air, dispiclined society, hygenic, welfare facilities, clean water, free schools?
 
錢不是一切。那干凈的空氣、有秩序的社會、衛(wèi)生條件、福利設(shè)施、干凈的飲用水、免費的學(xué)校呢？
 
@gullss1
As someone who has lived abroad for all my professional career (16 years).. the idea of making money abroad at the start of career and moving back to jndia when aged 35-40 makes a lot of sense... professionally you will be placed in senior management roles and financially you would be in a good position as well.. it is a difficult move for anyone to do it but with current setup this is ideal.. ideal for family and kids also.. myself in midst of doing the same..
 
我在國外工作了整整16年……職業(yè)初期在海外掙錢，等到三十五到四十歲再回印度，這種安排非常有道理。那時你在職業(yè)上大概率已經(jīng)是高管級別，財務(wù)上也很穩(wěn)健。雖然對任何人來說，這都是個不容易的決定，但以現(xiàn)在的局勢來看，這是最理想的方案，對家庭和孩子也一樣適合。我自己現(xiàn)在也正準備這么做。
 
@abhishekkumarpathak8450
I can observe that all 4 have a big bellies, I think that is the first sign of financial independence
 
我發(fā)現(xiàn)那四位肚子都不小，我覺得這大概是財務(wù)自由的第一個信號。
 
@abhishekgupta9075
Whole discussion is baseless. Money is not everything, after 30/35, family and spending time with family matters.
Go abroad, enjoy life and come back to enjoy culture, friends and family. Just what I have done.
 
這整個討論沒有太多意義。錢不是全部，三十歲、三十五歲之后，家人和陪伴才最重要。
出國賺錢享受生活，然后回國享受文化、朋友和親情。我就是這么做的。
 
@Pushkar2310
Irrespective of where you live, thinking too much about money won’t help in the long run. While financial stability is important, neglecting health and fitness can have serious consequences that no amount of money can fix.
I couldn’t help but notice that in discussions about living in different countries, the focus is almost always on financial aspects. Yet, none of the speakers on this podcast emphasized the importance of health or fitness in the equation.
It’s time to shift our mindset. A balanced life—one that values well-being as much as wealth—is what truly matters. Let’s start giving health and fitness the attention they deserve, alongside financial considerations.
 
不管你生活在哪里，過度糾結(jié)錢的問題，從長遠來看都沒什么幫助。雖然經(jīng)濟穩(wěn)定很重要，但如果忽視了健康和體能，將來可能面臨無法用錢解決的嚴重后果。
我注意到每次談?wù)摗霸谀膫€國家生活更好”時，大家都只關(guān)注經(jīng)濟層面，在這期播客里，沒有一個嘉賓提到健康或身體素質(zhì)的重要性。
我們該換個思維方式了。真正重要的是一種平衡的生活方式——既重視財富，也重視身心健康。是時候讓健康和健身享有應(yīng)有的位置了，它們不應(yīng)再被忽視。
 
@templogical3095
I earn in euros while staying in india. I think this is best of both the worlds as i earn in euros and spend in rupees
 
我人在印度，收入?yún)s是歐元。我覺得這真的是兩全其美，一邊賺歐元，一邊花盧比。
 
@samsungmathew5040
I worked in india and currently in Australia. I didnt come here for money. The Air quality, water and the lifestyle . Even if i didnt have financial independence, i still would opt out of india. And i m not even getting to corruption, population etc
 
我曾在印度工作，現(xiàn)在定居在澳大利亞。我來這里并不是為了錢，而是為了空氣、水和生活方式。哪怕我沒有實現(xiàn)財務(wù)自由，我也會選擇離開印度。更別提腐敗、人口這些問題了。
 
@SP30039
I was making 5L per annum in Bombay at 22 in marketing. Moved abroad, did my masters, now at 27 my monthly salary is the same as my annual salary in India. Trust me, if you are smart and know how to save your money well, it makes such a HUGE difference. I have a single mother that I take care of and moving abroad has given me so much financial freedom to actually take care of her completely. Till now (touchwood) there has never been a moment where she wanted something and I couldn’t get it. It would have taken me 10-15 years to achieve that in India.
 
我22歲時在孟買做市場營銷，一年賺5萬盧比。后來出國讀了碩士，現(xiàn)在27歲，我的月薪就等于我當(dāng)年在印度的一年的收入。相信我，如果你聰明并且會理財，差距真的巨大。我一直照顧著單親媽媽，出國給了我足夠的財務(wù)自由，讓我能全力照顧她。到現(xiàn)在為止，她還沒有提出過任何我辦不到的事。如果在印度，我可能需要十到十五年才能達到這個狀態(tài)。
 
@sj_wanders
This discussion shouldn't be abroad v/s India but instead one regions like (Candada/Aus/UK v/s India) , (USA v/s India) etc... No one beats USA salaries.. Good techies are either in India or USA... Canada/UK mein sab kachra hay!!
 
這個討論不該只是“海外 vs 印度”，而應(yīng)該具體到地區(qū)，比如“加拿大/澳洲/英國 vs 印度”或者“美國 vs 印度”等……沒有哪個國家能在薪資上比得過美國。優(yōu)秀的技術(shù)人才要么在印度，要么在美國。加拿大、英國這些地方基本都是垃圾配置！
 
@makkialqaosain8872
This. I'm British and can attest it is trash. Never mind if you're an international student. My advice is if you know people in the UK who can refer you to jobs come here. Otherwise just go to the US or just stay in India.
 
說得對。我是英國人，我可以作證——這里就是一團糟，尤其是如果你還是留學(xué)生的話就更難。我建議你如果在英國有熟人能內(nèi)推，那就過來；否則，直接去美國或者就留在印度吧。
 
@manishtandon3171
We moved permanently to Australia from Gurgaon. AQI is 4-40 entire year, girls are SAFE, Milk is PURE and Not shampoo/urea, vegetables/fruits are Near Organic, we drink tap water and temperature ranges between 20-30 degrees. BEST DECISION in life and Plenty of jobs & Desi community.
 
我們?nèi)覐墓艩枌谰冒岬搅税拇罄麃?。這里的全年空氣質(zhì)量指數(shù)維持在4到40，女孩很安全，牛奶是純的而不是洗發(fā)水加尿素，蔬菜水果接近有機，喝的是自來水，氣溫全年都在20到30度之間。這是我人生做過的最正確的決定，而且這里工作機會多，印度社區(qū)也很完善。
 
@FlorentGulliver
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
 
我今年54歲，我和妻子對未來非常焦慮，這里的天然氣和食物的價格每天都在漲。我們的積蓄被高漲的生活成本吞噬得差不多了，根本沒辦法補回來。雖然我們能維持生計，但完全看不到前進的希望。在這個危機之下退休，我只能為這些人深感遺憾。辛苦工作三十年，最后卻讓這個扭曲的系統(tǒng)把一切都拿走了。
 
@UfndhvrfEjhdiqof
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
 
我懂你的痛苦，作為一個同樣退休的人，我建議你研究一下指數(shù)型被動投資，多學(xué)習(xí)點理財知識。我自己起初找穩(wěn)定的被動收入時也跌跌撞撞，后來請了位專家顧問，按照她的建議，我投了三萬美元進價值股和數(shù)字資產(chǎn)，現(xiàn)在已經(jīng)漲到二十萬了，我基本上也準備好迎接未來的一切了。
 
@gwalia.online
In my opinion, the real luxury of life is to be able to enjoy life to the fullest, grow to be a better human everyday, be the best for others, have choices open for you at any phase of life. As a common man, this is becoming impossible in india.
Only way out is to move abroad at young age, get a strong passport, generate wealth till mid-30s, pay taxes in a country where it feels like an investment in your future and not a burden. It is far better to live below your means in an expensive country, than struggling to match superficial expectations of indian society. I dont even want to talk about the failure of almost all indian institutions. Dont even talk about the poor air quality which will ensure than you dont have any life left after retirement age and all savings will go into health treatments.
90 crore indians are younger than 30 years. Do they have a comfortable future? Imagine the level of struggle waiting for them when they enter the workforce. Now, imagine the level of struggle, when jobs market becomes even more tight due to disruptions of AI.
 
在我看來，真正的奢侈是能盡情享受生活，每天成長為更好的人，成為他人生命中的光，并且在人生的任何階段都擁有選擇權(quán)。對一個普通人來說，這在印度已經(jīng)越來越難實現(xiàn)。
唯一的出路就是年輕時出國，拿一份強有力的護照，三十幾歲前完成財富積累，在一個交稅感覺像是為自己未來投資而不是負擔(dān)的國家生活。在昂貴的國家過簡單的生活，也遠勝于在印度苦苦迎合那些表面的社會期待。我甚至不想去談印度那些幾乎完全崩壞的制度。更別提那糟糕的空氣質(zhì)量——到了退休年齡，你的人生基本也就耗光了，所有的積蓄最終都會花在看病上。
現(xiàn)在印度有九億人不滿三十歲，他們的未來真的會舒適嗎？想象一下，當(dāng)他們步入職場會面臨怎樣的競爭？再想想未來人工智能帶來的沖擊，職場將會有多緊張？
 
@perinkolamchandrasekaran
Well run discussion on this topic. In my opinion ( I came to USA in 1973 - did higher studies and stayed back - been here 52 years) and retired four years ago from my academic job as professor. It is too complex a topic to come to a conclusion as to which is better : India or Abroad. Either can work out depends on your circumstances.I say comparing India and Abroad is like comparing Apples and Oranges. Both are fruits, but there are so many differences between the two fruits. For me and MY family with two kids raised here ( The issue of kids and their education was not discussed in the youtube) , it worked out better. But , during the current economic and political environment - I am not sure how smart it is to come and settle down in this country. People from India on H-1 Visas have been waiting for 15 + years with NO green card prospects !. But studying, working and living in another part of the world teaches you many life lessons for sure. So whether You get rich or not - the life experiences you get are worth something.
 
這個話題的討論組織得很好。就我個人而言（我1973年去了美國，讀了研究生后留下來，已經(jīng)在這生活了52年，四年前從教授崗位退休），我覺得“印度更好還是海外更好”這個問題太復(fù)雜，沒法給出一個統(tǒng)一的答案。每個人的情況不同，結(jié)果自然也不同。拿印度和海外作比較，就像把蘋果和橘子放在一起比——它們雖然都是水果，但差異巨大。對我和我的家人來說，我們在這里養(yǎng)育了兩個孩子，這樣的生活對我們來說是更好的選擇（視頻里其實沒有討論到“孩子和教育”的議題）。但以當(dāng)前的經(jīng)濟和政治環(huán)境，我不確定現(xiàn)在是不是一個來美國定居的聰明的時機。很多印度人持H-1簽證，已經(jīng)等了十五年以上，卻還看不到綠卡的希望。
不過，無論你最后是否致富，在另一個國度讀書、工作和生活確實會讓你學(xué)到很多人生的東西。哪怕沒有賺到很多錢，那些經(jīng)歷本身就是一種財富。
 
@naynishchaughule8185
I am an average 39 year old engineer living in Nashville, TN earning an average salary. I live in a 4 bedroom 3 full bath 2700 sq ft single family home. I have 5 homes worth $2.3 million in total with my equity of $600k. It is growing at $100k every year in appreciation and principal paid. I wouldn’t have been able to grow my wealth like this in India. US is good if you are an average, it gives you better quality of life and excellent opportunities to build generational wealth. As far as smart people goes (IIT-IIM types or street smart), they can make money anywhere in the world.
 
我今年39歲，是一名普通的工程師，生活在田納西州的納什維爾，收入也算中等。我住在一棟2700平方英尺、四房三衛(wèi)的獨立屋里。我目前擁有五套房產(chǎn)，總價值230萬美元，其中有60萬美元的凈資產(chǎn)，每年房產(chǎn)升值和還本就能帶來10萬美元的增長。這種財富積累速度，在印度我是絕對不可能實現(xiàn)的。對一個普通人來說，美國的生活質(zhì)量更高，也有絕佳的機會去建立“代際財富”。至于那些特別聰明的人（比如IIT-IIM出身或者很有頭腦的人），他們在哪兒都能賺錢。
 
@yellowflash511
Bro I'm so tired of this science bias in Bharat. Please get some Commerce people, preferably high-end like Company Secretaries, Chartered Accountants, etc. if possible I'm ready to jump on a call to spread some knowledge. I'm 29M, a qualified Company Secretary , currently working as a M&A associate banker at Barclays London (120k base). I worked in Morgan Stanley as an analyst banker in Mumbai for 4 years (20LPA) before moving here. Soon I will be moving to NYC for the post of senior associate at a different investment Bank (200k base) after this FY ends.
Edit: added some additional info if you wanna reach out
 
兄弟，我真的受夠了印度社會對理工科的偏見。請多請一些學(xué)商科的人來發(fā)聲，最好是公司秘書、注冊會計師這類的高端職業(yè)。如果需要，我隨時可以上通話來分享經(jīng)驗。我今年29歲，是一名認證公司的秘書，目前在倫敦巴克萊銀行做并購副手，基礎(chǔ)年薪12萬英鎊。之前我在孟買的摩根士丹利做了四年分析師，年薪200萬盧比。今年財年結(jié)束后，我將跳槽去紐約一家投資銀行擔(dān)任高級副手，基礎(chǔ)年薪是20萬美元。
（補充了些背景信息，如果你們想聯(lián)系我的話）
 
@simonjoseph92
Savings is all about your personal perceptions and living standard choices. Nothing else. Like I prefer to be in urban areas of Indian cities and not in deep suburbs of US or European cities like 90% Indians. Also note that Flight tickets are 4X post COVID and house rent has doubled largely affecting the NRIs. EOD salaries have significantly increased in India and an average educated Indian could save (happily) as much as living in developed nations (not so happily)
 
儲蓄完全取決于你個人的認知和生活方式選擇，僅此而已。比如我就更喜歡住在印度城市的市中心，而不是像90%的海外印度人一樣住在美國或歐洲的遠郊。還有一點要注意：新冠之后，機票價格漲了四倍，房租也翻倍了，這對海外印度人的影響非常大。如今印度的工資水平已經(jīng)有了顯著的提升，一個受過良好教育的印度人，在印度儲蓄的效率，可能和在發(fā)達國家生活（卻不快樂）的人差不多。
 
@Jaysv216
I live in canada the reason I find my career growth easier here is because there is something called socialism in Canada and USA which sees the skill of a person and truly appreciates then through promoting them as a reward . India also follows socialism but its not really in action as you have to befriend your boss to really impress him for a promotion whereeas here its not like that
 
我生活在加拿大，我覺得這里的職業(yè)發(fā)展更容易，原因在于加拿大和美國有一種“實用主義社會公平”——它真正重視一個人的能力并通過晉升作為認可和獎勵。印度也說自己是社會主義國家，但實際上執(zhí)行不到位。在印度想升職，你得先和老板搞好關(guān)系，才能讓他覺得你“值得”；而在這邊，根本不是那樣的文化。
 
@User1976valid
Opting job abroad is good choice. But just by salary very difficult to make corpus. Passive income via real estate / equity investments is must parallel to job. Work till age of 40/50 and back to India. People know what they loose emotionally in other countries
 
選擇出國工作是個不錯的選擇，但僅靠工資，很難真正積累資產(chǎn)，必須要同時建立房地產(chǎn)或股市的被動收入來源。你可以工作到四十、五十歲再回印度。人在國外，大家都知道自己在情感上失去了什么。
 
@shobhitdixit991
People who claim to have a better life back home are for only few reasons:
They never had a big boy/girl job. They only did basic low skills/income job.
They cant live without family help, going back to my first point. They realized they dont have financial understanding.
I personally left India 15 years ago, i dont see myself moving back to India ever. Not that i font live my country, i just prefer my life here.
 
那些聲稱“在國內(nèi)生活更好”的人，往往就只有幾種情況：
1）他們從來沒做過真正的“大人工作”，只是做些低技能、低收入的活兒；
2）他們沒有家庭就活不下去，也回到了第一點的本質(zhì)——他們意識到自己根本不懂財務(wù)。
我自己十五年前離開了印度，我從沒想過要搬回去生活。這不是因為我不愛我的國家，而是因為我更喜歡現(xiàn)在的生活。
 
@MakeItBetterForTomorrow
After staying in abrod the number will 80-20. Been there seen it all. More over the other aspect of lifes are not covered lile emotional support for mental health in India or clean and fresh air of US/EU. Definitely one will earn more money in abroud than in abrod, but the question is whether he/she will return back after 10 years. If not then you will not achived ur goal and if yes then ur a brave heart
 
在海外待過之后，我的比例是八比二。我見過太多，經(jīng)歷過太多。而且很多生活中重要的方面都沒有被討論，比如印度在心理健康上的情感支持，或者美歐那種清新干凈的空氣。在國外賺錢確實更多，這是毫無疑問的。但真正的問題是——十年后你是否愿意回國？如果不愿意，那你其實沒有實現(xiàn)最初的目標；但如果愿意，那你就是一個真正有勇氣的人。