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Want a second set of eyes on your plan? The fastest way to real answers is a quick call. Book a call →Prefer email? Reach me at:
butfirstfire@gmail.comFrequently Asked Questions
Who am I actually talking to?
Me, Ninad. One person, no team and no company behind the curtain. I'm an ex-Meta engineer who went from $40,000 in debt to financially independent at 33, and I now live as an NRI nomad in Da Nang, Vietnam. Every calculator, article, and reply here comes from me.
Can you give me personalized financial advice?
I'm not a licensed financial advisor, so I won't tell you which specific stocks or funds to buy. What I bring is something you won't find on a spreadsheet or from someone who only read about this. I've obsessively researched the real quality of life and cost of living in every city I've lived in, from New York, Seattle, and Austin to Orlando and now Da Nang. I've lived out of a single suitcase for 3 years. I've stayed in 5-star resorts, in skyscrapers, and on floors, so I know what money actually buys at every level. I've run the backtests on real retirement scenarios, and I've been through a serious medical crisis and watched exactly what it does to a plan. That depth of lived experience is what you get on a call, and it is genuinely hard to find anywhere else. If you want it, book a call.
Can you actually help with my situation as an NRI?
Most likely, yes, because that's a lot of who I work with. People on visas in the US, NRIs planning their money around India, and anyone trying to make the geo-arbitrage math work. I lived across New York, Seattle, Austin, and Orlando before leaving, so the US-to-abroad path is one I have actually walked, not just read about.
How accurate are the retirement projections?
No projection can ever be 100% accurate, and anyone who promises you certainty is not being honest. Mine are careful estimates built on assumptions like a chosen return, inflation, and withdrawal rate, and real markets, taxes, and life will always move differently. Use them to understand the shape of your plan, then stress-test it against a bad early market, which is the risk most people never account for.