Is FatFIRE realistically possible while working in India?
I’m 33M and trying to understand whether true FatFIRE is achievable staying in India as a salaried employee, especially in tech.
Current situation: I work as a software engineer in a semiconductor company with total compensation around 3 Cr/year, out of which roughly 2 Cr is RSUs. I’m in a single income household, married with one 2-year-old kid. My current net worth is around 6 Cr, all liquid. I don’t own any real estate and have no loans. Net worth went from around 1 Cr to 6 Cr within 1 year mainly because company RSUs appreciated significantly and I booked gains during that period. Unfortunately STCG taxes also took away a sizable chunk of the gains.
The thing is, I’m not sure whether this is:
A lucky temporary phase due to stock appreciation
Or actually a realistic path toward FatFIRE
Most discussions I see are either:
People moving to US and building wealth there
Dual high-income couples
Business owners
For someone staying in India on salary alone:
What number do you consider true FatFIRE in India today?
10 Cr? 20 Cr? 50 Cr+?
Does having a kid completely change the equation because of education/international exposure expectations?
How much annual spending do people here target post-retirement?
I also feel compensation in India hits a ceiling unless RSUs massively outperform. Base salary growth alone doesn’t seem enough to compound into very high net worth quickly.
Would love to hear from people who achieved or are pursuing FatFIRE while remaining employed in India.