Home » From Bengaluru Paycheck to American Prosperity: Techie Now Saves $100K Annually

From Bengaluru Paycheck to American Prosperity: Techie Now Saves $100K Annually

written by Gaurav Sharma Source

International

oi-Gaurav Sharma

Time

For thousands of ambitious tech professionals in Bengaluru, the dream salary often hides a frustrating truth: earning well doesn't always mean getting ahead. That reality hit one young engineer hard. On paper, ₹18 lakh a year looked like success. In reality, rent swallowed a huge chunk, family responsibilities pulled at his income, flights home drained more, and by year's end, barely ₹3-4 lakh remained as savings. The paycheck sparkled. The bank balance did not.

Then came the gamble.

An engineer in Bengaluru, after struggling with financial limitations despite a high salary, pursued a two-year MS in the United States at a cost of $75,000, funded by an education loan, and later secured a $145,000 base salary job, enabling him to eliminate his debt within 20 months and save $100,000 annually. The engineer's story sparked discussions about the financial risks and rewards of pursuing higher education abroad.

As shared by Abhishek Singh on X, the engineer made a bold decision - to leave behind stability and fly to the United States for a two-year MS. The price tag? A staggering $75,000. About $55,000 in tuition. Nearly $20,000 in living costs. Most of it funded through an education loan that loomed like a ticking clock over his future.

Techie Saves 100K Annually
Techie Saves $100K Annually

For 18 months, he lived like survival was the only option. Shared rooms. Tight budgets. No flashy apartments. No spontaneous trips. No lifestyle upgrades. While others chased comfort, he chased clarity - a degree, a job, and a way out of financial stagnation.

Then came the breakthrough.

After graduation, he landed his first full-time role in a mid-cost American city. The offer letter read like a plot twist: $145,000 base salary. $15,000 bonus. Post-tax monthly income of nearly $8,200. The jump was seismic. But instead of celebrating with a bigger house or a new car, he doubled down on discipline.

Nearly $4,000 every single month went straight toward crushing the loan. No excuses. No delays. In just about 20 months, the debt that once defined his risk was wiped out.

And that's when the real transformation began.

Today, he saves close to $100,000 a year - a figure that once seemed unimaginable back in Bengaluru. Investments flow into retirement accounts and index funds. Monthly expenses remain controlled at around $4,500. The man who once struggled to save a few lakhs now builds wealth at a pace that changes generations.

But the story ignited fierce debate online. Some called it proof that an MS abroad can be a calculated financial pivot. Others warned it's the "happiest path" - a version where everything goes right: the visa, the job market, the discipline, the timing. For many, the journey can spiral into debt, stress, and uncertainty.

The truth? This isn't just a story about studying abroad. It's about risk, restraint, and relentless focus. The degree opened a door - but discipline kept it from slamming shut.

What’s your Reaction?
0
0
0
0
0
0
0
written by Gaurav Sharma Source

Leave a Comment

Save my name, email, and website in this browser for the next time I comment.


To prove you're a person (not a spam script), type the security word shown in the picture.
You can enter the Tamil word or English word but not both
Anti-Spam Image