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?
 
钱不是一切。那干净的空气、有秩序的社会、卫生条件、福利设施、干净的饮用水、免费的学校呢？
 
@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..
 
我在国外工作了整整16年……职业初期在海外挣钱，等到三十五到四十岁再回印度，这种安排非常有道理。那时你在职业上大概率已经是高管级别，财务上也很稳健。虽然对任何人来说，这都是个不容易的决定，但以现在的局势来看，这是最理想的方案，对家庭和孩子也一样适合。我自己现在也正准备这么做。
 
@abhishekkumarpathak8450
I can observe that all 4 have a big bellies, I think that is the first sign of financial independence
 
我发现那四位肚子都不小，我觉得这大概是财务自由的第一个信号。
 
@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.
 
这整个讨论没有太多意义。钱不是全部，三十岁、三十五岁之后，家人和陪伴才最重要。
出国赚钱享受生活，然后回国享受文化、朋友和亲情。我就是这么做的。
 
@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，过度纠结钱的问题，从长远来看都没什么帮助。虽然经济稳定很重要，但如果忽视了健康和体能，将来可能面临无法用钱解决的严重后果。
我注意到每次谈论“在哪个国家生活更好”时，大家都只关注经济层面，在这期播客里，没有一个嘉宾提到健康或身体素质的重要性。
我们该换个思维方式了。真正重要的是一种平衡的生活方式——既重视财富，也重视身心健康。是时候让健康和健身享有应有的位置了，它们不应再被忽视。
 
@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，收入却是欧元。我觉得这真的是两全其美，一边赚欧元，一边花卢比。
 
@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，现在定居在澳大利亚。我来这里并不是为了钱，而是为了空气、水和生活方式。哪怕我没有实现财务自由，我也会选择离开印度。更别提腐败、人口这些问题了。
 
@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岁时在孟买做市场营销，一年赚5万卢比。后来出国读了硕士，现在27岁，我的月薪就等于我当年在印度的一年的收入。相信我，如果你聪明并且会理财，差距真的巨大。我一直照顾着单亲妈妈，出国给了我足够的财务自由，让我能全力照顾她。到现在为止，她还没有提出过任何我办不到的事。如果在印度，我可能需要十到十五年才能达到这个状态。
 
@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!!
 
这个讨论不该只是“海外 vs 印度”，而应该具体到地区，比如“加拿大/澳洲/英国 vs 印度”或者“美国 vs 印度”等……没有哪个国家能在薪资上比得过美国。优秀的技术人才要么在印度，要么在美国。加拿大、英国这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.
 
说得对。我是英国人，我可以作证——这里就是一团糟，尤其是如果你还是留学生的话就更难。我建议你如果在英国有熟人能内推，那就过来；否则，直接去美国或者就留在印度吧。
 
@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.
 
我们全家从古尔冈永久搬到了澳大利亚。这里的全年空气质量指数维持在4到40，女孩很安全，牛奶是纯的而不是洗发水加尿素，蔬菜水果接近有机，喝的是自来水，气温全年都在20到30度之间。这是我人生做过的最正确的决定，而且这里工作机会多，印度社区也很完善。
 
@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岁，我和妻子对未来非常焦虑，这里的天然气和食物的价格每天都在涨。我们的积蓄被高涨的生活成本吞噬得差不多了，根本没办法补回来。虽然我们能维持生计，但完全看不到前进的希望。在这个危机之下退休，我只能为这些人深感遗憾。辛苦工作三十年，最后却让这个扭曲的系统把一切都拿走了。
 
@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，作为一个同样退休的人，我建议你研究一下指数型被动投资，多学习点理财知识。我自己起初找稳定的被动收入时也跌跌撞撞，后来请了位专家顾问，按照她的建议，我投了三万美元进价值股和数字资产，现在已经涨到二十万了，我基本上也准备好迎接未来的一切了。
 
@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.
 
在我看来，真正的奢侈是能尽情享受生活，每天成长为更好的人，成为他人生命中的光，并且在人生的任何阶段都拥有选择权。对一个普通人来说，这在印度已经越来越难实现。
唯一的出路就是年轻时出国，拿一份强有力的护照，三十几岁前完成财富积累，在一个交税感觉像是为自己未来投资而不是负担的国家生活。在昂贵的国家过简单的生活，也远胜于在印度苦苦迎合那些表面的社会期待。我甚至不想去谈印度那些几乎完全崩坏的制度。更别提那糟糕的空气质量——到了退休年龄，你的人生基本也就耗光了，所有的积蓄最终都会花在看病上。
现在印度有九亿人不满三十岁，他们的未来真的会舒适吗？想象一下，当他们步入职场会面临怎样的竞争？再想想未来人工智能带来的冲击，职场将会有多紧张？
 
@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.
 
这个话题的讨论组织得很好。就我个人而言（我1973年去了美国，读了研究生后留下来，已经在这生活了52年，四年前从教授岗位退休），我觉得“印度更好还是海外更好”这个问题太复杂，没法给出一个统一的答案。每个人的情况不同，结果自然也不同。拿印度和海外作比较，就像把苹果和橘子放在一起比——它们虽然都是水果，但差异巨大。对我和我的家人来说，我们在这里养育了两个孩子，这样的生活对我们来说是更好的选择（视频里其实没有讨论到“孩子和教育”的议题）。但以当前的经济和政治环境，我不确定现在是不是一个来美国定居的聪明的时机。很多印度人持H-1签证，已经等了十五年以上，却还看不到绿卡的希望。
不过，无论你最后是否致富，在另一个国度读书、工作和生活确实会让你学到很多人生的东西。哪怕没有赚到很多钱，那些经历本身就是一种财富。
 
@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岁，是一名普通的工程师，生活在田纳西州的纳什维尔，收入也算中等。我住在一栋2700平方英尺、四房三卫的独立屋里。我目前拥有五套房产，总价值230万美元，其中有60万美元的净资产，每年房产升值和还本就能带来10万美元的增长。这种财富积累速度，在印度我是绝对不可能实现的。对一个普通人来说，美国的生活质量更高，也有绝佳的机会去建立“代际财富”。至于那些特别聪明的人（比如IIT-IIM出身或者很有头脑的人），他们在哪儿都能赚钱。
 
@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，我真的受够了印度社会对理工科的偏见。请多请一些学商科的人来发声，最好是公司秘书、注册会计师这类的高端职业。如果需要，我随时可以上通话来分享经验。我今年29岁，是一名认证公司的秘书，目前在伦敦巴克莱银行做并购副手，基础年薪12万英镑。之前我在孟买的摩根士丹利做了四年分析师，年薪200万卢比。今年财年结束后，我将跳槽去纽约一家投资银行担任高级副手，基础年薪是20万美元。
（补充了些背景信息，如果你们想联系我的话）
 
@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)
 
储蓄完全取决于你个人的认知和生活方式选择，仅此而已。比如我就更喜欢住在印度城市的市中心，而不是像90%的海外印度人一样住在美国或欧洲的远郊。还有一点要注意：新冠之后，机票价格涨了四倍，房租也翻倍了，这对海外印度人的影响非常大。如今印度的工资水平已经有了显著的提升，一个受过良好教育的印度人，在印度储蓄的效率，可能和在发达国家生活（却不快乐）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，我觉得这里的职业发展更容易，原因在于加拿大和美国有一种“实用主义社会公平”——它真正重视一个人的能力并通过晋升作为认可和奖励。印度也说自己是社会主义国家，但实际上执行不到位。在印度想升职，你得先和老板搞好关系，才能让他觉得你“值得”；而在这边，根本不是那样的文化。
 
@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
 
选择出国工作是个不错的选择，但仅靠工资，很难真正积累资产，必须要同时建立房地产或股市的被动收入来源。你可以工作到四十、五十岁再回印度。人在国外，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.
 
那些声称“在国内生活更好”的人，往往就只有几种情况：
1）他们从来没做过真正的“大人工作”，只是做些低技能、低收入的活儿；
2）他们没有家庭就活不下去，也回到了第一点的本质——他们意识到自己根本不懂财务。
我自己十五年前离开了印度，我从没想过要搬回去生活。这不是因为我不爱我的国家，而是因为我更喜欢现在的生活。
 
@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
 
在海外待过之后，我的比例是八比二。我见过太多，经历过太多。而且很多生活中重要的方面都没有被讨论，比如印度在心理健康上的情感支持，或者美欧那种清新干净的空气。在国外赚钱确实更多，这是毫无疑问的。但真正的问题是——十年后你是否愿意回国？如果不愿意，那你其实没有实现最初的目标；但如果愿意，那你就是一个真正有勇气的人。