2039 — the three futures
Utah remote 41.9 CrNY interim 43 CrHyderabad now (~2027) 43.7 Cr
What the engine sees
You are running a monthly deficit
Right now you spend about $5,247/mo more than comes in (Arjun's income only). That gap is sustainable for 3 mo on deployable cash — but if Arjun's income also stopped, runway drops to 2 mo. Landing your income is the switch that flips this from drawdown to wealth-building.
Best path right now: Utah remote, then Hyd 2029
Invests about $49,665/yr early on and reaches roughly $1.2M by the 2029 Hyderabad handoff — still short of the full 2039 goal in the base case.
2039 endgame needs more fuel
Target by 2039: ₹70 Cr net worth — including ₹20 Cr you'll carve out as trusts for 2 kids. Best path lands ₹41.92 Cr in the base case (slower career, 10% returns) and ₹65.37 Cr in the best case (faster promotions to L7/Director, 14% returns). Even the best case is short; you'd need about $85,140/yr EXTRA on top of the base track.
Ask about this chart
Scoped to Which path wins? — answered from your real numbers.
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