6) Major Financial Decisions

Making large financial decisions in a foreign country can be intimidating because the rules of money change. In the U.S., these choices aren't just about spending—they are about opportunity costs and legal safety. Think of these decisions as moves on a chessboard: each one should protect your king (your visa/stability) while advancing your pieces (your wealth).

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Sending money back home (fees, boundaries, sustainability)

As an international professional, you may feel the immigrant tax—the pressure to send money home. Use the Pay Yourself First rule. Never send money that you need for your U.S. emergency fund or visa fees. Avoid traditional banks for small transfers; they charge $35–$50 plus a hidden 3-5% exchange rate markup. Use fintech apps like Wise, Remitly, or OFX. These apps are transparent and can save you hundreds of dollars a year. Set a Family Support Cap (e.g., 10% of your net income).

6) Major Financial Decisions

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