> [!caution] Should you accept the limits or challenge / reframe them?

### Health
- [[Exercise]]
- Health records 
- Diet

### Finances
- [[Cars]]
- [[Insurance]]
###### Summary of W2 Income Tax Filing

| Year | Total W2 income | W2 Saurabh | W2 Ruchi                       | Total tax paid |
| ---- | --------------- | ---------- | ------------------------------ | -------------- |
| 2025 |                 |            |                                |                |
| 2024 | $571K           | $270K Dell | $212K Bain + <br>$89K Assurant |                |
| 2023 | $489K           | $206K Dell | $282K Bain                     | $106,193       |
| 2022 | $461K           | $194K Dell | $266K Bain                     | $101,816       |
| 2021 | $382K           | $154K Dell | $228K Bain                     | $77,005        |
| 2020 | $314K           | $137K Dell | $177K Bain                     | $58,184        |

##### Financial planning
- Financial Planning Association (www.plannersearch.org) will give you references to some local certified financial planners. The National Association of Personal Financial Advisors, (www.napfa.org) makes referrals to fee-only (as opposed to commission-based) planners. Select at least three potential candidates and set up initial consultations (which shouldn't cost you anything). Then conduct tough interviews.
- To stay safe, pick someone with good education, certificate of financial planning (CFP) and with 30 years of experience. 
- Get a sample financial plan to understand how the planner can help
- Check for planner’s returns trend - when market was hot and when it was cold to see if returns are changing drastically 

##### Assets
1. House1: [[9501 Rolling Oaks Trl]]
2. House2 - TBD
3. Treasury I-savings bond: $10,000 under Saurabh Pitkar - 2022
4. Treasury I-savings bond: $10,000 under Ruchi Singh - 2022
5. Treasury EE-savings bond: $10,000 under Saurabh Pitkar - 2022
6. Treasury EE-savings bond: $10,000 under Ruchi Singh - 2022
7. CD: $100,000 in Wells Fargo under Saurabh Pitkar - 2024 - Expiring on 2025-09-30
8. CD: $200,000 in Citi under Ruchi Singh - 2023 - Expiring on 2025-02-02
9. CD: $200,000 in Citi under Ruchi Singh - 2024 - Expiring on 2025-03-29
10. Robinhood
11. Stocks to invest in during recession
	1. Vanguard FTSE All-World ex-US ETF ([VEU](https://markets.businessinsider.com/etfs/vanguard-ftse-all-world-ex-us-index-fund-etf-shares-us9220427754?miRedirects=2)), and the iShares MSCI Emerging Markets Value Factor ETF ([EVLU](https://markets.businessinsider.com/etfs/ishares-msci-emerging-markets-value-factor-etf-us46438g2084?miRedirects=2))
	2. 
12. Dell - Fidelity 
13. 401k for Saurabh Pitkar and Ruchi Singh - separate accounts
14. [[India finances]]
### House
[[House when traveling]]
[[House when traveling|house maintenance]]
[[9501 Rolling Oaks Trl]]
### Immigration
##### India
- [[Passport renewal]]
##### USA
- [[EB1]] and [[EB1-A]]
- [[H1B]]
- [[USA Global Entry]]
- [[Form i485 for PR]]
##### Australia 
Subclass 189 - independent visa - timeline example: https://www.reddit.com/r/AusVisa/s/ZvM9Ak5QDO

##### Italy
[[Italy - Schengen]] - tourist

##### Thailand 
[[Thailand - Visa On Arrival]] - tourist

##### Vietnam 
Check here: [E-visa search - National portal on Immigration (xuatnhapcanh.gov.vn)](https://evisa.xuatnhapcanh.gov.vn/tra-cuu-thi-thuc)

### Travel book
##### Logs
- [[2024 Winter Travel]]
- [[2023 Winter Travel]]
- [[2023 Summer Travel]]
##### North America
- [[USA]]
- Canada 
- [[Mexico 2024]] 
##### Europe 
- [[Italy 2023]]
- Israel 2019
- France 
- Netherlands 
- [[Switzerland]] 
##### Asia Pacific
- Australia 
- [[Thailand 2023]]
- [[Vietnam 2023]]
- Nepal 2019
- India - luxury resorts
	- Ayatana Coorg, Karnataka
	- Flora mist falls, Kerala
	- Alampara resorts, Tamilnadu
- 
##### Latin America
- Argentina 
- Brazil 
- Chile
- Colombia 
- Peru 

### Value system
[[Character]] has all detailed page links
Build efficient techniques and habits using
- [[Atomic habits]]
- [[Clear Thinking]]
- [[GTD Concepts]]
- [[Obsidian FAQ]]

### My interests
- Learn piano - want to learn music
- Tennis - watching, playing
- Build a mini-robot
- Cars - I enjoy driving, having diecast models of sports cars to admire design
- Drawing
- Music
- [[Productivity methods]]
### Life strategy planning
Source: [Use strategic thinking to create the life you want](https://hbr.org/2023/12/use-strategic-thinking-to-create-the-life-you-want) Rainer Strack
Six life areas  
- relationships; 
- body, mind, and spirituality; 
- community and society; 
- job, learning, and finances; 
- interests and entertainment; 
- personal care

### Knowledge
- [[Identity Theft prevention]]