u/de_rotter

Has anyone bought Retatrutide dial-dose pens from Nextpept?

​I’ve been looking for Reta loaded in a quick pen and recently came across a vendor called Nextpept through an Instagram, which directed me to a WhatsApp business chat (+44 7719 718854).

​I wanted to check their authenticity and see if anyone has experience ordering with them.

They state everything is GMP-made in Switzerland and dispatched from a UK warehouse.

Payment is via bank transfer or crypto, and they quoted 2-5 days for delivery to Thailand.

When asked for verification, they provided several Janoshik links:

https://verify.janoshik.com/tests/195673-Reta\_10mg\_27QCT4WHQE8S

https://verify.janoshik.com/tests/166973-Reta\_20mg\_79SBJRLHX88Z

https://verify.janoshik.com/tests/195674-Reta\_40mg\_LW37DLX55EKQ

https://verify.janoshik.com/tests/166976-Tirz20mg\_82XAE54D94R7

https://verify.janoshik.com/tests/195675-Tirz\_40mg\_6L54CH5XR68D

​Has anyone successfully purchased these specific quick pens from Nextpept?

I’m turning to the wisdom of this community to help me sense-check my retirement goals. I’m not a financial wizard, so any straightforward advice or reality checks are highly appreciated!

​36M, NRI currently living in South East Asia (a lower-cost country, not SG/HK).

​Married, with a 5-year-old child. (Spouse is currently not working).

My ​goal is FIRE in 9 years by 2035 at age 45.

Income: ₹2 - 2.5 Cr fixed annually. (I make another ₹1 Cr in variable bonuses/commissions, but I want to ignore that for now to be conservative).

Current Portfolio: ₹1.7 Cr invested in Mutual Funds.

​Emergency Fund: ₹50 Lakhs cash (in USD & SGD) for a rainy day.

​Real Estate: Own house back in India.

Investable Amount: ₹4 Lakhs per month (after all taxes, daily expenses, and schooling).

I want to maintain my current upper-middle-class lifestyle without constantly worrying about a depleting bank balance. My money goes a long way where I currently live.

Current Monthly Expenses Breakdown: ​Housing & Utilities: ~₹2 lakhs ​Groceries, Dining & Entertainment: ~₹2 lakhs ​Child's Education & School Transport: ~₹1.8 lakhs ​Personal Allowances & Subscriptions: ~₹2 lakhs ​Household Help (Full-Time): ~₹60k ​Local Transport: ~₹50k Total: ~₹9 lakhs (I've been generous in calculating my expenses)

I’m turning to the wisdom of this community to help me sense-check my retirement goals. I’m not a financial wizard, so any straightforward advice or reality checks are highly appreciated!

​36M, NRI currently living in South East Asia (a lower-cost country, not SG/HK).

​Married, with a 5-year-old child. (Spouse is currently not working).

My ​goal is FIRE in 9 years by 2035 at age 45.

Income: ₹2 - 2.5 Cr fixed annually. (I make another ₹1 Cr in variable bonuses/commissions, but I want to ignore that for now to be conservative).

Current Portfolio: ₹1.7 Cr invested in Mutual Funds.

​Emergency Fund: ₹50 Lakhs cash (in USD & SGD) for a rainy day.

​Real Estate: Own house back in India.

Investable Amount: ₹4 Lakhs per month (after all taxes, daily expenses, and schooling).

I want to maintain my current upper-middle-class lifestyle without constantly worrying about a depleting bank balance. My money goes a long way where I currently live.

Current Monthly Expenses Breakdown: ​Housing & Utilities: ~₹2 lakhs ​Groceries, Dining & Entertainment: ~₹2 lakhs ​Child's Education & School Transport: ~₹1.8 lakhs ​Personal Allowances & Subscriptions: ~₹2 lakhs ​Household Help (Full-Time): ~₹60k ​Local Transport: ~₹50k Total: ~₹9 lakhs (I've been generous in calculating my expenses)

I'm relocating to Thailand soon on a Non-Immigrant work visa. My compensation package puts me squarely in the top 35% tax bracket, so I'm trying to get my tax strategy dialed in before I arrive.

For context, I'll be paid locally by a Thai entity. I'm married (my wife won't be working in Thailand), and we have one kid in school.

I'm trying to figure out the best ways to shield my income without throwing money away on sunk costs. My plan so far is to claim the standard spouse and child allowances, and then max out the RMF (Retirement Mutual Fund) and Thai ESG fund limits. Basically, I just want to move cash into tax-advantaged buckets that actually yield something over time.

A couple of questions for those of you navigating this bracket:

1. Are there any other wealth-building deductions or legit tax strategies I'm completely overlooking?

2. How do you handle things like the "Easy E-Receipt" scheme? Is it actually worth the hassle to hold off on big purchases and time them for those specific windows?

Appreciate any insights or advice you can share!