u/leobabe78

48M/43F, kids: 2 high schoolers. We are planning for a 2032 return after our older one graduates and planning to send the younger one to India to pursue MBBS in 2030. Feedback on our plans based on below portfolio?

US Portfolio:

401K- $950K
Cash- $200K
Investments (RH/IBKR/Public): $460K
RSU: $400K
Home Equity: $475K (planning to pay off by 2028 which will take the equity to ~$700K)

India Portfolio:

3 Paid off 3 bedroom Apartments in Hyderabad (Miyapur; Secunderabad; Narsing)
15Cr cash planning to invest partial in SWP
6acrs farm land
3 land parcels outskirts of Hyd; future city
Gold/Silver: 3Cr

50yrs M & 46 F with high school going kids.

401K: $2.3M
India. Assets:

1. Real estate : $2M (3 Paid off Apartments and Lands in Future City and Tukkuguda)
2. Cash: 10cr (4 cr in MFU; 6Cr in Iiquid)
3. Gold & Silver : 2 Cr
4. Annualized insurance (expected 3L monthly payments from 2035)

We think our monthly expenses would be 3-5 lakhs including international vacations.

Do you think I can FIRE?