Borderless with FinNiki

India or global: 75% in gold and property, rebalanced
Moving back: how much to save, and the RNOR window
Getting money out: the USD 1 million a year limit
Retiring in India: a ₹8 crore plan, reviewed
Dubai property and the US estate tax on shares

What happens after you apply

I read every application myself. If your question will help other NRIs too, we have a short intro call first, then record. There’s no homework.

Apply to be a guest

When you apply

The formabout a minute

I replyemail or WhatsApp

Before the recording

Intro callshort, online

Homeworknone

On the day

We record online45–60 min

Episode goes liveYouTube

Being a guestFree

India → SingaporeRamaswami · 57 min · 22 Oct 2026

75% gold and property. India or global?

Ramaswami moved to Singapore in 2018 and kept buying gold and real estate, until he saw they weren't keeping up with inflation. India against global investing, SIP or lump sum, FCNR deposits and NPS.

Watch on YouTube

Estate planningNominee or heir · 47 min · 15 Oct 2026

Why a nominee is not your legal heir

Could your family find and reach your assets in India tomorrow? Nominee against legal heir, one will or two, and how US estate tax reaches NRIs who aren't US citizens.

Watch on YouTube

UK → IndiaA UK-based NRI · 43 min · 8 Oct 2026

A ₹8 crore plan to retire in India, reviewed

A corpus of 32 times his yearly spending, two buckets or three, the RNOR window, how UK pensions are taxed in India, and why a company health policy isn't enough.

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Faridabad → SingaporeRaman · 58 min · 1 Oct 2026

Moving back: when to start planning

Ten years in Singapore. How much to save before the move, 25 or 40 times your spending, three buckets so a crash never forces a sale, the RNOR window and the tier 2 cities worth a look.

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Pune → DublinNilesh · 60 min · 24 Sep 2026

Getting money out: the $1 million rule

Nilesh kept his Indian and Irish money apart for years, until his son started college in the US. The USD 1 million a year limit, NRO to NRE transfers, and the forms your bank asks for.

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India → DubaiMuhammad Ali · 50 min · 17 Sep 2026

Dubai property, taxes and the $60,000 US trap

Is a Dubai move worth it, has property crashed or corrected, Section 54 on a sale in India, DTAA, and the US estate tax on more than $60,000 of US shares.

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India → SingaporeA former Googler · 56 min · 10 Sep 2026

Should you move to Singapore in 2026?

Fifteen years at Google and financially independent at 36. The Employment Pass, real odds of PR, rent, school fees, the 60% stamp duty for foreign buyers, and Singapore against Dubai.

Watch on YouTube

Questions people ask first

Does it cost anything?: No. Being a guest is free, and so is every episode on YouTube.
What do I need to prepare?: Nothing. Tell me on the form what’s on your mind, and we go through the rest on the intro call.
Who gets picked?: I read every application myself. If your problem is probably a thousand other people’s problem too, it makes a good episode.
Where can I watch full episodes?: On YouTube. On Instagram, comment “Borderless” on any of my reels and I’ll send you the full episodes in a DM.

Your money question could be the next episode.

A few questions about you and where you live. It takes about a minute.

Apply to be a guest

Be a guest on Borderless. Bring your money question.

What happens after you apply

Past guests

75% gold and property. India or global?

Why a nominee is not your legal heir

A ₹8 crore plan to retire in India, reviewed

Moving back: when to start planning

Getting money out: the $1 million rule

Dubai property, taxes and the $60,000 US trap

Should you move to Singapore in 2026?

Questions people ask first

Your money question could be the next episode.

Tell me your story