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NRI couple chasing American dream accumulates massive ₹8
NRI couple chasing American dream accumulates massive ₹8.4 crore debt: ‘We were living life on autopilot’
NRI couple chasing American dream accumulates massive ₹8.4 crore debt: ‘We were living life on autopilot’
The couple shared the first debt they incurred when they purchased a house to keep up with the NRI life in the US.
Published on: Jun 23, 2026 7:30 AM IST By Trisha Sengupta Prefer HTon Google Share via Copy link An NRI couple who moved to the US at age 22 has opened up about how chasing the American Dream left them trapped in a massive financial hole. The creators said that upgrading their lifestyle through home renovations and investment properties felt normal at the time but that the costs slowly added up over the years. They claimed that living on autopilot caused them to accumulate an overwhelming debt of $850,000 across multiple mortgages, a kitchen loan, and credit cards. Now, they have decided to take control of their finances and aim to become debt-free within the next 1,200 days. The NRI couple’s video on incurring a debt in the US has resonated with many. (Instagram/@moneyharmony123) “At 22, I moved to the U.S. chasing the American Dream. A good job. A house. A nicer car. A renovated kitchen. Vacations. An investment property,” the couple wrote on their Instagram page, “moneyharmony123”. Also Read: NRI with terminally ill wife asks if ₹46 crore is enough to quit work and settle in India They continued, “None of these decisions felt irresponsible at the time. But looking back, every ‘normal’ decision added another payment, another loan, another monthly obligation.” One day, however, they realised that they had accumulated a debt of $850,000 (over ₹8.4 crore). Giving a breakdown of the debt they have incurred, the couple shared, “Primary home mortgage: $400,000. Investment property mortgage: $270,000. Kitchen loan: $150,000. Credit card debt: $30,000.” The NRIs expressed, “The crazy part? We never sat down and decided to take on $850,000 of debt. It happened slowly while we were living life on autopilot.” They then revealed their decision to “change the script” and take charge of their financial life. “Our goal is to become completely debt-free in the next 1,200 days. In a video, a man shared that he relocated to the USA at 22 and soon after married. Over the year, the couple purchased a house, then a car, and spent a hefty sum on renovating their kitchen. The couple expressed that when they made those decisions, it seemed normal and something they needed for their NRI lives. However, they later realised that it led them to incur a massive debt. (Hindustantimes.com has reached out to “moneyharmony123”. This report will be updated when they respond.)What did social media say?
The post prompted varied responses from social media, with many appreciating the NRI couple for their resolve to pay off their loans in the next three years. Also Read: Indian woman in US says Indians abroad rarely return home after saving ₹10 crore: ‘Nobody actually wants to go’ An individual wrote, “Self motivation to clear the debts in 1200 days... It's appreciated.” Another expressed, “Omg someone is talking sense.” A third commented, “This is a very sensible conclusion.” ABOUT THE AUTHOR Trisha Sengupta Trisha Sengupta works as Chief Content Producer at Hindustan Times with over six years of experience in the digital newsroom. Known for her ability to decode the internet’s most talked-about moments, she specialises in high-engagement storytelling that bridges the gap between viral trends and traditional journalism. Throughout her tenure, Trisha has focused on the intersection of technology, finance, and human emotion. She frequently covers personal finance and real estate struggles in hubs like Gurgaon, Bengaluru, and Hyderabad, while also documenting the unique challenges of the NRI experience. Her work often highlights the movements and philosophies of global newsmakers and personalities like Elon Musk, Mukesh Ambani, Nikhil Kamath, Dubai crown prince, and MrBeast. From reporting on Amazon or Meta layoffs and startup culture to the emergence of AI-driven platforms like Grok and xAI, she provides a grounded and empathetic perspective on the stories shaping our world. When not decoding the internet, Trisha is likely offline: lost in a book, exploring a historical ruin, or navigating the world as a solo traveler. She balances her fast-paced career with family time and a healthy dose of curiosity, currently trading her "human" sources for silicon ones as she masters AI to future-proof her storytelling.Read More Nri Viral Video Usa Get Latest Updates on Trending News Viral News, Video, Photos and Weather Updates of India and around the world Home/Trending/NRI Couple Chasing American Dream Accumulates Massive ₹8.4 Crore Debt: ‘We Were Living Life On Autopilot’ See LessAn NRI couple who moved to the US at age 22 has opened up about how chasing the American Dream left them trapped in a massive financial hole. The creators said that upgrading their lifestyle through home renovations and investment properties felt normal at the time but that the costs slowly added up over the years. They claimed that living on autopilot caused them to accumulate an overwhelming debt of $850,000 across multiple mortgages, a kitchen loan, and credit cards. Now, they have decided to take control of their finances and aim to become debt-free within the next 1,200 days.
“At 22, I moved to the U.S. chasing the American Dream. A good job. A house. A nicer car. A renovated kitchen. Vacations. An investment property,” the couple wrote on their Instagram page, “moneyharmony123”.
Also Read: NRI with terminally ill wife asks if ₹46 crore is enough to quit work and settle in India
They continued, “None of these decisions felt irresponsible at the time. But looking back, every ‘normal’ decision added another payment, another loan, another monthly obligation.”
One day, however, they realised that they had accumulated a debt of $850,000 (over ₹8.4 crore). Giving a breakdown of the debt they have incurred, the couple shared, “Primary home mortgage: $400,000. Investment property mortgage: $270,000. Kitchen loan: $150,000. Credit card debt: $30,000.”
The NRIs expressed, “The crazy part? We never sat down and decided to take on $850,000 of debt. It happened slowly while we were living life on autopilot.”
They then revealed their decision to “change the script” and take charge of their financial life. “Our goal is to become completely debt-free in the next 1,200 days.
In a video, a man shared that he relocated to the USA at 22 and soon after married. Over the year, the couple purchased a house, then a car, and spent a hefty sum on renovating their kitchen.
The couple expressed that when they made those decisions, it seemed normal and something they needed for their NRI lives. However, they later realised that it led them to incur a massive debt.
(Hindustantimes.com has reached out to “moneyharmony123”. This report will be updated when they respond.)
Also Read: Indian woman in US says Indians abroad rarely return home after saving ₹10 crore: ‘Nobody actually wants to go’
An individual wrote, “Self motivation to clear the debts in 1200 days... It's appreciated.” Another expressed, “Omg someone is talking sense.” A third commented, “This is a very sensible conclusion.”
Source: HindustanTimes
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