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> Even with extreme level of penny pinching, 40% rate of saving is almost unachievable.

Hah that’s a wealthy American point of view.

When I first moved to the US I was saving 85% of my after tax income.

Most (non-scam) Indian H1B holders I know are saving 6 figures a year.

I am one of those and almost everyone ( with exception of one or two every class) in my masters programs we're on F1 Visa. Most of my friends work six figure jobs in cities nowhere close to as expensive as Bay area. I know for a fact, nobody has accumulated million dollars in cash. Close to million in worth? Yes if you count real estate with mortgage, but not that kid of cash. Math doesn't add up.

> I know for a fact, nobody has accumulated million dollars in cash.

I agree, a million in a few years would be rare.

In 10 years though? It’s certainly reasonable.

Maybe for a shut-in. I never had the patience to save like that. One of the advantages of SF Bay is the culture.

Never said it's impossible. Is it practical though? If you are migrating to a country 8000 miles away, would you live like you lived in the slums of Dharavi? Some will. Most though, would like to live a normal life commensurate with their income.

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