Welcome to Shubham Guides!
My name is Shubham Arora, the founder and writer behind ShubhamGuides.
I have spent over 10+ years investing my own money and more than 10+ years working in analytics and decision-making roles, where my day-to-day work revolves around numbers, tradeoffs, and long-term thinking. I have lived in the United States for 7+ years, navigating life as an Indian professional earning in dollars while planning for a future that may eventually lead back to India.
ShubhamGuides was born out of lived experience, not theory.
I have personally managed the India & USA dual journey. Balancing two financial systems, two cultures, and two very different definitions of stability. What looks like a good decision on paper often feels very different when visas, healthcare, family distance, and career risk enter the picture. Most generic personal finance advice does not account for this reality.
This blog focuses on personal finance, financial independence, and the real-life decisions Indian professionals face while living abroad or planning a return to India. I write about career risk, cost of living shocks, investing across borders, visa uncertainty, and the psychological weight money carries when you do not have a nearby safety net.
Every post here is grounded in firsthand experience, numbers, and clear reasoning. I share what has worked for me, what has not, and how my thinking has evolved over time. The goal is not to give perfect answers, but to help you think more clearly and make decisions you can live with.
If you care about money, financial freedom, and designing a life with more time, choice, and calm, you will feel at home here.
Get in Touch
Have a question or an idea you would like to share? Use the form below to reach me directly.