Moving countries is a paperwork problem disguised as a life decision. The visa is the part everyone helps you with. The money is the part nobody does.
NutriZoe exists for Indians living and working in the United States – students on F-1, professionals on H-1B, families on a green card, and anyone running their own thing on an EAD. You file in one country, hold accounts in another, and most advice is written for neither.
I am Aradhana Sharma, a financial consultant for small-scale businesses based in Delhi. After twelve years living and working in the United States, I returned to India in 2019. That dual experience – and watching students and working professionals make the same journey every year – shapes everything on this site.
I write about the practical side of the move itself: how visa processes actually work, what safe international travel looks like, and the student and professional guides people need before they leave. Once they arrive, I cover the financial systems, long-term planning, and operational tools that matter to Indians building a life and a one-person business in the US. I have spent nine years self-employed across seven global platforms and teach business and finance courses on Udemy. I write every word on this site.
Most of what appears here started as a question I had to answer for myself after moving.
What this site covers
Two things, always aimed at the same reader. When a topic falls outside them, I don’t write it.
The first is the practical process of moving: visa pathways, safe travel, and the student and working-professional guides that help people leave India without unnecessary friction. The second is the money side that follows – the systems, planning decisions, and day-to-day tools required when you hold accounts and obligations in two countries at once.
Why this site exists
There is plenty of good US personal finance writing. It assumes you were born there, have no foreign accounts, and are never leaving. There is plenty of good Indian personal finance writing too, and it assumes you live in India. Neither is written for someone planning to study in Abroad, holding a US visa, retirement accounts, and a savings account back home at the same time.
That overlap is where the expensive mistakes live. It is where this site spends its time.
What I am, and what I’m not
I am a licensed financial advisor. Anyone who wishes to verify my credentials can request the details directly; I share them without hesitation.
Nothing I write is personalised advice. Personalised advice requires knowing your full situation. Everything on this site is general education. For any decision with real money attached, take it to a licensed professional who can look at your actual numbers.
You’ll find the full version of that in the site disclaimer. I’d rather you read it than skip it.
How content is created
I read the primary material, understand the context, and share a clear perspective on what it means for Indians navigating the US system. Numbers and rules change. When they do, the posts get updated.
About the name
NutriZoe sounds like a nutrition brand. It isn’t one. The domain came first, the direction came later, and by the time the site found its subject there were already people reading it. The name stays. The subject is money, tax, retirement, and the practical process of moving for Indians in the United States.
How the site pays for itself
Display advertising, and nothing else. No link on this site earns a commission. In a subject full of commission-funded comparisons, that is worth saying clearly. The full position is in the advertising disclosure.
Reaching me
Corrections are the mail I most want to get. If something is wrong or outdated, tell me and I’ll fix it and note the change. Everything else … questions, pitches, or anything else…. goes through the contact page.
Aradhana Sharma
Founder and editor, NutriZoe