Watch: What Happens When an NRI Loses a Spouse Without a Will in the US? Sahithi's Emotional Journey

3:41 Because my husband had registered to donate organs. So, people say that even in adversity , he made that decision knowing that this could happen. Yes. So, he did that. Yes, it took a week or more, and his friends were by his side when they turned off the machines. And the last day was in December, around the 15th of December, something like that. It took so long, but those days were very difficult. My mind was, like, I don't know if I can find the words right now to describe what was going through my head. Yes. Even before December 5th, the four of us decided: "Why not commit suicide?" Like, this might sound brutal, but that's what went through our heads. My husband and I were thinking, "Maybe we made a mistake somewhere along the way." Why

4:43 Aren't things going well? We are bothering our children as well; Why shouldn't we do that? But then I said, "No, we shouldn't do that, because children aren't responsible for any of this." They have a brighter life ahead of them . They should have a better life. Therefore, we shouldn't do that. But we did think about it, yes, I'm just saying what comes to mind. But we thought about it. But after a while, we thought everything was fine. We have been, and are under the deepest stress right now. Let's take it easy. But things didn't happen that way. I didn't have a chance to reflect with him again. It's just me, my two children, and my parents who came. There were, you know, lots of people, lots of relatives, friends , family, neighbors, and they all came to visit us. I was practically occupied with all these people, but I didn't have enough time to think about what was really going on in my mind, in my life, in my

5:44 Personal life as well, you know. So, there was a lot of support from the community, as I said, we made the Bay Area our home these past few years. Many friends contacted us. They were very supportive of us as neighbors, I am very grateful to my cousins, they helped me through this adversity to realize that now is the time to resolve financial issues, consolidate them and everything else. Yes, and to build a solid foundation for my future, especially for the future of my children. So, my cousins ​​and friends volunteered, how should I put it? They volunteered and took on that responsibility in those first few weeks. Yes. I mean, there was this particular cousin, I don't want to mention names now, but he was very helpful. He's much younger than me

6:45 , but he got my husband's phone, figured out all the passwords and everything, and found out where all the funds were and what needed to be done. And then he helped me figure out what the next steps were. Like, during my grieving process, I needed someone to sit beside me and write everything down, right? Honestly, I did n't have such a good relationship with him up until that point, but it was a blessing in disguise; he appeared. He took responsibility and identified everything, and then the next steps were already defined for me. Yes. That was a relief, but there are so many things to be done. Yes. Just like in the area of ​​assets, in the area of children, and also in the area of ​​visas, there are so many things to be done.

7:39 So, if I have to start with the visa, I have an H1B. My husband

7:45 Also had H1B. My daughter, my oldest daughter, had an H4, and the youngest is a citizen. So she doesn't need anything. She was on an H4 visa under my husband's authorization. That is to say, she is dependent on him. So, shortly after his death, she needed to be transferred to my ward. I understand. AND. So, his employer, and I am very grateful to him, to my husband's employer. I don't know if any other employer would be like this, because they gave 100% support, they did much more than expected to help me. They helped and started transferring his H4 dependency to my H1.

8:38 But before that, my husband had already started, before he passed away, the extension of his H1 vaccine or something like that. Extension. Extension. So this had already started before he passed away, and during this period H4 would also be extended, right? So that was there too, and the case of the H4 transfer was also raised. That was the first thing we took care of, because it could be a problem when getting the stamp, but as I've said many times , my husband was worried about the Green Card and I think he was more worried about my daughter's situation What would happen to her? She became very American. She knows nothing about India. So I was very interested in getting a GC anyway. I was still very much in the grieving process, you know. So I wanted to

9:42 Get this for my daughter and we contacted members of the local council, I don't know what they're called. Yes, council members, like the representatives. There should be someone, right? My husband's family knew a representative in the Bay Area, so we contacted them and are looking into the options. My family too, I have a large group of relatives, my uncles and aunts who moved there back in 1990, so they've lived there for a long time. They have also been trying to see what they can do. Like, for my children's sake, is there anything we can do to make things better? Of course, the person is gone; It's a huge loss, they can't recover it, but they were trying their way. It seems like, like, nobody can, like, sponsor a Green Card or anything like that, right? That did n't help. My husband's family

10:44 Had some connections with a local councilman or something like that. We contacted them. I personally also left a comment; there's a website where you can contact city council members. So, interest, I think congressman. Yes. Congressman. Yes. So I left them a message . Interestingly, I received a message that said, "Wow, I repeat, my husband's priority date was 2016, right?" 2016 or 2017. Yes, 2017. And I didn't have it at the time, but in 2020 I applied and got a priority date for 2021 , which is useless, I'd say. We were trying to see if we could do something about the 2016 priority date. I received a response from the congressman saying they are very sorry that this happened, but unfortunately there is nothing we can do. The waiting time in India is long and enormous. You have to wait for it,

11:47 And we can't make an exception because of your husband's passing or anything else. And that. You have to wait, at least, for a few years. And I asked, like, my daughter moved when she was 10 months old, what's her future like? They said, "You just have to wait, you just have to wait." But my only concern was, as soon as the person dies, the H1, the priority, everything is canceled, right? I mean, it becomes useless. So we were trying in those areas, and someone discovered, in the USCIS documentation or something, that it could be transferred to the family and reused. We tried with his employer and everything, they agreed we could do it, but again, they can't do anything, just keep the priority date active for longer. So that, when it is

12:52 Activated, the family can use it. That's because my grief was still very recent, and I was trying to see what I could do, like, because my husband has such a strong longing for my oldest son. So that's what I did. So I was trying this out and, like I said, I was an employee, a startup employee, and I have my own H1B. So there's no concern about my own stay in the US, but in 2022, the whole year of 2022, I was commuting back and forth to work. So, they were understanding, they were like, I was on maternity leave and all that, they were understanding, but things got out of hand and everything turned upside down. they gave me time off until January, January 2023, that's also mid-January. Hmm, but the concern is that they can't extend it after that and expect me to

13:52 Work 100%. 100% means 100% committed and all that, but remember that I'm in the midst of grieving and I have two young children. I don't know how to drive. So the next big task is learning how to drive. So I started hitting the road because, in that mindset I wanted to settle down in the US. I wanted to see how I would manage, how I could handle my two young children and work full-time. My parents are, like, not very old, but in their 60s. Well, my mother wasn't retired back then, and they have their own health issues. I was hoping they would keep coming and going between us, with the recent grief on my mind at that time, January and everything, but a lot of people, family and friends, were suggesting, like, some friends suggested that, you could go back to the US, and they were worried because they saw me

14:53 Making strong comments about going back to India. At the time, I thought that returning to India would be a step backward; that was my mindset. so they were, like, some of my friends were afraid to put this, my, put this idea to me. Few of them did it with a hesitant mindset, like, "I'm really afraid to give this opinion in front of her, how would she react?" So many people were like that, and I can understand their mindset. I was still so fresh in my grief. Hmm, so I went back to work and started my driving lessons. I did, like, I failed four times. the driving test, sure, I was nervous and I did, like, I mean, everything wrong. So, I tried four times, but on the seventh try, I passed. The entire community rallied to help me pass my

15:55 Driving test. Okay. So, I passed on the seventh try. So, by the seventh time, I already knew everything about driving. That's how it was. But I have so many things to take care of, like work, house, loan, mortgage, and two cars. I do n't know what to do with all this. Lots of bank accounts and everything else to take care of. Trying to organize all of this while managing a full-time job and having a one-year-old daughter at home. I enrolled her in daycare, dropped her off, came back, and went to a full-time job, which is stressful being H1B. Why do I emphasize H1B? If you are in a full-time job with an H1B visa, you cannot take breaks. You can't take breaks because, on an H1B, you need to be tied to an employer And if you want to have health insurance, like me, I have two young children and

16:55 Need insurance so they can receive adequate care. That used to be a burden for me, because driving to work...now driving has become simple for me. I simply got over it. I'm driving on I-680, I-880, and other highways. I drive everywhere because I need to go to work, take my children to the hospital and daycare, and pick them up from and drop them off at school. One day I made a list of my tasks. My cousin and I listed my daily tasks, and it went over 50. I don't know

17:31 How I was managing, and although my parents were there, they don't know how to drive. The only thing they can do is cook. They can take my son to the nearest park, if I'm lucky and there is one near the neighborhood. They can sometimes try to get them to study, but they don't understand many things. But they can't even afford a carton of milk. What if they get sick? Now that I expect them to travel back and forth, that was my biggest concern. And I enrolled my youngest son in daycare. She was constantly getting sick and I had to drive to the hospital again. I had to drive, like, I was somewhere in South Bay and I needed to get to a proper emergency room and a suitable hospital. I had to drive to Mountain View or Sunnyvale or something like that. It was very difficult for

18:32 Me. Again, you have to deal with everything, like, I had to manage my oldest son's studies, get home, cook, or depend on my parents to cook, and go downstairs to the nearest pharmacy to get the medicine. I was completely lost. At the same time, my employer wasn't supporting me like they did in 2022. Knowing my situation, they would constantly complain, like, "You're not 100% productive" or "You're not performing as expected." Of course I wouldn't perform as well, because I have many things to take care of. And they assumed that, since I'm now a single mother and have many responsibilities, this company or that job isn't suitable for me. They openly suggested that I should resign. I had to beg them, saying, "Please keep my H1B." I even cried at work. I've had crying spells several times because that's my situation; even if I

19:33 Sit down to prepare for an interview, my mind is overwhelmed. I don't think I can do a good job. I tried it that way too. It's clear that I didn't do a good job, and I also saw that the job market was declining because, you know, it was 2022 , 2023, there were layoffs in all the companies and everything else. There were fewer job opportunities. Even when opportunities arose, the market was unwilling to invest in H1Bs or sponsor Green Cards. I couldn't see a future for myself, and what I saw was that , even if I worked, amidst all these things, I thought it would be better to send my youngest son to India and my parents back home ; That way, they wouldn't need to travel back and forth, and I would have some time to think peacefully. And again, I need to emphasize: yes, I had cousins, friends, family, and everyone,

20:33 But... They can't cope with tragedy for very long. Everyone will soon return to their own lives . They need to get back to their lives, and they can't, like, they can't provide support for very long, you know? And that hit me hard, like, his friends used to visit us constantly, they used to support me, like, taking my son to school. Someone used to, like my cousin used to take my son to the beaches, and I could see how much I was depending on them. AND. I'm grateful to them for, coming and visiting me. But it's like a crippled life, you know, if you understand, it's like, it's, a family, a broken family. But I do n't want to be like that, like, although I don't agree that my family is broken just because we're not divorced.

21:25 It's just an unfortunate situation that happened. I don't want to be in this helpless situation where I have to wait for someone to come and pull me out of the darkness. AND. Internally I feel it, but I don't want my children to stay in that zone forever because it's a difficult situation and I don't, it's like, it's like you don't know if someone is coming or not. It's as if you were trusting them. So yeah, although my friends, like his friends , like, I don't have enough words to talk about his friends. Like, someone would come and take my son to activities, classes, summer camps, and someone else would come in and distract my daughter.

22:13 Someone would ask me, "How are you feeling?" Like, why would they care, right? And they are not women, they are men; Why would they need to care about me? And someone hesitated, as if they were worried about me. Someone said that you need to think about your life. They are guiding me. They're trying to be that older brother to me. Like, even with their busy lives, they're trying to do that. Even though I have family, cousins, and all that, I really trusted and depended on my friends a lot. AND . My cousins ​​and everyone else did their part, but I could see they were struggling, like, that I was becoming a burden to them. I could see that. So the first thing I did was send my mother and father with my youngest son. It was a difficult decision, but I sent them back home to India, where I

23:13 Could, where I saw I could continue my eldest daughter's schooling while I figured out what my options were, because my work is in a complicated situation at the moment and I can't, I can't dedicate myself 100% to anything. Yes. So I sent them, that was in May or June , May or June. Yes, and I sent them, and it was just the two of us at home. now, with just the two of us at home, things... now I have all the independence. I don't know, it's just that with a younger child the equation is different. With the older child, things are very different, so I used to take her to classes. I kept her so busy that she wouldn't ask about, oh, I miss my dad. Sure, she misses her father, but she never talked about it because I wouldn't let her, , be idle or anything like that.

24:09 Yes, I used to take her to all the classes. I enrolled her in dance, music, coding, she does all of that, but I just kept her busy and I was constantly on the go between the market and classes, I was super busy. Hmm, so that lasted a few months, and during that time, there were some things I was dealing with— I don't know if I'm talking about everything, really. I'm just trying to count, please correct me if I'm getting lost. No, no, no. I mean, I think you know there's a lot going on. So I know there are several things you have to balance, right? I think you kind of touched on the subject of H1, which is somewhat limited in terms of this issue. But the key point is that, immediately during this period of mourning, you want to prove yourself, and perhaps one of the things that her husband, Shri Kant, was most interested in was how their eldest daughter could obtain a Green Card. So you were more trying to prove to yourself that you're independent, that we can make this happen, and that was the

25:10 Mindset, and at the same time you don't want to be a burden. I mean, I know people are willing to help and all that, but you don't want to depend on anyone. I think that's the mindset you're in at this stage, and that's what you're trying to convey, you know, and I think there's a lot going on. I think you 're trying to figure out, like, how can I make this happen? And it's like juggling a small child, a one-year-old, stressful work, you know, taking them everywhere. There's a lot going on, and you have the opportunity to break free . So perhaps we can continue down this path, and then we can move on to another task. So maybe you can, you know, figure out how to care for the implant, as a thought process. Yes, please continue. I think so. Yeah, like, again, as I said, friends would come over occasionally, cousins ​​would come over occasionally, but in the end, you're alone. This is the strongest message I've received in my entire life in the USA. I mean, when I send my youngest daughter away, I miss my youngest daughter. You could say you just

26:13 Sent it two days ago or a month ago. Why are you already missing it? My question isn't about the one month. What does the future hold? What does the future hold? Now I've kept my oldest daughter occupied. We used to go to birthday parties and everywhere; When I sent my youngest daughter away, her birthday was in November, but I moved the celebration forward knowing she wouldn't be back for at least a year or more. That was the mentality. But throwing that party as a single mom hit me so hard, like, I planned everything. I'm a determined person, you know, the kind who goes after what they want, I feel like I can do anything. Now that I knew how to drive as well, I could manage everything; That was the mindset I had. Yes, I managed it.

27:03 But there's, like, I could see that it's very obvious that this family doesn't have a father. That's the strong point; it's obvious and visible. Yes, I am truly grieving. Yes, I'm going through that too. I used to cry, I don't know how, where, or why I was crying, but I would break down wherever I could. Like, if someone, if I went to a birthday party with my two kids and someone offered and said, " please, eat your cake." "I'll take care of your youngest daughter." That affected me deeply. Actually, they are helping me. You shouldn't feel bad, but they are helping me. I used to think of my husband as if he would have come to help take care of the youngest one, you know?

27:50 Sometimes, sometimes I also felt that, I always wanted a family. Now, like, thinking about and wanting to have a family, I don't know , I could have expressed it better in Telugu , but yes, you can continue. Yes. But like, why does the question of "why" affect you so strongly? It hit me so hard, like , where and why and how did I go wrong?

28:41 Nobody has an answer. When someone says it's just a story, nobody has an answer, and don't tell these things to your children, like, it hurts, it hurts very deeply, as if , even though it's a simple story, it's a single story where I put 100% of my efforts. So I kept my oldest son occupied and life went on while I cared for him, and I asked my employer for more time off. Yes. And I was trying to do some interviews and nothing was working out, and I think I wasn't in the right mindset to do good interviews either. Yes.

29:28 So I was trying to get interviews and nothing was working out. I was trying to do my best. While all of this was happening, other things were also going on, like, some things I want to highlight, such as, since my husband passed away, his bank accounts needed to be transferred to my name, and he had some investments, shares in his company and all that; Even though he put my name down as the beneficiary, the intended beneficiary would receive the payment. So I was handling

30:01 All these transfers, and then my cousin, the one I mentioned, who helped me with the financial background, he helped me understand and find a financial advisor. I contacted him and we managed to get some funds with investments and his life insurance, and yes, when we got that, I was wondering if I could go back and invest in, EB, there's some kind of, EB-5 program for EB-5, because, again, you're trying to make this happen, so it was totally about whether I could do it. So, we were trying to understand that and, , like, I think, there's that ETV2, right? It also featured a scrolling caption. My dad took a picture and sent it to me, like: "Hey, GC, GC, if you want a GC, just invest, we'll give you this and that."

31:02 Then my father called me and asked if I could think about it. So my whole family wanted me to fulfill his dream for my oldest daughter. Yes. So, while I was asking my employer to keep that job stable, right? And so, there in India, my parents were at home, without needing to travel, living in a gated community and taking care of my youngest daughter. Yes, it 's difficult for my elderly parents

31:31 To take care of her. But my daughter was having fun, like, she had a stress-free life, a worry-free life . No need to go to preschool, daycare, and all that. No, Mommy isn't rushing you to put you in the car seat, drop you off somewhere, and then leave you sick. I didn't see that. She was happy, and my brother's family lived near my parents' house. She was having a lot of fun. I mean, even though she feels like something is missing. She didn't have her father around at such a young age. I can say that the first two years of her life were very difficult, but she was making the most of that time. Ah, I could see that she was blooming. She speaks such fluent Telugu, and like, I 'm not exaggerating, but she spoke Telugu fluently, and, oh, she ate really well, you know, compared to my older sister, because the care for my older sister was very different. She was born to parents who worked in busy daycare centers

32:32 . Her life had to be much busier compared to my youngest daughter's. She was growing up with peaceful grandparents. There's no rush for anything. You are spoiled to the highest possible degree. Although she received a lot of pampering, she is a very disciplined person, thankfully, and she eats very well; I still compare that to my oldest child. I tell my parents that I am very grateful for this. I can tell if it's because of her behavior or if it's just the child. I don't know. I can give credit to my parents because there's no rush, each vegetable is cooked properly, and they sit down with it. And I saw some things that she might be missing out on, like going to the library, seeing an aquarium, going to the zoo, and I feel so bad for her. But, I don't know how I can, replace or how I can provide that, environment. But she was having a lot of fun; That made me think.

33:33 While I was taking care of those things, my daughter, my oldest daughter, was busy with her friends, birthday parties, like a child her age, everything she can do, she tries to do. Yes. But her mother ca n't take her to the beach by car. Her mother can't drive to the mountains and other places, like all her other friends who used to go camping and stargazing. You'll have all sorts of things, available at your fingertips. And my husband was the guy who used to take the older one, and they used to be, like, how can I say it? They're the kind of people who make a party, you know. They used to go hiking, camping, and glamping. They used to walk on dark nights just to observe the stars. Yes. I don't know what kind of strange people do that . are there any stargazing clubs or something like that?

34:24 My husband was a member of that. all those events were late at night and he used to take my oldest daughter. She used to cry, but she liked it, you know, she was missing out on all of that, I used to tell her that's all I could do. I'm sorry , this is all I can do, and there are things I can't do, so she was fine. But I was trying to, replace it with, what do you call, playtime with friends, sleepovers at friends' houses. And , as I found out, there was another neighbor, who was the best neighbor, I can say, who took care of my daughter as if she were her own while I went to the office. She used to pick up my daughter and, do, like, completely take care of her, take care of her homework. And her family, since they have a child, her family used to, take her, take my daughter on trips during the holidays. My daughter didn't want to come home; She spent all her time

35:26 Alone with their family. So I was, taking care of my work and, then we were sorting out the EV5 and all that. Yeah, it turned out that, like, my financial advisor suggested, like, why do you want to spend money on that? You lost your husband, you don't have a backup plan. Even though, like, I wouldn't suggest, even though I'm an

35:45 American citizen, I wouldn't suggest that you do that. So, in the meantime, his employer, through some referrals, said, like, we figured out that we can activate the priority. So we figured out that we can keep his priority date active forever, until the family can come and use it , right? But I asked my employer if they could do the portability. They said you ca n't do that. You can only do that when it becomes active, and then we can carry it, and you can use it, get the Green Card and everything else. So that was resolved, and the financial issues were resolved, but there was one thing, like, his employer offered us, like, "You'll have stock options," right? He

36:31 Wanted to, like, he had joined that employer just two years prior, to get 100%. Yes, you know, every year. So they could have accelerated the acquisition. But his employer was generous enough. They said they would give us that advance. We were happy, but to achieve that, first, the house, the cars and everything else...the cars, of course, I didn't have a driver's license, so it was only in his name; The house was in both his and my names, but we didn't make a will for it. Yes. Immediately after that, I transferred the loan to my name and, if I remember correctly, I didn't change the title deed ...no, the title deed is a long process, I transferred the title deed to my name, the loan was in both our names.

37:25 Yes, of course, the title was changed, but the loan was in both our names. So, although his employer offered it, and although California law says the spouse receives the full benefit, the employer, being a global company, is in different states and they want...if there was, I think it was one of the first rules created after his death, so if in the future, God forbid, if something like that happens, they wanted to establish a rule. They said, "There's no will, there's nothing that says so ; although California law says so, there 's nothing to confirm that you can receive everything completely, right? " So we want you to go through the official process, which is like probate. Because he didn't leave a will, you, I have to go through an estate settlement process and everything else, it's the most expensive process, you have to find a, sorry, you have to find a lawyer.

38:26 Yes, going to court and doing all those things. Again, my cousin, the youngest one, he came to help me. He found a lawyer. I think he has good connections. He hired a lawyer. This lawyer helped me write a will for myself first, because I'm in the US. If something happens to me tomorrow, who will take care of the children and everything else? So the first thing we did was write a will for me, since I owned property at the time, taking out the title and making all the estate planning arrangements. We did all of this; we wanted to do it while Shrian was alive. But we had a consultation with the lawyer, we understood the process and we thought: "Oh, it's a long process." We both had jobs, who would do all that, right? "Let's leave it for later." That's what we did. And even

39:27 For the mortgage loan, I think we received some emails. We were dealing with Loan Depot, I don't know if I can name them, but we received emails during the Covid era saying: " take out insurance for your loan so that if something happens to the homeowner, that loan can be paid off". right? But we completely ignored that too. I was thinking that if there was anything that could be done, I wish I could go back in time and do it. And we also had a house in India . So, that wasn't completely resolved either; we had rented it. So the loan was paying itself back. Yes. So, that should have been resolved as well . Okay. So, we immediately started the probate process.

40:19 Sorry. We immediately began the inventory process, which took a year. The whole process took a year. I had to sign so many things. like, the only thing, I don't know if it was because of my lawyer, but I didn't have to go to court. but I received some calls from the court and the lawyer's team, asking various questions like: "Where are you? Are you really your husband's wife ?" Like, "Did your husband have other affairs?" Or "did he have other marriages?" Like, "where," all those difficult questions. And there was a moment when, one of the questions was: "Where were you at the time of his death?" what's the proof? How can I prove that? He knows? like, they wanted to talk to my kids too. I 'm not exaggerating. like, I understand that these are all verification questions to understand if I'm

41:20 Really the right person and I'm not deceiving anyone, so it was a year-long process, and I also want to highlight something else. I don't know if anyone else knows this, but, as an employee you receive a salary and perform this social service, SSN, you mean

41:42 Social security? social security, you deposit your salary, you also deduct that , right? So, there are what are called survivor benefits. I want to highlight that. Survivor benefits, because I ignored that for too long. Many of my relatives and friends, and the sister of a friend of my husband also lost her husband. She called me and explained it, but I didn't think I was in the right frame of mind to focus on anything. But after a while, his friend, like, my husband's friend, reminded me again, and my family, my cousin, remembered. I thought. He reminded me again to focus on that , so I called the Social Security number and informed them that this specific person on social security, this number, had passed away, so what would the next steps be? They said, "please come to the office, we'll talk about the next steps." So, as the

42:44 Surviving spouse, I didn't get anything. I earned a minimum wage because I am an employee. I don't know how much a person who is not employed but is a citizen would receive. I don't know. but I received about 150 dollars or something like that, or a little more, 200, I don't remember exactly. But it's a minimum amount. Yes, it 's minimal. They paid me saying it would cover the funeral and other expenses, but we took care of the funeral and everything else ourselves, and $300 isn't enough. I must say that his employer helped us a lot. Even though everything had been resolved, his manager organized an online fundraiser. Yes.

43:32 Then we received sarcastic comments about it, asking, " You're employees, why do you need this?" But I didn't ask for any donations. They created the crowdfunding campaign, the employers, the subordinates, my friends, and my husband's devoted followers; With gratitude, they came to ask, since he was in a precarious situation, how they could thank him for his contributions. So they started a crowdfunding campaign and gave me the funds, and I'm using this platform to thank them; The money is being very well taken care of, that's all Perhaps just a quick question, sorry, I think you mentioned inventory, especially regarding stock options or RSUs; Are there other assets, given that there was no will? I think you mentioned that the house is in your name, and I was

44:30 Curious to know if there have been any issues with other assets. Even with bank accounts, if it's not a joint account, there might be some difficulty in accessing it, if you're willing to talk about it. I mean, I just wanted to make sure we covered that. Yes. Yes. Yes. Yes. Fortunately, all our accounts were joint accounts. I understood. All of our accounts are joint accounts. But still, I need to send the death certificate, the marriage certificate, and I think we can continue keeping his name. But I received some advice from the pension department, not from Social Security. I received advice from my accountant, tax experts, and financial advisor that it's best to remove his name, even for future purposes. So, for now, I left his name there and it wasn't a problem because we had it.

45:25 Yes, we had joint accounts from the beginning; We had two accounts. One was for salary and the other was for other purposes. They were both joints. Yes, I don't know why he did it that way, my husband did it that way, and it was resolved. And I only had problems with stocks; He added me as a beneficiary. But, for one of his accounts, I think, I don't remember if it was Morgan Stanley or Robinhood, although, although he added the beneficiary, I had to go through, there I had to go through a similar probate process I understood. Similar inventory process. I do n't remember. With Fidelity, we didn't have any problems, but there's another account where he had some investments, but we had to go through the same process and the same procedure. When we, when I contacted them, I think it's

46:27 Charles Schwab, Morgan Stanley Charles Schwab, when I called them and explained that, for, this employer process we're going through, would a will help? They said, "Yes, that would be perfectly useful; as soon as it's ready, just send it to us." So he waited, like, waited for a year and sent it back to them. But, during that year, I want to highlight that there's a lot of documentation. there are a lot of calls asking difficult questions, the most difficult possible questions. they're going to ask you all sorts of questions and it's difficult because the husband, the person, isn't available and you , as the wife, as we both planned, and now I'm the only person to answer all these questions, it's difficult for me. It might not be difficult for others, but it was difficult for me and, well, the inventory cost is enormous.

47:25 Yes, the cost of inventory is enormous. like, the cost of lawyers is enormous. court fees are enormous. , I want to highlight that. So, I strongly recommend, even if you only have one thing, whether it's a house or a single bank account, just make a will for the sake of the children and, to avoid the probate process. I'm not saying everyone has to go through this, but it's better to make a will. I definitely want to emphasize that I think it's very important to have a trust ( estate fund). especially when you're living abroad. I know for sure that in the US, for any unfortunate incident, especially even in small things like child custody, access to bank accounts and everything else, it's extremely important, because everything is very bureaucratic and the associated costs are enormous.

48:18 Yes. Don't underestimate the importance of having a living trust. Even if it is, as you mentioned, only a single asset, it is better to have it and keep it updated regularly, as this would prevent a lot of suffering in any unfortunate situation. And we don't want it to happen, but it's better to be well prepared in advance. Yes. And to emphasize your point, as soon as my husband passed away, the person from social security asked: "He has two children, is there a will specifying who will take care of them?" There is no such thing as a will. So the wife is present? Yes. Can she take care of them? Yes. So, they were only concerned about one child, the one who is an American citizen. They weren't worried about their eldest son. But I introduced myself and said, "I am the mother and I am here." "I will take care of it ." This was, and still is, the most painful thing to say, even though I'm the mother and can take care of her, having to report and say this is the hardest thing I do. That's why it's better to have a I would like to point out that, after the incident with

49:20 My husband, I personally saw my neighbors, my friends, everyone scheduling appointments. That's a good sign. It's a very good sign, my cousins ​​and everyone else were asking: "Do you have any recommendations?" "You have something, because I'm going through this right now too," was my reply. But I think I still want to emphasize that perhaps more important than a will is a "living trust," because the will can be part of it . The "living trust" is much more important, as it covers a somewhat wider area. But I wanted to make sure people pay attention to this and make it happen, you know, don't ignore it. It's an important document to have. Yes, please contact me. And for the SSN (social security number), this only applies when the spouse, the person who contributed to social security, has passed away. I don't know if it works for divorces or other cases, but for, when a person

50:16 Dies and has family, I don't know if everyone knows this, but the non-working spouse, if they are an American citizen, I think he or she will receive a good amount of money, but I didn't receive much. I think it also depends on how long there was a contribution, so especially maybe after 10 years, regardless of citizenship, people will be eligible, but it 's also how much you contributed to the system, right, and that determines , so that can be a factor, I just wanted to say yes, that is a factor, but in our case, my husband only worked from 2016 to 2022, six years, but I'm highlighting this to say that, there is a percentage, your contribution within that percentage. You are here, my children received a good amount every month. It's like, it's not a huge amount,

51:16 And it's not like 300 or 500 either. It's like a good number that they received, that they gave every month. Like, even though my, oldest daughter went through rigorous scrutiny for having an H4 visa, I asked them , he, like, at that time my mindset was that I would just live there , right? So I went to a lawyer here and we did a lot of paperwork requesting it, since he contributed to the family. The family has both children , how could they separate one child from the other? We fought, not like we fought, we discussed it, and it was a back-and-forth, and finally they approved it, but up until the time I was there, both my children received a good amount, it's not a small amount that you can ignore, you understand?

52:06 Okay, yes, we received it. And please don't ignore it, like, I informed two couples of other friends of mine, whose husband, like a friend of mine whose husband passed away, and one, like a distant relative, distant whose husband, whose wife was, died in an accident, and they ignored it , and they went back. But I informed them that this is possible. Your daughter is an American citizen, your son is an American citizen, just try this. I'm just confirming what I heard, the survivor's benefit, you know, it especially helps dependents while they live in the US, does that continue, if you don't mind sharing, regardless of where they live, or only while they are there?

52:54 Yes, while I lived in the US, both my children received it. But when I made the decision to leave the US, I had to ... they said they couldn't give to the older child, but that they were only concerned about the younger one because she is an American citizen. Wherever she goes in the world, I think they have some restrictions, like Cuba. I'm not really sure. There are some countries where they cannot ship. But since it's India, they can send it , but... I don't want it for my youngest, sorry, my oldest, he's not an American citizen and I'm okay with that . I mentioned that this requires several visits to the SSN office and long waits, but for me it was worth it. It was a great relief for me, something I wanted to highlight. Okay. That's all from the financial side, and as I said, I sent my youngest daughter to India and she's having a great time while I looked for a job and kept her occupied, but in terms of domestic, personal, and social matters...

53:57 Yes, we're busy out there, but when we get back home, to the big house—it doesn't matter that my house isn't that big, but a big house for two people. I felt

54:10 Like we were alone. We are alone. So we used to lock the bedroom door from the inside, and at night I would lock everything up. We had digital locks, alarms, and everything else. But when the two of us were sleeping, we used to lock ourselves inside and go to sleep. I used to live that way. Okay. Yes. Yes. And the loneliness hits even harder. That's right. Your cousins, oh, I mean, not cousins, your friends and family and everyone, how long can they hold your hand? And they also take family trips and everything, right? So, yes, I took my daughter, and we did our vacation the best we could . I took her on vacation; I took her to Thanksgiving, to the Grand Canyon, and everything else.

55:00 I tried, but there's no feeling of completeness. Come back home, we're so alone, so alone, and it's scary, it's scary to be so alone. And I'm asking my employer to extend my time off to keep my job because there are several things to take care of and I have two children, so please give me some time off. That's what I was doing. So, one of my friends asked, "What's the plan? What's your plan? You sent your youngest daughter there, you're keeping yourself busy and taking care of these things?" You're doing great. But what's the plan? What does the future hold? When is your

55:40 Youngest daughter coming back? My oldest daughter, she's happy outside, jumping around, playing with her friends. Outside, she is happy. Like I said about my other friend, she stays there and everything She thinks that's her family and she's happy. But when she gets home, she cries for her sister. She talks about her father. She is, she's angry with me for sending my... the youngest one. Yes, the youngest one, I don't see a family structure. So when my friend asked, I thought, "Okay, I'll ask my parents to come back again and my youngest daughter will come," but she asked me deeper questions , like, "How are you going to manage?" Are you going to do the same thing again? Your list of 50 items will be back. Can you assess and handle all of these things? What if something happens to you? For how many days can your parents drive? I mean, for

56:41 How many days can your parents travel and your in-laws come and travel? They are also elderly. For how many days can they travel? When she asked those things that day, it made me wonder : is this really going to happen? She said, "Why do n't you think about moving to India?" Why don't you think about it? As I said, I will miss the libraries. I was worried about my daughter's exposure. I will miss the libraries. I will miss the parks . These are my main concerns. I wasn't worried about other things. The only thing that matters to me is the infrastructure. Now that I know about medical care, I'm not worried about my health. I'm only concerned with, the infrastructure, the libraries, and the parks. Just that. Okay. So, I was seeing my daughter being cared for and my youngest daughter was also happy in India, and how the gated communities were helping. I saw that, and then my friend suggested some videos to me;

57:42 She shared her channel. I don't know how she found the channel, but she shared it, a friend of mine saw those videos and shared them with me and said, "Why don't you watch this?" I started watching, and I saw so many perspectives and so many videos. I said, "Oh, there's another side to this," and there's that online community and those forums. Furthermore, there are some YouTube channels where people make vlogs and talk about going back, and my job situation isn't improving either. So, I finally thought about trying to think in that area, and that means I'm killing the dream and the desire, the American dream, and my husband's strongest wish regarding my eldest daughter, right?

58:39 That's what it takes for my eldest daughter to become a citizen, isn't it? It demands my time and effort; I would be constantly on the go, and I need to have a steady H-1B job to have good health, a good health plan, and a good life and good money here in the Bay Area. It's expensive, I need to pay my mortgage and manage my finances. And again, is it a 100% life? You...I ...I'm like...this is my situation, this is my story, where I'm constantly making my parents travel because I want to...without them, I can't do anything at this point in my life. So, I thought, when I was reflecting, that I didn't see a future, like, when my youngest arrives, how am I going to be able to cope with this? I had no answers for that . Even if she comes, when my parents return, it will be the three of us at home again . It's something isolated, lonely, and if

59:44 I think about it from my children's perspective, their childhood is traumatic, even if it's better paid. Their father is not present. Their mother is always running around, taking care of so many things, trying to balance her children and a stressful full-time job, without knowing if she's 100% productive or if she's doing her best in everything. No, not everything is mediocre, and your children, my children, would end up suffering. Yes, I could have managed with babysitters, hired other people, but I don't know how safe it is in a different country where I have less control.

1:00:36 I have less control, I need to deal with that, and it's not cheap either, especially with two children. Again, I have so many things to deal with; For example, I wasn't happy with the school my daughter was attending. So, this means moving to another community or to a different school , which means spending more money. And for the youngest, if she arrives, she needs daycare or school, and then a nanny. Since I'm managing all of this alone, it takes a lot of money, you understand? And besides, I need to take care of their future needs too, right? Yes.

1:01:23 That made me think: why am I insisting on the US? How did people see themselves in India? Why not consider this idea and this possibility? So when this idea came up, it became clear to me. Okay, yes, I agree, I can't achieve that American dream. I accept that. This comes with a lot of pain and agony, because although I am capable, although we could have achieved it, although I could have accomplished everything that my friends, cousins, and his friends are achieving... I'm not saying this out of envy, it comes from deep pain.

1:02:10 Like, we could have achieved it, it's just because we're unlucky. It's simply because something unfortunate and unexpected happened. The system and infrastructure do not support this. So I thought: yes, I accept. I can't handle it . Now I want to give my children a peaceful, happy, and healthy childhood, while they have access to many things. Yes, we couldn't have the wonderful and luxurious theme parks that America offers. I still miss libraries, even though we don't have rich libraries, but I want them to have a peaceful childhood and, during the summer holidays, I don't want to put them in a camp. Yes, summer camps are wonderful, but they are places where parents, where the mother goes to work and then returns to continue with her normal life. It's because I realized that my children had that trauma and that

1:03:10 Stress; I don't want that in the family, and what I was thinking is that family comes in different shapes and sizes. Now, if I can include my parents in my family, they could be like a protective layer for my children while I go on with my life. For me, when my friend, my best friend, gave me that thought, it was like Krishna speaking to Arjun or something similar; It was a turning point for me. And then I thought, "Yes, I could achieve many things with little or less money." Compared to the United States, right? Let 's forget about money for a while, but let's say...

1:04:03 I don't want to work because I'm taking care of my two children. I have to, I'm career-oriented; Yes, I haven't had great jobs and I haven't achieved many great things yet, but I have a career-oriented mindset. I want my children to have, I want my children to achieve many things. So , I want to give this attention; In the United States, with my busy schedule , I can't do it, but here I can, so I want to offer this exhibition while my parents take care of so many other things; that was the mindset. So, once I had that clarity, the rest became easy, and I also used your platform to help . I spoke with a few people; They were so good I can't even express it.

1:04:55 There was someone who wrote everything down, we talked, you know, she was very attentive. I just sent her an email , and she immediately gave me her number, talked to me, shared some websites and her experience of how Hyderabad or India helped her raise her children as a single mother. So it was super helpful, she wrote everything down and said, "That's fine, you can adopt that approach." And in making that decision, I also spoke with some other single mothers. One of them, oh, holds a high-level position in a large company, oh. She said, like, whatever she said, I could see the pain of, not having gotten the Green Card in time for her, son or daughter, I don't remember exactly. But they were, they were in

1:05:56 America, but they had to travel to India and move to India for family reasons, ah. They had every opportunity to give birth to their child in the US, but unfortunately, due to some family emergency, they had to move back to, America, and they couldn't, sorry, India, they couldn't give birth to their eldest child in the US and, they had to give birth in India. And she regrets it to this day ; that son grew up and is in college, and she, that person, was, oh, in India and then returned to the US. They are now in the US, but, ah , they are waiting for citizenship and a Green Card. I don't know if the older one will be able to manage it, but the younger one was born in the USA. They went and came back, but they still regret it today, even now , "Why did we do that? Why didn't we give birth in the USA?" And I was also talking to different people, like, I was in

1:06:58 The mindset of how I could get the Green Card, but it's not about me, it 's not about... It's about my oldest son, so, ah, I was in that mindset, so I met several people. I managed to get some contacts, and one of those contacts was a startup where they would help you get one. Hmm, there's this self-petition thing; There's a startup, oh, there's an EB1 BA or something like that , where you can file a petition for yourself saying, "I have so many recognitions, why don't I receive them?" Ah, it's something like that, and they help you, they help you file that petition. Well, it's very expensive, so I was thinking I'd try that too. I heard them and everything, but it involves so much; You have to be, like, they're going to, they're going to help you get all these credentials, like, you have to become, ah, you have to publish articles. Now, we, they will make you publish articles and all that, like in a country. Why would anyone do that? For some reason...like, I lost

1:07:59 Interest. I can't put it into words, but I...I was like, okay, only great...ah, I mean, only amazing people can live in the USA. I'm not amazing. I accept that. I don't want to live under stress. That's it, that's all. I decided at that moment and immediately started researching. I...I told you, didn't I? I spoke with different people. I did a lot of research, oh, a lot of research on schools, oh. We already have a house here, so...we already have a house in a gated community, oh; That was already resolved. I already...I already loved that place before, even before I moved there, ah. Hmm, we had everything sorted out, oh, everything was resolved. Regarding the house and the location, everything is settled. Now comes the prospect of work and, oh, education.

1:08:45 If you could pause there, when was that decision made, like, you know, when did that idea come about? I know you've been trying to make this happen. So, it was like, yeah. So, when was the decision to move to India made? Yes. So, some of my family members were against it. They suggested that instead of living in the Bay Area, I could

1:09:03 Move to a different area where other family members lived. But again, I don't want to, like, I want to be with my parents. I was clear, because, well, it's not that they can't take care of things or anything, but my parents are a different story. So, I was pretty decided about it, like, yeah, my uncles, aunts, and cousins ​​took care of me as if I were their own son. I can say that I didn't... I didn't know the value of family until that moment. Well, to be honest, it wasn't that I did n't care about them or didn't respect them, but I didn't feel like they could help me and be there for me as family until that moment. Yes. To be honest. Yes. Yes. There was another, there was another group of family members who insulted me during that period of mourning as well, but oh, I did n't know the value of family until that moment.

1:09:56 Yes. So it was clear, but I made the decision around November, but it wasn't like, oh, I made the decision in November because admissions start, oh, children's admissions start in November/December. So, ah, I know the place I have to move to. Ah, so, ah, the list was short, and, ah, I discussed it with my employer, them. First they said, " Yes, we'll support you, you can work from home," but they kept going back and forth: saying they would support you, then they would n't. It seemed very painful. If your employer is undecided about whether or not to support you, what can you do? At a certain point, I decided that, regardless of whether my employer could or not, I would simply resign. I was just going to resign. It might be a difficult decision, but I would simply resign. I'm moving and I feel like my mind needs a break.

1:10:50 And you're in the same startup, with the same...my mind needs a break. So, I'm going to take a break, sit down and look for a job again, forgetting about money, how I'm going to manage money and all that stuff, but... I felt I needed some time for myself and to be with the kids, that's what I do. So, regardless of the employer, I didn't look for a job or anything. I'm still with the same employer. I didn't look for any job. I started enrolling in schools. I made sure my children participated in the interviews and everything else. She managed to get some admissions. I still thought the inventory was happening at that time. I still thought, even though I was so naive, that social security for my two children would come through while I was in India and that I could still rent out my house and manage the property I own in the Bay Area. I was so hesitant to sell the Bay

1:11:50 Area property because it's the Bay Area. I thought like this , you can understand how much I loved the Bay Area and everything, right? But my financial advisor was against it ; He approved, he said: "Your decision to return to India is right, but your decision not to sell is wrong." Yes. From many perspectives, he agreed with the idea of ​​me returning: " Yes, you need to be there for your youngest daughter. The youngest also needs a family; she needs a mother, so please come back. I agree, I will support you in every way possible, but sell, sell your house." He gave me a spreadsheet explaining why you have to sell, how much it costs, and how much your mental stress would cost you I wasn't very excited, I thought " oh, it's in the Bay Area, it'll appreciate in value" and all that. But I handed it over to a property manager and everything.

1:12:52 I could see the Excel spreadsheet and the numbers, and man, as soon as I got back, as soon as I got out of H1B, I was totally prepared. I was prepared to move in April because I own a house, and at the time my employer was saying, "You go back to India, travel to Bangalore a few times while you're there, " and my children's school was also saying the same thing, so I decided I would go, but I was holding onto my property. But then, I could see the costs and the Excel spreadsheet. I booked my flights for April too, everything, but then I had to cancel my flight and, in April, I decided I would sell my house because it needed to cover the mortgage, it needed to cover the service, how is that?

1:13:47 Property management property tax. Yes, although I received a good rent , it didn't cover the mortgage and property tax, and paying off the mortgage at that interest rate didn't make sense. So, the only one, and other challenges could arise as well, such as not being on-site, and suddenly a problem could arise, who would come to take care of it? Yes, there could be property managers, which means you need to hire one. Again, it's 6% or 5%. I found a property manager for 5%. Again, this is also called...it's as if it were nothing but losses. And besides, if in the future you decided to sell the property, you're no longer on an H1B visa, you have to get a visa, you have to go back, you have to hire a real estate agency to process the sale of the property.

1:14:36 Again, the costs, it's all loss , loss, loss. You end up earning so little. And what about the capital gains tax you have to pay if you sell after five years, right? I know there's the primary residence exemption, I know there are so many things. Yes, I didn't know, I didn't know at the time, that calculation wasn't even in my equation. So, with that main decision, and then I sent a message in the group and someone replied with some questions, I remember there were five topics, and he, he, I don't know if it's a he or a she, in the same "basis returns" group with five topics: "Answer these things to yourself ." If you can do that, it's best to keep doing it. If you can't do that, don't keep it. And one of them was: being in India, without being a permanent resident or citizen, how are you going to return and get organized? How are you going to take care of this when you're missing out on capital gains you could be making now? Isn't that why I decided to sell the property

1:15:37 Now? Now, all the research and everything else, and by that point I had already done the inventory. one year. It was made by, fe...ah, I forgot another point. Like, ...while the inventory is being done, the surviving beneficiary, I mean, like the titleholder, the beneficiary, cannot leave the country. So I, I ca n't leave the country until February . Yes, so it was done, the inventory was completed in March and, everything, the... the financial part, everything was settled, except, ... except my house. Right. So that hadn't been done. So now it's a completely different situation. Now I have to sell my house. This means that first everything needs to be packaged and, sold. So, I have to find a shipping company if I want to take things to, India, right?

1:16:38 So, I spoke with the real estate agent, we talked a lot, and I finally decided I'm going to move, but first I asked my employer if they could help me with, the job here in India. They said they could only support me for a few months, and although they weren't confident, I can't depend on them, but still, they said they could support me for a few months. I am grateful for that. So they supported me, they helped me , I think they understood my situation and helped me with sending my things as well. So, I thought, like, everyone asked why you would ship everything, since the houses in India would be different.

1:17:26 So, I decided to just, since we've accumulated some books, some electronics, and some mementos, like picture frames and all that, and some furniture, not much, and I exported the TV as well. I couldn't find one; at the time, people told me I wouldn't be able to get a TV of that quality for that price, so it was better to export it. So I exported it, cleaned the whole house myself, disassembled some furniture, sold it on the marketplace and everything else, and emptied the house. Then came the preparation of the property. They prepared the site, and just as we put it on the market, real estate rates went up.

1:18:18 Property, what do you call that? Interest rate, mortgage interest rate Mortgage rates have increased. So , we weren't receiving any offers. No one ever came to see our apartment. So nobody showed up at the apartment. I was thinking, "Okay, this is becoming a nuisance because of this property." I decided to quit, but luckily, just in time, we received a good offer, I signed it, and everything was fine. So we signed the contract, everything went well, I packed my things and returned on June 8th. Yes, I think I'm still new to India after the move, but I could see that India has changed a lot.

1:19:12 My daughter, who was so hesitant and, you know, crying because of the change . She says she loves India now. Of course

1:19:20 She doesn't leave the gated community . She's afraid of dogs, garbage, and all that stuff . But I still take her for walks, making her walk in the streets and cross the roads. She's saying it's fun. India is fun. And I enrolled her in school. She also loves school. She says it's better than school in the US, I do n't know. And I still miss libraries. Yes. That's it. Yes. Okay. Great. So there were a lot of things to take care of on my own, you know. And I appreciate it, I think you have friends, cousins ​​who are helping, and even that conversation with your best friend that sparked the idea, and the follow-up, congratulations for reaching out to people to understand what to expect and making an informed decision. Look, I... I don't

1:20:20 Have words to describe what you went through and, you know, having made that decision to make this big change, because change in itself is already something huge, and to do it alone and seek the best for the children and for everyone, you know, as a family. So, I know it's only been a month and a half or two months, so maybe in the future we can talk and get an update on how life in India has been. But is there anything we haven't covered that you'd like to share with the audience, or any advice you might have? Yes, you know. I have no advice. Of course , whoever is listening will think it's just a story. It's just an unfortunate story. Yes. Yes. It's an unfortunate story. I'm not forcing anyone to not stay in the US, to not

1:21:12 Make money, or to not have that experience. That's not it at all. But all I'm trying to say is that, in my case and in my story, it could have been resolved in a much better way. It could have been better. Yes, even though I moved to India, I miss the libraries, the parks, and the ease of access to so many things, you know? But I see that India has changed a lot. And in gated communities, we have so many parks and everything is very well organized. In the condominium where I live, I have access to all kinds of classes. I don't need to drive anywhere . And for me, I discovered that, as my daughter says, "Mom, you don't need to drive to go anywhere." I am really happy. I don't need to sit in the car waiting to go to any class, and they are all quality classes, not just quantity classes; These are quality classes that I found within my condominium. I am very grateful for that. Yes, I'm feeling renewed. But I would say that, although it's

1:22:15 An unfortunate story, things are actually better in India, and considering the idea of ​​moving there isn't a bad thing at all. Yes. Yes. I mean, I think I just want to make sure people understand that aspect, you know? I think, understanding where India is now and also exploring, I mean, thinking a little more seriously about it. Hmm, there's no right or wrong. I mean, again, you know, decide which path makes sense to you, but, make sure you think about it enough. You know, sometimes we might, dismiss that idea immediately, thinking it could be a step backward, or, that this might not be the right time, but, after some time has passed, you can evaluate and make an informed decision. Yes. Then thank you very much. I'm very grateful, Saiti, for both of you dedicating your time and sharing. I didn't want to rush things. I mean, there's a very big emotional component to it.

1:23:09 There are many, you know, things that you have to deal with in the US and how life has changed, and you know, some of the important lessons for people while they're in the US, like with the trust, you know, understanding the healthcare system or, you know, the support you have; But at the same time, you don't want to overload them. You know , these are pretty common things, but, you know, thank you for sharing all of this. And I really appreciate you trying to give voice to your story so that it can be helpful to someone out there, because I think, that's the, I know, best part. And I find it difficult to tell this kind of story, especially in public. And I am truly grateful and thankful that you are willing to share to help others and return the favor , right? I think you received what you've been given on the platform and just want to pass it on, so I really appreciate it.

1:24:05 Yes, thank you for the opportunity, yes. Yes, whenever you want.