Watch: Why Are People Leaving Canada? Reverse Immigration Back to India
Why NRIs leave Canada for India: healthcare / housing cost gap, CRA residency risk, career pipeline reality, and how the cost-of-living gap changes the return decision.
The full write-up, with the numbers and the links.
Chapters
- 0:00 <Untitled Chapter 1>
- 1:20 Background and reasons to go to Canada
- 3:00 High level Reasons to move back to India
- 6:15 Housing crisis in Canada
- 15:23 Medical system crisis in Canada
- 16:27 Infrastructure and public transportation
- 23:17 Monopoly and inflation in Canada
- 26:15 Medical system in Canada
- 33:45 Kids school in Canada
- 39:21 Travel and Weather in Canada
- 51:10 Planning of the actual move
- 56:31 Career transition
- 56:53 Financial planning
- 1:02:22 Life in India
- 1:06:20 Kids education in India
- 1:08:45 Advice for future aspirant
Transcript
Auto-generated captions, lightly cleaned
0:03 And again how the problems comes because of that immigration they bring there was only 10 jobs five banks 10 grocery stores and you bring 300,000 400,000 just a students every year and overall number each year you're bringing 1.2 1.3 1.4 million people and you say you need immigration for what hello everyone welcome to another episode of Dy return today we have Santos as our guest Santos lived in Canada for seven years before deciding to move back to India he has been living in India for almost an year and I know a lot of our audience have been asking for guests who have lived in Canada so we have reached out and thank you very much Santos for willing to share your story and for your time today with that welcome Santos to the
1:04 Show hey thank you so much ainash great Santos if you can start with your background what you know your schooling why did you go to Canada and what was the reason why you decided to move back to India I think that would
1:21 Be very helpful so I come from a utar Pradesh lak now right I've done my all schooling and everything from from there only right so I have I didn't came to Canada for yday or anything I came here on a work permit six seven year back and it was it was a very nice Journey initially right at one point of time I remember telling my wife like one day if I don't get my PR I'll broke my passport Pro away and stay here illegal in Canada so you understand how I was involved staying in Canada right and then how dramatically everything's Fed so how that whole sift happens I'll go through with one by one like I have five to six point which I think every
2:22 Immigrants is facing at this point of time but but how that shift happens like so understand that is story starting from broking the passport is staying illegally and then getting the Canadian passport and then not staying in Canada right changing the whole narrative okay so so I would say like before covid things was very good things was like Smooth okay but after the co and it's it was like you can say right so the effect was already happening in last last five to
Read the full transcript (78 more sections)
3:00 Six years but we started to see the dramatically after the co after the covid everything got s everything become like a mess we started feeling like that where we are actually living why actually we are living in this place right what's wrong with this country okay so I'll start like the okay so I I went I went seven year back on a work permit got my PR eventually got my passport right we decide because we want wanted to travel the world right so that's the only reason we took the passport even before taking the passport we was having that clear mindset like now we're done here okay we got passport only like before moving a month or two month ago only but the only reason we took the passport yeah I know a lot of people ask that question like with take the citizenship and all out it's it's completely on you citizenship is not going to give you like a like something like you'll be you going to land on Mars okay just just clear that
4:02 Yes there are certain 160 170 countries where you can go Visa free okay so if your intention is to travel the world right and if your intention is like okay might be after 20 year 30 year India will be not great okay might be sometimes like what happened 200 year ago right like like the white people came and they they took over right like we all know that story might be something could happen I don't know I feel like personally if you ask me India is going to get better in next 100 years in next one century at least and Canada is going to get worst and worst and worst right starting from today whatever it is if people say okay this is going to get better I I I don't believe on that narrative this is going to be get worst so I came on a work permit got my PR we took passport the only reason was for passport is to travel the world we love to traveling the world we have traveled a lot of places in the world and then somewhere was in my mind like
5:02 Might be sometime in future he wanted to move in us now we are clear we don't right but those was the thought process behind why we took the passport and trust me like this is the% of immigrants who is in Canada and who is thinking to relocate or who relocated they took the passport only for these reasons either for travel okay or for like some time to move in the US and these all is the narratives how the narratives start it's the same narrative what we have do you know right the people from Punjab and Gujarat they come in a bulk in Canada bulk right so we go in subji Mandi in India you find the sub vegetables in bulk right that's how the people get exported here okay those things are part of narratives that narrative driven like okay we have to come in the bul okay same things happens when we are taking the basts now everyone has that narrative okay we will might be move us because things are not
6:03 Working here so that is the only reason I that's it now talking about what is the worst in Canada five to six points which is like cannot be get better there
6:17 At all ever okay the first thing is the housing cost okay living in Canada is like you're living on Mars okay it is that costly okay yeah I I can buy that people say it's costly in Bombay as well it's costly in Delhi as well good G okay I get it it's not like that I'm saying everything is cheap in India okay but it is for everyone if you are a person who's working in someone's house and cleaning the dises you can still stay on a rent for 2,000 Rupees right there are people who comes in our house they're living in 2,000 Rupees right if you are luxurious you can stay in 3.5 crores apartment as well in gar okay there are different different peoples in different different slabs of working and they are have their lifestyle based on that in Canada it doesn't work that way
7:17 And that is what people doesn't understand in Canada things are not meant for everyone okay there are minimum wage have been set okay and that minimum wage okay it's from outside it looks great okay we have a minimum wage salary and we can just just have fun with that right but that minimum wage is not even sufficient to run your like rent cost okay and how many people are working on great jobs like we will work we'll talk on that right the only it and couple Fields guys who is just having like a a great exposure and good money even they are struggling I was in it okay got transferred by a company came to Canada right as I told that already and then everything was like taken care by the company from first day and I worked in that same company like until I left right so it's not like that everyone has working on just in the minimum paycheck is having a struggle
8:17 Even high pay checks is having a struggle but let's go back on the on the initial right so with your basic pay which is $16 15.50 something right you literally can't afford a rent and how the situation got change so your minimum wage was around 12 to 13 I don't know exact number but it was 12 to 13 between 2013 or 2012 or 14 okay now it's $3.50 out okay if it is calculate from TR at that time your rent was 500 7001 bedroom okay now for one bedroom in a shitty City like I'm talking about like like which which people doesn't even want it to come in last 7 10 years people no one wants like okay that is the ghost town I'm not going there that place is like 2200 to 2500 W so if you calculate your minimum wage 15 by 16 by 40 and then 16 by 160 like that is the
9:21 Way you work right for 40 hour a week and then 160 hour a a month it's not even covering your rent and what was happening in past and what is the different in Canada now that is the biggest problem of the people's remigrant right earlier in even minimum wage you can survive you can buy food for your family right even as a student you can still feel that you are doing better than India right because you are making minimum ways things was cheap things was not this costly like what what God explode right and why that happen I'll tell you those reasons that's well right and then now it's it's like in that minimum wage you can't even survive housing prices like people I know that right I personally know the people who came was working in minimum ways and didn't even have like a proper documentation like $8 $9 now they are
10:24 Multi-millionaire they was able to buy their first home in within one year now you forget about buying a home in country just just forget about that people comes in Canada for a better life right and when you when ask about the better life what is the three necessary things good schooling for kids a house which you can where you can live happily and a car right for your necessary things okay but because the things are so manipulated here it's just like everything vanished in a matter of 7 to 8 years as I gave you example you can survive in in the minimum ways now the minimum Way Gone $3 up but forget about survival now you can't even like eat properly and that money is staying about the rent and and it's it's it's very hard now okay giving another example earlier not a lot D is worth the the the trudo government okay I don't know how they have calculated
11:26 Their immigration policy it would completely wrong it went completely wrong okay they they like it it was like I'm telling you like that country is still sitting on a bong it's going to blast at some point of time because things are getting bad there one day by day okay they bring so many immigrants they don't have place to live and not just that they don't even have a minimum pay job available now anymore if there is one LCBO or 10 Tim hton job is available trust me there is 500,000 people on Q like from last 8 Hour 9 hour just standing in the queue to get a minimum wage up because those guys came as their students and now they have no choice because they spend 30 to 40 lakh for their parents money on that narrative right which was keep working from long long time right they came here now now
12:27 They think like how should we go back it's just it's it's unbelievable right the way they have got stuck on something going out and telling what what you going to tell to your parents like oh I lost the 40 lakh just in a matter of time and some people's that 40 lakh is like might be and and everyone is Punjab is not rich right like they sell their houses they sell their lands in order to come to Canada because they thinks okay 10 years before one of my never went in Canada and he was just driving truck and now he owns Five houses there okay his kids are enjoying that's okay guys in a decade things gets changed and Canada is completely changed now you forget about buying 10 house you can't even afford one house in next next 10 years you do what and uncertainty okay so the first Point housing price is like like hell okay it's it's it's not manageable okay and because housing price went up and who did that all the
13:29 Thees okay whoever is want to abuse me abuse me okay only theyy people who actually did this whole mess we went to buying from one to two two to three 3 to four 5 to six I know people who has 10 houses what do you do work in Factory how because they found a loophole in the system right and there was only number of supplies like there was 100 homes available and you bring 2,000 people in country now and that 100 home is already on by only 10 people they will create a manipul right they they going to do whatever they wanted to do so that's what they did now what those days sees people has done okay my basement has now two apartments okay you might be don't know what is a basement but basement is like in Canada where you don't even get a son okay in a basement I have two apartment one apartment I'll put five student another I'll put five student I'm charging 500 600 for each stupid beds right so same hope same
14:30 Basement if you was renting seven years back should be like 1100 or that is also I'm talking about like a lot right like 700 to 900 now the same basement 10 students are staying because of that blast which happened for immigration 10 students are staying and each one is paying 500 so he's making 5,000 just from basement why don't he go and buy another one because he thinks like this is a business for him right and and government they let it burn they just let it burn so they bring so much immigrants that was the biggest problem okay how things were started right so the first point which I told housing right that is that is because of the immigration it created a change right second change started in medical man man you need if you have a
15:27 Like heart attack right and you have to call 9911 okay 911 will be here fast I had the issues with me like because of the whole situation we went in depression anxiety and everything so if you go to the hospital right if you go to the hospital there are peoples are in queue like 24 hours 36 hours even you you can read the news on the on the Google where they closed emergency right so it means they have that much people in the queue they closed the emergency and told please look at some other hospitals and we will reopen it after 36 hour because of the number of people so this whole problem started with immigration they actually didn't calculated how much people they are bringing in country okay and this country is is a very in a land it's it's the second
16:29 Largest company in the world but on the infrastructure it's like this it's like this so when I say infrastructure it doesn't even have infrastructure in the whole country what we have in Delhi they don't even have one M they don't have one bullet okay they don't even have one public transportation it's like so and when these things happen right you feel it every day so I I'll another example how this country is manip so because they don't have a public infrastructure right they never created they never put it even money on on public infrastructure okay so what they have done because they didn't spend any money on public infrastructure now you are forced to buy a car yeah okay you buy a car there are 13% HST on a car so giving example you buy $30,000 car okay
17:31 There is around $4,000 tax on that c okay so you pay $30,000 for your car plus $4,000 for your tax okay now you as a immigration abinas also came now back to the country Santos was here for five years now he wanted to sell his car okay look at that how mess this whole taxes and how they're forcing people to pay the taxes and how they're making people to become a slave okay that is the whole Target of the Canon how to make you slave okay that's it and I'll give you the all six example which will connect with that so now you bought a bought a car from Santos okay and that car value is around 10,000 okay you bought that car you still going to pay the government another 133% tax on that which is 1300 okay so it's not like that that car was 30,000 was already paid right on tax on 30,000 SOS already paid initially no if AAS is poor and he
18:34 Wanted to buy or he's a new immigrant and he's struggling to pay his bills is but because he can't use the public transportation because of the cold weather like when you have the snow till your knee how you going to walk with your kid there it's impossible so you have been forced because of infrastructure because of WEA there's no public transport and there is something called Go Transit and that go Transit also doesn't go over 100 kilm anywhere in G okay so if you have to find like go transit 100 kilom from any around South north east west you literally not going to have like like so if you have to go from Toronto and talking about like the mid of Toronto okay which is Union Station people who lives in Canada they know from Union Station if you have to go anywhere 100 kilm 100 K you need at least 3 to 4 hour with the go transit with Go Transit because you have first thing you don't have that frequent
19:34 Connectivity available right and you can't literally like reach there easily because of the slowness of the traffic it's traffic is good like what I mean like because of the how slow the the services Dev right some places it even doesn't go okay and some places you might be get one you reach there and then next one you need like 2 hour waight okay so public transportation is completely sh that was my third point right like the how the public transportation is like very bad here but because that public transportation is bad how they're bringing the manip in this country is now AAS is forced to buy a car okay now you have to buy a car and you have to pay the taxes again and chain goes right might be third one buy the same from you another like very very poor students came and he wanted to do a Uber delivery or something right now he has no choice he might be go and buy from you for $7,000 okay and then he pays the taxes on top of that so every
20:36 Time that gets sold 30% tax 133% tax will be keep adding that right and you have no choice so you can say like no I don't want to buy this because you have you need a public you you you need a car right because there's no public transportation and whether it sucks here like when you have in April also when you have min-2 minus 5 temperature it how you going to even walk outside man when airs comes right like we me and my wife in initially G we didn't have car and we used to go and take a grocery and wait for the bus we thinks like man this is going to kill us in next one minute we have two baggage in our hand airs are like minus 20 temperature air is hitting in your ears and nose and eyes and you're like freezing like anything like you're in C right think about the our army guys who is in cin right and think about staying in Canada okay you are waiting for bus and what if bus 20 minute delay it happens even in small cities like it got stuck somewhere might be break down or something and even 5 to
21:38 10 minute also delay can kill you it is that bad and the bus station is not like that from here and then groceries here no you have to walk there is a plaza right so you have to walk and that walk itself is like a a dead things like you'll feel like so so you forc to buy the things here right so public transportation Shucks right you have to buy a car there is no choice you can avoid it right because of weather and things okay same thing goes with housing because it is it is that hard to stay in this country on a rental right because of the laws and everything the the the mortgage cost is that High house prices is that high you have to rent right and when you rent every year might be so suppose you are a honor right I rented a house from you next year you come and say sorry man I wanted to sell my house okay now your kids are going in a school okay your wife might be found a job near to that you might be found
22:39 Somewhere to start traveling for your job and then suddenly everything change yeah and the moment you move to the next house it's not going to be like you're going to pay the same rent because things are moving so fast with the housing cost the rental is moving so fast the moment you move in the next one might be your bill is another $500 and when you are struggling for every dollar every day how you can pay $500 right so that is that is how the this this whole things is manipulated talking about grocery okay we went to us
23:17 Let's talk about grocy and banking right the how the problem is here this is the whole thing okay then you can ask what next you want in if you go in us right you'll find like thousands and thousands of grocery stores okay the small grocery store big grocery store like Walmart cost but there are thousands small as well like in India we have gup G's shop in downstairs right might be some Tamil Nadu guys is putting a Dosa in a small a small taor or something right like so multiple options are there in Canada you name it might be five to six grocery Brands who is just controlling the whole country for the food in Canada only five bank man can you believe this only five banks who is controlling the whole economy so whatever they want to do they can just do it by the way they want to do right they want to keep pushing the people to
24:18 Giving the mortgage so housing can go up it's benefit for them right because they are the one who is G who is owning the chunk of the housing price right in us at the same time which is just across the border we have 3600 B in us okay your being just came from ucfc like a lot of time man small small ATMs small small Banking and everyone gets supported so what happens right that this is where the basic problems starts man the basic people want doesn't want competition for themselves they want competition within the company so they can get benefited right the grocery will be compeed you will be getting benefit the banking will be the the banking system will be will be like in competition you will get benefit because they will pass you the discount right they will they will pass you the free accounts for three year four year five year something like that right but what is happening in Canada it's all because of that five to six
25:20 Companies five to six Banks who just on everything it's not letting us to even survive here okay so you understand right when someone in if if one person in the house become a king right and he just start controlling you understand how suffocated that house will become similarly the gamp there is to environment to yeah that that environment right where you can grow is not happening whatever these companies wants they are just running based on their yeah okay so I forgot that my medical things right when I was talking about I I went on different Road so so you understand so whole point about the manipulation right how the manipulation happening either in car okay because you'll be forced to do that go in the medical system they say it's completely free but it's worst worst worst medical system you can ever see
26:15 Okay you need surgery wait for two years your knee is broken okay so take example right you are working here you bought a million dollar house there is nothing available less than million okay forget about that and millions is like you're paying the whole life two people is working you can pay your million dollar mortgage and again if things goes well I'm coming on that as well because things are so uncertain here it can't go well okay so if you bought a million dollar house right and now you broke your knee somehow because you fall in the snow something happens right and you have to wait for two years for your surgery M okay you have to wait two years for your surgery in that case who's going to take care for the twoyear your mortgage now you can't go office okay and everyone is not in ID okay I wanted to keep that point so people can understand that there are so many people
27:15 I know who's traveling everyday 100 kilometer for jobs okay driving taking the different cars or some guys are using six for public transportation somehow they're managing 6 Hour 3 hour going 3 hour coming but not everyone is an IT who will get the work from home things okay so clear that one thing here with so if you are now two year you have to wait for your new knee surgery right then who is going to take care for your things okay and things are here so uncertain so uncertain like talking about now the four point which I was talking I'll connect it here which is the job market stores and you bring 300, 400,000 just students every year and overall number each year you're bringing 1.2 1.3 1.4 million people and you say you need immigration for
28:16 What yeah for what I was working for a bank there we had one application we send and there was 177,000 people applied on LinkedIn for one job what kind of immigration system it is when they initially promis immigration system they told there will be a job for you there will be a medical system for you there will be a health there will be health care for you there will be a good schooling for your kids and there will be housing for you that's how they was calculating okay if they are bringing four people they will bring build at least one house okay but they forget those things they stop building houses okay the city which I was living right I don't want to tell the name it's just 80 kilm from from the Toronto it has only one Hospital which was created in that name is Royal Victoria Hospital okay you can search it you'll find the my city in as well Royal Victoria Hospital which was created in 1960
29:19 1975 when the population of city was not even 50,000 okay dramatically in 6 to seven years population for that City grown over 300 to 400,000 we have still that one Hospital right so think about that how the problem has been created they didn't build infrastructure they didn't build hospital they didn't build any good poolings right and they didn't try to improve the matros public transportation nothing the only thing they did bring the a lot of students lot of immigration so we can keep creating the problem okay so and the funny part is now go back to your knee surgery the funny part is man when you ask so everything here right everything in Canada is only one solution going on Indian in Toronto group okay there's a group called iig which is Indian in Tonto with there 200 300,000 people and that is the funny
30:20 Part which me and my wife like always laugh anything to happen to you you have miscarriage okay your knee got broken you have a dental issue you have a housing problem you have a flight ticket issue you have any small or any big the only solution people has in Canada is Indian in Toronto okay go there and you will be find a solution there and I'll tell you that so today if I post something on there right I broke my knee and doctor gave me twoyear appointment there will be 300,000 comments will be coming down okay and each comment will be that's a fun part okay take next flight go to India take next flight go to India take next flight go to India for your dental treatment you have to go to India because for one root Canon one root Cannon it's $600 but putting the cap on that okay $3,000 so 3600 people says man you will meet your family in that 3600 and your
31:23 Whole teeth will be get done in 50,000 Rupees and best root canal best Crown you can get it right so 3,000 you can spend for your family and your tickets so the see the funny part is we are paying taxes here for 30 plus 133% on everything okay so 30 to 32% goes on your straight on your income then 133% so you are paying 50 to 55% of your income just in taxes okay and for every the answer is go to India what is the it is and it was blowing our mind every morning when we wake up like what's actually going on here why every solution is just go to India dental treatment India knee surgery India you broken your hand you burn yourself your wife is having a pregnancy issue there is nothing available 3 three4 in your man nothing if you have to go for a paternity treatment or
32:24 Something like that four year wait by the time there is a fun going on this there was a guy who was I don't know it was a black guy who was like a comedian right and he was telling one day so I went to apply a family doctor the people who lives in Canada they should know what is the family doctor he like they you need a family doctor the family doctor is nothing is like a j chop in in our village okay who has no degree nothing he just has a license from Canada and he will not even write a medicines for you okay he will go by book everything buy book whatever book has says he will just follow that you are having a cancer but his book says no you are having a teeth pain he will go for the teeth pin simple okay so he was telling them that one like I applied for a family doctor and the family doctor told six year waiting I thought why should not I get a license within the six year and I became a doctor until I get there right so so that's how the
33:26 Problem is like on the route here okay so housing is the problem as I told you explained you very well the public transportation is I told you how the problem is medical system is fed in kids schools let's talk about the PO kids is school in
33:47 India I I agree there is a gender equality there could be lesbian there could be a gay it's okay it's great that we should accept every genders right but you shouldn't teach my kid how to use certain equipment just for like in schooling right you shouldn't give them a knowledge like in India we used to teach our kids ramayana about SAA about Ram about our culture right here kids get teaching something else how to respect the drug so so this is a country just one more thing right just got remind me this country gives you ad on Spotify or anywhere you go right how to talk to your kid about cannibus think about that okay in India we do that gutka tamaku but we never say that how to talk to your kid about the gutka in Canada it says how to talk to your kid
34:47 About the cannibal how much quantity you should take for cannibus you and cannibus is a like a drug okay like we have what is the name in like in India what kind of drugs is there might be people can relate with that right who doesn't know what is cannibis what kind of drugs in India available you know any names no not on the top of my head no okay yeah I I think people can correlate I think most of the people on yeah yeah yeah so cannibus is like a drug drug okay like we take ganja ganja is also small things okay bigger than whatever is I I never do that those things so I don't know heroine yeah sorry heroine right right those things are drug so cannabis is actually bigger than heroins and all okay and they are telling you how to talk to your kids and how your kid can take that in small quantity so that will not affect their body understand that and that is a ad they are running because cannibus is a a a store here which is in all over Canada
35:48 Which is legal so you can you don't have to buy a heroin here from a dealer no no no no no you are 18 year old you have your license driving license or any ID which say your 18y old just take go to the cannibus shop they will give you a cannibus that's it so that's how they have created the problem so schooling in schools they teach you these things and there is a lot of other things which we can't say here but the they it's like and they don't even teach anything to your kid man in India kids okay I get it there's a lot of competition but trust me those competition makes you better person in life if you prepare for IIT if you prepare for Medicals that exams are tough agree not everyone can clear aims not everyone can clear I or ispcs but tell me one person who has gone through with that process and he went back to and started taking cannibas no one if you tried for it and you failed even twice or trial you would still land
36:48 Up somewhere in your life man you will not work like a student working here in the grocery store for $16 and you know what kids are doing here man they take potato from one bucket to put it in another bucket tomato from one bucket to another bucket if you have to put the jaru in Walmart okay OA the onions onions peels drops clear that out that's what they're doing here after putting 40 lakhs I don't know if these guys from Punjab and and Gujarat they have been told the reality but if they not they should actually ask their the the whomever they are talking and with whom they getting influenc right I would request to everyone at least go and ask those guys to give you a video call yeah and show what you're are doing when you go finding a job at least ask them how you're finding a job tell me that in India I'll go in no.com and apply there right that is how I'll do that how you find the job in Canada
37:48 People in Bramton which is a hub of Punjab okay because DA's man D's are okay wherever we go we place okay doesn't matter how we do that so minimum W is 15 I will give you job because there is a 5,000 people waiting outside I'll give you job but I'll not pay you minimum I'll pay you in cash for $10 okay you doesn't exist for me there's no insurance for you there is nothing for you I'll manipulate as much as can to you 12 hour work 15 hour month a day work right and I'll pay you only $110 and he has no choices okay so in India education system is hard but it is best here education system sucks it's there's nothing left in this education system which you can say like your kid can become a good person when you start teaching kids about cannibas when you start teaching about kids about
38:49 These nonsense things in in their beginning age they're not going to grown up in the as a better person man trust me okay there is some person might be who exceptional everywhere might be I didn't see anyone who has like done the great great things so far become a lawyer or Doctor Who came from India as a immigrants and and then they be their kids become like that not a such example so far nothing okay fifth thing is weather yeah okay people says so if
39:21 You don't experience these things you might be can't tell people right I'm a travel okay I'm I used to travel in in India like a lot before I went to Canada I went like we went to ladak on bike Manali Simla whole South India right like for the travel whole whole South India right on the travel so I'm a traveler so when I came Canada the same things were like to travel can just to explore yeah now how the problems begins here first thing you are living in Toronto okay and you have to take two days trip in Fall just example and people who are living they can relate trust me they will be laugh in Fall one day staying cost is $400 to $500 okay that can be your whole trip
40:22 Cost for six to seven days in simar Manali if you're staying in a budget things okay you can eat also you can pay like 2,000 Rupees every day and you can stay for 7even days any kind of illustration for a small a small budget okay I'm not talking about luxury trips now if you wanted to travel like from one place to like Toronto to Vancouver either you have flight option now same things comes again here only only few companies are there who's running the flights okay it's not like that in US you have like if you go in us there's like tons of cheap flights available I mean $50 you can travel from Toronto to Vancouver if it is in US same distance right in Canada only Air Canada is there and some local companies some I'm talking about like two to three max you have no choice rather than paying 700 to 600 just from going to
41:24 Toronto to Vancouver to air okay same things comes again right manually they don't have infrastructure for anything okay and they're not letting to build anyone they are not letting to grow anyone okay that's why the problem is in everywhere Healthcare housing Transportation or or in the in your like now in the travel right so we're talking about so so traveling within Canada is so costly you can take multiple trip or actually 10 trips in a one or two cost of Canadian trip to go anywhere outside in Canada and travel okay so traveling so I have traveled across can we drove like everywhere okay and because we was vegetarian so this country is is like dead for vegetarian into one part okay so what is meaning of travel if you like these is small things you doesn't realize until you start missing them
42:24 Okay until it start hurtings you every day what do mean of traveling you ask your wife okay let's go okay you went you went in a good restaurant you eat Foods while you're driving 600 700,000 kilometers you eat something right like like when we go from Manali or similar right we stop on Su Dhaba that's right we stop a lot of haves in in between the roots we stops any daa and have like a nice Dal Roti and and Sai right in Canada the worst part is if you're driving for next five days there's nothing there's no the moment you leave like 100 kilometer of Toronto thousands and thousand kilometers nothing is nothing is there okay and for foods and all there is no restaurants like only thing is available Tim hoton the KFC's right and those fast food kind of things you can't eat that fast food for five days so to go in
43:25 Travel Canada you have to to make like you have to do like cook everything for yourself buy pre-prepared foods which is a again right and then only you can travel and even on the way you have to keep cooking and eating right as the first problem is for we was vegetarian we was having that like lot even on W peoples man you can't eat in KFC every day you can't and again even if you want to eat it the things are so costly things are hell of the costly in the KFC and McDonald's and everywhere for two people if eating the three burgers or something in KFC and MacDonald's it's $50 for three people if you're traveling with husband wife and kid $50 one meal you can't spend because of the other expenses what I told right it is that high of your gas bill your electricity bill your your car insurance which is another crime in Canada okay house insurance everything is that costly you can't even think about spending $50
44:27 Okay so we traveled across c a lot of places like you name it anywhere okay and I can tell you that and everyone in Canada can relate it in Canada only there is two things to do either it's a lake okay anywhere you go you'll find the water okay so whatever you can do in water might be swim right that's also you can't do eight months because 8 months is is completely cold okay so you can't go in water and then Trails so you spend so much money just going on trail and lakes that's it okay so and we did a lot of campings as well right we we we we tried to do everything like to convince ourself Canada is best okay to find something which can motivate a person to stay in gamp yeah but there was nothing there was nothing so even to stay in a forest which is called camping here you have to pay a cost of a hotel in
45:30 India $50 to $60 anyone who is is is knowledgeable can go and check that provincial parks in Ontario and you'll check it there's a $50 to $60 each night to stay in a Provincial Park okay and what you do in Provincial Park nothing just go and put your tent cook whatever you're doing okay and then go and lake and trade Lake and TR L and TR whole country has that only to nothing else okay so you do either water activity something you can do it or you can do a trail okay Trail is like you're burning yourself just to climbing a mountains that's it because they have so much nature reserved that is what they have and you're paying for that as well it's not like that that is free they're charging the maintenance cost there they're paying you're paying for the night things you're paying for the your car parking there entering in Provincial park right so nothing is free there okay same things if you do in can in India right the moment you reach you
46:30 Might be get rasul to eat garam Samos to eat right you can eat whatever you want to eat right your veg your non W every options is available for you okay Plus in traveling it's different experience in India man it's not just like every part you go right if you go south you will feel that South flavors you will eat dosa you will eat idly you will find the different different kind of resturants which has the South Indian food if you go to the Kolkata side ding side you'll find a different Nepali taste that that side right which is like is is a great food if you come to north side you'll find the North in Canada just at KFC just a McDonald just just the team hon that's it yeah right so and the sixth one is weather I have already told you six the weather is is like everyone know that I don't think that need a lot of explanation the the only thing we can say the first snow comes somewhere in October or November and the
47:32 Last comes in May so you can calculate October November December January February March April 8 month you can't do literally anything here okay nothing and in Canada right the one one last thing I wanted to tell you like you forget about your life you only live here for the bills it's a country to make you slaps as much as they can they will make you SL so I used to tell this one thing my wife I just wanted to quote it here as well in past right when they bring the slaves these these peoples like whoever was bringing slaves from any country like from Jamaica Caribbeans India anywhere slaves was going to the bigger countries like UK or all they used to pay slaves okay like you come here you work for us we will pay you okay and then you send that money to your family in India and all and we will give you Foods as well everything now that is a reverse in G you come as a slave here but you pay
48:35 The country okay you pay the education fees then you pay for your PR you pay for your passports right then if you pay for the taxes in your houses like there is a lot of things like if we go in the detailing right how the house buying is we have done these whole things okay we have bought a house we have sold a house we have done everything so no one can say that okay this is the one thing you missed it that's why you are saying this okay no we have done that okay how the housing things works here we know that how the Medicals work we know that how the taxes is on housing is imposed how the like I give you the car examples right similarly there is a large example how the housing things work okay people thinks house is very beneficial here it was beneficial 7 years before anyone who is coming now you cannot settle in Canada if you're not bringing bringing 3 to four cres from India simple as it te if you're bringing bulk money this country is for you good come here bought a house okay and again if you don't have
49:36 Family sickness if you don't want to like miss your culture if you don't want to if you are like okay whatever happens in medical I'll go to India as the same example in Indian and Toronto dental pain I'll go to India a knee issue I'll go to India any big issue I'll go to India right so these These are the points which which is actually never going to improve never yeah neither today neither tomorrow neither in coming 2020 people say okay new governments come things with Vis nothing is okay no yeah thanks for sharing such a detailed honest and you know very passionate I feel like you really feel for these things right I mean so thank you very much for sharing all the things know that you saw and what made you to decide to move back to India thank you for that so maybe I think a few things along the way I
50:37 Know I think you know we typically have these episodes for like 30 to 40 minutes I think we might have already passed the time but I wanted to a conversation I think maybe we might release as a two parts or something like that we'll see but I wanted to capture you know lot of this good information so you have decided to move back to India and after you got your your citizenship you packed and then you moved moved back to India so was there any like a planning time that you have spent in terms of the decision to actual move so see here is man' right so moving
51:10 India was started immediately after Co we was like we was suffering every day okay we were suffering every day because we know that things are not working here okay everyday Rising interest was killing everyone everyone in they can feel that pain okay the interest rate went from 1 to 7 like in in in fraction of six 6 month okay so how it is how hard it was like so if your mortgage is500 you're paying your mortgage for house 1500 it went 6,000 okay it D dramatically and it was not a fixed interest it was not a so so that's again a problem okay let's because we doing this I wanted to talk in another five minute okay I told right the housing is the biggest thing which I can talk like another hour and in detailing okay but we short of time we'll short so in if you go in us right this is the difference how a country going back to the same example because this country run by the five banks yeah right and
52:10 Everything is manipulated so badly every five year you have to renew your mortgage here got it either you're fix or you're a variable if you're a fix then five year you're okay okay but here all the gurus who is setting there are all the's realator they will never advise you to buy fix okay because that's how they manipulate you okay there's a lot of other theories in that it's long discussion about the whole housing right and when you buy variable it's completely uncertain from 1% to 6% in six month how is you going to run it like and you see the people are struggling people are not telling it but trust me people have lost tons of tons money people are struggling day by day to to survive okay so because from, 1500 to 6,000 your salary is not increasing 500 a month how you going to run So eventually people go on bankrupts and and give it to the right and take it and then then move leave the can this is happening this is a chain created now okay people are just giving
53:12 The house and going back okay because now most of the people has lost that hope also like things can be get better yeah okay might be housing price will be go up people are like no no no this is so manipulated might be it is get worse from here for me there is nothing left let's let's leave it right so in us if you buy a house today next 30 year you don't have to think anything 30 year fix mortgage yeah okay you locked today next third year you have to only think about increasing your salary little bit little bit so you can pay your mortgages right here every five year you have a like talwar on your or neck like every five year if you don't have job at that time how are you going to get a renewal how you going to switch the bank right so and and the job market as I told right it bad so finding a job to pay your a million dollar mortgage is not available
54:13 Yeah okay anything which is 100 to 150k 100 to 60k 100K jobs also is very less very L okay so how you going to pay your million dollar mortgage if two person is working you you put it everything together and told okay now this is my 10,000 monthly salary is going to come and I'll paying 8,000 mortgage and then 2,000 will run all the expenses okay that is the mathematically fit but what if one guy lose the job with that then you left end up with the same things what people is doing right like just just give up your house and and run away from the country yeah right so that's how it is like the manipulation is right so it's a fiveyear variable so going back to your question so yeah this is how the whole small small thing said then then couple of time I had like a medical issues emergencies I went in emergency quickly when when one day I had call 911 okay I was having a very high anxiety I went to the I call 911
55:13 They came they did do some test St everything on my chest and everything I was having pain here I went on the emergency queue right like the 911 emergency not normal emergency queue which is like a highest PR one okay 3 hour in the queue 3 hour in the queue and after 3 hour a guy started coming from there and keep asking everyone okay how rate yourself from 1 to 10 rate yourself 1 to 10 rate yourself 1 to 10 okay and when I said okay I'm feeling like six and seven because that anxiety was after seeing a lot of peoples and everything right that pain and anxiety was gone away so he told okay if that is the case then you should go in the normal queue because this que is 12 hour waiting okay so those small small things and then traveling as I told we travel across Canada and then we realize okay this is not for us this we are not eating anything wedge options are not available things are so costly you can't even stay in the hotels right like
56:13 You have to stay within your car if you're going on traveling long places right so those small small things right which created the a chain process and then then things got worst yeah so maybe just curious on a career transition did you actually move within
56:32 Your company or was it internal transfer or did you leave that yeah I I took internal transfer okay internal transfer that's great and then in terms of the financial planning I know there are some of these questions related to the Pension funds some of these things so anything that you can share like as an insights from your anything which is CPP is gone forget about that
56:53 It's done okay might be after 60 years you get get something $10 $155 however CPP you contributed and how many years you moving anything EI is gone okay RSP you can do one thing just just withdraw in next two year when you're not working in Canada okay that's registered D plan do not re do not withdraw the same year you're moving because you have taxable income already in Canada next two year if you have a spousal RSP your RSP next two years is withdraw it a small small amount so you pay less taxes and then move that way okay and if you're selling a house right most of people I know like who was who has some equities in the house and they're selling and then planning to move use remly use other sources to move your money to India put it in NRE account okay which is a good source of income for you to stay in India so example if you have two cres in account right if someone has bought a house I I hope they should have two cres that's why I took
57:55 That example to CR put it in any Bank in India 7 to 8% interest rate is in NR Account Tax Free so it means even if your wife is not working that is like 16 lakh a year right 16 lakh a year which you are making without doing anything and that is a taxfree if you your salary is 16 lakh in any company like stb Pro TCS any any good it companies right in India 16 to 20 lakh your in hand will be 12 lakh okay or 11 lakh after all the deduction and everything but here you're making everything tax free put it everything in an account like that's what I'm giving a simple simple advice right if people has like to run the business they do everything like I'm talking about how to live the just a simple City Life okay so even if you lose your job you have that 16 lakh backup which is 1.5 lak and believe me you are in India everyone who is in India can agreed with
58:57 This 1.5 lak is a great money to live in even if in Gau you buy you rented like two cres flat the rent is around 55 to 60,000 okay you buy a great car will be around 50,000 okay and then tell me how much money you need for your school's kids and for your food if you send your kids in a good school is 20,000 okay 40,000 is more than sufficient because you're going to eat same ATA same rice okay an is Asad here also there also here it's a $25 plus taxes there it's a 500 rupees right so any anything is like differences only might be in your medical things which is already worst here right in Canada medical is like you might be get they bit costly if something goes wrong to you okay rest of
59:58 The things is much easier in that 1.5 lak okay so if you want to Simply City Life and then you're going to work as well right you're not not going to sit and just like okay I have not to CR I'm just sitting okay you're going to work as well so in that much money we can like have a two servants okay we can have a whole things without with whole my monthly expenses without any chance right so in terms of if you're planning your financial things if you're selling your house put it in N account if you not have a bigger plan to put it in stocks and all and just want a sustainable income then that is the that is the best way sure I think there are two points that you touched I think especially when after moving back to India someone could qualify for R status if they're outside India for certain period of time it could be one year two years depending on how long they leave so where you don't have to pay taxes for the income for the global income that's outside so I think the money that you mentioned about withdrawing so you don't
1:01:00 Have to pay taxes in Canada which is limited and also maybe in India I think from account my understanding is that after you've been a resident of India you might have to convert that but again I think I would advise people to do do their own due diligence and yeah you find your own due intelligence right you want to do that you doesn't want to do that you want to still keep it right there are I I know a lot of people who moved here never converted their resident accounts to the nro account okay that is a compuls right you have to do that but that's that's totally on you you find your way like what is to do might be it says like you have to stay in India and then cross the country might be just cross somewhere and if you want to keep your n status or act right like that's that's your full choice you find a way how to do that okay cool so how has the life been in India so I know you kind of touched a little bit about some of the challenges in Canada you know the reasons why you wanted to move back to India for someone
1:02:01 Who was very determined to be in Canada to want to move out of it after seeing after going through a lot of these things or changes how has the life been to your expectations and would you would would you be open to live in another country like you know like us or some other places you know not like Canada but I don't want to go any Western countries anymore man okay
1:02:24 That's the question see when you expectation wise it won't be like the great great great okay like you can't say you'll be like start smiling on first day okay it never happens and it didn't happen anyway okay but based on your priority staying closer to parents okay staying closer to your brother okay whom you love a lot and you're you staying in Canada like because of the flights and and everything is that costly you can't even think about meeting your parents so one day we were sitting there and we was talking about right and I was telling my wife like if suppose our parents leave another 20 years we visit every two year or three years that is what our budget allows okay how many times we going to see them and in that that that 15 days or 20 days we get a holiday we stay how much time like might be five days I stay with my in-laws five days I stay with my parents so five days only in one minute
1:03:26 Okay how many time I'm going to see them if I go two years one 10 time in my whole life yeah isn't that's bad very right so those things give you satisfaction right can be closer they have a problem you can be with them you have a problem they can be with you yeah right and you will feel the problems it's not like that you'll have a traffic issue because traffic is good there okay if you're traveling from Delhi to G you'll have those challenges okay might be you complain about sometime pollutions okay but compare that right like 12 month you can do anything because of weather you have all the weathers you have cold weather you have summer you have rain you have everything okay you can use the public infrastructure okay it's not great but you can use it you have options still right so you can do that you can go and stay on mountains for month or 6 month to work work from there if your
1:04:26 Companies allow right here in in Canada like those things doesn't exist so life is is completely great in India I would still say everyone who is doing that do your due intelligence okay what is best for you do that what is best for you based on my experience you won't feel great on the first day you will miss might be in for okay this was great this was great this was good but eventually you'll start liking and you'll like it much much better and you will be feel better okay now things are much better for me and I don't have to think about anything outside we was thinking about moving Dubai and all that's might be in future we don't know and the only reason Dubai is because it's a 3 hour from from my hometowns right we can get direct flight from lnno to the place and then good salary and there is a good value for Canadians and all that's what I heard in narrative I sto Believing on narratives okay because that narrative just Shak it just it just a completely wrong narrative and that's
1:05:27 Narrative only like man when you go in a flight from India to Canada right you won't see any white people there only students are coming in bulk or old Punjabi peoples are coming in bulk right so and because of that flight cost has become like three three time four time right so I sto giving the on the narratives and now I I focus what is better for us we will see in fure future if things get work out work out we will move there if we get some jobs or something if not then no I don't think so we can go anywhere else anything that you want to touch based on the kids education in India like I don't know how old your kids are how well they adjusted I don't know maybe anything that you wanted to share on that perspective it will create problem for you for sure if they have been live here for five to 10
1:06:20 Years okay not my experience but I know my friends friends experience and everything okay they will create a problem because they are not used to do the homeworks they are not used to get punished for something they have not done because here they don't even touch you okay they don't do anything right they will politely talk to you you're not you did zero they will call your parents hand over the report that's it take care of your kids okay so kids might be not liking but talking about the kids future they like or they don't like that's that's a different story it is better for them okay at any any point right like yeah whatever if you that's why I say suest people right that's why keep that option open if you have reached that point where you can get a passport or you have a passport keep that option open might be after 12th or after going in engineering could you want to do Ms right and he wants to come to the
1:07:20 US I don't know how it's going to be easy for them I don't know like if if as a Canadian if your kid is doing Ms in in like we know right we have to get H1B and study visa and everything in in us from India I don't know how it works I have not gone through in that detailing but if that things are good and that can give you a option to your kid to move then why not just take it cool is there any topic or anything that we haven't covered that you want to bring up and share with the future aspirants I think we did covered a lot of things I I wanted to talk to about the great details in housing might be some other time in it in a one detailing video def about the housing in detail right how the housing can suffer you in can because that is very important topic a lot of people is suffering because of that yeah I think we definitely bring it up I'm sure there will be a lot of people who might be interested or who might relate to that who are going through that and this is a common them
1:08:22 That I heard from people who have been living in Canada right the ation you know whether it's the housing whether it's the food prices all this stuff medical system weather you know some of the things that you touch these are the common things that people everybody experience in in their lifetime in Canada cool any other advice for the future aspirant from your perspective I don't want to give a
1:08:46 Advice man to anyone but I would say for the students for sure okay please note this before you spend money on your parents pocket okay please make sure you talk to those guys who went in last two to three years ask them what they are doing if they say their life is great ask them to show you there okay what you are doing in dayto day when you say I'm I'm working in Walmart don't say that I'm working in Walmart ask him what you do in W are you cleaning potatoes are you cleaning tomatoes are you doing a packing which we do in the grocery stores in India like a for Fortune shops what you actually doing you're delivering a you're running a uber what actually you're doing in India so ask that question when you go when you're going from India to G okay this is this is a best advice for students I I'm not
1:09:47 Going to talk about anything professional guys you choose you you know everything the students needed this because they are the one we was literally crying seeing them we go to the grocery so we see like oh I was I was like my papa's p in my back home and now I'm like I don't know what I'm doing here okay and not eating all days just working 12 hour SS right so find the reality guys find the reality you want to just come for here for PR and just for your like running the any kind of slave jobs welcome not a problem you're coming here for education that is that is done there is no education in Canada what what who told you there is education in Canada you're not coming for doctors 99% students come for one year degree or or twoe degree what degree it is nothing it's just for a work permit and then for p if that is the goal great if your goal is for Education choose something better okay
1:10:49 Mightbe you not reach there mightbe you try us for good colleges and you don't get it that's okay stay in India why you want to spend 40 lakh on your parents money and then go in a depression and do the suicides did you saw how many suicide rates has been gone up in Canada it's like a hell man and sending a body from Canada to India is $80,000 how your parents is going to bring another 80,000 for you why you creating those all mess for yourself stay there try to find other countries where it is better otherwise there is opportunities in India and if you keep doing something right you will find it someone like me from Hindi background we achieve so many things why you can't okay coming Canada is not a solution until and unless you are 100% sure write down in a notepad and say this is what I'm going to achieve in Canada so if your Sol your answer is my only thing wanted to achieve in Canada is PR then follow any path you get in go College marry with someone fake
1:11:51 Marriages whatever you want to do like get adopted with the marry with with the DC whatever you want to do do it okay you will reach eventually Canada and your goal will be if your goal is different I want a better life ask your question question mark how that better life is going to be achieved okay if your question is I want a great Healthcare I want a great housing I want a Fortuner sorry Pa or something else how ask that question to yourself don't say that okay my friend went 10 years ago and he bought it no who went now in last one to two years call them ask them what you're doing ask them where you're living actually show me where you're living after seeing their beds where they are leaving you will say no that's it done I'll send you a couple of picture I think I should have I went on a students Rental place on the floor three small mattresses small like like a in Hindi we call G okay I
1:12:52 Don't know what is called it's small mattresses three in one bed and they they have only this much space from each bed just we go sit on their bed and that's it couple of books this side couple of because these guys are not even getting time to sleep on that yeah they're just going running Ubers running 24 hours work and then coming back sleeping there as much they can and they hardly even see each other's face those three guys are staying in the same room might be one is working in night shft and other work in afternoon s and working is morning s okay so ask that question guys students please please if you are coming after 12th year in this country there's nothing left for you here ask that question to your friends whoever is giving that narrative to you ask them to show you the reality that is a very important things not to show you CN Tower not to show you downtown Toronto that is you don't even go one day there man we went once C Tower that's it no one goes C Tower after that I know that from Far downtown pictures
1:13:54 Looks great but how many times you go in once in a life yeah so ask that question write it down on a notepad once your answer is clear then only choose okay that's a good advice I think especially for the people who are moving now so yeah thanks a lot Santos really appreciate your honest very passionate you know discussion today and sharing your journey and your insights and and what you have experienced and sharing your thought process with us today so really I just wanted to add here one more thing right see this is might be people is not vocal but this is what every Canadian is facing this time especially the last five to six years immigrants okay 99% are having the same thought process okay people don't speak great but having the same issue because when you get 3,000 messages just on one
1:14:55 Comment and everyone says go to India go to India go to India go to India think about that what's the mindset going on in people's mind man everyone know that this is the yeah it's not going to work out in Canada your hands is broken your leg is broken nothing is going to work out best thing is take a next flight go to India okay okay yeah thanks a lot for your time and sharing your story with us appreciate it okay buddy thank you so much you take care get by thank you all for joining us on this insightful journey of Dy return if you enjoyed this episode and want to explore more stories and expert advice make sure to subscribe and hit the notification Bell don't forget to leave a comment below with your thoughts and experiences by the way check out the links in the description below for our Facebook group and social media for updates and engaging discussions as well as connecting with fellow the wrers thank you once again and until next time may
1:15:57 Your D journey be filled with joy growth and endless possibilities



