How do you invest as a US visa holder

Hear me out, lots and lots of suggestions for how to invest and what to invest in as a US citizen, permanent resident, or a person with an easy path to residency. In this post, I’m purely talking about people who are a US visa work holders with no chance to become permanent resident either by choice or by law. Also, some people just aren’t sure about what do they wanna do in the long term. What is the best investment path for such people to invest and maybe achieve financial independence? Some of the general investment advices are: - max out your 401k: well, for people who are temporary residents - this won’t be the best advice. Having money locked in a third country with god knows what the future holds isn’t the best feeling. - max out your HSA: same as above and I need to look more into this. - invest in stocks: sure, great option. What happens once I leave? I have to pay taxes on dividends, estate tax is at @40% for non-residents (if you don’t know about this, google up. You are up for a surprise), and the last nail in the coffin - a lot of brokerages do not allow people with a non-us address to have an account with them. Sure, I can sell when leaving but then I have to pay taxes on gains. Also, the market can be down for a decade and I might be forced to liquidate without making any profit. Remember Warren grandpa’s famous words? The market can be down for longer than you can remain solvent. 🤷‍♂️ - Investing in real estate is a great option but property management after leaving can be a struggle. Buying property in the west cost is another different ball game all together. This post stems from the below post I saw with some great responses. I just couldn’t relate to many of them. "What percentage of your base salary do you save/invest per month? (Tech Industry)" TLDR; how should people with no definite option or plan to be a US resident invest their 🥜 salary for max return and financial independence. #tech #investments