The International Money Café Show

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Jul 2026

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About the show

Foreign-born US citizens, green card holders (immigrants) in the US, and foreign nationals on temporary non-immigrant US visas face unique financial & US tax compliance challenges as they straddle multiple countries. US expats living abroad face similar challenges, including dealing with US taxes and foreign obligations. In the "The International Money Café Podcast" (A cross-border tax and finance podcast), Jane Mepham, CFP®, and Manasa Nadig, EA, address these unique challenges over a cup of coffee or chai, while also discussing life in the US. Join them as they filter out the noise on cross-border taxes, cross-border finances, and life in the US, and save you hours combing the internet for information relevant to your situation. Jane & Manasa, being foreign-born, can address these issues from a very personal, relatable point of view every other week, as they walk the same journey and pursue their own version of the American dream. The views and opinions are those of the speakers and should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

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July 29, 2026Episode 7533 min

Ep 75: Navigating Cross-Border Finances: A Recap & Season End

We reflect on the journey of the International Money Cafe podcast, summarizing key lessons and themes from the first three seasons. We discuss the evolution of the show, the importance of understanding cross-border finance, and the intersection of immigration and financial planning. We also share exciting plans for season four, including webinars, case studies, and new resources for listeners. Takeaways The podcast has served as a guide for cross-border financial issues. Season one focused on foundational knowledge for new immigrants and expats. The intersection of immigration status and tax obligations is significant. Personal stories enhance the understanding of financial concepts. A lot is coming - Digital resources like checklists, webinars, case studies, etc., to dig deeper into the situations. Audience feedback is essential for shaping future content. A book is in the works to compile valuable insights and frameworks. Chapters 00:00 Season Recap and Highlights 02:52 Exploring Season One: Orientation and Basics 06:00 Diving into Season Two: Planning and Future Considerations 09:09 Reflections on Season Three: Personal Stories and Lessons 11:56 The Intersection of Immigration and Finances 15:06 Tools and Resources: Checklists and Digital Grinds 18:12 Looking Ahead: Season Four and New Initiatives 20:49 Engaging with Our Audience: Feedback and Future Topics 24:01 Closing Thoughts and Gratitude Episode Links and Resources ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

July 15, 2026Episode 7412 min

Ep 74: All About Immigration Status

I n this solo episode, I discuss the critical relationship between immigration status and financial planning. I outline the various immigration statuses, including non-immigrant visas, green card holders, and naturalized citizens, emphasizing the financial implications of each. The conversation highlights the importance of understanding these statuses to avoid costly mistakes and the necessity of consulting professionals for tailored advice. Key Takeaways Your planning needs to take into consideration your immigration status. Your immigration status is not your tax residency status. Each status impacts your finances differently. Work visas are different, and the G4 visa is the most unique You can invest in the country on any visa, but watch out for what happens if you have to leave Leaving the US for extended periods can revoke your green card. Become a student of your immigration status. Talk to a professional before switching. Chapters 00:00 Understanding Immigration Status and Financial Planning 10:00 Navigating Visa Types and Their Implications 10:58 The Importance of Professional Guidance Episode Links and Resources Kitces – Investing Challenges For Work Visa Holders. Ep 67: Visa To Wealth: Brewing Success With H-1B and O-1 Visas EP 52: L-1 Visa - 3 Must-know tips For Foreign Execs Ep 54: Challenges Of "Temporary Permanence" - Leaving The US On A Work Visa ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

July 1, 2026Episode 7315 min

EP 73: Tax Extensions: Your Secret Weapon!

In this, we discuss the benefits of tax extensions and how to file for the extension. They allow you to fix issues, correct errors, obtain missing tax documents, and, if you have overseas filing requirements, file them first. This may allow you to claim foreign tax credits for taxes paid overseas. Extending tax filing does not mean extending the tax-paying deadline if you owe taxes. Episode Links and Resources Ep 40: Avoid These Tax Mistakes With Your Cross-Border Taxes Does My State Accept the Federal Tax Extension? Stop Fearing Tax Extensions ⏳:Why Buying Time Can Actually Save You Money 💸 ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

June 17, 2026Episode 7217 min

Ep 72: Living Abroad Won't Shake Your State Tax Shadow

This conversation delves into the complexities of state tax obligations for U.S. citizens and green card holders living abroad. It highlights the common misconceptions about tax liabilities when moving overseas, emphasizing the importance of understanding state-specific rules and planning ahead to avoid unexpected tax bills. The discussion also covers strategies for cutting ties with states that impose income taxes and the significance of domicile in tax planning, particularly concerning estate taxes. Key Takeaways: Some states don't let go of tax obligations easily. Your relationship with your current state affects tax responsibilities. States look at ties like driver's licenses and voter registrations. California and New York are known for aggressive tax policies. Double taxation can occur if state taxes are not managed properly. Establishing residency in a no-income-tax state can be beneficial. Domicile is different from tax residency and affects estate taxes. Working with a tax professional is crucial for compliance. Failing to meet state tax obligations can result in penalties and interest. Chapters 00:00 Understanding State Tax Obligations for Expats 12:59 Strategies to Cut State Ties Before Moving Abroad 17:04 Navigating Domicile and Estate Taxes Episode Links and Resources Ep 8: What Is English For "Domicile?" State Apron Strings Still Attached Even While Living Abroad? Some Options Here! State of Washington Estate Planning Rules ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

June 3, 2026Episode 7137 min

Ep 71: DEMATS, PFICs & Provident Funds: What Indians Moving To America Need To Know

Manasa was a guest on The Expat Wealth podcast a few months ago, hosted by Richard Taylor. It was such an amazing conversation, and with Richard's permission, we are bringing it to you on this episode. Richard and Manasa Nadig discuss the financial landscape for Indian expatriates in America. They explore common financial assets, tax compliance issues, and the importance of pre-immigration planning. The conversation delves into specific financial tools such as bank accounts, retirement accounts, and the complexities of PFIC reporting. They also touch on real estate and inheritance considerations, emphasizing the need for proper reporting and planning to avoid pitfalls. Key Takeaways Understanding the common financial assets for Indian expats is crucial. Bank accounts are the simplest financial tools to manage. PFICs can lead to punitive taxation if not reported correctly. Pre-immigration planning can help avoid financial pitfalls. Inheritance and gifts from India must be reported to the IRS. Real estate can be a valuable asset, but requires careful management. Insurance policies in India may have complex reporting requirements. The importance of understanding the differences in financial products across countries. Tax compliance is essential for maintaining good standing with the IRS. Seeking professional advice can help navigate cross-border financial issues. Chapters 00:00 Introduction to Indian Financial Assets in America 07:12 Common Financial Tools for Indian Expats 12:12 Understanding Bank Accounts and Reporting Requirements 20:39 Navigating PFICs and Investment Accounts 28:13 The Importance of Pre-Immigration Planning 35:36 Real Estate and Inheritance Considerations 40:00 Conclusion and Resources for Indian Expats Episode Links and Resources ExpatWealth Podcast With Richard Taylor Ep 61: What Is English For "FATCA & FBAR" Reporting Ep 55: What Is English For "Is It a PFIC or not?" ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

May 20, 2026Episode 7011 min

Ep 70: What is English for "UK SIPP"?

In this episode, we discuss the complexities of the UK Self-Invested Personal Pension (SIPP) for U.S. residents with UK pensions. We explore the basics of SIPPs, their advantages, and the critical tax implications and reporting requirements for US residents who hold a SIPP. It's important to work with specialists to navigate these complexities and ensure compliance with both UK and US regulations. Key Takeaways UK SIPPs are popular for consolidating old pensions. An international SIP is a UK product for non-UK residents, since most UK providers won't accept foreign addresses. SIPs are not treated the same as US retirement accounts. The IRS does not classify UK SIPs as tax-advantaged. The US-UK tax treaty can mitigate some tax issues. Chapters 00:00 Understanding the UK SIPP 05:46 Compliance and Reporting Requirements Episode Links and Resources Ep 51: What Is English For "Tax Treaty?" ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

May 12, 2026Episode 7137 min

Ep 71: DEMATS, PFICs & Provident Funds: What Indians Moving To America Need To Know

May 6, 2026Episode 6913 min

Ep 69: One Cross-Border Marriage and Two Filing Statuses: How The 6013h Election Can Help!

We discuss the 6013h election, a tax provision that allows certain non-residents to file as U.S. residents. We explore eligibility criteria, the benefits of filing jointly, and the potential drawbacks, including the requirement to report worldwide income. We emphasize the importance of consulting a tax professional before making this election and clarify common misconceptions about related tax codes. Key Takeaways The 6013h election allows non-residents to file as tax residents. Eligibility for the election includes being married and both spouses being present in the U.S. Filing jointly can lead to lower tax brackets and higher deductions, but requires reporting worldwide income and assets. Once made, the 6013h election can only be revoked before the tax deadline. The election locks you into joint filing unless certain conditions are met. Chapters 00:00 Understanding the 6013h Election 03:14 Eligibility and Limitations of the 6013h Election 06:13 Benefits and Drawbacks of Filing Jointly 09:47 Final Thoughts and Resources Episode Links and Resources Ep 7: Section 6013(g) - Non-resident, Non-citizen, filing taxes with a U.S. citizen When the Nonresident Spouse Becomes U.S. Enough for the IRS! ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

April 22, 2026Episode 6810 min

Ep 68: What Is English For "The Schengen Shuffle"?

We discuss the Schengen Area and the concept of the 'Schengen shuffle,' a strategy for digital nomads and long-term travelers to navigate visa regulations in Europe. We explain the 90/180-day rule, popular destinations for shuffling, and the importance of tracking travel days to avoid legal issues. We emphasize the need for careful planning and compliance with immigration laws while enjoying the freedom to travel in Europe. Key Takeaways The Schengen Area allows travel across 29 countries without internal borders for a 90-day limit within a 180-day period. The Schengen shuffle involves leaving the Schengen Area to reset the 90-day clock. Popular non-Schengen destinations include the UK, Albania, and Turkey. Tracking travel days is crucial to avoid overstaying and penalties. There are apps that can help. Timing and planning are key to successful travel in Europe. Digital nomads can experience local life without a visa. Travel regulations may change, so stay informed. Chapters 00:00 Understanding the Schengen Area 03:08 The Schengen Shuffle Explained 05:49 Navigating the Schengen Shuffle 08:58 Living the Digital Nomad Life Episode Links and Resources Ep 10: What Is English For "Digital Nomads?" Learning the Mechanics Of A Foreign Tax Credit ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, and financial advice.

April 8, 2026Episode 6734 min

Ep 67: Visa to Wealth: Brewing Success with H-1B and O-1 Visas

We discuss strategies for building wealth in the U.S. while on non-immigrant work visas, specifically the H-1B and O-1 visas. We explore the complexities of visa regulations, investment opportunities, tax implications, and the importance of compliance with immigration laws. We emphasize the need for careful financial planning and consideration of individual circumstances when navigating wealth-building strategies as a visa holder. Takeaways Building wealth on a non-immigrant visa requires compliance with immigration laws. Visa holders can invest in employer-sponsored retirement plans and brokerage accounts, but must check eligibility with the brokerage. Day trading may jeopardize visa status. Rental property investments must be passive to avoid visa status issues. Spouses on dependent visas may have limited work options unless they obtain an EAD. Tax reporting for visa holders is similar to that of citizens, requiring the reporting of worldwide income. Chapters 00:00 Building Wealth on Non-Immigrant Work Visas 04:36 Understanding H1B and O1 Visas 07:41 Wealth Building Strategies for Visa Holders 10:01 Investment Opportunities for H1B and O1 Visa Holders 15:10 Real Estate Investments and Legal Considerations 20:14 Starting a Business on a Visa 23:12 Tax Reporting for Visa Holders 25:10 Cross-Border Wealth Management 33:22 Path to Green Card and Citizenship Episode Links and Resources Ep 54:Temporary Permanence: Leaving The U.S. On A Work Visa Ep 58: Tech Job Layoffs & Visa Chaos: Survival Tips For Foreign Workers How To Prepare For A Layoff On A Work Visa Michael Kitces - Navigating Challenges When Investing For Work Visa Holders A Visa Holder's Guide to Saving for Retirement in the United States ----------------------------------------------------------------------------- The IM Café Finance / Tax Roastery (Store) Is Live Grab " the Comprehensive Checklist for Foreign Nationals on Work Visas Leaving the U.S. " currently on sale, to celebrate our 50th episode. If you'd like to work with us on your finances or taxes, check out the process --------------------------------------------------------------------------------- Be sure to join the conversation by visiting our page: The International Money Cafe Or by following us on social media:- LinkedIn ; Instagram ; Twitter (X) ; Facebook. ------------------------------------------------------------------------------------ The speakers' views and opinions discussed in this episode should not be considered financial, tax, or legal advice. Consult your advisor for any legal, cross-border tax, an