The Duti Blog

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Discover modern approaches to money management, community savings, and financial growth through our expert insights.

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རྩོམ་ཡིག་གསར་བ།

What Is a ROSCA? The Complete Guide to Rotating Savings Circles
Community Savings
Mar 13, 20265 min read

What Is a ROSCA? The Complete Guide to Rotating Savings Circles

A ROSCA (Rotating Savings and Credit Association) lets groups pool money and take turns receiving the pot. Learn how ROSCAs work step by step, why millions use them, and how Duti brings this tradition online.

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Balancing American Individualism with Himalayan Collective Values: Finding Your Path
Immigrant Finance
Feb 20, 20265 min read

Balancing American Individualism with Himalayan Collective Values: Finding Your Path

Navigate the tension between personal financial goals and family obligations while honoring both cultures

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Health Insurance 101: Navigating the American Healthcare System for Immigrants
Taxes & Insurance
Jan 26, 20265 min read

Health Insurance 101: Navigating the American Healthcare System for Immigrants

Decode deductibles, copays, and coverage options – from employer plans to marketplace to Medicaid

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Buying Your First Home in America: The Complete Guide for Immigrant Families
Credit & Housing
Dec 27, 20255 min read

Buying Your First Home in America: The Complete Guide for Immigrant Families

A complete guide to buying your first home in America as an immigrant. Learn about down payments, mortgage types, FHA loans, ITIN mortgages, and how savings circles can help.

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Paying for College: Financial Aid, Scholarships, and 529 Plans for Immigrant Families
Family & Planning
Nov 27, 20255 min read

Paying for College: Financial Aid, Scholarships, and 529 Plans for Immigrant Families

How immigrant families can pay for college in America. Covers FAFSA eligibility, scholarships for immigrants, 529 savings plans, and financial aid strategies.

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Supporting Aging Parents Across Two Countries: A Financial Planning Guide
Family & Planning
Oct 28, 20255 min read

Supporting Aging Parents Across Two Countries: A Financial Planning Guide

Navigate the complex financial, legal, and emotional challenges of caring for parents in Nepal, Tibet, or Bhutan while building your life in America

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Retirement Planning When Supporting Two Generations: Your Complete Strategy
Family & Planning
Sep 28, 20255 min read

Retirement Planning When Supporting Two Generations: Your Complete Strategy

How to save for your own retirement while supporting aging parents and raising children in America

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Tax Filing for Immigrants: What You Need to Know to Avoid Costly Mistakes
Taxes & Insurance
Aug 29, 20255 min read

Tax Filing for Immigrants: What You Need to Know to Avoid Costly Mistakes

Navigate the complex US tax system with confidence – from ITIN vs SSN to common deductions immigrants miss

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Sending Money Home: The Complete Guide to Remittances to Nepal, Tibet, and Bhutan
Immigrant Finance
Jul 30, 20255 min read

Sending Money Home: The Complete Guide to Remittances to Nepal, Tibet, and Bhutan

Compare the best ways to send money to Nepal, Tibet, and Bhutan. This guide covers Wise, Remitly, Western Union fees, exchange rates, and how to save hundreds per year.

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Why Your Duti DuKuti Is Tax-Free: A Complete Guide
Taxes & Insurance
Jun 30, 20255 min read

Why Your Duti DuKuti Is Tax-Free: A Complete Guide

Are Duti DuKuti payouts taxable? No. Your savings circle contributions are gifts under IRS rules. Learn how the \$19,000 annual gift exclusion protects your DuKuti.

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Digital ROSCAs: How Technology Is Modernizing Savings Circles in 2025
Community Savings
May 31, 20255 min read

Digital ROSCAs: How Technology Is Modernizing Savings Circles in 2025

Digital ROSCA platforms let you run savings circles from your phone. Learn how apps like Duti combine the trust of traditional ROSCAs with modern payment tracking and security.

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The Art of Tax-Free Gifting: Understanding IRS Annual Gift Exclusions
Taxes & Insurance
May 1, 20255 min read

The Art of Tax-Free Gifting: Understanding IRS Annual Gift Exclusions

The IRS lets you give up to \$19,000 per person per year tax-free. Understand the annual gift exclusion, how it applies to ROSCAs, and when gift tax reporting is required.

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Building Credit in America: A Complete Guide for New Immigrants
Credit & Housing
Apr 1, 20255 min read

Building Credit in America: A Complete Guide for New Immigrants

No credit history? No problem. This step-by-step guide shows new immigrants how to build credit in America from scratch, from secured cards to credit-builder loans.

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Smart Financial Habits for Immigrants: Build Wealth Step by Step
Immigrant Finance
Mar 2, 20255 min read

Smart Financial Habits for Immigrants: Build Wealth Step by Step

Practical money management habits for immigrants in America. From budgeting and emergency funds to savings circles and credit building, start your path to financial security.

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Dhukuti in Nepal: How Traditional Savings Circles Build Community Wealth
Community Savings
Jan 31, 20255 min read

Dhukuti in Nepal: How Traditional Savings Circles Build Community Wealth

Dhukuti (Dhikuti) is Nepal's centuries-old rotating savings tradition where community members pool money and take turns receiving the collected sum. Learn how it works and its cultural significance.

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What Is a ROSCA? How Rotating Savings Circles Help Communities Build Wealth
Community Savings
Jan 1, 20255 min read

What Is a ROSCA? How Rotating Savings Circles Help Communities Build Wealth

A ROSCA (Rotating Savings and Credit Association) is a group savings system used by millions worldwide. Learn how ROSCAs work, their benefits, risks, and how to join or start one.

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