PIP: Money is only one of many factors which motivate Indians to leave India to come to the US. Considerations vary according to the particular stage one is in concerning family development. These decision points occur when one has to decide whether to leave or stay; the factors to consider differ at each point. Decision points generally come when consideration has to be made as to: 1) where one will obtain a university education, 2) where to obtain on-the-job training, 3) where children should be raised, 4) where the best career opportunities are, and 5) where retirement should be spent. The decision is often made on perceptions and stereotypes rather than accurate information. In India, unlike the US, the unit of consideration is the family. The concern is how the family will be affected. Emigration becomes a goal, for the belief develops that going abroad in and of itself is enhancement. In addition, the potential emigrant develops an unrealistic view of what life is like abroad and what to expect.