Time is money..

The most critical thing about working and eventually settling down in the US is, financial security. The path to this security starts as early as you get your first paycheck as a grad student or as a postdoc. Your F1 or H1 visa is the key to a trillion dollar investment market of the US and with time on your side a 100-200$ investment/month could result in a good security money when you are in your late thirties whether you are a one of the top 3% or the rest of us. We will have both formal and informal advice for you on this to insulate you financially for the journey ahead.