प्रिय हार्दिक सर, मेरे प्रश्न का उत्तर देने के लिए धन्यवाद. मैं इस पोर्ट फोलियो पर शोध करूंगा और फिर निर्णय लूंगा। वास्तव में आपके उत्तर के लिए बहुत बहुत धन्यवाद। सम्मान। प्रशांत कुलकर्णी, पुणे।

Ans: At 38, after a divorce and losing ?18 lakhs in options trading, with no income and multiple loan and credit card defaults, it’s understandable to feel overwhelmed. But this isn’t the end. First, speak to a credit counselor or financial advisor—many offer free services. Consider a one-time loan settlement with banks or restructuring. Focus on finding any stable income—gig work, freelancing, or part-time jobs—to begin rebuilding. Mental health support is just as important; talk to someone. You’re not alone, and this phase, while hard, can be turned around one step at a time. Keep hope alive. Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
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