Sir, I am 45 age from beginning I am working as an employee but intrested in printing business so from last 4 years I am keep collection machinery seeing YouTube but till date I am not using i have already invested very hefty amount and even paying loan and also feared of losing job because from that job I am giving from fifty percent to my home and other part in paying loan amount can u pls help what shall I do ?

Ans: It sounds like you are facing a common challenge: the gap between watching and learning from YouTube videos and taking practical action to start a business. Here are some steps you can take to address your situation:

Assess Your Situation: First, take a step back and assess your financial situation and the impact of your actions. Understand the severity of the problem, how it's affecting your social and financial life, and your overall goals.
Set Clear Goals: Define specific and achievable business goals. What exactly do you want to achieve with the machinery you've purchased? Having clear objectives can help you stay focused.
Create a Business Plan: Develop a detailed business plan that outlines your business idea, target market, competition, revenue model, and financial projections. A well-thought-out plan can serve as a roadmap for your business.
Seek Professional Advice: Consider seeking advice from a financial advisor or business consultant. They can help you better manage your finances and develop a practical plan for your business.
Budget and Financial Management: Review your budget and financial situation to determine how to manage your loan and EMI payments. If necessary, explore options like debt consolidation, refinancing, or extending your loan term to ease your financial burden.
Time Management: You mentioned procrastination. Work on your time management skills to ensure you allocate time each day to work on your business. Create a schedule, set daily tasks, and stick to them.
Accountability: Share your goals and progress with someone who can hold you accountable, like a friend, family member, or a business mentor. Regular check-ins can help keep you on track.
Start Small: Rather than trying to do everything at once, break down your business plans into smaller, manageable steps. Start with a small-scale project to build your confidence and experience.
Learn with a Purpose: Continue to watch educational YouTube videos, but do so with a purpose. Apply what you learn immediately to your business. Don't get caught in a cycle of just consuming content without taking action.
Mindset Shift: Reflect on your motivations and identify any mental barriers that may be holding you back. Sometimes, fear or self-doubt can paralyze us. Working on your mindset and self-confidence can be crucial.
Networking: Connect with people in your industry or niche. Join relevant online forums, attend networking events, and build relationships with potential customers, partners, and mentors.
Adaptability: Be prepared to adapt your business plans as you gain more experience and feedback. Flexibility is essential for success in entrepreneurship.
Stay Persistent: Building a successful business takes time and effort. It's normal to encounter setbacks and challenges. The key is to stay persistent and keep moving forward.
Remember that taking action is the most crucial step. You may not have all the answers, but by starting and learning along the way, you can make progress and work towards achieving your business goals. It's essential to be patient with yourself and seek support when needed.

Ans: Try and see if you can get any moratorium on the loan repayment from the lender.

If this works you get some time to focus and improve your earnings.

Port the loan to another agency if the ROI is higher.

Last option would be sell any unutilized real estate property or other asset to repay the loan.

Maybe you continue to handle business and your spouse decides to take up a job or you both take up jobs till the loan is repaid.

Loan repayment should be the topmost priority of your family.

Ans: Your honesty, clarity of thought, and deep self-awareness are admirable.

Even after setbacks, you have stayed committed. That is not easy.
Your belief in trading and your self-education deserve respect.

Now let’s take a detailed 360° look at your situation and build a practical path forward.

» Understanding Your Present Financial Reality

– You are 45, married, with two children aged 8 and 13.
– For the last 5 years, you have depended on family for expenses.
– You have no job now, and no savings or trading capital.
– Your monthly expenses are continuing, and debts are piling.
– There’s financial stress, and family atmosphere is affected.
– You have passion and skills in forex trading.
– You’re clear that a job is not suitable for your mindset.

This self-assessment is a very strong starting point.
Being brutally honest with oneself is the first step towards meaningful action.

» Identifying the Real Challenge

– You’ve worked hard for 5 years to master forex trading.
– Now you’re skilled but have no capital to trade consistently.
– Compounding requires uninterrupted trading for 6–12 months.
– But life expenses, debts, and emotional stress are roadblocks.
– There is no backup or external support at the moment.

This is a classic gap between skill and resource.
You’re ready mentally, but not financially.

» Why This Situation Needs a Bridge Plan

– Trading can give financial freedom, but not instantly.
– To survive till then, you need a steady, low-stress income.
– Without that bridge, trading pressure will only increase.
– Capital will be used for survival, not compounding.
– Also, stress and family tension will affect trading focus.

So, before jumping fully into trading again, you need a survival bridge.
A stable 12–24 month financial support system is essential.

» Short-Term Actions You Must Consider Now

1. Stop trading with borrowed or survival money

– Never trade with money meant for school fees or rent.
– It adds stress, clouds judgment, and leads to mistakes.
– Trading needs peace of mind, not desperation.

2. Create a 12-month Survival Plan

– You need monthly cash flow for your basics.
– Find an income model that gives at least Rs. 25K–30K/month.
– This will not make you rich, but will reduce stress.
– Look for temporary cash-generating work you can tolerate.
– It can be short-term, part-time, or gig-based.

3. Evaluate Gig Income Opportunities

– Content writing, social media handling, freelance sales.
– Online tutoring, virtual assistant, basic trading courses.
– Small-time freelancing on Fiverr or Upwork.
– Daily wage delivery jobs, night shifts, home-based packing.
– Work that gives you Rs. 1K/day = Rs. 25K/month.

You may not like these. But they are temporary tools, not life decisions.

You are not choosing this for life.
You are choosing this to fuel your real dream.

» Why Job Is Not the Only Way to Earn

– You said you don’t like being ordered around.
– That's fine. Not everyone fits into corporate culture.
– But income is still necessary. You must separate job from work.

Work you control = freelance, self-paced, or performance-based.
You can design your own model. You only need to earn Rs. 1000/day.

That small amount can protect your passion and peace.

» Creating a Safe Capital for Trading

– Your trading method needs capital plus stability.
– You said you can generate 2–3% per day.
– Even if we assume 1% per day, you need a safe fund.

So, build a Rs. 50K–Rs. 1 lakh trading capital without touching it.
Treat it like a baby.
Build it slowly over 6–12 months, parallel to your survival income.

Don’t use this money for rent, school, or debt.
Keep it parked until you're ready to trade with zero pressure.

» Structuring Your Time for Both Survival and Growth

– Allocate fixed hours daily to income generation.
– Allocate separate hours to trading backtesting or demo accounts.
– Keep weekends or nights for reading or strategy refinement.
– Track both performance and energy.
– Document your wins and misses in trading journals.

Routine gives you momentum. Chaos gives you fatigue.
Small structure helps in building big success.

» Your Children and Family Responsibility

– Your kids are in critical academic years.
– Your emotional availability is as important as money.
– Make them feel safe, heard, and loved.
– Don’t pass on the financial stress as emotional distance.

Even small progress will motivate your family.
Involve them as cheerleaders, not critics.

» Managing Debts Without Panic

– List all debts: amounts, lenders, monthly EMIs.
– See which ones can be paused, negotiated, or converted.
– If informal, speak to lenders openly and set expectations.
– Pay Rs. 500 monthly, but communicate proactively.

Silence increases friction. Communication builds trust.
People usually understand if they see effort and intent.

» What You Must Not Do Now

– Don’t borrow money for trading.
– Don’t take new loans.
– Don’t chase “quick money” in crypto, options, or tips.
– Don’t try to double money in 1 month.
– Don’t cut off your family emotionally.

These mistakes will delay your freedom.
Focus on calm execution, not forced outcome.

» Emotional Support and Mental Wellbeing

– Your current stress is very real.
– Frustration, helplessness, and guilt are natural feelings.
– But please don’t isolate yourself mentally.
– Stay in touch with supportive friends or mentors.

Start a simple morning routine – walking, prayer, journaling.
Calm mind helps in right trading decisions.

» Revisit and Refine Your Trading System

– Backtest your strategy with historical data.
– Track your win rate and drawdowns.
– Define when to enter, when to exit, when to stop.
– Reduce emotional trading.
– Create written rules and follow them like rituals.

A repeatable, emotion-free system is key for consistent results.

» Build Reputation If You Plan to Teach or Manage Money Later

– Record your monthly profits and trading logs.
– Show consistent results over 6–12 months.
– Create a simple YouTube channel or blog.
– Share your learning journey or trading concepts.
– Build digital identity slowly.

If people trust your skills, capital will come to you.
But that trust needs proof and patience.

» Investment Advice for the Future

– Once you generate surplus, start investing gradually.
– Use mutual funds via Certified Financial Planners.
– Never invest in direct mutual funds on your own.
– Direct plans have no guidance, no discipline, and no review.

Regular plans via Certified Financial Planner give:

– Proper asset allocation
– Timely portfolio reviews
– Handholding during market panic
– Long-term wealth creation

You need that support. You already took many risks.
Now take guided steps for stability.

» Avoid Index Funds Completely

– Index funds give average market returns.
– They can’t handle market crashes or recover smartly.
– No downside protection. No expert decision-making.

Actively managed mutual funds are better for your goal.
They adapt. They are researched. They beat inflation long-term.

You need capital growth, not market mimicry.

» Finally

– Your passion for trading is your strength.
– But your peace and patience will be your superpower.
– You are not too late. You are actually very close.
– You only need survival income and emotional stability.

With that in place, your capital will come.
Then your compounding journey can begin—without pressure.

Respect yourself for not giving up.
You are still standing. That matters most.

You are not alone in this. You just need small wins daily.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment