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Radheshyam

Radheshyam Zanwar  |3066 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 23, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Imran Question by Imran on May 22, 2025
Career

My daughter has scored 85% with PCMB but did not perform well in NEET. She is not able think other than MBBS. I am trying to convince for Nursing. I feel that MBBS is very difficult a d required so much effort in life and requires more money to complete. She told me that wants to do MBBS only for Govt college. But I still feel - Is it worth becoming a doctor today and when there is no shortage of doctors. Also, We are NRI from Middle east. Is governemet seat Will seat be given to NRI student if they score well. Please advise if we could be eligible. I doubt for sometime on how to get score out of 650+ to get government seats when there any only and some 23 lakh student giving exam. We are plannig to do nursing from UAE as we live in UAE

Ans: Hello Imran.
You did not mention where your daughter wants to live, either in India or UAE. Here are the main points: (1) There is always a shortage of doctors. (2) Your view that MBBS is difficult is not true. (3) Support your daughter's decision over your own for now. (4) Give her a chance to take NEET; she could score over 650 if confident. (5) Many students are successful, so if everyone thinks negatively, who will become a doctor? (6) Keep nursing as an option after NEET results. If she scores well, she can get an NRI seat in a government medical college. Finally, respect her decision, support her, and help boost her confidence.
Ultimately- Respect the decision of your daughter, stand with her, provide good coaching and boost confidence time to time.
Best of luck to your daughter.
Follow me if you like the reply. Thanks
Radheshyam
Career

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Asked by Anonymous - Jun 05, 2025
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I am 40 years old teacher, having 40 lakhs in FD and 2 lakhs in NSC, no debt and having property around 70 lakhs (Father's shop). No liability as I am single child of my parents. I am financially stable or I need to accumulate wealth.
Ans: Hi,

Financial stability needs to be defined for each individual based on their own preferences and perceptions.

You are a teacher and I assume you will continue your profession until retirement, this gives you opportunity to earn and save for future.

Your current investments are in a fixed income instruments which have the potential to only meet inflation needs for that amount. That means your money though increased over time will be having same purchasing power as it is today.
The property value in the future is a bit of difficult to estimate as it depends on many uncontrollable factors.
Hence we cannot determine if these amounts in the future are going to be able to meet your requirements without understanding your goals.

The approach you should follow is to look at what are your goals/requirements in life - during your working life and after retirement. This will require analysis of your current expenses and future goals to arrive at a corpus number.

A CFP can help you understand, plan and achieve this with a holistic financial plan. You will be provided with options and alternatives that are available and based on your profile/preferences, you will know what and how it can be achieved.
I recommend you take guidance form a CFP towards a holistic financial plan.

Thanks & Regards
Janak Patel
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