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Jobless for 2 Years, Fearful of Interviews, and Drained: What Can I Do?

Archana

Archana Deshpande  | Answer  |Ask -

Image Coach, Soft Skills Trainer - Answered on Feb 03, 2025

Archana Deshpande, the founder of TransformMe Life Skills Coaching, is an image consultant, soft skills trainer and life coach.
She has been working with individuals and corporate organisations for more than 10 years during which she has helped professionals and students improve their soft skills, build confidence and enhance self-esteem.
An engineer from the PDA College of Engineering, Gulbarga, Archana had a successful career at Reliance Communications. But she has always been interested in teaching and training people. So she pursued a postgraduate diploma in teacher’s training at Pune’s Symbiosis Institute of Management Studies followed by teaching assignments in schools at Visakhapatnam and Mumbai.
Archana also holds an international certificate in image consulting and soft skills training from the Image Consulting Business Institute, Mumbai.... more
Asked by Anonymous - Jan 07, 2025Hindi
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I have been jobless since 2 years. During COVID, I was undergoing tremendous amount of stress due to the lockdowns & WFH. It had telling effect on me & I realized am going through depression when I joined a job which required me to work from office. I quit job a month after I joined the company where the toxic work culture had a big toll on me to the extent of instilling a fear of formal office environs in me, which continues to this day. I have become a recluse. Now I feel I should have sought professional intervention much earlier, rather than just 6 months back. I lost all confidence of turning up for interviews, leave alone joining some job. I fear & hate admitting that infront of my wife who is very temperamental & nags me consistently about job search, as much as she tries to figure out things in my life. Every day I apply to jobs but every time I fail an interview I console myself thinking that I am saved of botheration of the rigors of a job which I can't face. I don't admit to my wife so as not to infuriate her & don't trust her that she will empathise with my situation in life. Hence try to keep up with good facade. But the results never improve- I failed every interview (calls though are hard to come by) which I fully know that its because I could not give my 100 % energy. Now the reluctance is due to many factors- IT is very fast changing field; I have reached a senior level where there are many expectations on that role which I never got to nurture/grow on myself. So every interview gives me shivers: 1) About my performance 2) (provided am selected somehow) About whether I would be able to fulfill my role to my satisfaction (previous professional experience haunts me to this date). As a result of all this I very often mentally exhaust myself (worrying/ wishful)thinking of things rather than bringing myself to earn money for the family. I feel I am just doing things to fill up my day, languishing by doing things that do not bring any value- rather than positively, pro-actively doing something of my career. Due to the gap of 2 years I do not get favorable response from companies I apply to. That is a very big gap to fill & I can't talk my way into saying things like I was in depression or that I did nothing for those 2 years. That further increases my anxiety, I have grown aversion to this entire goings on. I feel direction-less & drained out all the time. Please help.

Ans: Hello!!

Let's only look at the forward path here pls.

Forget about all the failings so far... Be kind to yourself, whatever happened to you, whatever is happening now, the period of COVID did it to many.

The only way to get out of this is -
1. your willingness to see a beautiful future ahead of you
2. you have already taken the first step by seeking counselling
3. leave the habit of revisiting the past again, like you just said that I should have gone to the counselor earlier, don't do this, be happy you are seeing him/her now
4. you have come so far in life, give yourself some credit, you have not reached the senior position just like that, right? You have reached here with your efforts, you have done it before, you'll do it again, have faith in yourself
5. your wife is your life partner, sit across and talk to her, take her to the counselor make her understand that this a phase where you need her on your side. A facade with your wife is a NO NO, it will come out some day, it is extra strain on you and your relationship, come clean , be truthful and honest with her.
6. make self care a priority ..get your routine in order, it's your life, just don't fill your day with mindless activities, like I said one step in the future, start taking actions now.....get up early, expose yourself to the sun and nature( they are great healers), exercise, have good meals throughout the day, learn something new , join a course which will be job oriented, how about adding an MBA or any other course which will help you in your career or job search?
7. make being joyful a habit... spend time volunteering, go teach underprivileged children or where ever you feel like lending a helping hand
8. value yourself....you were not put here to suffer, take action now.

Forget the past, jo beet gayi so baat gayi( meaningless to talk about the past)... stop blaming, complaining....look into the future with energy and enthusiasm, it's your life man , take one step towards it every day.

Bless you to life your life well..
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I failed a job interview for the 4th time this year. I am feeling very embarrassed to face my wife who is earning better than me. She has been single handedly taking care of the family and our kids for over a year now. I an MBA with 7 years of wok experience but I lost my job in COVID and have been struggling in my career doing odd freelancing and consulting jobs. I have no money to start a business. I am trying hard to get a job where I can showcase my skills and get a permanent source of income. What should I do to improve my chances of getting a job? Pls suggest something
Ans: I'm sorry to hear about the challenges you're facing in your job search. It's understandable to feel discouraged after multiple rejections, but it's important to remember that setbacks are a natural part of the job-seeking process, especially during difficult times like the COVID-19 pandemic.

Here are some steps you can take to improve your chances of securing a job:

1. Reflect on past interviews: Take some time to reflect on your previous job interviews. Identify any patterns or recurring issues that might be contributing to your rejections. Are there specific skills or experiences employers are looking for that you might be lacking? Are there areas of your interview performance that you could improve upon?

2. Update your resume and LinkedIn profile: Make sure your resume and LinkedIn profile are up-to-date and tailored to the types of roles you're applying for. Highlight your relevant skills, experiences, and achievements that demonstrate your value to potential employers.

3. Expand your job search: Don't limit yourself to just one industry or type of role. Consider exploring opportunities in related fields or industries where your skills and experience could be transferable. Cast a wider net in your job search to increase your chances of finding suitable opportunities.

4. Networking: Reach out to your professional network for support and advice. Attend industry events, job fairs, and networking meetups to connect with professionals in your field. Networking can often lead to valuable job opportunities that may not be advertised publicly.

5. Skill development: Consider investing time in developing new skills or upgrading existing ones that are in demand in your target industry. Online courses, certifications, or workshops can help you stay competitive in today's job market.

6. Practice interview skills: Practice interviewing with friends, family members, or a career coach to improve your interview skills and build confidence. Mock interviews can help you refine your responses to common interview questions and better articulate your qualifications and experiences.

7. Stay positive and resilient: Job searching can be challenging, especially during tough times. Stay positive and resilient in the face of rejection. Remember that each rejection brings you one step closer to finding the right opportunity. Stay focused on your goals and keep pushing forward.

8. Consider temporary or contract work: In the meantime, consider taking on temporary or contract work to generate income and gain valuable experience while continuing your job search. Temporary assignments can sometimes lead to permanent job opportunities and help you expand your professional network.

9. Seek support: Don't hesitate to seek support from your wife, family, or friends during this challenging time. Open up to them about your struggles and lean on them for emotional support and encouragement.

Remember that your worth is not defined by your job title or salary. Stay focused on your strengths, continue to persevere, and keep working towards your goals. With determination and effort, you'll eventually find the right opportunity that aligns with your skills and aspirations.

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Asked by Anonymous - Jun 17, 2024Hindi
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I am 35 years old woman. I am shy and introvert. I don't know if I earlier was the same. I have done my masters in English literature with just 47 percent marks. That led me to do another masters in public administration where I secured 55 percent marks. After several attempts I was able to qualify for UGC NET exam. Earlier also I have given multiple govt. exams, cleared prelims round but was unable to go to the final cut. I have done my graduation in Journalism in 2010.I joined as a content writer for a company but a coworker dominated me and I left the jib in just one week. I feel that I have no skills. I am afraid to talk ti anyone. I have fear of interviews. How to deal with that? How to get a job, how can I be financially independent? I feel so left out, all ny friends have reached superior positions and here I am stuck.
Ans: Madam, Apologize for late reply. You have NOT mentioned, since 2010 till date, what you had been doing & about family background? Did you work any where or were doing any part-time jobs? Anyway, please note, (1) 'Office Politics' is everywhere, even in Top-Corporate-MNC Companies also. How to handle 'Office Politics' depends upon (a) how you perceive others and others perceive you (b) your skills and knowledge (c) your self-confidence (d) office hierarchy / organizational flow (d) your relationship with peers / superiors, related to your job profile (2) Have self-confidence / self-esteem over you and avoid comparing yourself with your friends (3) Now think over which all fields you are interested in. (4) As age is a major factor & keeping in view your educational qualifications / attempts in Govt Exams, you can opt for 'Teaching' at home for the school-children around your home for the subjects you are confident such as English, Social Science & Language. (5) Try this to keep yourself engaged with school children and to get a mental relief from your (some assumed) psychological problems. (6) There is always a demand for Home Tutors. Charge reasonable fees and have patience to become popular in your locality (7) You have to come out of your 'Introvert' personality and talk to your reliable and affectionate friends / relatives. This will further reduce your psychological problem (8) You can even apply to schools for 'Teaching Positions' even if the salary is low initially for the subjects like English, Social Science, depending upon the Grade. If you have any other question(s) related to your career / options, please ask me here in RediffGURU. All The BEST Madam. God Bless You.

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Career Counsellor - Answered on Nov 28, 2024

Asked by Anonymous - Sep 29, 2024Hindi
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Hello I am a 40 year old unmarried male. I did my graduation in Hotel management and passed out in the year 2006. After that i worked in few hotels in India and intrest of work in operations of hotel fizzled out. I sat idle doing nothing for a year or so and den helped my dad with his business that we had. In 2009 i did my MBA marketing from a Pune university college and passed out in 2011. Due to my hotel mgmt background i started working in five star hotel marketing department after passing out my MBA marketing. I got the hotel marketing job in Nov 2011. I worked in the same hotel till April 2014 after which i got an apportunity to work with big corporate hospital in the corporate marketing department. I worked there till 2018 after which i got a opportunity to work in a bigger corporate hospital in a different city in the marketing department. I worked there till Sept 2022, after which i was forced to take a break from work coz needed to take care of my ailing mother who underwent a Liver transplant. I was forced to take a break of around one year and months and i did nothing but took care of my mothers health. In the meanwhile i also lost my father in Road accident. My mother is fine now and its been one year and four months after the Liver Transplant. I have again started working in the hospital that i use to work before in the same marketing department. No other hospitals were ready to take me in coz the gap tht i had in my career. I have started working since July 2024. Now i feel tht i have already lost a lot of ground in terms of my carrier. I feel tht i am not well paid. All my life i have been bullied a lot hence i have self confidence issues. I feel coz of the nature of my job and less salary that is 9 lakhs per annum i am not getting any proper marriage proposals. I have not able to save anything in my life coz all my life i hav only worked and spent all my money on others. I also feel tht compared to others i lag in knowlege as well. Self confidence is the biggest problem. I want to grow now in my career and improve my personality now. I want you to guide in regards with the career as well and also means to improve my overall life. I want someone to talk to who would help and be guide at this moment of my life. Can someone of you make time and i can talk to them, so tht i could get direction in life. Right now emotionally, mentally and i feel physically also have hit my rock bottom.
Ans: I applaud your treatment and story-sharing bravery. You've surmounted terrible odds, and your progress is admirable. Simplify and construct a career and personal plan. You Grow Career: You have varied hotel and hospital marketing. You may feel behind, but your experience is valuable. The next step? Digital, healthcare, and data analytics credentials improve marketing skills. LinkedIn Learning, Coursera, and Google provide affordable, flexible courses. Return to industry professional networks. Attend hospital marketing events and webinars to network with mentors and employers. Healthcare Marketing is popular. To stand out, focus on patient involvement, brand strategy, or digital efforts. Better Choices: Pharma, health tech, and healthcare marketing occupations pay more. Showcase your suffering and perseverance. Startups and medical device companies value adaptable marketing.
Financial safety: Budgeting: Save on a strict budget. Even a small monthly savings can provide stability. Set aside 3-6 months of living expenditures for emergencies.
Think about low-risk investments like mutual funds or term deposits to grow your savings.

Rebuild your self-confidence step-by-step:
Personal Development: To overcome bullying and regain self-worth, see a psychologist. Grateful: Celebrate small victories daily. Gain long-term self-esteem. To boost energy and confidence, walk, perform yoga, or go to the gym. Stress reduction and resilience can be achieved with Calm and Headspace meditation applications. Online or local career transition support groups can provide social and emotional help. Others' tales inspire.
Marriage proposals: If you are emotionally ready, willing to grow, and honest with your partner, you should be married at 40, even with a low salary. How you grow together is key to many successful partnerships. You need someone who values you for who you are, not simply your salary. Befriend Positive Friends and Coworkers. Instant Actions: Ask local Career Coaches and mentors for unique advice. Update LinkedIn, Resume: Emphasize career accomplishments. Encourage resilience and accountability during your break.
Goals: Set 3-6 month and 1-2 year career and personal improvement goals.
Getting past personal issues demonstrates strength. Returning to work shows resilience. Success is nonlinear and takes persistence. Choose small, daily acts that promote your goals. All the BEST for Your Prosperous Future.
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Sir, How can we reduce the Commision on Regular MF ?What is Steps to avoid the Tax if wants to Switch from Regular to Direct?.
Ans: Hi Amit,

Your concern regarding commision in regular funds is quite genuine and common these days due to the misleading content shared by some people.
You should understand that a whilst regular funds have comparatively lower expense ratio than direct funds, and this has risen to the direct fund popularity. But in actual a direct fund portfolio is only good if you know all ins and out of the market, have proper knowledge and knows the correct way to invest perse your individual profile.

There are few benefits of regular fund portfolio which is highly overlooked:
- a professional builds your portfolio keeping in mind your detailed profile, funds selction are done based on your risk profile
- a professional knows the best time to invrease your investments, to hold and to shift. They constantly monitor the same and periodically review them

And a regular fund portfolio definitely beats the direct fund portfolio made with random tips and zero or less knowledge.
Hence I would not suggest you to switch from regular to direct funds if you are working with a professional.

Also switching from regular funds to direct will attract tax, there is no way to avoid the taxation.

However, you can get your portfolio reviewed from another advisor and ask them to guide you to make necessary changes.

If you do not have an advisor, connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

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Naveenn

Naveenn Kummar  |249 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Feb 11, 2026

Asked by Anonymous - Dec 11, 2025Hindi
Money
Hi there, I am 53 years and retiring on 31/12/2025. I hvae a daughter and son, both studing and un-married. I am curently holding mutual fund (investment only) of around 15lacs. I am doing a SIP of 12000/- PM. Beside this, i have an equity investment of 15.50 lacs. I do have 65lacs in FD and the same amunt is expected upon retirement. I have a own house and there is no loan obligations currently. i have another 50lacs given to relatives and there is no timeline when I will be receiving this amount. I have around 100000 monthly expense and ofcourse the marriage expenses of my daughter and son in next 3-4 years. Kindly advise the best strategy and utilization of funds. Thank you.
Ans: Hi sir ,
You are entering a very sensitive financial phase where protection of capital becomes more important than aggressive growth. At the same time, you still have 30 plus years of life expectancy to fund, along with two large near-term goals children’s marriages and ongoing household expenses. So the strategy has to balance income, liquidity, and moderate growth.

Let me break this down in a practical way.

1. Where you stand today

Assets available / expected

Mutual Funds approx 15 lakh

Direct Equity approx 15.5 lakh

FD 65 lakh

Retirement proceeds expected approx 65 lakh

Money given to relatives 50 lakh uncertain timeline

Own house no loan

Total financial assets (excluding relatives money)
~160 lakh

If relatives repay, corpus rises to ~210 lakh but we should not depend on it for planning.

2. Monthly expense reality check

You mentioned ?1,00,000 per month = ?12 lakh per year.

Assuming 6 percent inflation, this expense will double in ~12 years.

So retirement planning must create income + growth, not just fixed income.

3. Immediate financial buckets to create

Think in 4 separate buckets instead of one pool.

A. Emergency + Liquidity bucket

Keep 18–24 months expenses.

?20–25 lakh
Park in:

Savings + sweep FD

Liquid / money market funds

Purpose: medical, family, urgent needs without breaking investments.

B. Marriage funding bucket (3–4 years)

Do not keep this in equity markets due to time risk.

Estimate requirement realistically. Suppose:

Daughter marriage 25–30 lakh

Son marriage 20–25 lakh

Total say 50 lakh

Park in:

Short duration debt funds

Bank FD ladder

RBI bonds

Capital safety is priority here.

C. Income generation bucket

This is the most critical post-retirement engine.

From your corpus, allocate ~70–80 lakh.

Options mix:

Senior Citizen Saving Scheme (SCSS)

Post Office MIS

RBI Floating Rate Bonds

High quality Corporate FD

Debt mutual funds with SWP

Target blended return: 7–8 percent.

This can generate ?45k–?55k monthly income.

D. Growth bucket (Long term)

You still need equity to beat inflation.

Allocate 25–30 lakh minimum.

Continue SIP (even post retirement if possible).

Suitable allocation:

Large Cap funds

Balanced Advantage / Dynamic Asset Allocation

Multi Asset funds

Time horizon: 10–20 years.

This bucket funds late retirement and healthcare inflation.

4. What to do with existing investments
Mutual Funds (15 lakh)

Keep invested. Review fund quality. Shift to:

Balanced Advantage

Large Cap / Flexi Cap

Avoid small cap concentration now.

Direct Equity (15.5 lakh)

Gradually reduce risk.

Move profits into hybrid funds or debt over 12–18 months. Do not exit in one shot to avoid tax and timing risk.

5. Retirement corpus deployment illustration

Here is a simple structure using your ~160 lakh corpus:

Bucket Amount Purpose
Emergency 25 L Liquidity
Marriage 50 L 3–4 yr goals
Income 60 L Monthly cashflow
Growth 25 L Inflation hedge

If relatives repay 50 lakh later:

Add 20 lakh to growth

Add 15 lakh to medical reserve

Add 15 lakh to income bucket

6. Monthly income gap

Expense: ?1,00,000

Income possible:

SCSS + MIS + Bonds: ~?50,000

SWP from debt / hybrid: ~?20,000

Equity dividends / growth withdrawal later: ~?10,000–?15,000

Gap may still exist initially.

So you may need:

Part time income / consulting (even ?25k helps)

Delay large withdrawals till age 60 when senior schemes expand

7. Important risks to manage
Healthcare

Take a family floater + super top up if not already.

Longevity risk

Plan till age 90, not 75.

Relatives money

Treat as “bonus”, not retirement funding.

Document repayment if possible.

Inflation

Do not over-allocate to FD.

That is the biggest mistake retirees make.

8. Action checklist

Finalize marriage budget realistically

Create 2-year emergency fund

Invest in SCSS immediately after retirement

Restructure equity to hybrid orientation

Continue SIP from surplus if feasible

Arrange health insurance buffer

Write a will and nominations

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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