Dear Mayank,
Name: Vaibhav Jain
Age: 28
Currently unemployed.
I really need your help and guidance at this point of time as I am very confused regarding my career. 
I am a mechanical engineering graduate; I graduated in 2015. Qualified Gate 2017 but not with a good rank. Till February 2018, I prepared for government exams but unfortunately couldn't crack them.
Then I started to do a job in the ayurvedic health care sector in a relatively smaller subsidiary of a known company as a GRE and FOE.
I worked there from June 2018 to July 2020.
I did not enjoy my job and the salary was not good. Also, I was inclined to choose yoga as my career path so I participated in a short term yoga teacher training programme in 2019 and quit my job in July 2020.
In my experience letter, the company said I had made an excellent contribution towards the organisation.
After quitting my job, I completed my post-graduate diploma in yoga education from Kaivalyadhama, Lonavala, in April 2021.
After completing the course, I was excited about pursuing a career in yoga. But due to some unfortunate circumstances at home, I am not finding the time to do so. I self-practise. Circumstances have caused financial issues at my home which is forcing me to do some kind of job to balance the expenses.
One of my friends, who is working at one of the biggest e-commerce companies of the country, has asked to apply for an opening for floor executive (inventory management role) in his company.
I am interested as the salary is good, which can help me in current situation. But I don't have any idea or experience of how to go about doing an interview at such a big corporate company.
I don't have any prior experience of working in this field, therefore I'm not confident about cracking the interview. Based on what I have heard from my friends, the company gives preference to candidates with prior experience.
Please guide me for this interview process and how to prepare a resume as I am finding difficult to recognise my strengths and weaknesses and my good skills which may help to crack the interview. Guide me for my interview preparation.
Also guide me if should follow my interest of yoga as a career or find some other job to meet my financial needs.
Thanks and regards,
Vaibhav Jain

Ans: It’s commendable that you’ve had a successful career and have guided others along the way.
Given your background with an M. Tech from IIT Delhi and the opportunity to become a Senior Management Professional from IIM Calcutta, you have valuable credentials.
Remember that your journey doesn’t end here. While the loss of your wife is undoubtedly painful, your skills and knowledge can continue to make a positive impact. Take time to heal, and when you’re ready, explore these avenues. Your guidance and expertise can benefit others, and you can find fulfillment in helping them succeed.
If you decide to charge for your services, ensure that you provide value and maintain empathy toward those seeking your guidance, here are a few suggestions for you.

Career Guidance and Online Mentoring:
Leverage your expertise and experience to offer career guidance and consultancy services. You can charge for personalized advice on career paths, interview preparation, and industry insights.
Consider creating an online platform or offering one-on-one sessions to students and professionals seeking guidance. Your IIT and IIM credentials will add credibility to your services.

Industry and Freelancer Consultancy:
With your extensive industry experience, explore opportunities in industry and government consultancy. Many organizations seek experts to provide strategic advice, process optimization, and problem-solving.
Network with professionals in your field, attend conferences, and explore collaborations. Your insights can be valuable for organizations looking to improve their operations.
If you’re interested in consulting, consider applying to top consulting firms. Firms like McKinsey, BCG, Bain, and AT Kearney recruit from IIMs and other premier institutes.
Consulting involves solving complex, unstructured problems. Your experience can be an asset in this field.

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.
Follow RediffGURUS to Know More on ‘Jobs | Education | Careers’.

Ans: Hello;

With the corpus that you have (5 Cr) you may buy an immediate annuity from a life insurance company and can expect to receive monthly payout of 2.5 L (pre tax)from the very next month. 6% annuity rate considered, if you shop around and negotiate you may get a better rate.

You can opt for increasing annuity to account for inflation and return of purchase price to your nominee, after you.

Ensure good health insurance policy to cover yourself and your parents.

Think about some vocation which you would like to pursue passionately after retirement.

You are seeking retirement from regular 9 to 5 job not from pursuit of your passion/goals.

It could be in the role of an consultant, counselor or educator.

You should take the decision which you feel is appropriate for you irrespective of what people comment because they will comment in any case.

Learn to ignore such people.

Happy Retirement!!