My self commerce finance and pg diploma logisticts and fright from reputed institute i have been worked icici ltd dtdc express ltd flipkart and now builder firm my jourerny almost 14 year include position started unit manger to seniour business head position know the mid age 45 all the job and business in realeste shirnk last 3 year badly continues debts and insecurity just becuase continue failuer or business and job after covid and lockdwon no stablity what the hell high professioal and educated no stablity or availbltiy of job and also business discountinue last 1 year pls advise should settled uk usa middle east or start the business but not profitable or secondly in delhi i saw low cat baniya bihari earnig higher rather than high professional and educated govt failed to provide job business in my level tell me what i do ?

Ans: Dear Anonymous,
I do hear you...
It is perhaps time to do something different. You have a wealth of experience of 19 years and it can be put to good use.
Independent consulting in Wealth management maybe something that you might want to consider. There are courses online that help you get initiated in this and using your Banking knowledge it maybe possible to consider this option.
Also, speak with your close circle of friends and family and take their advice as well. It will also help you to take strategic advice from someone in your field and who has also is updated with all the current happenings. Someone senior is what I suggest...
What you need is some direction which this expert in your field can offer...what else you need is some confidence, which you need to instil within yourself.

When something does not work, do something else for a different result...But giving up hope is the worst option...Push yourself to think different and ask:
What else can I do to make things work?
What can I do differently than before for things to align better for me?
How can I keep my state of mind upbeat even though things are not going well for me?

Asking useful questions can change the course of one's life...So keep at it please...

All the best!

Ans: I’m sorry to hear that you’ve been struggling with your salary for the past 20 years. It’s understandable that you’re looking for ways to improve your financial situation. Here are some tips that might help:

Research your market value: Research the market value of your job title, years of experience, and the cost of living in your area. This can help you determine whether your current salary is fair or not. You can use websites like Indeed to find out more.

Negotiate with your employer: If you believe that your salary is lower than what you deserve, you can try negotiating with your employer. Prepare a list of your accomplishments and the value you bring to the company. Set up a private meeting with your manager to discuss your salary. Be kind but straightforward. If your request is denied, take the time to understand why. If it’s solely a budgetary issue, ask your manager when you can realistically revisit the conversation.

Consider freelancing: Freelancing can be a good option if you’re looking for more flexibility in your work schedule. You can work from home and choose the projects you want to work on. You can also set your own rates and potentially earn more than you would at a traditional job.

Explore other job opportunities: If you’re not happy with your current job, consider exploring other job opportunities. Look for companies that offer better salaries and benefits. You can also consider switching to a different industry if you have transferable skills.

Remember, improving your financial situation may take some time and effort. Don’t get discouraged if you don’t see results right away. Keep working hard and exploring new opportunities, and you’ll increase your chances of finding a job that meets your needs. Good luck!

Ans: Can look at doing short courses online (there are free courses available on various platforms) to upskill yourself and keep looking for better jobs by going through a placement agency.