Thanks Krishna, last time I had asked a question related to work and your answer helped me. However, I would like to get one more suggestion about my career. I am in a high paying job close to 50lac+ per annum and I am very unhappy, it requires excess learning, pressure, politics to be dealt with & many other challenges. I have 20+ yrs of experience. I would like to pursue remote jobs and probably settle for 50% less or even more lesser salary and pursue mid-career jobs that is not so stressful and allows me to live peacefully to an extent. I am tired of keeping up these high profile jobs due to personal reasons such as health, family and many such issues. What would you suggest ?

Ans: Dear

At the outset let me express my gratitude to you for putting up your question. It's indeed very profound.

First and foremost, your personal health is of foremost importance. Nothing should come in between that.

Secondly, money is essential but it's like the fuel not the engine.

Thirdly, work we must because it makes us fulfilled but we should not let work define our identity.

Fourthly, family commitment is our responsibility never run away from that.

Finally, spiritual journey or pursuing hobbies should not be taken up because we feel frustrated with some other things in life. They should be an end in itself.

I can feel what you are going through because many are in a similar situation like you but they don't have clarity or courage to accept that. So cheers to you for being aware of your situation and accepting it.

Here are few thoughts that I would share, however please take them as pointers and not as an advise, because we all have our own emotional disposition. That's why I believe an advise that may work for one person will not work for another because we all have our own emotional state and that defines the way we feel after taking certain decisions.

1. Slow down...you may want to ask your company to make you contractual with reduced responsibility and pay or you can take up contractual assignment with some other companies. In today's cost cutting environment companies would prefer that.

2. Talk to your spouse about your current state, let me tell you our spouse has a better feel of what we should and should not do. Moment you talk to your better half world of options will open. But more than that you will realise that you have someone in life who cares for your well being...that feeling is what we all need...someone caring for us.

3. Give up the notion of self identification through work. After salary that's the biggest drug that keeps us going in a job. We can't see ourselves outside of work as if we are born to work.

Lastly pray to God seeking guidance and clarity, trust me prayer is very powerful because it makes us calm and it's the calm mind that gives clarity.

Wishing you the very best. Trust me you will be alright soon.

With Love
Krishna

Ans: Please avoid capital letters throughout your question. After working for 4-5 years, Do BUSINESS which will be of your interest. All the BEST.


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Ans: Hi Sujal
Please give more details about (1) Qualifications (2) Liking and (3) Financial position etc. Then it would be possible for us to guide you properly.
Your question is very vague and seems that you are in a lot of confusion stage.

If you are not satisfied with the reply, pl ask again without any hesitation.
If satisfied, please like and follow me.
Thanks

Radheshyam

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!!

Ans: As only 1 subject is pending, try and clear that subject and get MBA degree. Simultaneously check what area you are interested in doing your career, do short term courses and look out for relevant jobs..