EPF: What happens to my savings if I move abroad or leave my job?

Ans: Hi,

You can easily achieve your goal of 2.5 crores after 10 years. Your current investment value of 82 lakhs alone can grow to 2.5 crores assuming CAGR of 12% and monthly 50k SIP will give additional 1.1 crores, making a total corpus of 3.6 crores at 58.

But I see a problem with your current allocation. The fund selection is more aligned towards small caps of different AMCs and very concentrated and overlapped portfolio.
You need to diversify it so as to secure your current investment while getting a decent CAGR of 12% over next 10 years.
Focus on changing your current funds to large caps and BAFs and flexicaps and avoid sectoral funds.

You can also work with an advisor to get detailed analysis of your portfolio.
Hence you should consult 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.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Surya,

You are in a very complicated situation. This whole debt trapped needs to be worked on very judiciously. Let us go through all the aspects in detail.

1. Your total monthly household salary - 86000; monthly expense - 10000 contribution as of now; monthly EMI - approx. 1 lakhs.
2. Current loans - 36.5 lakhs from various banks at 12.5%; Gold Loan - 14 lakhs; private lenders - 2 lakhs at 18% >> totalling to 52 lakhs.
3. 50k interest per month payable - implies capital payment is very less leading to more problem.

- Keen on buying gold with loan. This is where more problem will began. Avoid buying gold using loan.
- Your focus should be on reducing your debt instead of increasing it.

Strategy to follow:
1. Close the loan with higher interest rate - 2 lakh personal lender. This will reduce your EMI and give you more potential to prepay other loans.
2. Try and take financial help from your family in prepaying small loans from banks. This can reduce your burden.
3. If you have any unused assets, can sell them to pay off your loans.

Points to NOTE:
> Avoid taking any more loans.
> When your EMI burden reduces, do make an emergency fund of 2-3 lakhs for yourself for any uncetain situation.
> Make sure to have a health insurance for yourself and family.
> Can stop your investments for now. They are of no use if your EMIs are more than your income. Can start investing once your EMI's reduce atleast by 20-30% for you.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Suprabhat,

Let us analyse all things in detail - one at a time.
1. 5L in Bank and FD - this is your emergency fund. But if there is a lock-in on the postal FD, you need atleast 5 lakhs in bank FD as your emergency fund.
2. Health Insurance - it is the prime requirement for you and your family. You should have one covering you, your spouse as well as your kid. It will help you in uncertain health conditions of youself and family.
3. ULIP Policy - Usually policies like such are not beneficial. But these are all paid-up, good point here. Whenever you get this, try to invest it in equity and hybrid mutual funds.
4. You will get 41 lakhs from property selling. Invest the entire amount in mutual funds, a mix of equity and debt funds.
5. Cumulative MF portfolio = 1.05 crores. As the entire corpus is huge, take the advice of a proper advisor on managing your overall investments and portfolio. A guided investment always generates better result than a random portfolio.

Your annual needs - 12 lakhs; Wife will earn - 3.5 lakhs till 2037. You need additional 8.5 lakhs per year to manage your expenses.
- You can initiate a SWP from your overall savings after allocating it in correct funds with the help of advisor.
- You need to have a dedicated corpus for your son's need in your absence. Atleast 50-70 lakhs should be kept solely for your son.
- The overall corpus seems insufficient to meet your requirements for now. You can either postpone your retirement and create an additional savings corpus for your future and son. Or you may consider to work on your monthly budget.

Do work with a professional advisor to guide you with exact funds to meet your desired goals.
Hence consult 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.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: it must be in your dmat, and if not then wait for some time till it reflects with the new name.

Ans: First, let me say this clearly: you are not worrying “too much.” Your concerns are valid. When emotional connection, affection, and curiosity about each other’s inner worlds are absent for years, and when secrecy enters the relationship, it naturally shakes trust. The fact that she is emotionally engaging with a past love, hiding communication, and expressing regret about marrying you — even if not directly to your face — is not a small or harmless thing. It doesn’t automatically mean she will leave, but it does mean there is unresolved emotional business that cannot be ignored.
At the same time, it’s important not to jump straight to extremes like divorce or silent resignation. Right now, the most important thing is clarity — for you and for her. Living as silent roommates while carrying this knowledge will slowly erode your self-worth and peace of mind. You deserve honesty, and your marriage deserves a chance to be examined truthfully, not just maintained for appearances, family reputation, or routine.
If you choose to speak to her, the way you approach it will matter far more than the fact that you looked at her phone. Try not to lead with accusation or surveillance. Lead with your emotional reality. You can say something like: you’ve been feeling emotionally distant for a long time, you feel you’re always the one initiating closeness, and recently you’ve felt even more unsettled and insecure about where you stand in her life. You don’t need to reveal every detail of what you saw immediately; the goal is to open a conversation about emotional honesty, not to trap her in a confession.
Pay close attention to how she responds. Not defensiveness alone, but whether she shows willingness to reflect, to talk about her inner world, and to consider rebuilding emotional intimacy with you. A marriage can sometimes be repaired even after emotional betrayal — but only if both partners are willing to be transparent and actively work on reconnecting. If she avoids the conversation, minimizes your feelings, or continues secrecy, then you will have important information about where the marriage truly stands.
It’s also worth acknowledging something gently but honestly: your wife may have spent years emotionally closed not because of you alone, but because she never fully processed the loss of that earlier relationship. Her recent independence and success may have stirred unresolved emotions and old longings. That explains her behavior, but it does not justify secrecy or emotional infidelity. Understanding this can help you speak with compassion without sacrificing your boundaries.
Before making any legal decisions, I strongly encourage you to consider couples counseling, ideally with someone experienced in long-term marriages and emotional affairs. A neutral space can help both of you speak truths that feel too risky at home. It will also help you understand whether she wants to stay and rebuild, or whether she is emotionally preparing to leave.
As for “accepting your fate,” I want to be very clear: accepting a life where you feel invisible, undesired, and emotionally alone is not a virtue. It is a slow form of self-erasure. Your children benefit most not from parents who silently endure, but from adults who model honesty, self-respect, and emotional responsibility.
You don’t have to decide everything right now. But you do need to stop carrying this alone. The next step is not divorce or resignation — it’s an honest, calm, courageous conversation focused on emotional truth. From there, the path forward will become clearer, even if it’s difficult.

Ans: This is not a small preference issue. This is about personal boundaries and bodily autonomy. Even if nothing “bad” has happened, the fear of being walked in on is enough to make your body stay tense. That anxiety alone can affect your sense of dignity, desire, and emotional security. The fact that his ex-wife divorced him over the same issue tells you that this pattern is longstanding and not something you are imagining.
Your husband and his parents may frame this as “safety” or “emergency access,” but that argument does not hold when weighed against your right to privacy. Emergencies are rare; violations of comfort are happening now. A locked door during intimacy does not mean negligence—it means respect. Many families manage emergencies with simple alternatives like knocking, calling out, or keeping keys for true emergencies. What’s happening instead is that your need for privacy is being minimized, and you are being asked to suppress discomfort for the convenience of others.
The incident with his sister casually entering is especially important. Even though you were clothed, your body registered that as a boundary breach. The fact that it was brushed off is likely reinforcing your fear that this could happen again. Over time, this can quietly erode trust and sexual comfort—not because you’re “overthinking,” but because your nervous system is constantly on alert.
You need to shift the conversation with your husband away from “adjustment” and toward non-negotiable boundaries. This isn’t about arguing logic; it’s about stating a clear emotional and physical limit. You might say something like:
“I cannot feel safe or comfortable being intimate without privacy. This isn’t something I can adjust to. If intimacy continues without a locked door, I will start avoiding it—not out of punishment, but because my body feels unsafe.”
That’s not a threat. That’s honesty.
If the room layout is genuinely impractical, then the solution is not for you to tolerate discomfort, but for the household to change logistics—restricted access at night, fixed timings, or creating a private space. Privacy is a shared responsibility, not a burden placed on one person to endure.
If your husband continues to dismiss this after you clearly express it, that’s a deeper issue than doors. It signals a lack of attunement to your emotional safety, and that deserves serious attention—possibly with a counselor, especially given that this issue has already broken a marriage before.
You are not asking for something unreasonable. You are asking for respect.

Ans: Dear Work,
Focus in any area of Life comes only when you realize WHY you are doing WHAT you are doing in that area.
For eg: If you decide to lose weight and just randomly join the gym without understanding WHY you are in the gym, a few days later, you will drop out. Mind you, that LOSING WEIGHT is not your reason; WHY do you want to lose that weight is the only thing that will keep you focused and motivated.
Hence, if you are giving into short term distractions, then obviously whatever it is that you are doing is not interesting you and so you get easily distracted.
Take one area of your life at a time; drop your goals in paper and mark a strong WHY against each. If it isn't motivating you enough, go back to the Drawing Board and do the exercise until you find that fire in your belly.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
Obviously you come from a family where the value systems on what their children should and should not wear are clear. What's the point fighting that? The more you rebel, the more they are going to think that things are getting out of hands where it concerns you. They might blame your friends, the movies that you watch, the food that you eat as reasons for why you are the way that you are or how you might become...

What you can try is get a few of your friends home; your mother maybe able to see and understand that what youngsters wear these days does not define who they are or become later in life. Certainly no point talking but if she maybe able to see for herself, she may loosen the grip a bit on what you wear...it's worth the effort!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
Nightmares can be a result of worries, anxieties, fears or insecurities...
It maybe worth your time to consult someone who can teach you to relax through Meditation and other methods and it's possible that you might be able to get to the source of what causes you to wake up with these nightmares.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/