I will retire in 3 years ,in june 2027 & will have a corpus of around 3.5 Cr invested in PPF, EPF ,Supper Annuation Fund & MF . I live in my own flat ,currently market value of Rs 1.8 Cr . I also have an inherited flat from my parent valued at Rs80 lakhs . I need a monthly income of Rs 2.0 lacs after retirement . Please suggest way to invest

Ans: You have mentioned you have been with PSB since 2008 i.e. for the last 16-years (from your age of 33-years. This is your 1st job or you used to work before 33-years of age? Secondly, you have not mentioned about your children, how many children you have? what they are studying now & what about their future education goals? In near future, what all financial obligations you have for your children's studies? You have additional qualifications / certifications related to CA after you joined PSB? Before starting your practice, you should decide what all specailized services you can provide? How to get clients? Through Bank's Networks, will you be able to get clients? Where to set up your office? Finance Required to register your Firm & to meet other expenses? Life & Medical Insurance Coverage for you & for your family members? Please take time & think over all these factors. Once you are confident & have planned well, after taking into consideration these factors, you can go ahead. It is suggested, NOT to resign your current job from PSB, UNTIL you fully set up your CA Firm. All the BEST Sir.

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Ans: Ronak Sir, (1) It is advisable to pursue Graduation in India and work for 2-3 years. (2) Or on the basis of his Academic Performance, His Interest, Co & Extra-curricular Activities, His Personality Traits & Soft Skills Development (during his BTech), you can decide for his Masters Abroad, after his Graduation. (3) Or he can work for 2-3 years and then think about Abroad Education. (4) Just to study abroad, some students / parents choose wrong Streams and spend a lot of money without knowing the job prospects there and / or blindly accept the admission, recommended by the Abroad Education Consultants / Firms (5) Before approaching any Abroad Education Consultant, it is always ideal to make a thorough Research (at least basic research) about the Abroad Universities / its QS Ranking / Job Prosects / Work Permit Rules etc. at the same time, keeping in view the Children's Interest / Personality Traits. (6) Regarding his Civil in IIT-Gandhi Nagar, I suggest not to accept the seat, only because he is getting confirmed admission UNLESS he is very much interested in Civil. (7) Please wait for some more rounds in JOSAA Counselling for any other Streams, he is interested in or prefers. (8) Or alternately, you can try to get admission through Management Quota (MQ ) with any one of the reputed / top-ranked College either in your State or anywhere in India you prefer. Donation / Yearly fees depends upon the College / Stream your son prefers / chooses. (9) If still abroad education is preferred by you / by your Son, you can go ahead with any one of the 2-options based on your preferences of Country / Location / University / Fees Structure / Stream. Ronak Sir, I have clarified your doubts. All the BEST for your Son's Bright Future.

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Ans: Yash. You have NOT mentioned you belong to which State Board? What was your score in JEE? Anyway, You should first decide you want to target State CET Exam or JEE? Syllabus of both JEE & State Entrances will be more or less same. Check & compare last year's Syllabus of both JEE & your State Entrance Exam. Join any good coaching center and prepare well. Please go through one of my answers here where I have clearly provided the PRACTICAL Strategies / Tips / Steps to be followed for JEE/State Entrance / NEET Examinations.

All the BEST for Your Bright Future.

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Ans: Hi,
go ahead with KIIT. It is ranked above bennett.

Ans: Hi,
please share your category & your jee main percentile too. It will help me in shortlisting the college.

Ans: Hi Deepthi,

Navigating the challenges you're facing, from feeling isolated without support from both sides of the family to dealing with emotionally draining neighbors, is incredibly tough, especially as you care for your 8-month-old infant and work on your own recovery.
Firstly, recognize and embrace the support you have from your husband. He is a vital source of strength in your life. Open and honest communication with him about your feelings and struggles can fortify your partnership and help you both tackle these challenges together. Knowing that you have a supportive partner by your side can make a significant difference in how you cope with these pressures.

When it comes to your neighbors, setting boundaries is crucial. You don’t owe them explanations about why your parents and in-laws are not supportive. Politely but firmly let them know that you prefer not to discuss personal matters and that you are managing your situation in your own way. Protecting your emotional well-being from their intrusive questions is essential for maintaining your peace.

Focusing on your recovery is paramount. Taking care of an infant is incredibly demanding, and prioritizing your health is critical. Make sure you are getting enough rest, eating well, and finding small moments to recharge throughout the day. Engaging in activities that bring you joy and peace, whether it’s a hobby, quiet time with your baby, or connecting with supportive friends, can help in your emotional recovery.

To counteract the feelings of isolation, seek out social support. Look for mother-and-baby groups or community activities where you can meet other parents who might be experiencing similar situations. Building connections with others in similar stages of life can provide mutual support and reduce the sense of being alone in your journey.

Building mental resilience is another key step. Practices like mindfulness or meditation can help you stay grounded and manage stress more effectively. Journaling your thoughts and feelings can provide a therapeutic outlet, and engaging with inspiring books or podcasts can offer new perspectives and encouragement.

Regarding your parents and in-laws, it might be beneficial to distance yourself temporarily. Focus on creating a healthy and nurturing environment for yourself and your baby. If interactions with them are causing you stress, consider setting clear boundaries to protect your peace. Communicate your needs and expectations clearly, emphasizing that your primary concern is the well-being of your immediate family.

If the emotional strain becomes overwhelming, seeking professional help is a valuable option. A counselor or therapist can provide a safe space to explore your feelings and offer strategies to cope with your challenges. Professional support can help you build emotional resilience and give you the tools to manage your situation more effectively.

It’s important to recognize and celebrate small wins in your daily life. Every day brings its own set of challenges, but also moments of success. Whether it’s a peaceful moment with your baby, a positive interaction with your husband, or simply making it through a tough day, acknowledging these victories can boost your morale and remind you of your strength and capability.

You are doing an incredible job under very challenging circumstances. Trust in your ability to raise your child and build a happy life. You are not alone; your husband’s support and your own inner strength are your greatest allies. Focus on what you can control, shield your mental well-being from external negativity, and believe in your capacity to overcome these hurdles. With time, patience, and self-compassion, you will find your way forward.

Ans: First, it’s important to acknowledge and understand your feelings. Feeling down about your current situation and the delayed path to marriage is natural. These emotions are valid, and recognizing them is the first step towards addressing them. It's okay to feel disappointed or anxious, and it’s essential to approach these feelings with compassion for yourself.

Take some time to reflect on your expectations around marriage and intimacy. Often, societal pressures set specific timelines and standards that don’t align with everyone’s unique journey. Consider whether the pressure you're feeling is coming from external sources or your own expectations. Understanding this can help you set more personalized and realistic goals that align with your true desires.

Focusing on personal growth and self-care can be incredibly rewarding during this period. Engaging in activities that bring you joy, building new skills, and nurturing your mental and physical health can boost your confidence and overall well-being. This personal development often attracts new opportunities, including potential relationships, by making you feel more fulfilled and self-assured.

Expanding your social circles is another step that can open up new possibilities. Consider joining clubs, attending social events, or participating in online communities that match your interests. These activities can help you connect with like-minded individuals and build meaningful relationships, which could potentially lead to finding a partner.

Seeking professional support can provide valuable guidance and perspective. Talking to a therapist or counselor can help you navigate your feelings of depression, explore underlying issues, and develop strategies to manage your emotions and expectations. Therapy can also help you build confidence and improve your approach to relationships, making you feel more equipped to handle the dating world.

Reflect on how you’re approaching dating and relationships. If marriage is a priority for you, it’s worth considering how you're searching for a partner. Are you clear about your intentions and what you’re looking for in a relationship? You might find it helpful to adjust your approach, whether it’s trying different dating platforms, being more open to meeting people through friends, or exploring matchmaking services.

It’s also important to be patient and open to different possibilities. Relationships often develop when you least expect them, and being patient with the process can alleviate some of the pressure you're feeling. Trust that your journey to finding a partner is unique and unfolding at its own pace, even if it doesn't follow the timeline you had envisioned.

Embrace your past experiences, including those with your friend. They are part of your personal story and contribute to who you are today. These experiences don’t define your future relationships or your worth. Instead, view them as learning opportunities that have helped shape you and prepare you for future connections.

Remember that your value and happiness are not solely tied to being in a relationship or getting married. Focus on building a fulfilling life for yourself, and be open to the relationships that come along the way. Your path to finding a partner is unique, and it’s important to remain hopeful and proactive in creating the life you desire.

Ans: Deciding whether to focus on a relationship or your career, especially with the responsibility of caring for a mentally disabled brother, is a deeply personal and complex decision. Both paths offer valuable opportunities and come with their own sets of challenges.

Caring for your brother is a significant commitment, and it’s natural to feel torn between supporting your family and pursuing your own goals. However, it’s important to remember that you can find a balance. A fulfilling career can provide financial stability and personal growth, which can also benefit your family in the long run. Building a solid professional foundation at 26 can open many doors for your future and give you the resources and confidence to support your brother better.

On the other hand, relationships are a significant part of life. If you find a partner who understands your responsibilities and is supportive of your family situation, it can greatly enhance your life. The right person will respect your commitments and be willing to share in the journey. A healthy relationship can provide emotional support and partnership as you navigate life’s challenges.

It’s also worth considering that you don’t necessarily have to choose one over the other. Many people successfully manage both a career and a relationship by setting clear priorities and finding supportive partners. Think about your immediate and long-term goals and how each path aligns with your values and vision for the future. Reflect on whether you can integrate both aspects into your life with the right planning and support.

You don’t have to make this decision alone. Talking to trusted friends, family members, or a counselor can provide valuable perspectives. They can help you explore your feelings and options, making the decision-making process less overwhelming.

Ultimately, the right choice is the one that feels true to you and aligns with your deepest values and aspirations. It’s crucial to give yourself permission to prioritize your own happiness and well-being, alongside your responsibilities. Whether you choose to focus on your career, pursue a relationship, or find a balance between the two, what matters most is that you make a choice that feels right for you.

Ans: To manage weight gain from stress, try stress-reducing activities like mindfulness, deep breathing, or yoga. Regular physical activity, even in small amounts, can be beneficial. Improve your sleep by establishing a calming bedtime routine and eating balanced, nutritious meals. Sharing your challenges with your partner can strengthen your bond and help you tackle stress together.

By addressing the root causes of stress and adopting a balanced approach, you can manage your weight more effectively and improve your overall well-being.