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Sunil

Sunil Lala  | Answer  |Ask -

Financial Planner - Answered on Oct 13, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
Syed Question by Syed on Sep 22, 2023Hindi
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Hi Sunil. I am 49 & planning to retire at the age of 55yrs. Can you please guide me and help me get a monthly income of 1.25 lakh? how much I need to invest on a monthly basis.

Ans: You need a corpus of approx 2.5 crores to get 1.25 Lakh monthly. To create 2.5 crores you need to invest 1.41 crores today or SIP of 2.55 lakh in an equity fund
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |7635 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Asked by Anonymous - Oct 30, 2023Hindi
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Money
Hi sir, Now I am 24 and I need a fix monthly income of 3+ lakhs by the age of 50 yrs. How much did I need to invest on monthly basis?
Ans: Achieving a fixed monthly income of Rs 3 lakhs by the age of 50 is a commendable goal. Given your current age of 24, you have a 26-year investment horizon. This long-term horizon allows for strategic planning and disciplined investing to reach your target.

Understanding Your Financial Goal
To generate a fixed monthly income of Rs 3 lakhs, you need a substantial retirement corpus. The exact amount will depend on the assumed rate of return and inflation. Generally, a well-planned investment strategy can help achieve this target.

Importance of Starting Early
Starting your investments early is beneficial. Compounding plays a crucial role in wealth accumulation. The longer your money is invested, the more it grows, making it easier to achieve your financial goals.

Estimating the Required Corpus
A fixed monthly income of Rs 3 lakhs translates to Rs 36 lakhs annually. Assuming a conservative withdrawal rate of 4%, you would need a retirement corpus of approximately Rs 9 crores. This corpus can sustain withdrawals while preserving capital.

Monthly Investment Requirement
To reach a corpus of Rs 9 crores in 26 years, regular and disciplined investments are essential. Based on historical returns of diversified equity mutual funds, you can estimate the required monthly investment. Assuming an annual return of around 12%, you need to invest a significant amount monthly.

Choosing the Right Investment Avenues
Diversification is key to managing risk and achieving stable returns. Here are some recommended investment options:

Equity Mutual Funds: These funds offer high returns over the long term. Diversify across large-cap, mid-cap, and small-cap funds to balance risk and return.

Hybrid Funds: These funds invest in both equity and debt. They provide stability and moderate returns, making them suitable for long-term goals.

Debt Funds: While offering lower returns, debt funds provide stability. They should form a smaller portion of your portfolio to reduce overall risk.

The Benefits of SIPs
Systematic Investment Plans (SIPs) are an effective way to invest regularly. SIPs help in rupee cost averaging and reduce the impact of market volatility. Investing a fixed amount monthly ensures disciplined savings and wealth accumulation.

The Role of Actively Managed Funds
Actively managed funds are preferable over index funds for long-term goals. Fund managers actively select securities to outperform the market. This active management can potentially provide higher returns, aiding in faster accumulation of the required corpus.

Disadvantages of Direct Funds
Direct funds require self-management and in-depth market knowledge. Without professional guidance, it can be challenging to make informed investment decisions. Investing through regular funds with the assistance of a Mutual Fund Distributor (MFD) and a Certified Financial Planner (CFP) offers professional advice and personalized strategies.

Regular Review and Rebalancing
Regularly review your investment portfolio to track performance. Rebalance your portfolio periodically to maintain the desired asset allocation. This involves shifting investments from overperforming to underperforming assets to stay aligned with your financial goals.

Professional Guidance
Engage with a Certified Financial Planner (CFP) for personalized advice. A CFP can help in selecting the right funds, managing risks, and ensuring that your investment strategy aligns with your long-term financial goals.

Inflation and Its Impact
Inflation erodes purchasing power over time. Your investment strategy should aim for returns that outpace inflation. Equity investments generally offer inflation-beating returns, making them essential for long-term wealth creation.

The Importance of Financial Discipline
Consistency is crucial in achieving financial goals. Stay committed to your investment plan, even during market downturns. Financial discipline ensures steady progress towards your target corpus.

Building a Contingency Fund
Maintain a contingency fund to handle unexpected expenses. This ensures that your primary investments remain intact, and you don’t have to liquidate assets prematurely.

Tax Planning
Consider the tax implications of your investments. Opt for tax-efficient investment options to maximize returns. Long-term capital gains from equity funds are tax-advantaged, making them a suitable choice for long-term goals.

Conclusion
Achieving a fixed monthly income of Rs 3 lakhs by the age of 50 is attainable with disciplined investing and strategic planning. Start early, diversify your investments, and seek professional guidance. Regular review and rebalancing of your portfolio will ensure you stay on track and maximize your returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Nov 15, 2023

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Money
Sir I am going to retire in next 3yrs. How much amount I need so that I can get monthly income of Rs70000. And where I should invest those money. Please advice
Ans: To calculate how much money you need to retire with a monthly income of Rs. 70,000, we need to know the following:

Your current age
Your desired retirement age
Your expected rate of return on your investments
Your desired lifestyle in retirement

Assuming that you are currently 51 years old, plan to retire at age 54, have a life expectancy of 20 years after retirement, and expect a 6% rate of return on your investments, you would need to have a retirement corpus of Rs. 75 lacs approx as of now which become approx. 1 Cr. after the 3 years at the time of your retirement to generate a monthly income of Rs. 70,000 for 20 years after retirement upto the age of 74 years.

As for where to invest your money, there are a number of options available, depending on your risk tolerance and investment goals. Some popular options include:

• Senior citizen savings scheme (SCSS): This is a government-sponsored savings scheme that offers a guaranteed interest rate of 8.2% per annum.
• Post office monthly income scheme (POMIS): This is another government-sponsored savings scheme that offers a monthly income to investors. The current interest rate is 7.40% per annum.
•Annuity plans: Annuity plans provide investors with a guaranteed income stream for a set period of time or for life.
• Debt mutual funds: Debt mutual funds invest in a variety of fixed-income securities, such as government bonds and corporate bonds. They offer relatively low risk and stable returns.

..Read more

Ramalingam

Ramalingam Kalirajan  |7635 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 30, 2024

Money
Hi, i am 24 years old and currently my salary is 15k, and i wanted to retire at the age of 45 and at that time i wanted to have at least saving of 8cr. So could ypu please suggest that how much should i have to earn monthly and where to invest money and how much money should i have to invest so that i can get the desired result.
Ans: Great to see your enthusiasm for planning your future. Planning for retirement early is a smart move. I'll guide you on how much you should save and invest to reach your goal of Rs. 8 crores by age 45.

Assessing Your Current Financial Situation
At 24 years old with a monthly salary of Rs. 15,000, you are at the start of your financial journey. Your dedication to planning for retirement shows maturity and foresight. Let's break down how you can achieve your financial goals.

Setting Clear Financial Goals
You aim to retire at 45 with Rs. 8 crores in savings. This is a significant amount, and achieving it requires disciplined saving and smart investing.

Importance of Increasing Your Income
Currently, your salary is Rs. 15,000 per month. To reach your retirement goal, you'll need to increase your income over time. Consider pursuing additional qualifications or skills to enhance your career prospects. Look for opportunities to advance in your current job or explore higher-paying positions.

Savings and Investment Strategy
To accumulate Rs. 8 crores, you'll need to save and invest consistently. Here's a step-by-step guide:

Step 1: Build an Emergency Fund
Before investing, create an emergency fund. This fund should cover 6-12 months of your expenses. It provides a safety net for unexpected expenses or job loss. Keep this fund in a savings account or liquid mutual funds for easy access.

Step 2: Start with SIPs in Mutual Funds
Systematic Investment Plans (SIPs) in mutual funds are a great way to start investing. SIPs allow you to invest a fixed amount regularly, providing the benefits of rupee cost averaging and compounding. Start with a small amount and gradually increase it as your income grows.

Step 3: Diversify Your Investments
Diversification reduces risk and enhances returns. Spread your investments across different asset classes. Consider investing in a mix of large-cap, mid-cap, and small-cap mutual funds. Diversifying ensures you benefit from different sectors and market conditions.

Benefits of Actively Managed Funds
Actively managed funds can outperform index funds by leveraging the expertise of fund managers. These managers make investment decisions based on market analysis and trends, potentially yielding higher returns. While index funds passively track a market index, actively managed funds aim to beat the market.

Avoid Direct Funds
Direct funds require a good understanding of the market and regular monitoring. They can be time-consuming and risky for inexperienced investors. Instead, invest in regular funds through a Certified Financial Planner (CFP). A CFP can provide personalized advice and manage your investments, ensuring optimal returns.

Importance of Regular Investments
Consistent investing is key to reaching your goal. Set up automatic transfers to your SIPs and other investments. Treat your investments like any other monthly expense. This discipline will ensure you stay on track.

Review and Adjust Your Portfolio
Regularly review your investment portfolio. Market conditions and personal circumstances change over time. Adjust your investments based on these changes. A CFP can help you with this, providing expert advice and keeping your portfolio aligned with your goals.

Tax Efficiency
Consider the tax implications of your investments. Tax-efficient investing can significantly enhance your returns. Invest in instruments that offer tax benefits under Section 80C, like Equity-Linked Savings Schemes (ELSS). ELSS funds have a lock-in period of three years and offer potential for high returns.

Avoid High-Risk Investments
While high-risk investments can offer high returns, they also come with the risk of significant losses. Avoid speculative investments and focus on long-term, stable growth. A diversified portfolio of mutual funds provides a balanced approach to risk and return.

The Power of Compounding
Compounding is your best friend when it comes to building wealth. The earlier you start investing, the more time your money has to grow. Reinvest your returns to benefit from compounding. Over time, even small investments can grow significantly.

Balancing Current Needs and Future Goals
It's important to balance your current financial needs with your future goals. Create a budget to manage your expenses and savings effectively. Ensure you live within your means while setting aside money for investments.

Building Financial Discipline
Financial discipline is crucial. Avoid unnecessary expenses and debt. Live frugally and save diligently. Track your spending to identify areas where you can cut costs. This discipline will help you save more and invest consistently.

Seek Professional Advice
A Certified Financial Planner (CFP) can provide valuable guidance. They can help you create a personalized financial plan, recommend suitable investments, and monitor your portfolio. Their expertise ensures you make informed decisions and stay on track to reach your goal.

Investing in Your Education
Investing in your education and skills can significantly increase your earning potential. Higher income allows you to save and invest more. Consider part-time courses, certifications, or degrees that can enhance your career prospects.

Staying Informed
Stay informed about financial markets and investment opportunities. Read financial news, attend seminars, and join investment forums. Knowledge empowers you to make better investment decisions.

Emotional Resilience
The market will have ups and downs. Stay emotionally resilient and avoid making impulsive decisions based on short-term market fluctuations. Stick to your long-term investment plan and consult your CFP for guidance during volatile times.

Avoiding Common Pitfalls
Avoid common investment mistakes like chasing high returns, timing the market, or following the crowd. Stay focused on your goals and follow a disciplined investment strategy.

Final Insights
Reaching your goal of Rs. 8 crores by age 45 requires a strategic and disciplined approach. Increase your income, save diligently, and invest wisely. Diversify your investments, avoid high-risk and direct funds, and leverage the expertise of a Certified Financial Planner. Stay informed, resilient, and committed to your financial plan.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Milind

Milind Vadjikar  |917 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Jan 17, 2025

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7635 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2025

Asked by Anonymous - Jan 26, 2025Hindi
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Money
I am 66 years old and retired and have one daughter married and well settled and has 2 children aged 5 years son and 3 years daughter. I have no liabilities and have a family income of Rs.3 lakhs per month thru rental. My monthly expenses is Rs 50 K per month and annual payments of medical, vehicle and property tax is Rs.3.25 Lakhs. I have direct equity invested around 1.2 CR and Invested in PMS now valued at Rs.85 Lakhs. I have plot valued at 1.6 CR and 2 independent house valued at 3cr. I have a commercial property which gives me above rental is valued at Rs.5 CR. Now kindly advise me how i should investment my earnings which will help my daughter and 2 grand children for for their future education. My above income is after paying the taxes to the government. I lead a simple life and travel every year 2 times.
Ans: Your financial position is strong with no liabilities.

Monthly rental income of Rs. 3 lakhs covers your expenses and lifestyle.

Monthly expenses of Rs. 50,000 and annual expenses of Rs. 3.25 lakhs leave ample surplus.

You have diversified assets, including equity (Rs. 1.2 crore), PMS (Rs. 85 lakhs), real estate (Rs. 9.6 crore), and regular rental income.

You lead a simple life, which allows significant potential for wealth accumulation and legacy planning.

Investment Goals
Your primary focus is to:

Ensure financial security for your family.

Support your daughter and grandchildren’s education and future needs.

Maintain sufficient liquidity for personal travel and unexpected medical costs.

Recommendations for Asset Allocation
1. Equity Investments
Your current direct equity portfolio (Rs. 1.2 crore) and PMS (Rs. 85 lakhs) are commendable.

Direct equity requires active tracking and expertise.

Shift part of your direct equity to regular mutual funds through a Certified Financial Planner.

Regular funds offer professional management and long-term growth.

Retain PMS if it meets your return expectations and aligns with your risk appetite.

2. Emergency Fund
Allocate 6–12 months of expenses to liquid funds.

This ensures liquidity for unexpected expenses or emergencies.

Investments for Daughter and Grandchildren
1. Education Fund for Grandchildren
Start investing in child-focused mutual funds for their education.

Choose regular funds through an experienced Certified Financial Planner.

These funds offer professional management and goal-based growth.

Systematic Investment Plans (SIPs) in equity funds can help accumulate the required corpus.

2. Legacy Fund
Invest in diversified mutual funds for wealth creation.

Choose a mix of large-cap, flexi-cap, and balanced advantage funds.

This portfolio can grow steadily while preserving wealth.

Real Estate Diversification
Avoid further investments in real estate.

Real estate is illiquid and challenging to manage during retirement.

Liquidate one property if diversification is needed.

Use the proceeds to invest in mutual funds or bonds.

Fixed Income Options
Consider investing in corporate bonds or debentures for steady income.

Choose bonds rated “AAA” for safety.

Avoid annuities as they provide low returns and limited flexibility.

Tax-Efficient Planning
Review tax-saving strategies with a Certified Financial Planner.

Equity investments (LTCG above Rs. 1.25 lakh taxed at 12.5%) are tax-efficient.

Ensure proper tax documentation for real estate and rental income.

Track PMS returns and tax implications yearly.

Liquidity and Annual Expenses
Set aside Rs. 25–30 lakhs in a liquid fund.

This covers your annual travel, property taxes, and medical expenses.

Keep medical insurance for yourself and your family updated.

Succession and Estate Planning
Create a will to ensure smooth asset transfer.

Include clear instructions for property distribution.

Discuss creating a trust for your grandchildren’s education and future needs.

Travel and Lifestyle Funding
Use rental income surplus to fund annual travel.

Avoid withdrawing from long-term investments for discretionary expenses.

Final Insights
You have built a strong financial foundation.

Focus on simplifying investments for better management.

Diversify and invest in professionally managed mutual funds.

Plan for family needs with a balanced approach to risk and growth.

Regularly review your portfolio with a Certified Financial Planner.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Kanchan

Kanchan Rai  |507 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 26, 2025

Asked by Anonymous - Jan 26, 2025Hindi
Relationship
He ma'am, Me and my husband are of same age 35 and its been 5yrs we got married but we don't have physical relationship at all my husband says we don't have intimacy, I forced home to visit doctor and the blood reports says all okay, as per his saying cause I don't understand the medical terms much....but if everything is okay medically still he never tries to come closer earlier we tried but he use stop in between before having sex and run to washroom and sit there for long ...and this was becoming mystry for me,bi asked him he said everything is fine it will take time and everything will be fine earlier he use to use washroom for long but now he does not .....in expectation that things will become better I wasted my 5 yrs. As a person he is good but as a husband he is lacks i wated my carrier as I am not getting any job in perticular city, and with is I started feeling useless as I had dreamt of living peaceful and happy life with him but everything went wrong no love, no emotional support, no physical intimacy no carrier nothing. I shared this with my mother in law as he was behind me for baby so one day I told her that we don't have physical relationship so please don't expect baby he didn't believe me but later on she started believing but she didn't take any action she is quite...how will I survive in this environment when I don't have reason to live...my husband support my family financially and because of that I not able to take any step..I feel suffocated at my in-laws place, I don't like to stay there he just makes me happy by shopping, watching movies that it but is this enough for the happy relationship. I was so friendly with him that I said that let me know what there in your mind you don't like me he said no I like you...then I asked him then why you don't want to get physical I started getting self-doubt on myself, he said you don't respond while sex but you tell me in 5 years we hardly tried 6-7 time and I responded him but he use to run to washroom in mid of play what would I do then I tried giving him hints for having sex but he use to ignore now you say that in 5 yrs of period we didn't has sex then don't you think there's major issue and when I say we should visit doctor then he says I have medical proof that I am physically fine... coming on my MIL part she used our bedroom toilet though we have 2 washroom out is western so she uses ours so there is no privacy our bedroom is never locked because of my MIL when I Iock my husband gets early in morning and open the lock for my MI, please tell me is this right every now and then she comes in our room and interfere in our conversation, her this behaviour feels like she is insecure about his son as FIL is more...I discuss with my husband that atleast we should have our privacy so he says yes but take no action...he does commitment but never fulfills...basic expectations I have from him that if not physical then atleast spent time with me, let's go and explore place he says yes but never go, I agreed on every point I lived according to my MIL she is selfish instead of knowing all problem she just want fasting for his son, making food what he likes, doing puja for his son success...you tell me in return I am not getting anything still I kept on doing my best to prove best bshu and best wife but no good change... I going through anxiety, stress, depression because of this I lost my confidence, no carrier nothing....now I decided to look for job in other city and thing for my mental peace and become independent because staying with him in 5 yrs didn't bring good changes instead I lost myself in my making them happy...what should I do please help ...he say that I don't want weekend wife now you tell me why I not think of myself now he says, I want to stay with you but if there is not change after so many try then it's useless he always says will work this out but it never happened, I tried my best.now I said will look for job in other city and will meet in weekend spend time together, and I will be there in all your worst situation. But now I can be jobless and asking for money everytime from him....he thinks money is the solution for all.He says no weekend wife how long this will work then but he is not giving me any choice, he says though I want to stay with you but if weekend wife the seperation is only option no divorce but seperation please guide *regarding physical relationship, *regarding my MIL interference despite of knowing everything, no privacy, her insecurity *And my decision of taking job in other as I am not getting opportunity in same city, staying together is also brings no change. Pls suggest.
Ans: The issue with the lack of physical intimacy is not simply about the act itself; it represents a disconnect in your relationship. Your husband's avoidance of intimacy and his reluctance to fully address the matter, despite your efforts, suggest deeper underlying challenges—perhaps emotional, psychological, or situational. While you’ve already taken steps by opening conversations, it’s clear that progress has stalled because this isn’t something you can resolve on your own. A professional intervention, such as couples therapy or sex therapy, could provide a neutral ground to explore these concerns. Presenting this option to him as an opportunity to strengthen the relationship rather than assign blame might help him feel less defensive. However, his willingness to engage will be a critical measure of his commitment to addressing these long-standing issues.

The lack of boundaries with your mother-in-law is another significant stressor that’s undermining your marriage and your mental peace. A healthy relationship requires a sense of security and privacy, which has been compromised by her interference. While it’s natural to want to maintain respect within a family, your husband’s inability or unwillingness to enforce boundaries is enabling a dynamic where you feel powerless and overlooked. The fact that you’ve expressed your concerns and seen no action suggests that waiting for change may not lead anywhere. You need to clearly communicate to your husband that privacy is not negotiable for the survival of your relationship. If he continues to prioritize his mother’s comfort over your peace, it will remain a barrier to the intimacy and connection you’re seeking.

The decision to pursue a job in another city reflects your need to reclaim control over your life and mental well-being. This isn’t just about financial independence—it’s about rediscovering your sense of purpose and confidence after years of feeling stuck. Your husband’s opposition to the idea of a “weekend wife” underscores his resistance to change, but his reluctance to address the core issues in the relationship leaves you with no alternative. Staying in this environment without progress will only deepen your feelings of suffocation and self-doubt. Choosing to prioritize your career is not a failure of the relationship; it’s a necessary step to protect your own mental health. You’ve already demonstrated immense patience and effort over the past five years, and now it’s time to invest in yourself.

As a coach, I would encourage you to focus on actionable steps: seeking therapy for clarity, setting non-negotiable boundaries with your husband regarding privacy and mutual respect, and pursuing your professional goals with confidence. By stepping into a space where you feel empowered, you’ll be in a better position to assess whether this relationship can evolve into the partnership you deserve. It’s important to remember that you’re not walking away from the marriage by making these decisions—you’re simply ensuring that your needs and well-being are no longer sidelined.

...Read more

Kanchan

Kanchan Rai  |507 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 26, 2025

Asked by Anonymous - Jan 26, 2025
Relationship
He ma'am, Me and my husband are of same age 35 and its been 5yrs we got married but we don't have physical relationship at all my husband says we don't have intimacy, I forced home to visit doctor and the blood reports says all okay, as per his saying cause I don't understand the medical terms much....but if everything is okay medically still he never tries to come closer earlier we tried but he use stop in between before having sex and run to washroom and sit there for long ...and this was becoming mystry for me,bi asked him he said everything is fine it will take time and everything will be fine earlier he use to use washroom for long but now he does not .....in expectation that things will become better I wasted my 5 yrs. As a person he is good but as a husband he is lacks i wated my carrier as I am not getting any job in perticular city, and with is I started feeling useless as I had dreamt of living peaceful and happy life with him but everything went wrong no love, no emotional support, no physical intimacy no carrier nothing. I shared this with my mother in law as he was behind me for baby so one day I told her that we don't have physical relationship so please don't expect baby he didn't believe me but later on she started believing but she didn't take any action she is quite...how will I survive in this environment when I don't have reason to live...my husband support my family financially and because of that I not able to take any step..I feel suffocated at my in-laws place, I don't like to stay there he just makes me happy by shopping, watching movies that it but is this enough for the happy relationship. I was so friendly with him that I said that let me know what there in your mind you don't like me he said no I like you...then I asked him then why you don't want to get physical I started getting self-doubt on myself, he said you don't respond while sex but you tell me in 5 years we hardly tried 6-7 time and I responded him but he use to run to washroom in mid of play what would I do then I tried giving him hints for having sex but he use to ignore now you say that in 5 yrs of period we didn't has sex then don't you think there's major issue and when I say we should visit doctor then he says I have medical proof that I am physically fine... coming on my MIL part she used our bedroom toilet though we have 2 washroom out is western so she uses ours so there is no privacy our bedroom is never locked because of my MIL when I Iock my husband gets early in morning and open the lock for my MI, please tell me is this right every now and then she comes in our room and interfere in our conversation, her this behaviour feels like she is insecure about his son as FIL is more...I discuss with my husband that atleast we should have our privacy so he says yes but take no action...he does commitment but never fulfills...basic expectations I have from him that if not physical then atleast spent time with me, let's go and explore place he says yes but never go, I agreed on every point I lived according to my MIL she is selfish instead of knowing all problem she just want fasting for his son, making food what he likes, doing puja for his son success...you tell me in return I am not getting anything still I kept on doing my best to prove best bshu and best wife but no good change... I going through anxiety, stress, depression because of this I lost my confidence, no carrier nothing....now I decided to look for job in other city and thing for my mental peace and become independent because staying with him in 5 yrs didn't bring good changes instead I lost myself in my making them happy...what should I do please help ...he say that I don't want weekend wife now you tell me why I not think of myself now he says, I want to stay with you but if there is not change after so many try then it's useless he always says will work this out but it never happened, I tried my best.now I said will look for job in other city and will meet in weekend spend time together, and I will be there in all your worst situation. But now I can be jobless and asking for money everytime from him....he thinks money is the solution for all.He says no weekend wife how long this will work then but he is not giving me any choice, he says though I want to stay with you but if weekend wife the seperation is only option no divorce but seperation please guide *regarding physical relationship, *regarding my MIL interference despite of knowing everything, no privacy, her insecurity *And my decision of taking job in other as I am not getting opportunity in same city, staying together is also brings no change. Pls suggest.
Ans: The issue with the lack of physical intimacy is not simply about the act itself; it represents a disconnect in your relationship. Your husband's avoidance of intimacy and his reluctance to fully address the matter, despite your efforts, suggest deeper underlying challenges—perhaps emotional, psychological, or situational. While you’ve already taken steps by opening conversations, it’s clear that progress has stalled because this isn’t something you can resolve on your own. A professional intervention, such as couples therapy or sex therapy, could provide a neutral ground to explore these concerns. Presenting this option to him as an opportunity to strengthen the relationship rather than assign blame might help him feel less defensive. However, his willingness to engage will be a critical measure of his commitment to addressing these long-standing issues.

The lack of boundaries with your mother-in-law is another significant stressor that’s undermining your marriage and your mental peace. A healthy relationship requires a sense of security and privacy, which has been compromised by her interference. While it’s natural to want to maintain respect within a family, your husband’s inability or unwillingness to enforce boundaries is enabling a dynamic where you feel powerless and overlooked. The fact that you’ve expressed your concerns and seen no action suggests that waiting for change may not lead anywhere. You need to clearly communicate to your husband that privacy is not negotiable for the survival of your relationship. If he continues to prioritize his mother’s comfort over your peace, it will remain a barrier to the intimacy and connection you’re seeking.

The decision to pursue a job in another city reflects your need to reclaim control over your life and mental well-being. This isn’t just about financial independence—it’s about rediscovering your sense of purpose and confidence after years of feeling stuck. Your husband’s opposition to the idea of a “weekend wife” underscores his resistance to change, but his reluctance to address the core issues in the relationship leaves you with no alternative. Staying in this environment without progress will only deepen your feelings of suffocation and self-doubt. Choosing to prioritize your career is not a failure of the relationship; it’s a necessary step to protect your own mental health. You’ve already demonstrated immense patience and effort over the past five years, and now it’s time to invest in yourself.

As a coach, I would encourage you to focus on actionable steps: seeking therapy for clarity, setting non-negotiable boundaries with your husband regarding privacy and mutual respect, and pursuing your professional goals with confidence. By stepping into a space where you feel empowered, you’ll be in a better position to assess whether this relationship can evolve into the partnership you deserve. It’s important to remember that you’re not walking away from the marriage by making these decisions—you’re simply ensuring that your needs and well-being are no longer sidelined.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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