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31-Year-Old Woman Rejected After Investing Time and Emotion: What Should She Do?

Ravi

Ravi Mittal  |701 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 07, 2025

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Asked by Anonymous - Apr 06, 2025Hindi
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Relationship

Hi, I'm 31yrs old lady from India, my parents are searching for marriage proposals for me since 4yrs, but due to numerous reasons like different career or dowry or my appearance, none were successful. And I din invest my time in knowing about the past proposals personally. However, recently my parents came to me with a proposal- guy settled abroad and told me he will talk to me. Before I tell yes I researched about how I can relocate to the place where he is by contacting the different institutions from his place as our both career fields were totally different I knew he won't be on much help if I have to get job aftr marriage at his place in abroad. In the meantime, he had texted me, whenever he texts it will be on weekends..and first time when he texted I had replied 2hrs late bcz of our different time frame in our locations. But after i replied his message came aftr few hours telling he is not well so he will call later. So his next text was a week later on weekend. That day since I was busy for half a day, we spoke aftr my work. The call lasted for 30min with basic Convo about our job, hobbies, culture at his place etc. and the call ended with him telling we shall talk again and he ll inform his parents abt our talk. It was voice call, we saw each other only in photos. So I waited again for a week for his call or text but I was told by my dad that his dad informed that they won't proceed further. Now, here I am invested my talk and thoughts for nearly 3-4weeks and thinking abt my future with him, in addition I liked the guy because of his politeness and understanding nature and was hoping for this proposal to work. Now, even aftr a month of this rejection, I am still hoping for a miracle to happen and he comes back to my life. I am hoping he can try to understand me better before telling no. I want to know the reason for his rejection too. I have the urge to reach out to him, text him and ask his reasons and to ask if there is any chance to change it to yes. What should I do?

Ans: Dear Anonymous,
I understand it must be confusing- you spoke to him and from your perspective, things went smoothly and yet they dropped the proposal abruptly. But here’s the catch- it might not have been the same experience for him. As you mentioned, you had basic conversations; is it possible that he was hoping to connect with you more in the three weeks’ time? We can’t say for sure what was the reason, but one thing I can tell you is that you deserve someone who does not need convincing to marry you. I know you were invested in him, but it is much better to lose those three weeks than settle for a marriage where both partners are not on the same page. Please understand your worth. I can’t stop you from contacting him or asking them what went wrong, but I can certainly advise you against it. You will get better alliances. Also, I want you to understand that you are only 31; you are still so young. Do not settle for anything less than the one who's best for you!

Best Wishes.

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Shalini

Shalini Singh  |185 Answers  |Ask -

Dating Coach - Answered on Apr 17, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Hi Mam, I wanted to keep it anonymous. I am 26years old female, my parents are looking for a suitable alliance for me. They came with a proposal from a guy's family and they wanted to have a formal meet in a temple. We all met in the temple the guy's family looked good they talked in a nice manner myself and the guy had a seperate conversation. Before going his parents told that he is an introvert and wont speak much. while we went to talk i was the one asking him questions and he only replied for that and inturn asked me the same question. I am an extrovert so i did the most of the talking part i didnt wanted to make the convo boring without answering anything so i was coming up with new questions. We spoke for around 10-15mins and then went to the place where our parents were sitting, his parents asked me to tell the answer immediately but i told them that i will tell the decision once i reach home. His parnets talked to him seperately and asked him the decision and he said yes it seems. We left the temple then, after two days when my parents asked me what was my decision i told them that though he is a nice guy i cant see him as my partner and if were to marry him that would be for your happiness i will not be able to marry him whole heartedly was my answer, then my parents spoke to his parents and told that if you want to talk to him again meet him somewhere and then talk and decide. I thought okay lets give it a try and said yes, we met after a week in a cafe. He initially asked me about my work and then i asked the same after that again he didnt speak much, i always wanted my partner to speak and have fun conversation with me. Though its our second meet i wanted him to atleast talk little bit that the first one but he didnt do much talking part. I was again talking and we left after 30mins. My parents were trying to convince me a lot, i told them that my intuition doesn't work with this guy(I am firm believer of intuition i have been doing things based on my intuition only) but my parents were trying to convince me telling you dont know what you want we will only know what you want, you will be happy if you marry this guy. But my soul doesnt want to marry this guy it seems im not able to accept my parents convincing words. If i were to marry him that will only be my parents choice and not my choice. What should i do now?
Ans: Well, this conversation requires a discussion - but I will attempt responding based on what you have shared. You should know introverts take time in opening up...and that should be respected. Its possible when you know each other, he may still not open up with others, but with you he is talkative. What is bothersome here is you intuition, your 6th sense - which makes you uncomfortable - question it, why do you think that is the case. If I was in a similar situation I would have asked to meet this gentleman 3-4 times more - and would observe more and talk less :)....maybe listen more and ask fewer questions. If you do meet him ask him what is making him say yes. Let him know that it bothers you that he responds in short sentences. But after that play games together - from board games to games like 3 things you wish to have in your partner to 3 qualities you wish you partner works upon. You need to answer this as well. Ask him his 3 strengths and share yours, share personality traits you need to work on and ask his.....keep the conversations light and fun....and then question your intuition again...and if it does not agree then do what works for you. Make parents sit down and explain it to them without getting emotional or raising your voice. Hope this helps.

..Read more

Anu

Anu Krishna  |1766 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 11, 2024

Asked by Anonymous - Jun 05, 2024Hindi
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Relationship
Hi ma'am, thank you so much for helping people with your answers. My question Im 27, F I met a guy through arranged marrage proposal, initially was not very ok because of which I postponed telling my decision for 2 weeks. Then we both spoke and i said yes, next week he called my father and said he is looking to get married to someone who is financially rich, I was totally taken back because when he spoke he seemed very genuine and promising i called and spoke to him he says he is still in growing state so he needs some financial aid from his inlaws, i said I have a job I can support him, he said give me a weeks time to decide, next week he called me and said he is ok with the marriage in the ground that I will work and support, I SAID HIM PLS ALLOW ME SOMETIME TO DECIDE, AS THIS IS NOt SCHOOL, COLLEGE OR JOB DECISIONS. When I called after 1 week he is not taking my calls, by my sentance i meant school, college or job can be left if not interested but marriage is not like that. Am wondering if he understood this as what if this girl has multiple relationship in school/college/job... And am assuming he did not take my call for this statement of mine? Please help me come out of this confusion, are my words very stupid? My family is scolded and blaming me because I delayed it for 2 week.. Mentally exhausted with all the arranged marriage rejection...and is it worth to get married at 27?? Awaiting for your answers
Ans: Dear Anonymous,
I am glad that he is out of this equation...
Which mature man will act the way that he did simply because you requested for time? And then now, you are wondering if it was your fault?
What sort of condition was that about wanting financial aid from his future in-laws? A marriage under any condition will not work as it depends on things external. Where is the time to build trust and love when there are superficial conditions present?
You have not been rejected, you have rescued yourself from a relationship with an immature man. So, pat yourself in the back and value yourself first.
The right person who will appreciate you will come along...start to appreciate yourself...

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

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Ravi

Ravi Mittal  |701 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 01, 2024

Asked by Anonymous - Jun 29, 2024Hindi
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Relationship
Around 2022, I got a marriage proposal from a mutual acquaintance of a guy who us also known to my family . At that time I was in a relationship with someone else so my family told that I am currently focusing on my studies . But recently , I am single and saw his account on social media . We started chatting with each other and I realised that we are conpatible in many aspects . But after some days ... my mother started pressuring me that they will start to see marriage prospects for me. Also I felt that he also feels the same for me because how he talked to me... So out of pressure ,I asked him and told about my feelings for him and told why it will be profitable if we consider ourselves as a couple .He told that he has a lot of pressure from his family to settle for a well paying job (though he is working in a private company)and also wants to focus on his passion too. Also he had brojen his heart 2 times. Although he assured that he is not saying no and also he would think over this proposal and would give me an answer . But the next day I saw he blocked me from social media . I would have appreciated if he had an open communication with me as I had the same . Btw now he is 27 and I am 23 .
Ans: Dear Anonymous,

I am very sorry to hear that you had to go through this. Some people do not have the emotional maturity to say a simple no or speak their truth. He might not have wanted to make things awkward or thought he was sparing you some pain but ultimately that isn't the case. But the important thing to remember here is that his action reflects on him and what kind of a person he is; it does not highlight your worth. I know it hurts right now, but it will get better and you will find someone who loves you.

Best Wishes.

..Read more

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Reetika

Reetika Sharma  |541 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 12, 2026

Money
Sir, How can we reduce the Commision on Regular MF ?What is Steps to avoid the Tax if wants to Switch from Regular to Direct?.
Ans: Hi Amit,

Your concern regarding commision in regular funds is quite genuine and common these days due to the misleading content shared by some people.
You should understand that a whilst regular funds have comparatively lower expense ratio than direct funds, and this has risen to the direct fund popularity. But in actual a direct fund portfolio is only good if you know all ins and out of the market, have proper knowledge and knows the correct way to invest perse your individual profile.

There are few benefits of regular fund portfolio which is highly overlooked:
- a professional builds your portfolio keeping in mind your detailed profile, funds selction are done based on your risk profile
- a professional knows the best time to invrease your investments, to hold and to shift. They constantly monitor the same and periodically review them

And a regular fund portfolio definitely beats the direct fund portfolio made with random tips and zero or less knowledge.
Hence I would not suggest you to switch from regular to direct funds if you are working with a professional.

Also switching from regular funds to direct will attract tax, there is no way to avoid the taxation.

However, you can get your portfolio reviewed from another advisor and ask them to guide you to make necessary changes.

If you do not have an advisor, connect with 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/

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Naveenn

Naveenn Kummar  |249 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Feb 11, 2026

Asked by Anonymous - Dec 11, 2025Hindi
Money
Hi there, I am 53 years and retiring on 31/12/2025. I hvae a daughter and son, both studing and un-married. I am curently holding mutual fund (investment only) of around 15lacs. I am doing a SIP of 12000/- PM. Beside this, i have an equity investment of 15.50 lacs. I do have 65lacs in FD and the same amunt is expected upon retirement. I have a own house and there is no loan obligations currently. i have another 50lacs given to relatives and there is no timeline when I will be receiving this amount. I have around 100000 monthly expense and ofcourse the marriage expenses of my daughter and son in next 3-4 years. Kindly advise the best strategy and utilization of funds. Thank you.
Ans: Hi sir ,
You are entering a very sensitive financial phase where protection of capital becomes more important than aggressive growth. At the same time, you still have 30 plus years of life expectancy to fund, along with two large near-term goals children’s marriages and ongoing household expenses. So the strategy has to balance income, liquidity, and moderate growth.

Let me break this down in a practical way.

1. Where you stand today

Assets available / expected

Mutual Funds approx 15 lakh

Direct Equity approx 15.5 lakh

FD 65 lakh

Retirement proceeds expected approx 65 lakh

Money given to relatives 50 lakh uncertain timeline

Own house no loan

Total financial assets (excluding relatives money)
~160 lakh

If relatives repay, corpus rises to ~210 lakh but we should not depend on it for planning.

2. Monthly expense reality check

You mentioned ?1,00,000 per month = ?12 lakh per year.

Assuming 6 percent inflation, this expense will double in ~12 years.

So retirement planning must create income + growth, not just fixed income.

3. Immediate financial buckets to create

Think in 4 separate buckets instead of one pool.

A. Emergency + Liquidity bucket

Keep 18–24 months expenses.

?20–25 lakh
Park in:

Savings + sweep FD

Liquid / money market funds

Purpose: medical, family, urgent needs without breaking investments.

B. Marriage funding bucket (3–4 years)

Do not keep this in equity markets due to time risk.

Estimate requirement realistically. Suppose:

Daughter marriage 25–30 lakh

Son marriage 20–25 lakh

Total say 50 lakh

Park in:

Short duration debt funds

Bank FD ladder

RBI bonds

Capital safety is priority here.

C. Income generation bucket

This is the most critical post-retirement engine.

From your corpus, allocate ~70–80 lakh.

Options mix:

Senior Citizen Saving Scheme (SCSS)

Post Office MIS

RBI Floating Rate Bonds

High quality Corporate FD

Debt mutual funds with SWP

Target blended return: 7–8 percent.

This can generate ?45k–?55k monthly income.

D. Growth bucket (Long term)

You still need equity to beat inflation.

Allocate 25–30 lakh minimum.

Continue SIP (even post retirement if possible).

Suitable allocation:

Large Cap funds

Balanced Advantage / Dynamic Asset Allocation

Multi Asset funds

Time horizon: 10–20 years.

This bucket funds late retirement and healthcare inflation.

4. What to do with existing investments
Mutual Funds (15 lakh)

Keep invested. Review fund quality. Shift to:

Balanced Advantage

Large Cap / Flexi Cap

Avoid small cap concentration now.

Direct Equity (15.5 lakh)

Gradually reduce risk.

Move profits into hybrid funds or debt over 12–18 months. Do not exit in one shot to avoid tax and timing risk.

5. Retirement corpus deployment illustration

Here is a simple structure using your ~160 lakh corpus:

Bucket Amount Purpose
Emergency 25 L Liquidity
Marriage 50 L 3–4 yr goals
Income 60 L Monthly cashflow
Growth 25 L Inflation hedge

If relatives repay 50 lakh later:

Add 20 lakh to growth

Add 15 lakh to medical reserve

Add 15 lakh to income bucket

6. Monthly income gap

Expense: ?1,00,000

Income possible:

SCSS + MIS + Bonds: ~?50,000

SWP from debt / hybrid: ~?20,000

Equity dividends / growth withdrawal later: ~?10,000–?15,000

Gap may still exist initially.

So you may need:

Part time income / consulting (even ?25k helps)

Delay large withdrawals till age 60 when senior schemes expand

7. Important risks to manage
Healthcare

Take a family floater + super top up if not already.

Longevity risk

Plan till age 90, not 75.

Relatives money

Treat as “bonus”, not retirement funding.

Document repayment if possible.

Inflation

Do not over-allocate to FD.

That is the biggest mistake retirees make.

8. Action checklist

Finalize marriage budget realistically

Create 2-year emergency fund

Invest in SCSS immediately after retirement

Restructure equity to hybrid orientation

Continue SIP from surplus if feasible

Arrange health insurance buffer

Write a will and nominations

...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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