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Torn Between Wife and Mother: Can This 32-Year-Old Man Find a Solution?

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Dec 09, 2024Hindi
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Relationship

I'm 32M, married. Mine one's an arranged marriage. Since starting the equation between my wife and my mother is not good. I work in a govt job and was posted elsewhere. I got the opportunity to get transferred to my hometown but my wife threatened me to give divorce if I want to live with my mother. I tried to convince her but she did not listen. Pressurized by this I got myself transferred to a different place. This guilt is killing me inside that I'm not a good son and not taking care of my old age mother while I had the chance. I know I made a mistake. Plz help.

Ans: What you’re experiencing is not about being a “bad son” or a “bad husband,” but rather about being caught in a situation where compromises feel inevitable. You made a decision under pressure, but that doesn’t mean it’s irreversible or that you’ve failed in your responsibilities. You’re human, and it’s okay to feel conflicted while trying to manage such complex relationships.

Consider opening a dialogue with your wife again, but this time, approach it with calmness and empathy. Share your feelings with her—not as a demand or a confrontation, but as an expression of your inner struggle. For example, you could say, “I’ve been feeling torn because I want to be a good husband and also take care of my mother in her old age. This is important to me, and I’d like us to find a way where both relationships can thrive.” By framing the conversation this way, you’re inviting her to understand your perspective rather than pressuring her to agree with you.

It might also help to explore compromises. Could you visit your mother more often or ensure she has a strong support system nearby? Could your wife’s concerns about living with your mother be addressed through clear boundaries or adjustments that make her feel more comfortable? Understanding her reservations can open the door to finding solutions that work for both of you.

At the same time, work on forgiving yourself for the decision you made under difficult circumstances. Guilt is a sign that you care deeply, but it shouldn’t paralyze you or define your worth. Instead, use it as motivation to create a plan that honors both your mother and your wife in ways that are practical and sustainable.

Seeking guidance from a counselor or therapist could be immensely helpful in navigating these emotions and improving communication between you and your wife. A neutral third party can help both of you feel heard and respected while working toward a resolution.

Remember, you’re not alone in this. Many people face similar challenges in balancing their roles within a family. What matters most is your willingness to approach the situation with compassion, patience, and a commitment to finding a path forward that respects everyone involved—including yourself.

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 29, 2024

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Relationship
I am 42 years old, working in a PSU bank for 11 years. I have my Mother at home who is 73 years and retired state govt. Officer. My Father passed away in 2013 just after I joined my job. He was a state govt. Officer. I am married and have one son 8.5 years old studying in class 4. My wife is working in state govt. She often leaves my home with our son and goes to her father's place which is just near to my house because of minor issues like any hot talk with me. She has no problem with my Mother. We had a love marriage and we dated for 13 years and in 2015 got married. I am a family bound guy but when wife leaves me, I and mostly my Mother falls into trouble due to all household works are to be done by her as I have minimum time in the morning to help her. Our maid left one months back. I am searching one but not getting. Last year I and my wife stayed apart for 9 months in total, not at a time but in two parts. I sent her lawyers letter 3 months back after she left me in January this year. She came back 2 months back and left again after one month. I really miss my son and wife when they are not with me. My Mother also miss her grandson and becomes hopeless. I can't find any solution to this. Please suggest what will I do. I have lots of pressure at workplace and not satisfied with my job too as bank has lots of problems these days. I think of leaving job to support my Mother. I will leave job surely if something odd happens to my Mother. My Father took 3 words from me before death to Look after Mother, to look after house and to look after the house belongings. Already I am unable to keep all 3 words properly. I feel guilty of myself. Please guide me about my career and family life.
Ans: Dear DP
Navigating your current situation requires a strategic approach that balances your professional and personal responsibilities. Communication is key. Have an open and calm conversation with your wife to understand her perspective and express your concerns without assigning blame. Counseling can be beneficial here, offering a neutral space to discuss underlying issues and improve your relationship dynamics.

Supporting your mother is equally important. While searching for a permanent solution for household help, consider temporary alternatives such as part-time assistance or community support services. Engage your mother in local senior activities to provide her with social interaction and support.

Addressing your job dissatisfaction is also crucial. Explore other roles within your bank or in other PSUs that match your skills but offer a less stressful environment. Professional development can open new career opportunities. Taking regular breaks, practicing mindfulness, and ensuring a work-life balance can help manage your stress levels.

By focusing on these areas—open communication with your wife, practical support for your mother, and exploring less stressful job options—you can work towards a more stable and fulfilling family and professional life.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2025

Asked by Anonymous - May 12, 2025
Money
I am 38 years old and self-employed, earning an average of 1.8 to 2 lakhs per month. I have a home loan of 44 lakhs (EMI is 46,000, tenure 15 years). There is no other liabilities. My investments include 11 lakhs in mutual funds, 3 lakhs in fixed deposits, and 1.5 lakh in gold. Should I focus on prepaying the home loan given my irregular income, or keep my investments intact and continue with EMIs?
Ans: You are doing quite well, especially with your investments and controlled liabilities. Your financial discipline is truly appreciable.

You are 38, self-employed, with Rs.1.8 to 2 lakhs monthly income.
Your current home loan is Rs.44 lakhs with EMI of Rs.46,000 for 15 years.
You have Rs.11 lakhs in mutual funds, Rs.3 lakhs in FDs, and Rs.1.5 lakhs in gold.
Your income is irregular, but you have no other liabilities.

Let us now do a 360-degree evaluation of whether to prepay the loan or stay invested.

 

Step-by-Step Financial Assessment
1. Evaluate the Stability of Your Income First
You earn between Rs.1.8 to Rs.2 lakhs per month.

 

But income is irregular. That needs caution.

 

Loan EMI is Rs.46,000 — about 25% of your average income.

 

If income drops in any month, EMI pressure will increase.

 

So we must first ensure EMI is always affordable, without stress.

 

Hence, liquidity is more important for you right now than aggressive loan prepayment.

 

2. Evaluate Your Emergency Reserve
You have Rs.3 lakhs in FD and Rs.1.5 lakhs in gold.

 

That makes it Rs.4.5 lakhs total liquid safety.

 

Your EMI is Rs.46,000, and personal expenses will also be there.

 

Ideal emergency fund for you = 6 to 9 months of expenses + EMI.

 

That is around Rs.6 to Rs.8 lakhs minimum.

 

So current emergency fund is slightly lower than ideal.

 

Please don’t use this for loan prepayment now.

 

3. Assess the Role of Mutual Funds
You have Rs.11 lakhs in mutual funds. That’s a solid step.

Now let’s assess whether to redeem this and prepay loan.

 

Should You Redeem Mutual Funds to Prepay?
Mutual funds, over long term, give better post-tax return than loan savings.

 

Loan interest is 8% to 9%, whereas mutual funds can give 11–13% in long term.

 

Especially if funds are equity-oriented and held for 5+ years.

 

You will also get capital gains tax exemption on Rs.1.25 lakhs LTCG annually.

 

If you redeem funds, you lose growth potential and compounding.

 

That hurts long-term wealth building.

 

So, do not redeem the entire Rs.11 lakhs in mutual funds.

 

4. Disadvantage of Early Loan Prepayment in Your Case
Prepaying early will reduce interest over time, yes.

 

But you may run into cash flow stress in slow months.

 

Once money is used to prepay, it cannot be taken back easily.

 

Liquidity once lost = flexibility lost.

 

Also, income tax benefit under Section 24(b) gets reduced if loan balance drops.

 

So it’s better to maintain balance between repayment and investment.

 

5. Best Strategy for You – A Balanced Approach
Let’s now craft the best plan for you.

 

Maintain Strong Liquidity First
Keep FD and gold untouched.

 

Increase emergency fund to at least Rs.6–Rs.7 lakhs.

 

For that, set aside extra Rs.2.5–Rs.3 lakhs from savings over time.

 

This makes your EMI safe even in low-income months.

 

Continue Your Mutual Fund SIPs Without Stopping
SIPs give long-term growth and beat loan interest in most cases.

 

Don’t stop mutual fund investments to prepay loan.

 

Stay invested. Let wealth compound.

 

Start Small and Periodic Prepayments
Don’t do bulk prepayment now. Do systematic small prepayments.

 

For example, Rs.25,000 to Rs.50,000 extra every 3–4 months.

 

When income is higher, use that surplus to prepay in parts.

 

Target 1–2 bulk part-payments per year.

 

This reduces tenure and interest slowly, without affecting liquidity.

 

Track Your Loan Amortisation Every 6 Months
Use netbanking or get a fresh loan statement every 6 months.

 

Check how each prepayment is reducing principal.

 

Adjust your strategy accordingly.

 

Avoid One-Time Full Prepayment
That would kill your long-term investment compounding.

 

Also removes your income tax benefit under Section 24(b).

 

Stay flexible. You are self-employed.

 

You need cash buffers more than salaried people.

 

Final Insights
Do not do bulk home loan prepayment from mutual funds now.

 

Keep SIPs going and maintain your compounding.

 

Grow your emergency fund to Rs.6–7 lakhs minimum.

 

Use surplus months to make small part-payments towards home loan.

 

This protects your peace and builds wealth at the same time.

 

Reassess in 2–3 years. You may be able to prepay more later.

 

You are already in a good financial position. Your thoughtful approach is praiseworthy.

 

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2025

Money
i wish to purchase new car i10, should i purchase the same through own money or should i take a vehicle loan from bank and the money own by my to be kept as FDR or liquid mutual fund
Ans: It’s a good sign that you’re thinking before buying a car. You’re not rushing into it. That shows maturity and smart thinking.

We will now evaluate own money vs vehicle loan — from every angle.

 

Understanding the Nature of a Car Purchase
A car is not an investment.

 

It is a consumption asset, not a growth asset.

 

It depreciates every year. Its value goes down, not up.

 

So the cheaper the total cost, the better for your wealth.

 

Option 1: Use Own Money Fully
Pros

No interest cost. You save on total expenses.

 

You are free from monthly EMI pressure.

 

Car becomes fully yours from day one.

 

No need to deal with bank, forms, hypothecation etc.

 

Cons

Your liquid money reduces.

 

You may not have enough cash for emergencies.

 

Opportunity loss if you had invested that money.

 

Option 2: Take Vehicle Loan & Keep Own Money in FDR or Liquid Mutual Fund
Let’s evaluate this with care.

Vehicle Loan Pros

You can preserve your savings for emergencies.

 

EMI can be budgeted monthly, if income is stable.

 

Some banks offer competitive interest rates.

 

Vehicle Loan Cons

You will pay interest on a depreciating item.

 

Loan adds to your monthly obligations.

 

You must pay insurance, EMI, fuel, and service together.

 

FDR and Liquid Mutual Funds give lower returns than loan cost.

 

So you will likely lose more in interest than you gain.

 

Let's Compare: Interest Rate vs Investment Return
Vehicle loan interest is usually 9% to 11% per year.

 

FDR gives around 6% to 7% before tax.

 

Liquid mutual funds give 6% to 7.5% on average.

 

So you pay more to the bank than you earn from investment.

 

Tax on interest or gains reduces actual return further.

 

This means taking a car loan and investing your own money leads to net loss.

 

Best Option for You: Smart Compromise Approach
Let me share a wise solution.

 

Don’t use full own money. Don’t take full loan either.

 

Instead, pay 70–80% from own funds.

 

Take a small car loan for the remaining 20–30% only.

 

This keeps EMI low and retains some liquidity.

 

You reduce interest cost and also keep Rs.50,000–Rs.1 lakh aside.

 

Park that in liquid fund for any urgent need.

 

Repay this small loan fast in 1–2 years.

 

Only Take a Car Loan If:
Your job income is stable.

 

You already have 3–6 months emergency fund ready.

 

You don’t have big loans running now.

 

You can pay EMI without affecting savings.

 

You commit to close the loan early.

 

Avoid This Mistake:
Never buy a more expensive car because loan makes it “feel affordable.”

 

Loan should not expand your car budget.

 

Whether you buy with loan or cash, pick a simple car within limits.

 

i10 is a wise, middle-ground choice. Good thought.

 

Tax Angle (If Business Use)
If you are using the car for business, vehicle loan interest may be tax-deductible.

 

But for personal use, there is no tax benefit.

 

So do not take loan just for imagined tax saving.

 

Final Insights
A car is a need, not an investment.

 

Using your own money fully keeps things simple and cheap.

 

Taking a full car loan and investing the money gives net negative return.

 

Best option is a split approach — pay major part from own funds.

 

Take small loan only if needed and close it early.

 

Always keep emergency money aside before buying.

 

Avoid emotional buying or overbudget cars.

 

Your financially balanced approach is very appreciable.

 

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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