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Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
D Question by D on Apr 06, 2022Hindi
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Relationship

Hi I am 23 years old and had a first relationship with 4 years younger boy.
Everything between us was picture perfect. He was everything I ever dreamt of, but after 1 year our relationship turned toxic.
He's acting like he wasn’t aware that ups and downs come but we should stick to each other.
He asked to break up twice and we again came together but now it’s been months we aren’t together anymore.
I’m emotionally attached to him but tired of bearing this pain and constantly fearing he will leave me when conditions aren’t favourable. 
But after break up he still wants to be friends. I even agreed that.
Even in friendship he's talking and roaming as per only his convenience.
Guide me how to come out of pain as I’m pursuing one of the renowned career course and also this also is affecting my mental health.

Ans:

Dear D,

Emotional maturity is what is in question here. He still is at an age where commitment is not something he is aware of.

It’s like try this relationship, if it doesn’t work, try another one and so on….

Give him time to settle his emotions till he is ready for a committed relationship; which does not mean, you wait around for ever.

Now that you are ‘friends’ or not, please surround yourself with people your age and if an interesting person comes along, see where that goes.

As far as being attached to him goes, do you really want to continue to inflict pain on yourself by basing your entire emotional world with him?

The world is huge and so are your sights…. Focus on yourself and what you love and be in that space to find yourself again.

Be kind to yourself, all the best! 

You may like to see similar questions and answers below

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

Relationship
Dear Mam I am 22 years old and today I want to share my story of heart break and I really want to know what I can I do better to make myself happy. I started dating this a guy in 2017 and I was madly in love with him. Everything for me was about him. Since I was living in a hostel I used to feel alone sometimes. Initially our relationship was normal. Then one day I went for a trip with him and we got physical for the first time. Somehow, I got attached to him more after that. I started calling him to my hostel to spend time with me. Meanwhile I faced some personal problems in my life. Those days were really bad and I used to suffer a lot. He was there for me always. He never made me feel alone in the city. I used to go to my family every year and then lockdown happened. I was stuck in my hometown. I had a fight with him and I just cut the call. From that day onwards his behaviour towards me changed.The very next day he went out with another girl and posted pictures. I was hurt. I didn't know what to say, I was in self-doubt mode but his behaviour started changing towards me.In the beginning, he said when you will come back I cannot come and stay with you. I agreed to it. Then he said I cannot meet you every weekend cause I want to make other plans as well. Slowly I understood that he wants me to stay away from his life. He went for a party with the girl late in the night and that triggered me very badly. I fought with him. I guess that was the moment he was waiting for. He said that he doesn't want me anymore and broke up. I kept begging him not to leave me but it seemed like he was dying to leave me. I was completely shattered. On 15th January he left me. Even after leaving he continued texting me. I was trying my best to control my feelings and I tried giving him the space he deserved. Still he kept texting me. He was not able to stay away from me. My vacation got over and it was my time to go back. This was the most difficult part coz this time I knew that he won't be there for me, and I have to survive alone. Once while coming back from my home town to my work town I texted him. He said that he is with the girl and he is drunk. I couldn’t sleep that night. I was shivering. I was broken. When I entered the city I was shivering cause I was not ready for the consequences. I didn't meet him because he went for a trip with that girl and got physical with her. He always maintained that it’s only after he left me that he got involved with someone else. He wanted me to be a part of his life somehow so he kept calling and texting me. Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays. I really didn't understand what was he up to. Meanwhile I went through her profile and came to know that she’s a little suspicious. One day I got the opportunity to tell him about it. He said come and meet me. He was drunk and we got physical. That time I checked his phone and saw the messages he’d shared with her. I was broken again but this time I texted her through his phone to please take care of him. That girl got angry and made things worse. Instead of making sure that he is alright she locked horns with him. He blamed me for losing her. I told him that my existence in your life is not good. Let's just not talk to each other. Next day he again texted me requesting to meet. In the evening when I went to meet him he was a completely changed person. He treated me very well, gave me his phone and made me feel special. Somehow he came back to me and started giving me the importance I was craving for. Today he is with me and pampers me. He has stopped doing certain things which he used to do but I get the importance.Despite all this, I am a bit insecure and scared because of what I have gone through in the past. Can you please tell me what to do?
Ans:

Dear SR,

Read this sentence that you have written:

“Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays.”

Do you not feel used and powerless?

How are you able to allow someone to treat you in such a disrespectful manner?

Did the two of decide to become friends and support one another in your respective relationships, like the way you stood by and watched him date this other girl while he walked into your life seeking approval?

Open your eyes please. The other girl is no longer in his life and he wails and comes back to you and now you are wondering what you should be doing?

If this was your sister or a best friend going through the same thing, will you tell them to put up with this toxic behaviour or will you ask them to take charge of their lives?

Will you tell them to love themselves more and reclaim their power or wait meekly to pick up scraps as and when the guy threw them around?

Stand up for yourself girl; at least he will think before trying this game with another girl.

Do the right thing by just being YOU and loving yourself more.

All the best!

..Read more

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

Relationship
Dear Love Guru, From where should I begin? It's a rather complex one. Well, I was in a 6-year-old long distance relationship (we met on Facebook) it was a good one and he was the best friend I thought I wanted. Over the years though, I started seeing a controlling streak in him in whatever I did. Though we were only connected online but applications like Discord, having access to my accounts and passwords became a tool to keep tabs on me. I had no privacy of my own and the sad part, I didn't even realise it was toxic. He had taken hold of a lot of aspects of my life and I didn't even realise how unhealthy it is. It was last year when I lost my mother (having lost my father years back) when life hit me. I was completing first year of my MBA programme when this tragedy occurred. Her passing amidst the COVID 2nd wave was terrorising, to say the least. Thankfully, I had gem of friends who were there throughout. It was amidst this that I realised that there was an element of control in the support he provided. He didn't understand the magnitude of what I was going through and always undermined my efforts. There was no respect in him for me and for me there was no love left (when I introspect now I think I was more in love with idea of love rather than loving him) but I didn't realise this because I was so habituated with him. My MBA summer internship started and I was paired with this batchmate who was also a classmate. I didn't know him because COVID ensured that first year of PG is completely online. When I first met him. I found him to be stiff, rude and cribbing. I didn't realise he was an introvert. Eventually, I started warming up to him with us travelling almost two months together there developed a thickness. We bonded over our shared state, food and sadness of losing our mothers. I didn't even realise when I started getting attracted to him and neither did he. But when I did the first thing that I did was to break up with the guy I was with because for the first time in six years I was tilting towards someone else and I knew that this was it for us. The break-up was long, tiresome and hurtful for both of us. I hated hurting him but I couldn't be with him and suffocate myself any longer. We tried to wish each other well but then when has all this been anything but ending up in a train wreck and now we don't have any contact with each other. I keep him in prayers and wishes because I know he is not a bad human being it's just that I allowed him to walk over me and he kept on doing it without realising what he is doing is mental abuse. But it's not the story of me and my ex. It's the story of the guy I have come to love. The rude, stiff and cribby guy… who knew he would turn out be this sensitive, loving and appreciative soul. I got what I always wanted from someone I loved: respect, trust and appreciation. It's not like I don't have fights with him or arguments but there is a dialogue at the end. He understands where he went wrong and so do I. I am finally in a happy, healthy relationship. The only issue here is we both are from two different religions, I am H and he is M. This often makes me feel that there is a timer to us. We are two highly educated people from urban India, completing our post-graduation from one of India's top B-schools with great placements in hand and still the noose of society and religion is tied around our neck. I try not to think of us in the long term but I am on that side of 20s now that settling down is always on my mind. Especially after losing my parents, I often crave a family that is my own. There is also a hint of loss hovering over me. I still haven't moved on from losing my mother and I don't think I ever will. But last one year has been a roller coaster ride with major decisions and incidences. How do I wrap my head around all of this? Now, here I am between love, life and ambitions. Asking you what to do? Where to go? Which road should be taken? Regards, R PS: Please ensure anonymity.
Ans:

Dear R, religion plays as big or as small a role in your life as you wish it to.

If either of you is overtly religious and tries to force your beliefs on the other, then yes, it can prove a problem.

If religion inside a home doesn’t matter, then intermarried couples usually have years of happy celebrations together of all festivals, their children follow both customs and everything works out well. And I have seen that happen.

So I would suggest you have the conversation on religion with each other right now, it’s imperative.

And then, if you’re on the same page concerning your future, go ahead and plan it together. 

..Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

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Relationship
Hi mam, I am a 19 years old girl. In 2019, after my 10th boards, I came across a guy in FB. He was 9 years older than me. He seemed to be a really nice and helping guy. And he also belonged from a prestigious university pursuing his research. After my 10th, I started preparing for entrance exams. So, he used to motivate me, give me validation, encourage me to do better in my mocks. It all happened online. I haven't even met this guy till date. At that time, he showed me the dream of targeting the best college of India of which I hadn't even thought of before. And I was also so motivated that I started studying hard. Besides, I started emotionally depending on him for validation. He is such a manipulating guy, that slowly I started falling in love with him. He told me that we should wait and see what the time decides. But, slowly he showed his real colours. He was just interested in 'friends with benefits' type of relationship with me. I strongly disagreed on it. Then days and months passed, his validation, manipulation, toxic and provocative words made me stand before an existential crisis. I used to cry out for the entire day. By 2020, during the lockdown phase, staying back at home, dealing with these sh***y things and exam pressure pushed me into depression. He made me insecure about every single thing... My academics, studies, results, my looks, my innocent nature, my previous success, my future.... every single thing. I eventually came to know he was just interested in sharing his life stories, getting an emotional support in his life, a good timepass element, hoping to get intimate with me someday. Moreover he was just interested in successful girls and ladies. So, all I thought at that period was that I have to succeed in my entrance exam at any cost and then everything will be alright.Unfortunately, I could not make it. I failed to qualify in my first attempt. I went into a severe depression, had to attend some online mental health rehab and counselling. To add salt to my wounds, the guy disclosed that he has been in a relationship since the past 1 year. And he is very happy. I broke down completely. For 5-6 months I could not study anything. I have an exam just round the corner. How can I just forget whatever happened and focus on my work? Please help and guide me... I am still having emotional breakdowns very frequently.
Ans:

Dear AI,

The nature of a virtual relationship can be the way that you have mentioned.

What is being shared virtually may not be reality and it is difficult to spot this.

Now that you know, isn’t it a lesson learned not to rely on anyone outside of you for your own happiness?

Did you have to study hard just so that you fit his choice of ‘successful’ women/girls?

Can you not work hard to live your dreams?

What you lack is self-love! Something that you didn’t focus on because you were working hard to prove how relevant you are in his life so that he chooses you.

Even if this relationship works, it will be his call always and other than strive hard to be in his life, there’s nothing that will grow in it.

Moreover, isn’t it a red flag when he revealed that he has been in a relationship for over a year?

Time to get back to yourself. Value yourself more, love yourself more…if you don’t, no one else will!

Start every morning doing these little things:

  • in gratitude for being alive
  • list down 3 things that you love about yourself
  • do one thing that you love at least for 15 minutes everyday
  • spend time in Nature
  • surround yourself with people that love you

These are tried and tested methods to get you out of a low phase.

Again, love yourself more and yet again!

All the best!

..Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 24, 2024

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Relationship
hello mam i had a breakup a year ago and i still havent moved on from him. i am trying to push myself and have given myself enough time. But the core memory i share with him still hurts me. Then like this i get many days to get myself back. he is always on my mind 24*7 and due to this i cannot concentrate on my studies. i am stuck in this position and i dont wanna go back because ik he will never come. I have peak time of my career and i dont wanna regret this. My heart keeps wrenching and it pains a hell lotttttttt with the thought that its over and that one day he will be married too and i will have to see him with someone. idk what should i do?
Ans: Dear Hazel,
Losing someone when in love causes grief. So, go through the pain and don't be in a hurry to heal as when you allow yourself to feel the pain, you are actually stepping into the healing process and healing one day at a time.
It's a suggestion if you can actually keep the gifts given by him etc away during this time. It can torment you more.
And while you are healing and when you feel like the world crashing on you, you need to distract yourself by:
- Physical activity/exercise helps displacing the stuck feelings giving a good release
- Join communities with larger than life causes as this helps looking beyond oneself

Life can dynamically change; what we can do is navigate through these and step into your own life.
Ask yourself: What is it that I can do now that I am single again? How can I make best use of this time?
Easier said than done; but believe that things do get better BUT take that first step towards your healing journey.

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7915 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 08, 2025

Asked by Anonymous - Feb 08, 2025Hindi
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Ramalingam

Ramalingam Kalirajan  |7915 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 08, 2025

Asked by Anonymous - Feb 08, 2025Hindi
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Money
Dear Sir, At present, I have Rs. 75,00,000/- in SB account. Can I earn Rs. 60,000/- per month through SWP, if I invest this amount in mutual funds.
Ans: You want to generate Rs. 60,000 per month from Rs. 75 lakh. This means you need Rs. 7.2 lakh per year.

The biggest challenge is ensuring the corpus lasts long. If the withdrawals exceed the growth rate, the money will deplete faster.

A well-planned Systematic Withdrawal Plan (SWP) must balance growth, risk, and longevity.

Key Factors to Consider Before Investing

Inflation Impact

Expenses will rise over time.
A higher withdrawal rate today can lead to shortfall later.
Your plan should account for increasing withdrawals in the future.
Investment Risk

Mutual funds carry market risk.
Equity funds may give higher returns but fluctuate.
Debt funds are stable but may not beat inflation.
A mix of both is better.
Tax Efficiency

SWP from equity funds after one year has lower tax impact.
LTCG above Rs. 1.25 lakh is taxed at 12.5%.
Debt fund SWP is taxed as per your income slab.
Tax-efficient withdrawals increase corpus sustainability.
Longevity of Corpus

If your investments grow at 10% and you withdraw at 9%, funds may last long.
If growth is 8% but withdrawals are 12%, corpus may deplete soon.
A sustainable withdrawal rate is key.
Can Rs. 75 Lakh Sustain Rs. 60,000 Monthly?

If Growth is Low (6-8%)

The corpus may last for 12-15 years.
This may not be enough for long-term needs.
If Growth is Moderate (10-12%)

The corpus may last over 20 years.
A balanced approach is needed.
If Growth is High (Above 12%)

Higher returns can extend corpus life.
But market fluctuations will impact withdrawals.
Better Approach to Ensure Sustainability

Start with a Lower SWP Initially

Instead of Rs. 60,000, start with Rs. 45,000-50,000.
This gives the corpus time to grow.
Rebalance Annually

Review fund performance.
Adjust withdrawals based on market conditions.
Mix of Equity and Debt

Keep 60% in equity for growth.
Keep 40% in debt for stability.
Keep a Buffer in Liquid Funds

Maintain 6-12 months of expenses in liquid funds.
This helps avoid withdrawing in a market downturn.
Tax-Efficient Withdrawals

Use long-term capital gains benefits.
Avoid unnecessary tax outflow.
Alternative Strategies for Income Stability

Dividend Option in Mutual Funds

Some funds provide regular dividends.
But dividends depend on market performance.
Part-time or Passive Income Sources

Rental income, freelancing, or part-time work can reduce withdrawal pressure.
This helps corpus last longer.
Final Insights

Withdrawing Rs. 60,000 per month is possible but may reduce corpus life.
A balanced strategy is needed to ensure long-term sustainability.
Reducing withdrawal amount initially will help.
Regular reviews and rebalancing are important.
A mix of equity and debt ensures growth and stability.
Keeping a liquidity buffer helps during market corrections.
With the right approach, you can generate monthly income while protecting your capital.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7915 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 08, 2025

Asked by Anonymous - Feb 06, 2025Hindi
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Money
I want to retire this year. I am 41. My current corpus 1.2 crore MF, 30 lakh in PF. We live with parents in our own house in Bangalore valued at Rs 1.5 crore. I have a home loan EMI of 35000 that will end in 2032. Monthly expenses 35-40k. Mu wife takes home tuitions and earns Rs 25,000 per month.
Ans: Retiring at 41 is a bold decision. You have built a decent corpus. But early retirement requires careful planning. Let’s analyse your financial situation and create a sustainable plan.

Current Financial Position
Mutual Funds: Rs 1.2 crore
Provident Fund: Rs 30 lakh
Total Corpus: Rs 1.5 crore
Home Loan EMI: Rs 35,000 per month (ending in 2032)
Monthly Expenses: Rs 35,000 to Rs 40,000
Wife’s Income: Rs 25,000 per month
House Value: Rs 1.5 crore (not considered for expenses)
You have a strong foundation. But your corpus must last for decades. Let’s optimise your investments for steady income and growth.

Key Challenges in Early Retirement
Long Retirement Period: You need funds for 40+ years.
Inflation Risk: Expenses will rise every year.
Home Loan: EMI will continue for 8 more years.
Market Volatility: Equity investments will fluctuate.
Medical Expenses: Health costs will increase with age.
A structured approach will help you retire securely.

Managing Monthly Expenses
Your expenses: Rs 35,000 to Rs 40,000 per month.
Wife’s tuition income: Rs 25,000 per month.
Shortfall: Rs 10,000 to Rs 15,000 per month.
Your investments must cover this shortfall and future expenses.

Investment Strategy for Sustainable Income
Your portfolio must balance growth and stability.

Equity Mutual Funds (40-50%)

These will provide long-term growth.
Withdraw only when needed.
Keep a mix of large-cap, flexi-cap, and mid-cap funds.
Debt Mutual Funds (30-40%)

These will provide stability and regular income.
Choose short-duration or corporate bond funds.
Withdraw from this segment first before selling equity.
Fixed Deposits & Bonds (10-20%)

Invest in FDs or government bonds for emergencies.
Avoid locking all funds in long-term deposits.
Emergency Fund (Rs 5-7 lakh)

Keep 12-18 months of expenses in a liquid fund.
This ensures you don’t sell investments during market crashes.
This strategy ensures growth, liquidity, and stability.

Handling Your Home Loan
EMI is Rs 35,000 per month till 2032.
Wife’s income covers most of it.
Instead of full prepayment, make partial prepayments.
Use surplus funds or bonuses to reduce interest.
This will free up cash flow for future needs.
Avoid using all your corpus to close the loan. Investments will generate higher returns.

Medical Insurance & Health Planning
Buy a family floater health insurance of Rs 15-20 lakh.
Ensure it includes critical illness coverage.
Consider a super top-up plan for added coverage.
Keep Rs 5 lakh in a separate medical emergency fund.
Medical costs can drain savings. A strong health cover is essential.

Tax Planning for Retired Life
Mutual fund withdrawals attract capital gains tax.
Equity LTCG above Rs 1.25 lakh is taxed at 12.5%.
Debt mutual fund withdrawals are taxed as per your income slab.
Use systematic withdrawals to manage tax efficiently.
Utilise tax-free PPF withdrawals after maturity.
A tax-efficient withdrawal strategy will help maximise savings.

Income Generation During Retirement
Systematic Withdrawal Plan (SWP) from Mutual Funds

Set up SWP from debt mutual funds for regular income.
Withdraw from equity only when markets are high.
Part-Time Work Opportunities

Your wife earns Rs 25,000 from tuition.
Consider online consulting or freelance projects.
Even Rs 10,000 extra per month can reduce portfolio withdrawals.
A small active income will make your corpus last longer.

Inflation-Proofing Your Future
Expenses will double in 15-18 years.
Keep 40-50% of your portfolio in equity for long-term growth.
Review your portfolio every year and rebalance.
Adjust withdrawals based on market conditions.
Long-term sustainability is key for early retirees.

Final Insights
Your corpus is decent, but early retirement needs discipline.
Don’t use all savings to close the home loan.
Invest in a balanced mix of equity, debt, and fixed-income assets.
Plan systematic withdrawals to manage cash flow and taxes.
Health insurance and emergency funds are essential.
Keep some part-time income to reduce financial pressure.
Revisit your financial plan every year.
A well-structured plan will help you retire peacefully at 41.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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