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Ravi

Ravi Mittal  | Answer  |Ask -

Dating, Relationships Expert - Answered on Feb 24, 2025

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Feb 23, 2025
Relationship

I am a 24 year old woman. I had been texting to a guy on a dating app. We started chatting on Instagram. We even shared n*des mutually. We had agreed that we will only meet up for casual s*x, and the meeting was due in May. But, I began having feelings for him, I don't know how, because we never met in real life. Twice, he had forgiven me for going extra fast on the chatting thing. But the third time, when I confessed to him, my feelings, he blocked me on Instagram. I have tried messaging and sending follow request on Instagram, through my mother's account, but that was useless. I have been messaging him on Bumble as well, I think he hasn't blocked me from there yet. We were tuning-in good. He's from Delhi, am from Patna. Please help. Because forgetting him is not an easy task. I JUST CANNOT. Even when I'm doing something completely different, there are signs, that I see and feel, we will meet someday. His name appears or something like that. Tell me, will I meet him ever?

Ans: Dear Anonymous,
When a person you have never met blocks you, it usually means that they are not interested in staying in touch with you. Now, I realize that it is hard to move on or the sudden loss of contact can be difficult to cope with, but it is important that you respect his boundaries. If he has blocked you, that only means he is not interested in interacting; constantly trying to get in touch with him not only lowers your self-respect but you are also ignoring his boundaries. Please wait for a while. If you mean anything to him, he will contact you. And if he doesn't, you should understand that this connection was never meant to be. Some things cannot be forced.

I hope this helps.

You may like to see similar questions and answers below

Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2022

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Relationship
Hi Anu, How are you? Hope you are doing well. So my situation is: I'm 23 years old. Due to my extremely toxic past experiences in relationships, I chose to be single to bring a balance in my life. I have been single for almost a year now. But last month I was on a sabbatical. I had travelling plans but I had to cancel everything due to the rise in the covid19 pandemic. I joined a dating app (I swore that I would never use a dating app. But then this year I wanted to do something that I would never consider doing. So I decided to join a dating app just to see what goes in there). I wasn't looking for any relationship or anything like that. I was mostly fine with my single life (except the physical intimacy part of course). Then I got matches with guys. But I had no interest in any of them. I chatted with a couple of them but got bored within minutes. I matched with a guy and started talking to him. He seemed nice from the start. I could connect with him very easily. We were on an equal intellectual level. But that was just day 1. From day2, he was not really into the conversation. He was only answering my questions, not really asking anything. But while talking, he clearly told me that he wasn't into relationships or dating currently as he broke up 1 year ago and needed time to clear his mind space. I didn't really care about all this stuff since I wasn't looking for anything at all. But his prosaic interview type answers were very irritating and I had to get back to my work too. So I deleted my profile without apprising him anything and by that time we already connected on IG. But after that conversation, he was kind of all over my mind. It was really difficult for me to focus on my work for the next 2-3 days. So I thought if I text with him for 2-3 days, I would be fine probably. But when I texted him on IG, he wasn't surprised that I’d deleted my profile on that dating app without even telling him anything. Moreover, he was texting in a very formal manner. After a while, he stopped replying. I didn't text after that. I was done with him.Since that day, my mind has been craving for his attention. I know that he isn't the guy I should spend my time with no matter how good I found him initially. But my focus and concentration is really getting affected by his thoughts. On VDay I thought maybe he was going to ask me out(because last month he made it conspicuous that he was going to meet me on V -day). But he is a ghost now. Please tell me how do I erase his thoughts from my mind totally so that I can focus on my work as I have piles of work to get done.
Ans:

Dear SD,

Ghosting of a high order.

Why exactly were you anticipating him to give you all the attention?

Why were you craving for validation from someone who you haven’t chatted or met with?

Why did you base so many emotions on a ‘connection’ that wasn’t one in the first place?

Dating apps are an ocean of people who have different needs to be met and distractions are heavy.

Every moment, the mind is seeking an association with a new person in the hope that he or she will be better than the previous one.

How did you expect him to feel the same way as you did at that very moment? Maybe it’s time to introspect what you learned during your sabbatical.

Did you pour enough self-love so that you wouldn’t wait for someone else to love you? If No, then time to step back and validate yourself for ONCE.

You must learn to look at yourself with a fresh pair of eyes, laud yourself and love yourself even more.

Fill yourself with so much care are love that the next time, you are on an APP, it’s for a very good reason and with a lot of confidence that you can hold your space and not get swayed by who is messaging or who isn’t!

Life offers you with so many opportunities to change from within; start right away and as far as this “Ghost Guy”, even if he is back, he will scout around for more greener pastures as far as an unsteady mind goes.

So you possibly might just be one of them. Investing so much time in all of this is straining.

Join groups that meet often and on a common theme and maybe you might find someone interesting and someone who has similar values and ideals as you.

Good luck to a new way of thinking and acting!

..Read more

Anu

Anu Krishna  | Answer  |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

Kanchan

Kanchan Rai  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 30, 2024

Asked by Anonymous - Nov 24, 2024Hindi
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Relationship
hlo love gurus...i am here just to share my story and to know that have i done something wrong..... in 2018 .. it was my 10thclass final exams I met a guy on social media and he bacame my friend after that i came to know that his maternal grandparents are from my village and my family also have relation with them like families use to invite each other on occasions...but still we are living as friends.... In 2020 after my school is over i took admission in clg near to my home but after that i changes clg in one month and new clg was 150 km away.... but that was corona time so i was at home and after 1st semester i met with that friend and that day i felt something that i never felt before that feeling was amazing ..... after that we started to talk daily like i use to wake up with his call..... i use to sleep after talking to him.....in 1 month he told me that we can never marry because of family relation.. but i thought that when we both become independent our family will support us....and i told him to continue this till the time we can....and that became our daily routine..... i knew that that he is going to join a state government job that can be near to his home or in nearby district.... but after 1 month we get to know that he will have to join in shimla district so it could be easy for us to meet in 3 to 4 months...and i think it was easy to control my feelings for him him we dont meet regularly.. about when he came to join his posting was near to my clg.. just 12 km of distance.... after that we come closer i wasn't able to control my feelings .... now we both love each other and can't live without each other ... but now i am realising that he was right at that time that our family will not agree for our marriage,..... he thought that was destiny that we came closer ... his posting could be anywhere in the state but why near to my clg...... now sometimes i feel that God cheated me ????now i don't know whether we have done something wrong by loving each other.....his family is forcing him for marriage... and we can't do anything now.... i am not able to accept that... and after knowing this that his family is looking a girls for him to marry I am getting more attached to him.... i think i totally messed my life ????
Ans: Loving someone isn’t a mistake or wrongdoing. Love is a natural human experience, and the bond you shared was meaningful and genuine. However, the challenge lies in navigating the practical realities that come with that love. When families and traditions play a significant role in relationships, they can create hurdles that feel insurmountable. These challenges don’t invalidate your emotions or the value of your connection; they simply reflect the complexities of life.

It’s important now to focus on what you can control and what is healthiest for you emotionally. Acknowledge your feelings of sadness, loss, and confusion—they are part of the healing process. At the same time, recognize that your worth and happiness are not solely dependent on this relationship. You have a future filled with potential, and while it may not look exactly as you envisioned, it can still be fulfilling and meaningful.

If his family is moving forward with plans that you cannot influence, consider having an honest conversation with him about your feelings and the reality of the situation. This can provide both of you with clarity and help you decide how to navigate the future. Letting go of someone you deeply love is one of the hardest things to do, but sometimes it’s necessary to find peace and allow yourself to move forward.

Focus on rediscovering yourself and building a life where your happiness doesn’t depend on external circumstances. Surround yourself with supportive friends or loved ones who understand your emotions and can provide comfort. If you find it challenging to process these emotions on your own, seeking guidance from a counselor or therapist can offer a safe space to navigate this journey.

You haven’t messed up your life—life is simply unfolding in ways that are testing your strength and resilience. This experience, as painful as it feels, can teach you about love, boundaries, and the importance of prioritizing your own well-being. You deserve to be in a relationship where love is not constrained by external pressures, and while it may take time, you will find your way to healing and happiness. Trust that your story is still being written, and this chapter is just one part of your journey.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8912 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 13, 2025

Asked by Anonymous - Jun 13, 2025
Money
I am a 28 year old married male expecting a baby in August earning 190000 per month in hand with 50k expenses and currently investing 20k per month in SIPs HDFC Flexi Cap 5k HDFC Midcap 6k Tata Small Cap 5k Axis Gold 4k and 130000 in FD My total savings so far are 1670000 with FD 1115000 Mutual Funds 275000 and Shares 250000 I want to plan better for my childs future education and expenses and also buy a 2BHK flat in Ahmedabad within 1 to 2 years as an investment How do I prepare for the down payment plus EMIs while continuing my SIPs Also how should I improve my investment strategy and allocate 50 to 60k per month in SIPs going forward to meet both these goals effectively?
Ans: Income and Expense Overview
You earn Rs.?1.9?lakh monthly.

Your monthly expenses are about Rs.?50,000.

This leaves you with Rs.?1.4?lakh to allocate wisely.

Current Assets Snapshot
FD: Rs.?13?lakh

Mutual Funds: Rs.?2.75?lakh

Equity Shares: Rs.?2.5?lakh

Total Savings: Rs.?17?lakh

Great to see diversified savings across different instruments.

Upcoming Goals
Baby expected in August—education and early expenses

Down payment for 2?BHK in 1–2 years

Continue wealth creation via SIPs

These goals need careful planning and staging.

Short-Term Goal: Baby’s Initial Needs
Your baby’s first year needs budgeting for hospital, baby care, vaccinations, etc.
Set up a 12-month “Baby Fund” of Rs.?3–4?lakh.
Use your FD by booking a short-term debt mutual fund.
Or split across FDs maturing around that period.

This keeps your funds safe and available when needed.

Medium-Term Goal: Property Down Payment
You want to buy a flat in Ahmedabad in 1–2 years.
Typically 10–15% down payment is needed.
Assume 12% of Rs.?50?lakh flat = Rs.?6?lakh.
You must accumulate Rs.?6–8?lakh for down payment.

Use short-term debt or hybrid funds with 1–2 year horizon.
They offer better returns than long FD and are safer than equity.

SIP Strategy and Allocation
You plan to invest Rs.?50–60k monthly going forward.
Let’s build a balanced SIP allocation:

Large/Flexi-Cap Fund: Rs.?15,000

Mid-Cap Fund: Rs.?10,000

Small-Cap Fund: Rs.?8,000

Balanced Advantage/Multi-Asset: Rs.?7,000

ELSS (Tax saving): Rs.?5,000

Child Education Hybrid/Debt Fund: Rs.?5,000

This totals Rs.?50,000. You can use the rest for top-ups in debt or goal funds.

Why Not Index or Direct Funds
No index funds – they passively follow indices and offer no protection during market falls.
No direct plans – they lack professional guidance and behavioural oversight.
Regular active funds guided by a Certified Financial Planner help in staying disciplined and goal oriented.

Professional Assistance Importance
Work via a CFP?linked Mutual Fund Distributor. They help with:

Goal-based portfolio design

Risk-based fund selection

Rebalancing and monitoring

Tax-efficient investment management

This support keeps your wealth plan on track.

Liquid Asset Management
Your FD and savings can be partly directed toward goal funds.
Break down FD as follows:

Rs.?3–4?lakh for baby fund in short-term debt fund

Rs.?5–6?lakh for property goal fund

Remaining stays in FD or hybrid funds

This transition ensures you don’t fully surrender FD’s safety, while adding higher return potential.

Home Loan vs. Self-Asset
You plan to purchase a flat as investment.
But real estate may tie up liquidity and has transaction costs.
Consider this only if returns and rental logic align with your personal goals.
Even if you wait longer, continue building SIPs and making your own “asset” via investments.

Insurance and Protection
You didn’t mention insurance. For your family’s future:

Health Insurance of Rs.?10?lakh or more is recommended

Term Life Insurance of at least Rs.?1 crore for financial protection

Avoid ULIPs or endowments. They are costly and less productive.

Tax Efficiency
Use ELSS SIPs for Section 80C claims

Plan redemptions to keep equity LTCG below Rs.?1.25 lakh every year

Use balanced/det debt to reduce taxable interest on FD

Health insurance premiums are eligible under Section 80D

Tax planning helps your money work smarter.

Monitoring and Review
Review portfolio with your CFP every 6 months

Rebalance to maintain original asset mix

Stop goal funds temporarily once goals are met

Don’t chase new funds or hot picks mid-year

Disciplined reviews keep your plan consistent.

Allocating Monthly Income
From your Rs.?1.9 lakh income:

Rs.?50k expenses

Rs.?50–60k SIPs

Rs.?20k property/baby goal funds

Rs.?20–30k into FD or balance buffer

Adjust these as your home purchase happens or SIPs scale.

After Baby and Purchase
Once baby arrives and property goal is funded:

Baby fund is done sooner

Reserve shifts to education fund for future

Once EMI starts, redirect part of SIP to EMI buffer

As EMI reduces, increase equity SIP again

This flexible approach adapts with your life stage.

Final Insights
You are proactive, budgeting well—keep it up

Create short-term goal buckets for baby and flat

Build a robust SIP portfolio via CFP?guided regular plans

Avoid direct/index funds—opt for active and supported setups

Use insurance and tax planning for protection

Monitor portfolio, rebalance half-yearly, stay disciplined

Let your money work across goals without compromising lifestyle

With this structured 360-degree strategy, you can grow wealth, fund your child’s future, and build assets while remaining financially agile.

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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