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Ravi

Ravi Mittal  |505 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 21, 2024

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Asked by Anonymous - Jun 14, 2024Hindi
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Relationship

I am 29 year old bengali female married to a Bihar guy. We know each other since college and we have been married for 3 years. Things began to turn bitter after few months of our marriage. My husband is a govt. Employee has seen extreme poverty in his childhood. I belong to upper middle class family. Both of our parents were against our marriage. Now his family especially mother pressurise him for money that is beyond our reach. She thinks I stop him to give money. She constantly abuses my husband. He has two elder brother who are good for nothing,both are married have kids and even they expect financial help from us. I am very tensed we can't even think of spending a penny for our personal enjoyment. My husband understands all these but everytime falls into prey of my MIL'S emotional drama. She fakes illness or fights for money. I can't even share this with my family.

Ans: Dear Anonymous,

I am very sorry to hear that you are in such a situation. It is indeed a very complex situation. Financial troubles can disrupt marital bliss. But it has to be addressed, even if it leads to conflicts. Speak to your husband about your concerns. Politely tell him that his family's demands and his response to them are causing a financial crisis in your home. Sit together and discuss how much financial support can you provide to his family and what's beyond reasonable. Have a monthly budget and since his family will continue asking for money, keep some money (what you have decided together) for the same. Keep an emergency fund and most importantly, have a decent amount of savings.

After all these discussions, if things still don't change, consider going for marriage counseling. You gave up an affluent life to be with him; he can surely give up certain things that are clearly unreasonable. A third neutral party can point this out without you having to say it.

You can also suggest your husband push his family members to get better jobs so that they can provide for themselves. Besides everything, don't forget to take care of yourself. Be in touch with your family and share your worries with someone close to you. And maintain regular check-ins with your husband. It can't be easy on him either.

Best Wishes.

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Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2024

Asked by Anonymous - Jun 07, 2024Hindi
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Relationship
Hello, I am 31 years old.. married for one and a half year, it was an arranged marriage, when my father came he was well and clear that my daughter studies or works for long hours she don’t like household chores but she earns well so can pay for help.. that time my mother in law was all happy and said I will help her, she’ll be like my child and all that... my husband also used to assure me that you will be treated really well, if you are working no body gonna point out, we are very modern. My mother in law is very modern she used to wear jeans and shorts and her Devrani lived in ghunghat... My mother in law hates everyone in her family, devarani, jethani, nanad, her own late mother in law father in law, her own mother, father, brothers, sisters, their spouses, their children... everyone. Yet my husband doesn’t understand she is doing wrong, I come from a big family... people fight and next day come back together... here it’s very very hard to survive in this negativity. Once I went home, because here I wasn’t getting enough time to study due to household chores... then behind me she created scenes telling .. your wife has disrespected me, didn’t eat anything for 15-20 days then my husband got angry on me... we fought and he blocked me, no contact between us for months. My parents came once to talk but she was too loud and insulting that they got sure we are NOT sending back our daughter to such house. Then our relatives interfered, sat together and found out there was no major problem everybody laughed.. saying we are not able to find any issue, but my mother in law still kept on complaining for continuously 4 hours... she was all negative.. I can back home, I know all I have to do is ignore her rest everything is okay to live by.. But I have lost trust on my husband,I know if he left me once, he can leave me again....living here is very difficult with all the hate, nobody comes to house for dinners.. it’s alone and hateful. I don’t say anything because that will only elevate the problem. It’s hell living here.. they all sit together and talk and when I go everyone shuts.. although I don’t care what that are talking about, I don’t give a rat’s ass even if they’re bitching about me. It’s just all negative and I wanna run away from here.
Ans: Dear Anonymous,
What is your question for me here?
I have got the point that there is a lot of hate and negativity at your in-laws place and that it is far different from how you were raised. Also, that your husband blindly sides with his mother bothers you. But I will try and put things in perspective and make suggestions here.

Now, understand that certain families are the way that they are and unfortunately you have come into a place where people are isolated from one another and talk behind each other's backs.
Are you in a position to change all of this especially when you have realized that your husband isn't someone who is on your side?
So, when you can't change something, the only way to get through all of this peacefully is to accept it. But, that is the things that you are struggling with already and yes, it is understandable from your point of view.
Have an honest conversation with your husband; I am sure he is interested in making his marriage work too. That's the first step to actually make him aware that all this is affecting you.
Let's say, he is not bothered by it all and continues to go about all of this without realizing that he has a wife and he is also responsible towards the marriage, try and suggest getting to a professional (But do realize that the professional will not be able to change the way your husband's home functions). This is only getting the bond between you and your husband stronger so that you can be on the same side weathering the environment around you.
Now, if he refuses this intervention...then the onus is on you...what and how you see your life is totally a choice that you must make.

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

Kanchan

Kanchan Rai  |494 Answers  |Ask -

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

Asked by Anonymous - Aug 21, 2024Hindi
Relationship
Hello, I am from a good educated family in Dehradun. I got married 3 years back in an arranged marriage setup through a mediator in Meerut. My husband has a small sportswear factory above his home only and mostly he is at home. I have a widowed MIL and SIL who is married just a year before me. There were problems in my marriage from the very beginning but my parents and me were too naive to see the red flags. They had demanded 20lakh cash and also my parents had given them lot of gold silver items which my MIL has withheld and says I have taken everything and my husband also supports her everytime. He is a mumma's and sister's boy and lies to me all the time. He does not value my opinions and expects me to obey him and his mother. He verbally abuses too much which he did not disclose before marriage. I left my job before marriage as my parents were finding a match for me from past 2 years but were fed up so there desperation got me married here in Meerut. They mentioned there income as 20-25lakh in biodata but I still don't know the real income of my husband. He says he has taken loan from his mother and is in her debt and says all the time that his, his mother and his sister's bond is unbreakable, without me asking. From beginning I was not treated like a family member but they just instructed me what were my responsibilities of cooking and handling house and bowing down to her sister and brother-in-law. My husband never stood up for me in beginning. One night he became so abusive that he twisted my hand and verbaly abused my family so much. I in fear called my mother and they took me back. I filed a case against him and we stayed separately for around 1.3 years. That was a horrific time for me and my parents, going to courts and they never appearing once. I started online MBA and small job side by side to bear my expenses as my husband was not supporting financially at all. He was not ready to give back our money or jewellery and just saying he wanted to stay with me, but I did not wanted to go back to that house. His mother created too much drama in front of him and foul language was normal in that house. After a counselling session I arranged, which he was not ready to attend but I convinced him, we decided to give it another chance as he apologised to me and my parents. and I also thought about my future which would impact my family and younger sister as well. So his family came to our house to take me back and welcomed me nicely this time with bouquet and my husband decorated our room with balloons. 3-4 months it was all well, they behaved nicely, I ignored small things his mother said or did. I tried to recreate the bond with them, but there rude behaviour returned. His mother's insecurity is impacting me and my husband's relation so much, that he ignores my needs for her and does not see I'm in pain even if I tell him. I am filled with anger and frustration now and when I share it with my husband, he blames me for overthinking and verbally abuse me sometimes for destroying his life. I am going in depression due to this and unable to focus on my studies or any work. Due to this stress I don't feel like staying in that house and frequently visit my parents house, but my husband does not let me live in peace here also, he keeps verbally abusing and taunting me for staying at my parents so much and tells me he cannot come every second month there in a very rude abusive tone. I am fed-up of his dual attitude, one day he showers so much love, next day he gets so out of control. With rest of the world he is so sweet and shows he loves me so much, which has brought me in a bad light to think so bad of him. My problems are everyday little problems for them which I should bear. Currently I am 7 month pregnant and at my parents home. He beared my meds and doctor expenses there, but keeps on reminding me this that he has done this, he brought an almira for me after so many months of me begging him because they did not had any basic amenities arranged for me beforehand. My parents gave automatic washing machine, and few more new items during marriage but no gratitude for anything, instead they keep telling me they got almira for me, put khanewali for me as if they are not eating that food. I had cooked full 3 time meals and serving them on there bed, still they say 'kuch ni karti, kamre mei rehti hai. mumyji ke sath ni baithti, iske lie ye kardia, ghuma ke late hain' or meri kamiya ginate rete hain. They do not tell full truth, what me and my parents have done for them. My husband does not know proper English also and thinks himself no less than a king. His mother and sister enables his bad behaviour and laugh it off. I am worried for my future now as now a kid is involved. I had left my job again to go back as everyone told me to focus on mending relations first. He does not seem to care much for the baby also. When I tell him I have a headache, he tells me he has more headaches and responsibilities than me. Never really understood my feelings or cared genuinely. Mostly worried about money. All financial assets are in his mother's control so he has to bow down to her tantrums, and expects me to do that as well. She keeps showing him how sick she is, but goes to kitty parties and my husband takes her mostly everywhere with us on vacations. If me and my husband go even on a 2-day trip, my husband keeps video calling her because he knows her insecurity. She also keeps saying things like, 'tere bina pal pal katna bhari hora' like a couple talks. But if my SIL goes on 6 day trip with her husband, then she is very happy and tells them to enjoy. This gives me chills and spoils my mood everytime. My husband knows it yet he does not say or do anything about it. But I cannot continue like this, I feel suffocated and stuck many times, not knowing if I even belong here or not. My husband feels spending money on counselling is a waste so he will not take it now. Pls guide what should I do next. Can this relation be saved or not?
Ans: Since your husband is unwilling to attend counseling, consider seeking therapy for yourself. A therapist can help you process your emotions, build resilience, and identify what you need to feel secure and valued. Your emotional well-being is crucial not just for you but also for your baby, as stress during pregnancy can have long-term effects.

Open communication is essential, but it seems your husband is dismissive of your concerns. Try one last time to have an honest conversation with him. Clearly express your feelings and the changes you need to see for the relationship to work. Focus on specific actions, like setting boundaries with his mother, reducing verbal abuse, and showing emotional and financial responsibility.

If these conversations don’t lead to meaningful change, you may need to consider the long-term implications of staying in this environment. Living in a toxic household can have a profound impact on you and your child. If leaving feels like the safest option for your mental and physical well-being, work with your family to plan a way forward. This could involve legal steps to secure your rights and ensure support for your child.

Your efforts to mend the relationship show your commitment, but it’s vital to remember that a healthy marriage requires mutual respect and effort. If your husband and his family are unwilling to meet you halfway, prioritizing your own peace and stability might be the best decision for you and your baby.

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Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 22, 2024

Asked by Anonymous - Oct 21, 2024Hindi
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Relationship
I married four years back. I born broughtup in metrocity but i respect n follow my village roots n relatives. Now my MIL, Fil sil joint fmly. In taluka place. My mil second wifeof my fil. The problem started after my baby arrived. My MIL is very possessive to my husband, he has to follow her words. No cinema, hotel no new cloths even kirchief. He has to take her permission or inform her. Never went to outing as mil against everything. Problem started seriously when my started behaving negative towards me n my fathers family. Getting angry, throwing things, using absurd words , keeping recorder in my office bag, etc. I hv to cook food items for all before going to office. Never asked me to eat food. When i told this to my aunties n uncles n mamas, they confirmed my mil is controlling my husband through black magic, vamaachara pratice. When things got worst, i was forced to leave my in laws house, by my sil, mil. I am trying my best to keep in touch wd my hubby. But it is not going well. He takes sis n mom side. Now my baby is 2 yr old. All my relatives tried to make them understand but they are very rude, abuses everyone. Husband never spent or gave any money to me. Mil says no to do so. Sil not married, hv serious health issue. Says i dont marry, i will stay here only. Hubby not takling to me now. Please suggest how to solve this problem
Ans: Dear Anonymous,
I am unaware or have no knowledge of the practices that you have mentioned, so I would not like to comment on those.
As far as where you are seems like a very toxic environment and it requires your husband to be receptive to listen to what is bothering you. Try yet again asking the elder family members to talk to his family and see what happens. If nothing changes and your husband still continues this drama, then you might have to think of how much longer you want to put up with this toxicity?

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

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Asked by Anonymous - Jan 17, 2025Hindi
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Then doctor asked her why she stopped and what I said, my wife said that he is asking for female staff and doctor said “I am a doctor and I am not having female staff and there is nothing male and female in doctor’s consultation” my wife got convinced and told me that we are continuing with this doctor and I also shaked my head as consent sign but not aware with the upcoming surprise and then she open her upper body part and doctor did the check up by pressing or whatever doctor does. And I was not ready for this So, I am still in trauma due to this, but I don’t want her to show her body to any male doctor. That picture comes again and again in my eyes. I don’t want to break my relation with wife, because we married 20 years before and we have 2 daughter and I love her too much. But she has disobeyed me and obeyed that doctor. I am in a trauma. What should I do to come out of this trauma. Please let me know.
Ans: To address your trauma, start by having an open and honest conversation with your wife about your feelings. Express your emotions calmly, without blame, so she can understand the depth of your discomfort and help you work through it. It's also crucial to recognize that trust and mutual respect are fundamental in any relationship. Your wife’s decision was likely driven by her need for medical care, not a desire to hurt or disobey you.

Consider seeking professional help for yourself. A therapist or counselor can provide a safe space for you to explore these feelings, work through the trauma, and develop strategies to cope with intrusive thoughts. They can also help you understand the importance of medical privacy and the necessity of certain procedures, which may ease your discomfort over time.

Additionally, you might want to explore couples counseling. This can help both of you navigate this situation together, rebuild trust, and strengthen your relationship. Remember, your goal is to maintain a loving and supportive partnership, and professional guidance can be instrumental in achieving that.

Your love for your wife and your desire to keep the relationship strong is evident. By addressing these feelings head-on and seeking support, you can move towards healing and maintaining the bond you cherish.

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Ramalingam

Ramalingam Kalirajan  |7548 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi
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Money
I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
Finally
Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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