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Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2023

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 - Aug 25, 2023Hindi
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Relationship

Hi Mam, I am a 30 year old woman, married since 11 years. My husband is 36 years years old and have a normal intellectual relationship. The problem is since the past 2 years, we have had a very poor physical relationship. we have intercourse once in a month or 2 months (we indulge in foreplay weekly though) since my husband has been facing medical issues relating to the same and somewhat refrains visiting a doctor. He has even confessed to self consummate occasionally. We do not have a child and since many years we have been trying naturally and medically, but results have not come favorable. We have noticed that recently that our interests in each other has begun fading. My husband really loves me and takes care of me at the same time, I love him too, but things have not been very good of late. We both are very eager to start a family as well and plan to go for another medical attempt soon. Can you guide us how to get back to the healthy relationship we had?

Ans: I'm sorry to hear that you're going through a challenging time in your relationship. It's important to address both the physical and emotional aspects of your relationship to work towards a healthier and happier dynamic. Here are some steps you can consider:

Open Communication: Sit down with your husband and have an open and honest conversation about your feelings and concerns. Share your thoughts about the changes in your physical relationship, the impact it's having on your emotional connection, and your mutual desire to start a family.
Seek Professional Help: Since your husband is experiencing medical issues related to your physical relationship, it's crucial for him to consult a doctor. Encourage him to see a medical professional who specializes in sexual health. It's common for people to feel uncomfortable discussing such matters, but a doctor's guidance can help identify the underlying issues and recommend appropriate treatment.
Counseling or Therapy: Consider seeking couples therapy or counseling to address the emotional aspects of your relationship. A therapist can help both of you communicate more effectively, understand each other's needs, and work through any emotional barriers that might be affecting your intimacy.
Quality Time: Spend quality time together outside of your physical relationship. Engage in activities you both enjoy, communicate openly, and strengthen your emotional bond. This can help rekindle the connection you had before.
Support Each Other: Going through medical challenges and fertility issues can be emotionally draining. Support each other during this time by being patient, understanding, and showing empathy. Remember that you're a team, facing these challenges together.
Intimacy Beyond Sex: Explore ways to maintain intimacy that don't necessarily involve intercourse. Engage in activities that foster emotional closeness, like cuddling, holding hands, or having deep conversations.
Manage Stress: Fertility struggles and relationship issues can lead to increased stress. Find healthy ways to manage stress, such as exercise, meditation, or engaging in hobbies you enjoy.
Set Realistic Expectations: While it's natural to want to conceive and start a family, try not to let this desire put excessive pressure on your relationship. Setting realistic expectations and timelines can help alleviate some of the stress.
Rediscover Each Other: Take time to learn about each other anew. People change over time, so invest effort into discovering your partner's evolving interests, dreams, and aspirations.
Stay Positive: It's important to maintain a positive outlook. Focusing on the strengths of your relationship and the progress you make, both emotionally and physically, can make a significant difference.
Remember that relationships go through ups and downs, and it's not uncommon to face challenges. With open communication, patience, and a willingness to work together, you can navigate these difficulties and work towards reestablishing a healthy and fulfilling relationship. If needed, consider reaching out to professionals, such as therapists or doctors, to provide specialized guidance.

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Anu

Anu Krishna  |1494 Answers  |Ask -

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

Asked by Anonymous - Nov 06, 2024
Relationship
Hi Anu, i am 34 year old woman married to a 41 year old man. We are married for past 10 years. We had no sexual relationship for first 5 years, after lot of pestering and fights and realisation that there must a physical problem at my husband’s end i convinced him to visit an expert in this domain. Turns out he had low testosterone level. He took the necessary medication and i really tried for 1 year to make it work. It worked to a certain extent but it was more like a chore than something we really want to do. Then we decided that we should go for a baby as well while we are at it. Now my daughter is 2.5. Things never got better. We don’t talk about our lack of any intimacy physical or mental. We are living like roommates. He is the best husband a person can ask for on paper. My parents love him. He is the nicest guy. But in reality we never had any connection and no comparability. And whatever attraction and love i had for him in the beginning is lost completely. I have no idea what goes on his mind. He is a closed book i could never open. He accepts the problem but blames me too if i force him to open up. I am in such a bad place mentally. I keep thinking about the one life i got, i wasted it. Why did i get married so soon? I like someone in office who i have no future with because he is in some other country. I do not know what to do and how to live my life. I get thoughts that life should not be so long.
Ans: Dear Anonymous,
A case where the person shuts down because he carries the guilt of what is happening to him and what he is facing...not a very useful way of dealing with the situation but when society has drummed it into us that a 'man' is defined by his masculine traits and behaviors, can you blame him for it?
He is possibly embarrassed and this could be a reason for him 'closing down' within the marriage. He needs to be slowly cajoled out of what he is feeling...What the two of you could do is: start the marriage as though it is Day One...
Now, how would the two of you connect? How would things be different?
It is an attempt to reconnect with no past baggage which helps in focusing on each other in the present day. That helps in making good solid commitments to one another but of course, there has to be a lot of communication in this process. Do take the help of a professional if this feels too much to go through by yourselves.
And as for the colleague; hmmmm grass on the other side will always seem greener!

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

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 20, 2024

Asked by Anonymous - Nov 14, 2024
Relationship
Hello Anu I ma married man with age of 54 & my wife is 52 years. We are married since 30 years and we are not having good sexual relationship. She is more keen but i have some issues with my health. From the beginning I have disorders and do even ejaculate very soon. Because of this our relations are not that good. Now we are on the verge of separation but due to childrens who are quire grown up and settled in their life they are strictly against this decision of ours. My wife wants divorce from me and wants to settle down with someone else and at present there is no such person in her life. I also want divorce but of the last thought. How can I regain my sexual life again please let me know.
Ans: Dear Anonymous,
It's really sad all the years of togetherness becomes nothing in front of physical relationships.
My suggestion would be to work on whatever is coming in between the two of you; which means what is stopping you from having a good sex life must be addressed.
It could be simple medical treatment or mind techniques to work on these challenges. Divorce in my opinion in your case, seems to be an impulsive move taken in frustration. Think it through and calmly address the main issue and work at it. Request your wife also to be a part of this. Do reconsider your decision to separate by trying to work out the differences. Even after that if things persist, then you know what you want to do. But at least give it a try...

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  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 13, 2025

Relationship
my name is madhuri. i am married for almost 8 years but not having children. I am not having sex life with my husband due to his busy work schedule i am suffering a lot due to pressure of having children.my age is 34 years and my husband age is 37 years he is bank employee. he is not interested in having sex with me he says he doesn't like me.i am depressed about it . please give any suggestions to improve our relationship.
Ans: Dear Madhuri,
it’s crucial to understand that a relationship thrives on mutual respect, communication, and emotional connection. The fact that your husband is openly expressing disinterest and lack of affection is a serious concern. It’s important to have an honest and open conversation with him about how his words and actions are affecting you. Try to create a safe space where both of you can express your feelings without judgment or blame. This conversation might help uncover underlying issues that are contributing to the distance in your relationship.

Given that he is prioritizing his work and seems detached, it might be helpful to explore whether external factors, such as stress from his job or other personal struggles, are contributing to his behavior. Understanding his perspective could provide insights into why he’s emotionally and physically withdrawn. However, his dismissive attitude towards you is something that needs to be addressed with seriousness and care.

It's equally important to focus on your own emotional well-being. Feeling neglected and pressured can lead to significant emotional distress. Consider seeking support from a counselor or therapist, either individually or as a couple. Therapy can offer a safe environment to explore your feelings, work through the pain, and develop strategies to improve communication and intimacy in your marriage.

Additionally, it’s vital to find ways to nurture yourself emotionally and physically. Engage in activities that bring you joy, seek support from trusted friends or family members, and consider joining support groups where you can connect with others who might be facing similar challenges. Your well-being is paramount, and finding ways to care for yourself can help build resilience and strength as you navigate these difficulties.

Ultimately, a healthy relationship requires effort and willingness from both partners. If your husband is unwilling to engage or make changes, it may be necessary to reflect on what you want for your future and whether this relationship is meeting your emotional needs. Remember, you deserve love, respect, and fulfillment in your marriage.

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Mayank Chandel  |1994 Answers  |Ask -

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Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Money
Hello Sir, this is Dhiraj DM, I am 48 year's old married with no kids, we have any flat worth 1. 5 cr given on rent around 50 lakhs of equity 20 lacs mutual funds we want to retire in next 3 years,please guide. We live in a metro no liability, we r into Gifting business now want to retire in next 3 years
Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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