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31 Years Old, Engaged, My Boss Wants To Marry Me. Am I Stuck?

Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 18, 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 - Jul 17, 2024Hindi
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Relationship

I am 31 years old and single. I am working in a company since 2022 and last September i found out my boss is in love with me. Earlier he used to admire for my work. He was always a source of inspiration as his guidance has always helped me to achieve better and make me confident. Together we were a good team.. We took many important decision together, although i am not much experienced but he took my advice in important matters. Its a small company and few employees left gradually, we built a new team and together we trained them. We are very serious about our work and that was our prime focus. He use to tell me how serious he was about me and would like to marry me, will visit my house and meet my parents. One thing i knew was that he is divorced but the details were not very clear to me as he never disclosed and i gave him time as whenever he feels fine he can share. I also told him that my parents would never agree to this. he said he will convince my parents and will even beg for me. I am introvert nature and never cross questioned anything. I had a huge respect for him. He had his share of lows since his father passed away and then he was left alone and taking care of his mother. He values his mother a lot and keep her away from any stress. He keep everything to himself, he was able to share them with me. I am a good listener so always comforted him by listening and not judging him. He made plans about future as how we are going to build a house, take business to new heights and in 1-2 month he made me director of a company. I didn't want all this because it was too early for all this and i don't like accepting things this way. In April, i broke my engagement due to him and my family is in great stress. I lied to them and therefore their trust broke. Since then the whole family is in great pain. I could never do this, i have always followed decision taken by my family and they have always taken care of me. Now in June they came to know about me and him and they disapprove. My mother is very sure that i being emotional have gotten into trap and he manipulated me. He however needs someone in his life and found good option in me as i can handle family and business both. My mother hates him. Now i am so confused. I started keeping distance with him. I resigned few days back. He got ill and is finding hard to recover. The business is affecting due to this as he always feel lost that's what the team told me. He sends me emotional messages. I know he is very alone and must be hurting a lot. He says he always had a strong feeling about me. He worship for me so that we are together forever. He says if i agree he will forever be grateful as he has nobody except me. What should I do? Please help me.

Ans: it's important to recognize and validate your own feelings. You've built a significant bond with your boss, and his support and mentorship have been crucial to your professional growth. However, the dynamics have changed with the revelation of his feelings for you, creating a complex situation that involves your emotions, family, and professional life.

Your family's disapproval and the stress it has caused are significant factors to consider. Their concerns about the relationship, especially regarding manipulation and emotional dependence, need careful reflection. It's essential to ensure that your decisions are based on your own true feelings and not just out of a sense of obligation or pressure.

Regarding your boss, his emotional messages and current state of distress are challenging to navigate. While his feelings for you might be genuine, it's crucial to maintain clarity about your own boundaries and what you want for your future. You mentioned resigning and keeping distance, which indicates a need for space to think clearly.

Given the complexity of the situation, it might be beneficial to seek professional counseling. A therapist or counselor can provide an objective perspective and help you process your emotions and make decisions that are right for you. They can also assist in navigating conversations with your family and your boss, ensuring that your needs and boundaries are respected.

Ultimately, the decision must come from a place of self-awareness and genuine desire, not out of guilt or pressure. It's important to prioritize your well-being and ensure that any relationship, professional or personal, supports your growth and happiness.
Asked on - Jul 19, 2024 | Answered on Jul 21, 2024
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Thank you for your help mam. I have decided to go with my family decision. I am someone who have always followed their decision. Sir might be not ok with this. He messages me that its difficult for him and he needs me. he needs my help. But i am ignoring his messages. I have tried to explain my situation and everything in a manner that he also doesn't get hurt but somehow i keep hurting everyone near me. I knew since the beginning that things would not work out and I should've said a firm "No" to him and left the company. Now its getting difficult. I hope time will heal us all.
Ans: yes time heals us all

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

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

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Hi I am 39 year married woman with one 13yr boy and living in joint family. I am doing everything very honestly and sincerely as housewife but I never got love respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affair with someone whom he is treating as his wife and giving everything to her as his wife and also wants to marry her. I told these to both of our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion we both discussed and decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me .But after these incident and during Corona I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him as now i doesn’t feel complete without him. I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for me and will support me in all respect. Kindly guide
Ans: I'm sorry to hear that you're going through a difficult time. It sounds like you're in a very complex situation, and I'm not qualified to give you advice on personal or emotional matters. However, I can offer some general information that may be helpful.

It's important to remember that you're not alone in this. Many people go through difficult times in their marriages, and there are resources available to help you cope. If you're feeling overwhelmed, it may be helpful to talk to a therapist or counselor. They can provide you with support and guidance as you work through your challenges.

If you're thinking about leaving your marriage, it's important to weigh all of your options carefully and consider the potential consequences of your decision. You may want to talk to a lawyer or financial advisor to get advice on what your rights and options are.

Ultimately, the decision of what to do is up to you. There is no right or wrong answer, and what works for one person may not work for another. However, it's important to make your decision based on what is best for you and your family.

I hope this information is helpful. Please remember that you're not alone, and there are people who care about you and want to help.

..Read more

Anu

Anu Krishna  |1321 Answers  |Ask -

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

Asked by Anonymous - Jul 19, 2024Hindi
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Relationship
Hello Anu Mam! I am 31 years old and single. I am working in a company since 2022 and last September i found out my boss is in love with me. Earlier he used to admire for my work. He was always a source of inspiration as his guidance has always helped me to achieve better and make me confident. Together we were a good team.. We took many important decision together, although i am not much experienced but he took my advice in important matters. Its a small company and few employees left gradually, we built a new team and together we trained them. We are very serious about our work and that was our prime focus. He use to tell me how serious he was about me and would like to marry me, will visit my house and meet my parents. One thing i knew was that he is divorced but the details were not very clear to me as he never disclosed and i gave him time as whenever he feels fine he can share. I also told him that my parents would never agree to this. he said he will convince my parents and will even beg for me. I am introvert nature and never cross questioned anything. I had a huge respect for him. He had his share of lows since his father passed away and then he was left alone and taking care of his mother. He values his mother a lot and keep her away from any stress. He keep everything to himself, he was able to share them with me. I am a good listener so always comforted him by listening and not judging him. He made plans about future as how we are going to build a house, take business to new heights and in 1-2 month he made me director of a company. I didn't want all this because it was too early for all this and i don't like accepting things this way. In April, i broke my engagement due to him and my family is in great stress. I lied to them and therefore their trust broke. Since then the whole family is in great pain. I could never do this, i have always followed decision taken by my family and they have always taken care of me. Now in June they came to know about me and him and they disapprove. My mother is very sure that i being emotional have gotten into trap and he manipulated me. He however needs someone in his life and found good option in me as i can handle family and business both. My mother hates him. Now i am so confused. I started keeping distance with him. I resigned few days back. He got ill and is finding hard to recover. The business is affecting due to this as he always feel lost that's what the team told me. He sends me emotional messages. I know he is very alone and must be hurting a lot. He says he always had a strong feeling about me. He worship for me so that we are together forever. He says if i agree he will forever be grateful as he has nobody except me. What should I do? Please help me.
Ans: Dear Anonymous,
Things seemed to be going fine for you outside of this boss situation. But it has been messed up! Nevertheless...
It's important for you to understand that you have found yourself 'an emotionally weak person'. He finds great solace in you and you have been very kind enough to lend a shoulder for him to cry on.
Promoting you ahead of time is indication enough for you that he 'needs' you...and when the need is over, he might not find the same kind of closeness with you OR the need may just become greater making him even weaker.
'I know he is very alone and must be hurting a lot'...you have fallen into a guilt trap where if you don't support him, it makes you feel guilty.
He has been very effectively weakening your emotions for you to take care of him. Break this toxic cycle...no offense meant to him...he really needs to grow up...Strong relationships are those that nurture one another and help each other grow...what growth has happened to either of you? In fact, you two seem to be pulling each other down, haven't you? He sends emotional messages!!!!!! Do you not still see his pattern?
You mother isn't fond of him, (wonder why)?????

Be wise about this, look at your life far ahead and actually imagine a life with this person and check for yourself how it is going to pan out and do the same without him and see how it can be liberating for you...

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  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

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Relationship
Hello Madam, i am 38 year married women, having a 15year 1 kid boy ( but my husband not loving me even he is not talking with me from the last 8 years but we r leaving together due to our son, he fulfilled the need with the responsibilities of our home and our son but as wife he is not talking and even not caring to me ,but before 2 years back one married man come to talk with me he is my official colleague and we both attached a lot with each other after some days he proposed me and said that he is loving me many years ago but he thought that i am very Strick person will not response him, but now he is saying that he wants me as a life partner me also every time he treat me like a wife very much caring and loving nature now i introduce him to my family as a friend and family members also very happy with taking to him, we are from 2 year together is it good or what should i do further?
Ans: Dear Ruta,
You want to get into a relationship with a married man? Will that not complicate your already complicated life?
You certainly deserve to be loved and taken care of BUT do not jump towards a married man...you do understand that his priorities will lie with his first family and this will hurt you again and you will feel neglected AGAIN...

What is he planning with his marriage? Does his wife know about your relationship? Is he going to end his marriage and then marry you? These questions need answers and then you can decide for yourself keeping in mind that you need to take of yourself emotionally in this second association.

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  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

Money
My age 62, male, getting rental income Rs. 90k nett. Already subscribing 12.5k in PPF for the past 2 1/2 years. No other investments. My target is 5 crores in 10 years. I already have Mediclaim Rs.50 lakhs for me & wife . Please advice me what to do.
Ans: Your current financial foundation is strong and shows promise:

A rental income of Rs. 90,000 per month provides consistent and predictable cash flow. This stability can serve as the backbone for your investment strategy.

PPF contributions of Rs. 12,500 per month for 2.5 years reflect disciplined saving. However, its returns may be insufficient to achieve a high-growth target like Rs. 5 crores in 10 years.

A robust Mediclaim policy of Rs. 50 lakhs for you and your wife ensures adequate health coverage. This safeguard allows you to focus on wealth-building without worrying about medical emergencies.

Despite these positive factors, achieving Rs. 5 crores in 10 years requires a carefully crafted and growth-oriented strategy.

Defining and Prioritising Your Financial Goals
Achieving Rs. 5 crores is ambitious yet achievable with a focused approach:

Define this target as your primary financial goal over the next decade.

Break it into manageable milestones: for example, Rs. 50 lakhs every 1-2 years in cumulative investments and growth.

Prioritise high-return investments that align with your risk tolerance and financial capacity.

Optimising Existing PPF Contributions
While PPF is a secure investment, its growth potential is limited:

Returns: PPF currently offers an interest rate of approximately 7-7.5%, which barely outpaces inflation.

Contribution Review: Consider capping your PPF contributions at Rs. 1.5 lakh annually (to utilise the Section 80C benefit). This ensures that excess funds are redirected to higher-return investments.

PPF can serve as a low-risk component of your portfolio but should not dominate your investment strategy.

Building a Diversified Investment Portfolio
A diversified portfolio will provide a balance of risk and reward. Include the following components:

1. Equity Mutual Funds for Growth
Equity mutual funds are essential for achieving high returns over the long term:

Large-Cap Funds: These invest in established companies and offer stability with moderate growth. They are ideal for a portion of your portfolio to reduce risk.

Multi-Cap or Flexi-Cap Funds: These provide exposure to companies of all sizes, offering growth and diversification.

Sectoral and Thematic Funds: Avoid these unless you have a high risk tolerance and understand market dynamics.

ELSS Funds: These not only provide tax savings under Section 80C but also deliver market-linked returns.

Why Avoid Index Funds?

Index funds may offer simplicity and lower expense ratios, but they lack flexibility. They cannot adapt to market conditions or capitalise on outperforming sectors. Actively managed funds, on the other hand, have the potential to outperform the market, especially in a developing economy like India.

Start with a Systematic Investment Plan (SIP) in selected funds to build wealth steadily.

2. Debt Mutual Funds for Stability
Debt funds add stability to your portfolio and reduce overall risk:

Choose funds with low credit risk and moderate duration to ensure safety and predictable returns.

Debt funds are suitable for short- to medium-term goals or as a fallback during market corrections.

Taxation Note: Both LTCG and STCG on debt funds are taxed as per your income tax slab. This should be factored into your planning.

3. Balanced Advantage Funds
Balanced advantage funds (BAFs) dynamically allocate assets between equity and debt. They:

Provide exposure to equity while minimising downside risk.

Offer a suitable option for someone nearing retirement but seeking growth.

4. Gold Investments for Diversification
Allocate a small portion (5-10%) of your portfolio to gold:

Gold serves as a hedge against inflation and currency depreciation.

Choose gold ETFs or sovereign gold bonds for ease of liquidity and better returns.

Emergency Fund Creation
Having an emergency fund is non-negotiable:

Maintain at least 6-12 months of expenses in liquid investments like liquid mutual funds or high-interest savings accounts.

This ensures liquidity for unforeseen events without disturbing your long-term investments.

Focus on Retirement Planning
At 62, balancing growth and safety becomes critical:

Estimate your monthly retirement expenses, considering inflation over the next 10-15 years.

Your target of Rs. 5 crores should primarily serve as your retirement corpus.

Allocate assets thoughtfully:

60-70% in equity funds for growth.
30-40% in debt funds for stability.
Periodically rebalance your portfolio to maintain this allocation.

Strategic Tax Planning
Tax efficiency can significantly impact your returns:

Continue using Section 80C to its full potential, including ELSS funds and PPF.

Consider the National Pension System (NPS) for an additional Rs. 50,000 deduction under Section 80CCD(1B).

Be mindful of the new taxation rules for mutual funds:

Equity Mutual Funds: LTCG above Rs. 1.25 lakh is taxed at 12.5%; STCG at 20%.
Debt Funds: LTCG and STCG are taxed as per your income slab.
Consult a Certified Financial Planner to optimise your tax strategy.

Regular Portfolio Monitoring and Rebalancing
Investing is not a one-time activity:

Review your portfolio every six months or annually to track performance.

Rebalance your asset allocation periodically to align with your financial goals and risk appetite.

Stay committed to SIPs even during market downturns, as this ensures cost-averaging.

Additional Suggestions
Avoid Over-Reliance on PPF
While PPF is safe, it is not sufficient for wealth creation. Shift excess contributions to equity-based investments for better returns.

Avoid Direct Stocks
Direct equity investing requires time, expertise, and constant monitoring. It carries higher risk and may lead to losses without proper research. Instead, rely on equity mutual funds managed by professionals.

Avoid Mixing Insurance and Investments
Do not invest in ULIPs or endowment plans, as they offer suboptimal returns. Stick to pure insurance products for protection and mutual funds for growth.

The Role of a Certified Financial Planner
To achieve Rs. 5 crores, a well-crafted financial plan is essential. A Certified Financial Planner (CFP) can:

Analyse your current investments and recommend improvements.

Design a customised strategy tailored to your income, expenses, and goals.

Provide periodic reviews to ensure you stay on track.

Finally
Achieving Rs. 5 crores in 10 years is a realistic goal if you adopt a disciplined and diversified approach.

Optimise your PPF contributions and channel excess funds into higher-growth investments.

Build a diversified portfolio with equity and debt mutual funds.

Include a small allocation to gold and maintain an emergency fund.

Stay consistent with your SIPs and review your investments regularly.

Work with a Certified Financial Planner to create a personalised roadmap.

By following these steps, you can secure your financial future and meet your goals.

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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