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

Kanchan

Kanchan Rai  |571 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  |119 Answers  |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  |1576 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

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Ramalingam

Ramalingam Kalirajan  |8185 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi
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Money
i need guidance. i am 63 yrs with housing loan of 70lakh. Only asset is a house with market value 2 crore. i have 2 daughters to be married. I need to retire and start my practice as doctor. Guie me to a investment to live with 30000 monthly and to buy a house 0f 8 lakhs after disposing the property/ Presently earning 1.5L per month. pl suggest. shud i sell the property
Ans: Your situation requires a well-thought-out financial strategy. You have a housing loan of Rs 70 lakh, a house worth Rs 2 crore, and a need for Rs 30,000 per month after retirement. Additionally, you plan to buy a house worth Rs 8 lakh and have two daughters to be married. Below is a structured approach to help you achieve financial stability.

Selling the Property – A Necessary Step?
Selling your house is a practical option. Your outstanding loan is Rs 70 lakh, and the house is worth Rs 2 crore.

After repaying the loan, you will have Rs 1.3 crore. This can be used for investments and future expenses.

If you continue living in this house, EMIs will be a burden. Selling will free you from debt and give you financial stability.

Consider renting a home instead of buying again. This will keep more money available for investments.

Buying a House for Rs 8 Lakh
If you want to buy a smaller house for Rs 8 lakh, use only a small portion of your funds.

Avoid taking another loan. Pay for the house in full from the sale proceeds.

Ensure the house is in a location with good facilities, medical access, and safety.

Creating an Investment Plan for Rs 1.3 Crore
After selling your house and clearing the loan, you will need an investment plan.

Keep Rs 10-15 lakh in a bank FD or liquid mutual funds. This will act as an emergency fund.

Invest Rs 30-40 lakh in debt mutual funds. These provide stability and liquidity.

Invest Rs 50 lakh in equity mutual funds for long-term wealth growth. Use regular plans with a Certified Financial Planner.

Keep Rs 10-15 lakh in a balanced fund for moderate returns with lower risk.

Generating Rs 30,000 Monthly Income
Debt mutual funds can provide a stable withdrawal option. Withdraw systematically for monthly expenses.

Use a mix of dividend and growth options. This ensures you get both regular income and capital appreciation.

Equity funds will provide growth, helping you sustain your money for 20-25 years.

Managing Daughters’ Marriage Expenses
If you need Rs 20-30 lakh for each daughter’s wedding, set aside Rs 40-60 lakh from the sale proceeds.

Invest this amount in a mix of debt and equity funds. This will help you reach your goal in a few years.

Avoid withdrawing from your retirement corpus for wedding expenses.

Starting Your Medical Practice
If you plan to start a medical practice, keep Rs 10-20 lakh for setting it up.

Avoid heavy investments in infrastructure initially. Work from an existing clinic or shared space.

Ensure you have medical indemnity insurance to protect yourself.

Final Insights
Selling your house will give you financial freedom and remove loan pressure.

Invest wisely to generate a steady monthly income and secure your daughters' futures.

Do not invest in real estate again. Keep your funds liquid and flexible.

Work with a Certified Financial Planner to review your investments regularly.

Focus on financial security rather than high-risk investments.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8185 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

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Money
Dear Sir, I am 47 years old IT professional. My current salary is 1.5 lakhs per month. I have a daughter who just completed her 10th board exam. My corpus is around 1.6Cr FD&PPF; 30 lakhs in MF & stocks; 50 lakhs in EPF. I have no debt and living in my own house. Please suggest if I can plan for retirement
Ans: Your financial position is strong, and planning for retirement at 47 is a smart decision. Below is a detailed 360-degree approach to assess whether you can retire comfortably and how to ensure financial security.

Understanding Your Current Financial Position
Income: Rs 1.5 lakh per month.

Corpus:

Rs 1.6 crore in Fixed Deposits (FD) and Public Provident Fund (PPF).

Rs 30 lakh in mutual funds and stocks.

Rs 50 lakh in Employees' Provident Fund (EPF).

Liabilities: No debts.

Assets: Own house, ensuring no rent or EMI burden.

Family Responsibility:

Daughter has just completed the 10th board exam.

Higher education expenses need to be planned.

Key Considerations Before Retirement
Expected Retirement Age

If you plan to retire early (before 55), corpus sustainability needs careful assessment.

If you work till 60, it will provide a larger financial cushion.

Post-Retirement Expenses

Living expenses, healthcare, travel, and lifestyle costs must be considered.

Inflation will increase future expenses.

Daughter’s Education

Higher education costs are significant.

Corpus should cover both education and retirement without compromise.

Medical Expenses

Health costs increase with age.

A high health insurance cover is essential.

Wealth Growth vs. Safety

A mix of equity and debt investments ensures growth while preserving capital.

Excessive reliance on FDs and PPF may limit long-term wealth accumulation.

Assessing If You Can Retire Comfortably
Current Corpus Size

Rs 2.4 crore (excluding house) is a strong starting point.

But, inflation will reduce its real value over time.

Expected Corpus Growth

Investments in mutual funds and stocks should continue to grow.

PPF and EPF offer stable but lower returns.

Withdrawals Post-Retirement

Sustainable withdrawals should not deplete the corpus too soon.

A balanced investment strategy is required.

Gaps in Planning

Heavy reliance on FDs and PPF may not be ideal.

More equity exposure can ensure inflation-beating returns.

Steps to Strengthen Your Retirement Plan
1. Optimising Investment Strategy
Continue investing in mutual funds with a mix of large-cap, mid-cap, and flexi-cap funds.

Reduce dependence on FDs for long-term needs.

Equity mutual funds help counter inflation and grow wealth.

Avoid index funds as they provide average returns without active management.

Regular funds through a Certified Financial Planner (CFP) offer expert monitoring.

Diversify investments between equity, debt, and fixed-income products.

2. Planning for Daughter’s Education
Higher education costs can be Rs 30-50 lakh in the next 5-7 years.

Separate this goal from your retirement plan.

Increase equity investment to build an education corpus.

Avoid withdrawing from retirement savings for education.

3. Building a Healthcare Safety Net
Health insurance should cover at least Rs 30-50 lakh.

Consider super top-up plans for additional coverage.

Maintain an emergency medical fund to cover non-insured expenses.

Review insurance policies periodically.

4. Creating a Sustainable Withdrawal Plan
Avoid withdrawing a large portion of the corpus in early retirement years.

Keep at least 5 years of expenses in liquid assets.

Equity exposure should reduce gradually as retirement progresses.

Use dividends and interest income before selling assets.

Final Insights
Retirement is possible, but adjustments are needed for long-term security.

Continue investing aggressively for the next few years.

Ensure daughter's education is planned separately.

Review investments and insurance regularly.

Keep flexibility in withdrawal strategy post-retirement.

A structured plan will ensure a financially secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8185 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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Money
My employer offers a salary sacrifice scheme for pension contributions, but I don't fully understand how it works. What are the potential advantages and disadvantages of joining such a scheme, and how does it affect my take-home pay and long-term financial planning?
Ans: A salary sacrifice scheme for pension contributions allows you to give up a portion of your salary in exchange for increased employer contributions to your pension. It has tax and National Insurance (NI) advantages but also some potential drawbacks.

How Salary Sacrifice for Pension Works
You agree to reduce your gross salary by a chosen amount.

Your employer contributes this amount directly to your pension.

Since your taxable salary is lower, you pay less income tax and NI.

Your employer also saves on NI and may pass on some or all of this saving to your pension.

Advantages
1. Tax and NI Savings
You don’t pay income tax or NI on the sacrificed amount.

Your employer saves on NI (currently 13.8%) and may increase your pension with these savings.

2. Higher Pension Contributions
Since more money goes into your pension, your retirement corpus grows faster.

Compounding over time enhances long-term wealth.

3. Increased Take-Home Pay
Although you sacrifice part of your salary, the NI savings may offset some of the reduction.

Depending on employer policies, your net pay may not drop significantly.

4. Potential Employer Matching
Some employers pass their NI savings into your pension, increasing your total contributions.

Disadvantages
1. Reduced Gross Salary
A lower salary means reduced future pay rises if they are percentage-based.

Life cover, sick pay, and redundancy pay linked to salary may be affected.

2. Lower Borrowing Capacity
Mortgage applications consider salary; a lower reported income might reduce borrowing potential.

3. Impact on State Benefits
If salary drops below certain thresholds, statutory benefits like maternity pay and state pension could be affected.

4. Restricted Access to Pension
The extra pension savings cannot be accessed before retirement (except under specific conditions).

Effect on Take-Home Pay
Your net pay will be slightly lower, but less than the actual amount sacrificed.

The tax and NI savings cushion the impact.

If your employer adds their NI savings, your total retirement savings increase.

Effect on Long-Term Financial Planning
Your pension fund grows faster, improving retirement security.

Short-term disposable income is slightly reduced, so budget planning is important.

Consider how the reduced salary affects other financial goals like buying a house or saving for education.

Should You Opt for It?
If employer NI savings are passed to your pension, it’s highly beneficial.

If you are close to lower tax bands or state benefit thresholds, assess the impact.

If you plan to apply for a mortgage, check how it affects your eligibility.

A Certified Financial Planner (CFP) can help assess your personal situation before making a decision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8185 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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Money
Hi Sir , Greetings of the day!! hope you are doing well !! I want to do a savings of 50 lacs in as much less time span as possible because I want to buy a property in Gurgaon. My monthly salary is 1 lac 11k and I am currently investing 10k in mutual fund monthly and 50k in nps yearly. Can you please guide me how can I save 50 lacs and in how much time ?
Ans: Your goal of saving Rs 50 lakh for a property in Gurgaon is ambitious but achievable with the right strategy. Below is a structured approach to help you reach your target in the shortest possible time.

Understanding Your Current Financial Position
Your monthly salary is Rs 1.11 lakh.

You invest Rs 10,000 per month in mutual funds.

Your annual NPS contribution is Rs 50,000.

You haven't mentioned any liabilities or existing savings. If you have any ongoing EMIs or debts, they should be factored in.

Key Considerations for Achieving Rs 50 Lakh Target
The speed of reaching Rs 50 lakh depends on savings rate and returns.

High savings rate is the most reliable way to accumulate wealth.

Investment returns are uncertain and depend on market conditions.

A balanced approach is necessary to ensure stability and growth.

Increasing Your Savings Rate
Currently, you are investing Rs 10,000 per month.

If you can increase it to Rs 50,000 per month, you will reach Rs 50 lakh faster.

Cutting discretionary expenses will free up more money for investments.

Consider reducing unnecessary spending on dining out, luxury items, and vacations.

Redirect bonuses, incentives, or salary hikes towards savings.

Choosing the Right Investment Instruments
Mutual Funds for Growth
Actively managed equity mutual funds can generate better returns than fixed deposits.

A mix of large-cap, mid-cap, and small-cap funds can balance risk and reward.

Mid-cap and small-cap funds have higher growth potential but also higher volatility.

Avoid index funds as they provide average returns and lack active risk management.

Debt Investments for Stability
Fixed deposits, debt mutual funds, and PPF provide stability.

These should be used for short-term parking rather than long-term growth.

Debt mutual funds are taxed based on your income tax slab.

Avoid locking too much money in low-return instruments.

Balancing Risk and Return
Investing entirely in equity mutual funds can generate high returns but comes with volatility.

A mix of 80% equity and 20% debt can provide stability.

As your target nears, shift more funds towards safer instruments.

Avoid speculation and high-risk investments like cryptocurrency.

Role of NPS in Your Goal
NPS is good for retirement but not ideal for short-term goals.

Partial withdrawal is allowed only under specific conditions.

Do not rely on NPS for your property purchase.

Managing Tax Efficiency
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Debt mutual fund gains are taxed as per your income slab.

Investing in tax-efficient instruments will maximize returns.

Estimating the Timeframe
If you invest Rs 50,000 per month, you can accumulate Rs 50 lakh in about 7-8 years with moderate returns.

If you invest Rs 75,000 per month, you can reach Rs 50 lakh in about 5 years.

The faster you increase your savings, the sooner you will achieve your goal.

Final Insights
Increase your monthly investment to at least Rs 50,000.

Focus on actively managed equity mutual funds.

Keep a small portion in debt for stability.

Avoid unnecessary expenses and invest salary increments.

Do not depend on NPS for this goal.

Monitor and adjust your portfolio as needed.

Stay disciplined and patient to achieve your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

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