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Unhappy in Marriage: Seeking Advice at 50

Ravi

Ravi Mittal  |459 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Ravi Mittal is an expert on dating and relationships.
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Asked by Anonymous - Sep 15, 2024Hindi
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Relationship

I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.

Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

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Anu

Anu Krishna  |1394 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 12, 2021

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Relationship
Dear Anu, I am a 44-year-old married man. My wife and I had a love marriage. But just after the birth of our second child we started developing some smaller differences and issues. Nothing really major. However my wife started staying away from me physically. The intimacy and love in the relationship reduced and eventually stopped. Along the way I tried to go close to her but she wasn't interested. I tried a lot but it didn't help. We even tried to go to the counselor but she wasn't quite interested so we stopped midway. Now eight years have passed since we have had any physical closeness. We live like roommates just looking after the kids. However now my wife is making attempts to come close to me but somehow I don't feel anything for her and I am not co-operating. I feel like I just want to go away from everyone and start living independently. What is your advice? We have two daughters.
Ans: Dear N, What went through your wife’s mind at the time of the birth of your second child is something that needs to be addressed.

Maybe the work of bringing up two children exhausted her or there was a hormonal disturbance that made her lose interest. But let bygones be bygones.

Now that she is trying to get closer, maybe you can also try to see what the two of you can do to rebuild the closeness.

Rather than jump straight to sex, create closeness step by step.

Spend quality time together, watch movies, engage in a hobby together, cook together…the fondness and affection outside the bedroom might help breaking the ice and you start to at least engage in an affectionate manner towards one another.

It is easy to walk out of a marriage but do remember what the reason to walk out will be?

After a few years, it might not been worth it at all…Why not at least give the above suggestions a try?

Engage as friends with no expectations from one another and let the purpose be a happy engagement just like the one we have with out friends.

You also have two daughters who definitely want to be in a loving family; so give this a chance and see if it works out. You have nothing to lose but everything to gain.

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Anu

Anu Krishna  |1394 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Hello, I am married for the last 15 years with 2 kids. All though for entire period of this 15 years has been a roller coaster in the relationship, All of a sudden since the last 7 months the relationship has detoriated with my wife sleeping with the kids, not talking to me, cutting my social circles. Have tried talking to her directly and through some common links, but she does not talk & infact has cut all the channels. i have tried being home all the time and do all the house hold cores, take care of the children, but no impact on her. She is a deperession patient and refuses to consult the doctor. I feel i had enough and want to look options for seperation. Kindly advise
Ans: Dear Anonymous,
It's unfortunate that you have waited this long to take note of how your relationship has been deteriorating. Also, has your wife been clinically diagnosed as having depression? If not, please don't assume as it will pose an issue while working on your marriage.
Seek the help of a marriage therapist who can guide the two of you back into rebuilding the marriage. Sleeping separately is a huge signal that she has cut off physically and emotionally from you and there could be numerous reasons along the way for it./ Don't delay seeing a professional and take this step not to get into a blame game situation but to actually work on your marriage. Make this humble attempt as it takes one rash move to end things.

But if you feel strongly that nothing is working, consult with a lawyer who specializes in separation

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: https://www.facebook.com/anukrish07/ AND https://www.linkedin.com/in/anukrishna-joyofserving/

..Read more

Kanchan

Kanchan Rai  |435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 02, 2024

Asked by Anonymous - Jul 02, 2024Hindi
Relationship
i am 50 and my wife is 43. We are living two different countries to help our children to pursue their interests. We are pretty good in financially and i go to my home (where my wife and younger son live) at least 2 to 3 times a year and spend 2 to 3 weeks per trip. We married for the last 22 years and we both of us seen ups and lows of our relationship. Most of the time, we are happy and we did the right things not only for us but also for our children and both are willing to take sacrifices for the sake of children and we wholeheartedly agree on this. However, i see few concerns especially after living separately. 1. really don't see my wife shows much interest about me. She also mentioned that if i come to my home where she lives, she doesn't feel really excited and just normal for her. However, i will be happy to see her and spend time with her. Inspite I come to our home, she really didn't care much about my interests like what food makes me happy. In-fact, she doesn't need to cook and we have cook who does most of the stuff. 2. In-terms of intimacy, she doesn't show much interest and i stopped asking her unless if she initiates and I didn't want to initiate as I start getting rejection from her for the last few years. Overall, if I ask to fulfill my interest (showing love and affection), she says that she cannot do as she is too busy. However, she does other works like taking care of children, spending time with her friends or her own interests she does take care. however, any thing specific to me, she thinks it is not a high priority. I askied clearly to her that why my needs of lower prioirty. Her answer is very vague and she does say that she loves me and she needs me. I am getting a picture that I am there to take care of them financially like building assets, taking care of the children and wife but I am not getting any return from her, I vent my frustration to my wife and asker her to open up and share any concerns. She really don't share any point that could really help me to understand her mind. At this point, I am kind of confused. I am just 50 and she is 43 and i see that there is really not much love. i was thinking when i turn 60 , it would be far worse than today in terms of love and affection. I really don't want to divorce at least for the next 10 years as my kids are growing and i really don't have a compelling reason to do now as I still love my wife and if she is feel bad on any reason , I don't care of these problems and i still be with her to address any problem she has. I support even today for her wants and desires and I do wholeheartedly. Also, She is not a person who cheats me My concern is that I cannot change her much. I would like your advice on How should I change so that i still live happily (regardless of whether i get love from my wife or not) without getting frustations on relathinship issues. Should I accept that this what I would expet from wife and be content.
Ans: Navigating the dynamics of a long-term marriage, especially one complicated by physical distance, is indeed challenging. Your situation is layered with decades of shared history, responsibilities, and deep commitments.
First and foremost, it’s crucial to try to understand your wife's perspective. Living apart can create emotional and physical distance that’s hard to bridge during occasional visits. When she says she’s not particularly excited about your visits, it may not necessarily reflect a lack of love or care. Instead, she might be grappling with the routine and demands of her daily life, which can often dull the excitement of reunions. The responsibilities of managing a household, even with help, combined with the constant care for your children, can be incredibly taxing. This often leaves little room for nurturing the romantic and intimate aspects of a relationship.

It’s also possible that she has grown used to the independence that comes with your living arrangement. Over time, people can adapt to new rhythms and find comfort in their routines, even if those routines don’t include their partner as prominently as before. This doesn’t necessarily mean a lack of love; rather, it’s a shift in how she’s accustomed to living day-to-day.

For your part, consider what you’re seeking from your relationship and what you’re currently receiving. You’ve mentioned feeling like a provider rather than a partner, which can be deeply unsatisfying. Reflect on whether your expectations align with the reality of your relationship. Are you hoping for expressions of affection and excitement that your wife may not be able to provide right now due to her own emotional or practical constraints?

Your frustration and sense of being undervalued are entirely valid. It’s important to acknowledge these feelings and not dismiss them. However, the key is to approach this situation without letting these feelings drive a wedge between you and your wife. Instead of focusing on what’s missing, try to identify what’s still present in your relationship. Your shared commitment to your children and the mutual sacrifices you've made are significant bonds that can still be honored and celebrated.

In terms of intimacy, it’s understandable to feel hesitant about initiating when past attempts have led to rejection. This aspect of your relationship might require open, honest, and non-confrontational dialogue. Let your wife know that you miss the closeness and that it’s important to you, not just physically but emotionally. It’s possible she might not fully realize the impact her disinterest has had on you.

While it’s clear you’re committed to staying in the marriage for at least the next decade, it’s also important to focus on your own happiness. Invest in self-care and activities that bring you joy outside of the relationship. This could be pursuing hobbies, spending time with friends, or even exploring new interests that fulfill you personally. Building a satisfying life for yourself can alleviate some of the pressure on your marriage to meet all your emotional needs.

Acceptance can be a powerful tool in finding contentment. Accepting that your wife may not be able to give you what you once had or what you currently desire doesn’t mean giving up on the relationship. Instead, it’s about finding peace with the current reality while still cherishing and nurturing the aspects of your relationship that are strong and positive.

Remember, relationships are dynamic, and people change over time. What’s crucial is finding a balance that allows you to feel fulfilled and connected, even if it means adjusting your expectations and finding joy in different ways. Continue to express your love and support for your wife and children, but also give yourself permission to seek happiness and fulfillment in ways that are within your control.

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Dr Ashish

Dr Ashish Sehgal  |107 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 12, 2024

Asked by Anonymous - Sep 05, 2024Hindi
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Dear Dr Ashish, How do I get my 14 year old teenage son to talk to me? He talks less, is either angry or grumpy and rarely discusses anything at home with anyone. Is this behaviour normal? He used to be a talkative child when he was younger. How can I help?
Ans: Let me reassure you that you’re not alone in facing this challenge, and what you describe is quite common in teenagers. The teenage years are a time of immense internal transformation. It's as if your son is building a new version of himself, one brick at a time, and sometimes, in that process, he may feel the need to pull away to figure things out.

You see, as children grow, their world expands. Their focus shifts from being family-centered to exploring who they are in the larger world. This doesn't mean he cares any less about you; it simply means he’s working on something deep within himself—maybe even trying to understand emotions and situations he doesn’t yet have the words for.

Now, instead of trying to make him talk, which might feel like pressure to him, consider this: how can you create an environment where he wants to open up? Imagine if, instead of asking direct questions or expressing concern, you shared a small, non-threatening piece of your world. Maybe a funny story about your day or a memory of when you were his age. Sometimes, starting with something light gives him permission to engage without feeling interrogated.

Another way to open doors is through shared experiences. Teenagers often speak more freely when they're not face-to-face. Maybe a walk or a ride, cooking a meal together, or even playing a video game could become moments where he feels comfortable talking.

And when he does speak, no matter how small the opening, meet him with curiosity, not judgment. If he shares something, reflect it back to him in a way that says, "I hear you, and I value what you're saying." For example, if he mentions feeling frustrated, you could say, "It sounds like something’s been tough for you lately," rather than jumping to advice.

Finally, remind yourself—and him—this is a phase, not a permanent state. He is still that talkative child deep inside, but right now, he's learning to balance his need for independence with the safety of your love. Your steady presence, even when he seems distant, will be his anchor.

You’re already asking the right question, and that shows how much you care. Trust the process, and trust your connection. It’s still there, even in the quiet moments.

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Anu

Anu Krishna  |1394 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 12, 2024

Asked by Anonymous - Dec 10, 2024Hindi
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Hi I am 50 yrs male married for last 20 yrs, facing domestic abuse mentally, physically from my wife, she is extremely aggressive and use foul language in front of our 13 yrs daughter, family members, friends, maid, driver... she is keep blaming me if anything went wrong be it is financial, Social and economical . She always blame my parents with very abusive language.. she always say negative things in front of my family members for all the things which went wrong due to her extraordinary aggressive and abusive behavior, she always make issues out of normal conversation.. she is also working. She doesn't talk and whenever i try to ignore her, she physically abusive and use foul language with me.. i am trying to adjust with her for the sake of my daughter future. She is very negative, if i try to help her, she will start shouting and use abusive language and start physically abusive towards me I don't know how deal with strange behavior... I am confused and worried, but due family, daughter and society i am tolerating her. Pls help and suggest best possible solutions
Ans: Dear Anonymous,
Has this started more recently or has it been going on for a while now? This is a good indicator to know if things were most;y like this or if any recent event has triggered this.
If it is a recent thing, I guess you could try and find out what exactly could have caused this. But if it is something that has been happening for a long time, the reasons could be any and many. Since there is also some physical abuse as you mentioned, kindly make an appointment with a professional who will be able to guide your wife through this challenging time. It possibly involves some unresolved things from the past which is making life currently difficult for all of you.
Work as a family unit together for her and not against her. It's going to make matters worse. She may refuse to go to a professional, then the only option left is for you to develop a lot of patience and deal with this adult to adult with her. No fights, quarrels with her but a lot of quiet conversations which she will initially resist but someday she will give in...So if you want the family to get back together in a healthy way, a lot also depends on how you are going to deal with the situation.

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

Ramalingam

Ramalingam Kalirajan  |7255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 12, 2024

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Sir, I am a female private company employee would like to invest Rs 10,00,000 other than in FD's. Considering liquidity and risk pls advise me how to proceed with.
Ans: Your decision to explore alternatives to fixed deposits is commendable. It reflects a balanced approach to achieving better returns while maintaining liquidity and managing risk. Below is a detailed analysis and suggestions on how to proceed with your investment:

Diversified Mutual Fund Portfolio
Mutual funds are ideal for liquidity, risk management, and diversification.

Allocate funds to different mutual fund categories based on your risk appetite and investment goals.

Equity mutual funds: Invest 40% for high returns in the long term. They suit moderate to high-risk tolerance.

Hybrid funds: Allocate 30% to balance equity and debt exposure for stability. These are less volatile.

Debt mutual funds: Invest 30% to preserve capital and ensure liquidity. These offer lower risk.

Actively managed funds are better for growth as they outperform passive options.

Regular plans through an MFD with a CFP offer expert guidance and better fund selection.

Systematic Withdrawal Plan (SWP)
Use SWP for a steady cash flow if needed later.

Withdraw systematically without disturbing the principal.

This strategy maintains liquidity and provides tax efficiency.

Corporate Fixed Deposits and Bonds
Invest 20% in AAA-rated corporate FDs or bonds for better returns than bank FDs.

Ensure the issuer has a strong credit rating for safety.

These options provide fixed income and moderate liquidity.

Gold Investment for Diversification
Allocate 10% to gold through Sovereign Gold Bonds or Gold ETFs.

Sovereign Gold Bonds offer an additional annual interest of 2.5%.

Gold acts as a hedge during economic uncertainties.

Liquid Funds for Emergency Needs
Keep 10% in liquid mutual funds for emergencies or short-term goals.

These provide easy access to funds within 24 hours.

Returns are higher than savings accounts, ensuring better cash management.

Tax Efficiency
Equity mutual funds offer long-term tax benefits if held for over one year.

Debt mutual funds are taxed as per your income slab, but indexation reduces long-term taxes.

Plan withdrawals to optimise tax liability and maximise post-tax returns.

Insurance and Contingency Fund
Before investing, ensure adequate health and life insurance coverage.

Maintain a contingency fund covering at least 6 months of expenses.

This step ensures financial stability during emergencies.

Regular Monitoring
Review your investments quarterly with the help of a Certified Financial Planner.

Rebalance the portfolio based on market conditions and financial goals.

Regular tracking helps mitigate risks and ensures alignment with your objectives.

Avoid Common Investment Mistakes
Avoid direct funds due to the absence of expert advice and monitoring.

Stay away from speculative investments promising quick returns.

Avoid underestimating the importance of professional guidance in fund selection.

Align Investments with Goals
Define short-term, medium-term, and long-term financial goals.

Match investments with respective timelines for effective planning.

Ensure liquidity aligns with your specific needs, avoiding over-commitment to illiquid options.

Final Insights
Your investment should be a mix of growth and safety. Keep funds accessible when required while optimising returns. Diversify wisely and seek professional guidance for fund selection and periodic review. Stay focused on aligning investments with your goals and risk profile.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Anu

Anu Krishna  |1394 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 12, 2024

Asked by Anonymous - Dec 10, 2024
Relationship
Hi doctor, I am 40 yrs old and my wife is 38 married for 14 yrs and have 1 kid who is 11 yrs old. We both are working and we only get to spend time on weekend and during weekdays we hardly get time to talk and see each other due to our shift timings. During weekend I do get urge to be intimate with her but she has lost interest and she doesn't have that urge to be intimate, we spoke about this multiple times and she agrees about this fact as we hardly get intimate once in 6 months or may be more than that. I do have that strong urge and don't want to cheat on my wife or go somewhere else to fullfill my sexual needs, but not sure if there can be any medication which will arouse her so that she can participate willingly in having sex. Even if we happen to get in to action she will just lie on the bed like dead with no emotions and she is constantly thinking of something else in her mind like what I need to cook for tomorrow, or did she do that work in office she will ask me to remind about something tomorrow as she has to do certain task, her mind is all over the place except in the act in the present moment, which really turns me off. Please need your help to save our relationship.
Ans: Dear Anonymous,
Intimacy for a man and women are very different and varied as well.
You cannot NOT connect during the week at an emotional level and then expect your wife to be excited to jump in bed. That's not how it works!
Both of you work which means weekends do get busy with household chores, children and more...there's very little time and energy left for intimate moments.
On your wife's part, she has not learned as yet to leave office work at the office but certainly what to cook for the next day is a huge task if this depends only on her. Why don't the two of you pitch in to distribute the household work between you? That way she does not feel burdened (if she does feel that way)...this also goes a long way in letting her know that you care and you want to help her...
You could also talk about how you can steal some moments after office and before you reach home by meeting at a cafe and sharing time over a cup of coffee. This definitely will make your wife feel more connected and emotionally secure which is a start point to easing of your sexual relationship.
Basically, get back to the dating scene and make your relationship a priority. A great sexual life is a product of the connection that a couple share outside the bedroom and the willingness on the part of the couple to make that happen.

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

Ramalingam

Ramalingam Kalirajan  |7255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2024

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I have 20 lakhs in my account and a house in my name. At present I am not earning. I have taken SBI Life smart wealth builder with installment of 1Lakh, for 12 years and premium payment term of 7 years. Applicable tax rate is 18%. I also invested in MF and taken a health insurance. I am thinking if it would be wise to continue with the SBI life. If I close SBI life and invest that in MF will it be beneficial for me? I have taken a break from my career due to health issues, and planning to continue with my job soon with an expected income of 40-50k. I am 50 years old. I need to take care of my son's (18 years) higher studies and plan for my retirement.
Ans: You are in a transitional phase with important financial goals. Let’s assess your options to make informed decisions.

Assessing SBI Life Smart Wealth Builder Policy
High Cost of Policy: The policy includes administration charges, fund management fees, and taxes of 18%.

Limited Returns: ULIPs often provide lower returns compared to actively managed mutual funds.

Lock-in Period: Your policy locks funds, restricting liquidity for immediate goals.

Surrender Value: Check the surrender value. Early surrender might lead to penalties and reduced returns.

Potential Benefits of Investing in Mutual Funds
Higher Returns: Mutual funds, especially actively managed ones, often outperform ULIPs over time.

Flexibility: You can withdraw funds based on your needs, offering better liquidity.

Diversification: Mutual funds provide exposure to different asset classes, reducing risk.

Cost Efficiency: Investing through a Certified Financial Planner minimises hidden charges and optimises returns.

Managing Your Rs. 20 Lakh Corpus
Emergency Fund: Set aside Rs. 5-6 lakhs in liquid funds or fixed deposits for emergencies.

Education Planning: Allocate funds in short-term debt mutual funds or recurring deposits for your son’s higher studies.

Retirement Corpus: Invest the remaining amount in a mix of equity and debt mutual funds for long-term growth.

Health Insurance Adequacy: Review your existing health insurance to ensure sufficient coverage.

Planning Your Income Resumption
Once you resume work, save at least 20-30% of your income.

Prioritise retirement contributions alongside education planning.

Use surplus income to reduce financial dependency on investments.

Tax Efficiency
Mutual Funds: Equity mutual funds provide tax benefits but watch for LTCG above Rs. 1.25 lakh (taxed at 12.5%).

Surrendering ULIP: Check tax implications on surrender proceeds. ULIPs offer tax exemption if premiums don't exceed 10% of the sum assured.

Health Insurance: Claim Section 80D deductions for premiums paid.

Strategic Steps Forward
Review the policy surrender value. If penalties are high, consider continuing till break-even.

Consult with a Certified Financial Planner for a detailed portfolio review.

Set realistic timelines for education and retirement goals.

Maintain separate funds for short-term needs and long-term growth.

Finally
Your proactive approach will create a strong financial foundation. By reallocating your resources wisely, you can secure your son’s education and your retirement.

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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