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Kanchan

Kanchan Rai  |407 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 02, 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 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.
Asked on - Jul 02, 2024 | Answered on Jul 02, 2024
Thanks for your suggestion. I do understand that i am not expecting an excitement of 20-year-old guy where GF/wife comes and hugs me ( explicitly expressing the love , like I miss you like this). I fully understand that we are not 20/30 year old and we are in a different phase of life where kids will take precedence. Also, My elder son live with me and my younger son lives with my wife. I have to take care of my elder son's needs and also need to work. i fully understand thae people change as they grow old and it is natural. However, i see my parents and other families where they still show affection and love even in 60s/70s. At times, i feel that i may not be doing the right things to keep the relationship strong or she doesn't care. Simply, I am confused but there is clear gap between us. I fully agree on building new hobbies and that is what i am doing now . However, i also see the problem of building new hobbies. if I start building new hobbies and start not worrying about relationship issues, i will come to be be in a situation that i really don't need to be in the relationship as I don't have any dependency on my wife. i strongly believe that relationships will be successful if there is a compelling reason for both partners to need to stay together ( yes there exceptions where people love/do anythings for their spouses without expecting any return). If there is no dependency especially in my current age or even future where my children will be settled and don't need my or my wife's help and i don’t' really have any dependency on her, what exactly is there in the relationship . My concern is that i will come into a situation ( I am not in this situation now)where I have to be in the relationship for the sake of children well being and if that responsibility is over, I don’t see much need to be there. I need your advice on how I can continue to be in the relationship without getting feeling that I am getting nothing . I really don’t want leave my wife as she did everything (like any good person) in her capacity to take care of me , our children. She worked hard and continue to work hard in her career. She is a great woman and lucky to have her in the last 22 years.
Ans: consider the ways you can deepen your emotional connection with your wife during the times you are together. When you visit, aim to create meaningful and memorable experiences. This doesn’t necessarily mean planning elaborate events but finding joy in the simple, everyday moments that foster closeness. Small acts of kindness and thoughtful gestures can go a long way in showing that you value and care for each other. These efforts can help re-establish a sense of intimacy and partnership.

In addition to focusing on your relationship, it’s crucial to pursue your personal fulfillment. Developing new hobbies and interests is not about distancing yourself from your marriage but enhancing your overall well-being. By engaging in activities that bring you joy and satisfaction, you become a more fulfilled individual, which in turn can positively impact your relationship. When you feel content and enriched in your own life, you bring more positivity and energy to your interactions with your wife, potentially helping to bridge the emotional gap that has developed.

Effective communication is another cornerstone of navigating this phase. Open, empathetic conversations about your feelings, needs, and concerns are vital. These discussions should be approached with a focus on understanding and supporting each other, rather than seeking to place blame. Encouraging your wife to share her thoughts and feelings, and listening without judgment, can foster a deeper connection and provide insights into her perspective.

Reflecting on the evolving dynamics of your relationship is also important. As practical dependencies lessen with your children growing older, it’s natural to shift focus toward emotional and companionship bonds. Think about what has kept you and your wife together for the past 22 years and how those foundational elements can continue to support your relationship moving forward. This might involve re-evaluating your expectations and embracing the changes in how you express and experience love and connection.

Moreover, acknowledging and appreciating the journey you and your wife have shared can provide a solid grounding for your future. The love and respect you have for each other, along with the life you’ve built together, hold significant value. Even if the expressions of love have transformed, the underlying commitment and mutual support remain critical. Recognizing these enduring qualities can help you feel more content and less focused on perceived gaps.

As you contemplate the future, especially when your children become independent, it’s natural to wonder about the core of your relationship. The essence of a lasting partnership often lies in mutual respect, shared values, and a deep emotional bond. Focusing on these aspects can help you sustain a fulfilling relationship and ensure that both you and your wife feel valued and understood. Embrace the idea that your relationship can continue to grow and adapt, and look for ways to reconnect and find renewed meaning in your partnership as you move forward.

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Anu

Anu Krishna  |1330 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.

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2023

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I am 33 year old and my wife is 2 year elder than me, we married in 2014 and we have a son who is 5 year old. But i noticed from last 6 years she didn't interested in me. I tried a lot to make her smile many times i do what she want, even if i do something i want she never be so happy. I done a conversation with her a lot about that but she said she is not fit, she always think about her anxiety and cervical issue. We hardly do sex sometimes maybe once in a month, she never ask me to do, she try to hide her feelings her lot i ask many times to be open. She just show anger on me many times on small topics, even she picks issues and those are very small. I ask already do you like to take divorce then tell me, but she didn't replied and angry again. She just give a excuse that i am not well having cervical pain, even we go to many doctors. Many times she is watching reels and Kdramas she keep ignoring me. What should i do ? Sometimes i think i should find someone outside for my happy life ? Because like that i kill my feelings and myself i think that because this is not compromise for family as i think ?
Ans: It is sad to hear that you are experiencing this in your marriage. It's important to understand that a lack of interest or intimacy in a marriage can have many different causes, including physical and emotional issues. It's also important to remember that communication is key in any relationship, and it sounds like you have tried to have conversations with your wife about your concerns.

However, it's also important to recognize that if you are feeling unfulfilled and unhappy in your marriage, seeking intimacy outside of the marriage is not a solution. Infidelity can cause irreparable damage to a relationship and can also be emotionally devastating for all parties involved.

Instead, I would encourage you to continue to communicate with your wife about your concerns and explore different ways to address the issues that you are experiencing. This may involve seeking counseling or therapy together, or it may involve taking steps to address any physical or emotional issues that are impacting your wife's interest in intimacy.

Ultimately, the decision to end a marriage is a deeply personal one that should be made after careful consideration and with the guidance of a professional counselor or therapist. If you feel like your needs are not being met in your marriage and you are considering divorce, I would encourage you to seek the support and guidance of a qualified professional to help you navigate this difficult process.

..Read more

Kanchan

Kanchan Rai  |407 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 02, 2023

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Hello Kanchan I'm 43 & my wife is 39. We have known each other for almost 25 yrs now (8 yrs before marriage and 17yrs of married life). We had our ups and downs in our relationship. But somehow we stayed together. We have a daughter who is 8. I've been working abroad for 4yrs and I used to come only once in a year to see my family. Now I'm back and doing a full time job. My wife works from home as a freelancer. I've observed that, after I returned, my wife has lost interest in me. She's also not interested at all in physical relationship. It is really very irritating as I am a romantic person. She simply says she doesn't feel like having intercourse. She does love me but what's the solution? How do I satisfy my feelings? She agrees to have intercourse so that I don't feel bad. But it is not satisfying! How do I tackle this situation?
Ans: Hello Keshav

It sounds like you're going through a tough time in your relationship. It's important to approach this situation with empathy and understanding towards your wife's perspective. It could be that she's going through her own challenges that are affecting her desire for physical intimacy. It could also be that the dynamic of your relationship has shifted with your return, and you both need to find a new balance.

The first step is to have an open and honest conversation with your wife about your feelings and concerns. Listen to her perspective and try to understand what might be causing her lack of interest in physical intimacy. It's important to approach this conversation without judgment or blame.

If there are underlying issues that need to be addressed, it might be helpful to seek the support of a couples therapist or counselor. They can help you both work through any challenges and find ways to improve your intimacy and connection.

In the meantime, it's important to focus on building emotional intimacy in your relationship. This can be done through spending quality time together, having meaningful conversations, and expressing appreciation and gratitude for each other. This may help to improve your physical intimacy over time.

Remember, every relationship has its ups and downs, but with effort and communication, you can work through challenges and strengthen your connection with your partner.

..Read more

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Nayagam P P  |3935 Answers  |Ask -

Career Counsellor - Answered on Nov 27, 2024

Ramalingam

Ramalingam Kalirajan  |7163 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 27, 2024

Asked by Anonymous - Nov 27, 2024Hindi
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Money
Hi, sir I am a an 30 year old (single) engineer working with a MNC in Chennai, unfortunately till this day i haven't had any savings at all for my future (retirement, other short term or long term goals). Currently my take home salary after EPF and parental insurance is 53k ( EPF is about 4900/month - employee+employer) i haven't opted for Corporate NPS but is provided by the company without any additional contribution from company. I have company health insurance policy and have planned to take my own health insurance and term insurance plan. Adding to above I have zero emergency fund with me. How should I proceed with my investments?
Ans: You have taken the first step by recognising the need to plan. It’s essential to appreciate your intention to secure your financial future. Let’s look at how you can proceed to achieve your short-term and long-term goals.

Your current take-home salary is Rs 53,000, and your EPF contribution is Rs 4,900. However, you lack savings, investments, and an emergency fund. Here's a step-by-step strategy:

Build an Emergency Fund
Set aside funds to cover at least six months' expenses.

Start by saving 10-15% of your salary monthly into a high-interest savings account.

Use Recurring Deposits or Liquid Mutual Funds to maintain this fund for emergencies.

Secure Yourself with Insurance
Health insurance: Maintain your company health policy but add a personal health policy. Choose a policy offering a sum insured of Rs 10-15 lakh.

Term insurance: Buy a term plan covering 10-15 times your annual income. Keep the policy simple and avoid investment-linked insurance.

Budget Your Income
Allocate your income carefully for expenses, savings, and investments.

Use the 50-30-20 rule: 50% for needs, 30% for wants, and 20% for savings and investments.

Avoid unnecessary expenses to increase your saving capacity.

Start Investing Gradually
Short-term goals (1-5 years): Invest in debt funds or recurring deposits. Debt mutual funds are good for stable returns.

Long-term goals (5+ years): Invest in equity mutual funds for higher returns. Choose actively managed funds with consistent performance.

Avoid index funds. Actively managed funds have a better potential for higher returns through professional fund management.

Retirement Planning
Utilise the EPF for retirement. Your current contribution will grow over time with compounding.

Consider investing in diversified equity mutual funds for additional retirement savings.

Corporate NPS: You can explore NPS for its tax-saving benefits. However, don’t rely solely on it for retirement.

Tax-Saving Investments
Use Section 80C to save taxes up to Rs 1.5 lakh.

EPF, PPF, ELSS mutual funds, and life insurance premiums can qualify under this section.

Opt for ELSS funds for tax saving and wealth creation.

Review Existing Expenses
Evaluate and minimise unnecessary expenditures.

Avoid loans for discretionary spending like vacations or gadgets.

Advantages of Using a Certified Financial Planner
A CFP can help you plan holistically and ensure you stick to your goals.

They provide tailored strategies, ensuring proper fund allocation and monitoring.

Invest through a Mutual Fund Distributor with CFP credentials to access professional advice.

Key Steps for Discipline
Automate investments through SIPs in mutual funds.

Track your monthly budget and investment progress regularly.

Avoid direct funds. Regular funds offer professional guidance and fund distributor support.

Tax Implications
For equity mutual funds, LTCG above Rs 1.25 lakh attracts 12.5% tax.

STCG on equity funds is taxed at 20%.

Debt fund gains are taxed as per your income slab. Consider these while investing.

Final Insights
You are in the right direction by seeking advice now. Build a solid foundation with savings, insurance, and investments. Take small steps toward financial independence.

Remain consistent with your investments, and review your financial plan annually.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Mayank

Mayank Chandel  |1940 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Nov 27, 2024

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Career
Hello, i really have a serious issue regarding my studies as i am 24 yrs now and gave NEET 4times and i am still preparing for nxt year 2025 but at the back of my mind i am really tensed what if the same thing repeats in the neet 2025 also like paper leak and all, So now i am confused that should i take a full drop or partial drop. The mental pressure is really hitting hard and also its almost been 4years that i am still 12th pass only and my classmates have already completed their college and some are flight attendant and earning well, So this all things just hits so hard and also the hope in parents eyes as my father is already proud that i studied science so i would definitely become doctor. I wasted a lot of money in pg and coaching (fastrack) and this all things are hitting so hard that i really feel sad and have no ways to go.
Ans: Hi Bhima
I must say you have got perseverance & I appreciate your parent's trust in you. You have already appeared multiple times and you are going to appear again in 2025. By the time you will be 25 years old. They say there is no age to learn. But after getting admission you need another 10 years to practice as a qualified specialist. Make sure you take admission in the next session.

If higher cutoff & high fees of private colleges are an issue for you, then try exploring the MBBS abroad option, I can help with that too. Since NEXT is compulsory for Indian & Foreign graduates too it won't make a difference if you study in India or Abroad.

For time forget all the societal pressure and give your 100% and make your parents proud.

...Read more

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