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Kanchan

Kanchan Rai  |646 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.
Latest Questions
Nayagam P

Nayagam P P  |10858 Answers  |Ask -

Career Counsellor - Answered on Dec 16, 2025

Asked by Anonymous - Dec 13, 2025Hindi
Career
Hello sir I have literally confused between which university to pick if not good marks in mht cet Like sit Pune or srm college or rvce or Bennett as I am planning to study here bachelors and masters in abroad so is it better to choose a government college which coep and them if I get them my home college which Kolhapur institute of technology what should I choose a good university? If yes than which
Ans: Based on my extensive research of official college websites, NIRF rankings, international recognition metrics, placement data, and masters abroad admission requirements, your choice between COEP Pune, RVCE Bangalore, SRM Chennai, Bennett University Delhi, and Kolhapur Institute of Technology (KIT) fundamentally depends on five critical institutional aspects essential for successful masters admission abroad: global research output and international collaborations, CGPA-based competitiveness (minimum 7.5-8.0 required for top international programs), faculty expertise in emerging technologies, international student exchange partnerships, and proven alumni track records at globally-ranked universities. COEP Pune ranks nationally at NIRF #90 Engineering with India Today #14 Government Category ranking, offering robust infrastructure and 11 academic departments with research centers in AI and renewable energy, though international research collaborations are moderate compared to IITs. RVCE Bangalore demonstrates strong national standing with consistent COMEDK admissions competitiveness, excellent placements averaging Rs.35 LPA with highest at Rs.92 LPA, and established international collaborations through Karnataka PGCET-based MTech programs, providing solid foundations for masters applications. SRM Chennai maintains extensive research partnerships with 100+ companies visiting campus, highest packages reaching Rs.65 LPA, and documented international research linkages through sponsored programs like Newton Bhaba funded projects, significantly strengthening masters abroad candidacy through diverse research exposure. Bennett University Delhi distinctly outperforms others in international institutional alignment, recording highest placements at Rs.137 LPA with average Rs.11.10 LPA, explicit academic collaborations with University of British Columbia Canada, Florida International University USA, University of Nebraska Omaha, University of Essex England, and King's University College Canada—these partnerships directly facilitate seamless masters transitions abroad and represent unparalleled institutional bridges to international graduate programs. KIT Kolhapur records respectable placements at Rs.41 LPA highest with average Rs.6.5 LPA, NAAC A+ accreditation, autonomous institutional status under Shivaji University, and 90%+ placement consistency across technical streams, though international research visibility and foreign university partnerships remain comparatively limited. For international masters admission success, universities globally prioritize bachelors institution reputation, minimum CGPA 7.5-8.0 (Bennett and SRM facilitate this through curriculum rigor), GRE/GATE scores (minimum 90 percentile), English proficiency (TOEFL ≥75 or IELTS ≥6.5), research output documentation, and faculty recommendation quality reflecting institution's research culture—criteria most strongly supported by Bennett's explicit international collaborations, SRM's documented research partnerships, and COEP's autonomous departmental research centers. Bennett simultaneously offers global pathway programs reducing masters abroad costs through articulation agreements and provides curriculum aligned internationally with partner institution standards, representing optimal intermediate bridge structure versus direct masters application. The cost-effectiveness and structured transition support through international partnerships, combined with demonstrated placement success and faculty research visibility, position these institutions distinctly above KIT Kolhapur for masters abroad aspirations. For your specific objective of pursuing masters abroad, prioritize Bennett University Delhi first—its explicit international university partnerships with Canadian, American, and European institutions, highest placement packages (Rs.137 LPA), and structured global pathway programs create seamless masters transitions with reduced costs. Second choice: SRM Chennai, offering extensive research collaborations, documented international linkages, and competitive placements (Rs.65 LPA highest) strengthening masters applications. Third: COEP Pune, delivering strong national standing and autonomous research infrastructure. Avoid RVCE and KIT due to limited international visibility and explicit foreign university partnerships compared to the above three institutions. All the BEST for a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10894 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 16, 2025

Money
I have 450000 on hand, looking into my kids goingto university in 13 years
Ans: I truly appreciate your clear goal and long planning horizon.
Planning children’s education early shows care and responsibility.
Your patience of thirteen years is a strong advantage.
Having Rs. 4,50,000 ready gives a solid starting base.

» Understanding the Education Goal Clearly
University education costs rise faster than general inflation.
Professional courses usually cost much more.
Foreign education costs can rise even faster.
Thirteen years allows equity exposure with control.
Time gives scope to correct mistakes calmly.
Clarity today reduces stress later.

Education is a non-negotiable goal.
Money should be ready when needed.
Returns are important, but certainty matters more.
Risk must reduce as the goal nears.

» Time Horizon and Its Advantage
Thirteen years is a long investment window.
Long horizons help equity recover from volatility.
Short-term market noise becomes less relevant.
Compounding works better with patience.
This time allows phased asset changes.

Early years can take moderate growth risk.
Later years need capital protection.
This shift must be planned in advance.
Discipline matters more than market timing.

» Role of Rs. 4,50,000 Lump Sum
A lump sum gives immediate market participation.
It saves time compared to slow investing.
However, timing risk must be managed carefully.
Markets can be volatile in short periods.
Staggered deployment reduces regret risk.

This amount should not sit idle.
Inflation silently erodes unused money.
Cash gives comfort, but no growth.
Balanced deployment creates confidence.

» Asset Allocation Approach
Education goals need growth with safety.
Pure equity creates unnecessary stress.
Pure debt fails to beat education inflation.
A blended structure works best.

Equity provides long-term growth.
Debt gives stability and predictability.
Gold can add limited diversification.
Each asset has a specific role.

Allocation must change with time.
Static plans often fail near goals.
Dynamic rebalancing improves outcomes.

» Equity Exposure Assessment
Equity suits long-term education goals.
It handles inflation better than fixed returns.
Active management helps during market shifts.
Fund managers can adjust sector exposure.

Active strategies respond to changing economies.
They manage downside better than passive options.
They avoid blind market tracking.
Skill matters during volatile phases.

Equity volatility is emotional, not permanent.
Time reduces its impact significantly.
Regular reviews keep risks under control.

» Why Actively Managed Funds Matter
Education money cannot follow markets blindly.
Index-based investing copies market mistakes.
It cannot avoid overvalued sectors.
It lacks flexibility during crises.

Active funds can reduce exposure early.
They can increase cash when needed.
They can protect capital during downturns.
They aim for better risk-adjusted returns.

Education planning needs judgment, not automation.
Human decisions add value here.

» Debt Allocation and Stability
Debt balances equity volatility.
It provides visibility of future value.
It helps during market corrections.
It offers smoother return paths.

Debt is important as the goal nears.
It protects accumulated wealth.
It reduces last-minute shocks.
It supports planned withdrawals.

Debt returns may look modest.
But stability is its true benefit.
Peace of mind has real value.

» Role of Gold in Education Planning
Gold is not a growth asset.
It works as a hedge during stress.
It protects during global uncertainties.
It diversifies portfolio behaviour.

Gold allocation should remain limited.
Excess gold reduces long-term growth.
Its price movement is unpredictable.
Moderation is essential here.

» Phased Investment Strategy
Deploying lump sum gradually reduces timing risk.
It avoids emotional regret from market falls.
It allows participation across market levels.
This approach suits cautious planners.

Phasing also improves confidence.
Confidence helps stay invested long term.
Consistency beats perfect timing always.

» Ongoing Contributions Alongside Lump Sum
Education planning should not rely only on lump sum.
Regular investments add discipline.
They average market volatility.
They build habit-based wealth.

Future income growth can support step-ups.
Small increases matter over long periods.
Consistency outweighs size in investing.

» Risk Management Perspective
Risk is not market volatility alone.
Risk includes goal failure.
Risk includes panic withdrawals.
Risk includes poor planning.

Diversification reduces risk effectively.
Rebalancing controls excess exposure.
Regular reviews catch issues early.
Emotions need structured guardrails.

» Behavioural Discipline and Emotional Control
Markets test patience frequently.
Education goals demand calm decisions.
Fear and greed harm outcomes.
Plans fail due to emotions mostly.

Pre-decided strategies reduce mistakes.
Written plans improve commitment.
Periodic review gives reassurance.
Staying invested is crucial.

» Importance of Review and Monitoring
Thirteen years bring many changes.
Income levels may change.
Family needs may evolve.
Education preferences may shift.

Annual reviews keep plans relevant.
Asset allocation needs adjustment.
Performance must be evaluated objectively.
Corrections should be timely.

» Tax Efficiency Awareness
Tax impacts net education corpus.
Equity taxation applies during withdrawal.
Long-term gains get favourable rates.
Short-term exits cost more.

Debt taxation follows income slab rules.
Planning withdrawals reduces tax impact.
Staggered exits help manage tax burden.
Tax planning should align with goal timing.

Avoid frequent unnecessary churning.
Taxes quietly reduce returns.
Simplicity supports efficiency.

» Liquidity Planning Near Goal Year
Final three years need special care.
Market risk must reduce steadily.
Liquidity becomes priority over returns.
Funds should be easily accessible.

Avoid last-minute equity exposure.
Sudden crashes hurt planned education.
Gradual shift reduces anxiety.
Preparation avoids forced selling.

» Inflation Impact on Education Costs
Education inflation exceeds normal inflation.
Fees rise faster than salaries.
Accommodation costs also rise.
Foreign education adds currency risk.

Growth assets are essential initially.
Ignoring inflation leads to shortfall.
Planning must consider future realities.
Hope alone is not a strategy.

» Currency Risk Consideration
Overseas education includes currency exposure.
Rupee depreciation increases cost burden.
Diversification helps partially manage this.
Early planning reduces shock later.

This aspect needs periodic reassessment.
Flexibility helps adjust plans.
Preparation gives confidence.

» Emergency Fund and Education Goal
Education funds should not handle emergencies.
Separate emergency money is essential.
This avoids disturbing long-term plans.
Liquidity prevents panic selling.

Emergency planning supports education planning indirectly.
Stability improves decision quality.

» Insurance and Protection Perspective
Parent income supports education plans.
Adequate protection is important.
Unexpected events disrupt goals severely.
Risk cover ensures plan continuity.

Insurance supports planning discipline.
It protects dreams, not investments.
Coverage must match responsibilities.

» Avoiding Common Education Planning Mistakes
Starting too late increases pressure.
Taking excess equity near goal is risky.
Ignoring inflation leads to shortfall.
Reacting emotionally harms returns.

Chasing past performance disappoints.
Over-diversification reduces clarity.
Lack of review causes drift.
Simplicity works best.

» Role of Professional Guidance
Education planning needs structure.
Product selection is only one part.
Behaviour guidance adds real value.
Ongoing review ensures discipline.

A Certified Financial Planner adds perspective.
They align money with life goals.
They manage risks beyond returns.

» 360 Degree Integration
Education planning connects with retirement planning.
Cash flow planning supports investments.
Tax planning improves efficiency.
Risk planning ensures stability.

All areas must align together.
Isolated decisions create future stress.
Integrated thinking brings peace.

» Adapting to Life Changes
Career shifts may happen.
Income gaps may occur.
Expenses may increase unexpectedly.

Plans must remain flexible.
Flexibility prevents panic decisions.
Adjustments should be calm and timely.

» Final Insights
Your early start is a major strength.
Thirteen years provide meaningful flexibility.
Rs. 4,50,000 is a solid foundation.
Structured investing can multiply its value.

Balanced allocation with discipline works best.
Active management suits education goals well.
Regular review keeps risks controlled.
Emotional stability protects outcomes.

Stay patient and consistent.
Education planning rewards long-term commitment.
Clear goals reduce anxiety.
Prepared parents raise confident children.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Nitin

Nitin Narkhede  |113 Answers  |Ask -

MF, PF Expert - Answered on Dec 15, 2025

Money
I am 44 age having son 8yrs., having Health Cover plan, I have MF 12lacs+ Investments in direct Equity MF (Large+MID+Small+Digital fund) +Post Investment 7lacs, PPF 7Lacs + PPF 5Lacs, Wife & Me both have total SIP Investments Total of Rs. 20,000 SIP and PPF 5000p.m. planning for 10-11Years, I want, child Edu 30lacs + Retirement Plan 70,000 p.m. + Health cover after 10-11 years till life age 80. Pls. Advice above plan is ok?. and Please don't share my Deatils to anyone or display any where. Thanks in advance.
Ans: You are 44 years old with an 8-year-old son and have already built a strong financial base through mutual funds, direct equity, PPF, post office schemes, and regular SIPs. Your current investments include around ?12 lakh in mutual funds, ?7 lakh in post office savings, ?12 lakh combined in PPF accounts, and ongoing SIPs of ?20,000 per month, along with ?5,000 monthly PPF contributions. You also have health insurance in place, which is a major positive.

Your key goals are funding your child’s education (?30 lakh in 10–11 years), securing retirement income of ?70,000 per month, and ensuring lifelong health coverage up to age 80. With a 10–11 year horizon, your education goal is achievable by allocating about ?15,000–?18,000 per month to equity-oriented mutual funds and gradually shifting to debt funds closer to the goal. For retirement, a corpus of roughly ?1.6–?1.8 crore is required, and your current savings put you on track, though a small increase in SIPs during income growth years will strengthen the plan. Maintain a balanced asset allocation, increase protection via a super top-up health plan later, and stay disciplined to achieve all goals.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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Nitin

Nitin Narkhede  |113 Answers  |Ask -

MF, PF Expert - Answered on Dec 15, 2025

Asked by Anonymous - Dec 15, 2025Hindi
Money
Hi, i am now 29 and i am seriously in debt trap. My salary is only 35k but i am kind of messed up in payday loans which are not offering more than 30 days. So due to which i have to repay by taking loan against a loan. In this way i could see my repayment has become 3X of my monthly salary. Please suggest me what to do. I am feeling embarassed, as my family members doesnt know this. I need help and suggestions on how to overcome this. Even if i apply for debt consolidation, everytime i am getting rejected due to high obligations. Help me to get out frob payday loans..
Ans: Dear Friends,
You are facing a payday-loan debt trap, which is stressful but solvable. The most important step is to stop taking any new loans or rollovers immediately, as they worsen the situation. List all existing loans with amounts, due dates, and penalties to regain control. Contact each lender and request hardship support such as penalty freezes, installment plans, or settlements—many lenders agree when approached honestly. If possible, close all payday loans using one safer option like a salary advance, employer loan, NBFC loan, or limited family support, as a single structured loan is better than multiple high-cost ones. Share your situation with one trusted person to reduce emotional pressure. Follow a strict short-term budget focusing only on essentials and direct any extra income toward loan closure. Avoid absconding, illegal lenders, or using credit cards for cash. With discipline and negotiation, recovery is achievable within 12–18 months. Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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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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