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Kanchan

Kanchan Rai  |442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 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 - Jun 02, 2024Hindi
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Relationship

Dear Anu, I am married for 28 yrs. Throughout my marriage, I have felt very insecure about money. I have always tried to be independent but my husband had discouraged it. So though I earned, it wasn't much. It was enough as my pocket money, or maybe a bit more. Then when I was 46yrs old, and my husband 60, he started saying that he could no longer earn and I had to support myself. At first I was shocked and devastated, but gradually i accepted and started working hard. He also started living separately and comes home for 2-3 days, every week. I have stopped needing him emotionally and financially. But he is very inconsistent with his finances, which brings back my earlier insecurity. Also he doesn't practice what he says. Suppose we plan something and I expect that to happen, but then I find he doesn't do it. I feel very cheated. For example, we decided to rent out our garage, and he said that I could pay the electricity bill of our house with that. But then , when we get a tenant, he takes away the money. This is just a small example. Many other , big things have happened . Because of this, I feel frustrated and very dissatisfied with the relationship. But outwardly, we are a happy family. I have a son of 27yrs also. I have tried talking to him about it, but he avoids it. Inspite of telling him time and again to find something to do he refuses it. His career was also very inconsistent, and a very long story. How do I deal with him? Should I leave? I don't want to. But I really don't know what to do.

Ans: I hear the deep frustration and sense of betrayal you're experiencing. Navigating a relationship where financial security and trust are consistently undermined is incredibly challenging, especially after 28 years of marriage. Your feelings are valid, and it’s important to address them thoughtfully.

Firstly, it’s crucial to recognize and validate your own strength and resilience. Despite the obstacles, you've managed to become self-reliant and support yourself financially. This is a significant achievement and speaks to your capability and determination.

Your husband's inconsistent behavior and financial unreliability are understandably distressing. It seems that his actions have repeatedly undermined your sense of security and trust, which are foundational to any relationship. The pattern of him not following through on agreed plans, such as the example of renting out the garage, erodes trust and contributes to your frustration.

Given that he avoids discussions about these issues, it might be helpful to approach the conversation differently. Choose a calm, neutral time to express your feelings clearly and directly, focusing on how his actions impact you emotionally and financially. Use “I” statements, such as “I feel insecure and frustrated when our financial agreements are not honored,” to avoid making him feel defensive.

If he continues to avoid these conversations, consider involving a neutral third party, such as a marriage counselor. A professional can facilitate healthier communication and help both of you understand each other's perspectives better.

However, it’s also essential to evaluate your own needs and boundaries. Reflect on what you need to feel secure and fulfilled in the relationship. If these needs continue to be unmet despite your efforts to communicate and resolve the issues, you might need to consider more significant changes.

Leaving a long-term marriage is a profound decision and one that requires careful thought. You’ve mentioned that you don’t want to leave, and it’s important to explore all avenues before making such a decision. However, your well-being and happiness are paramount.

If your husband remains unwilling to change or address your concerns, you may need to create boundaries that protect your financial and emotional health. This could involve having separate finances or setting clear terms for financial decisions and responsibilities.

Ultimately, the goal is to ensure that you feel secure, respected, and valued in your relationship. It's a challenging path, but with clear communication, professional support, and self-reflection, you can navigate this difficult situation and find a resolution that honors your needs and well-being.

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Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2023

Asked by Anonymous - Mar 16, 2023Hindi
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Dear Maam, I am a 45 year old married woman. (Married for last 10 years). We do not have any children as yet. My husband was employed at the time of marriage, however, he quit his job within a couple of months of marriage and has remained unemployed since then. His mother, my MIL happily supports him in this matter and keeps treating him like a 10 year old boy. Since my husband has no source of income, he keeps festering me for money to buy all sorts of things and becomes irritated and angry and doesn't speak to me for days when I refuse to give him any money. We do not have a single joint bank account and I am afraid to share my bank account details with him as he will insist on the Debit Card and spend all my hard earned money. I have tried speaking to him about his employment status and have told him clearly that amount of salary is not important, but instead he should be gainfully occupied instead of watching movies with his parents all day long. Another irritating habit of his is to watch his car five - six times a day. People taunt him for his joblessness and his obsession over his car. (Maintenance money is also paid by me). His parents are 100% in his favor and told me many times that they have raised their boy nicely and that I shouldn't tell him how to live. I don't remember the last time I have been physical with him. Must have been 5-6 years back atleast. I am fed up completely and dont know how to put some sense in him.
Ans: Dear Anonymous,
You have married a man who refuses to grow up. And to top it all, his parents get a kick out of him behaving like a child. Maybe it eases their guilt of being better parents to him than they were when he was much younger. Whatever it is, please think for yourself if you want to raise a child instead of living with a man who is your husband. He shows no signs of wanting to take responsibility and be an adult here.
So, what exactly are you supporting this man for?
Why are you allowing him to live off your money?
What makes you reinforce his tantrums by being a child?
What more needs to happen for you to see that your marriage is in shambles?

Either take him to a professional who can help him sort out his challenges OR if that does not work, think about your life and make solid decisions in your favor.
You are financially independent and even after 10 years of marriage, if you are still squabbling over a husband who is a child, you know how you can lead a better life.
So, try talking him into going to see a professional first...

All the best!

..Read more

Anu

Anu Krishna  |1402 Answers  |Ask -

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

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Hello maam i am married since 18 years and since last 5 years my husband is not earning but my in laws are well to do me and my husband are in a relation where we end up quarrelling even if we have converstion of 2 mins i am financially independent and have son of 14 years but he is truely in influence of his father i dont have parents nor a sibling i dont know what to do i sometimes feel if i leave my husband and if i fail in my job than what about my future my age is 38 in all my surroundings i have seen all husband take care and responsiblity of their wife but my husband is totally self centered and the most pathetic thing is he does not even realize this please suggest what can be done
Ans: Dear Richa,
You are financially independent and any decision you take for your life will be based on that, right?
Who knows what the future hold and one can only be hopeful that all that is done in the present times yield a good result in future.
So, whatever decision you want to take, do that keeping what it is right now...also, have faith in your capability to earn and hold your head high BUT do give your marriage a fair chance considering your son may also get rattled by any harsh decision. Do you not feel that it is time to actually confront your husband. What is he planning on doing? Sitting and waiting for something to happen for him?
He has possibly got into a place where it is comfortable not to work and things happen around him for him and everyone else. So, there really is no need for him to lift a finger. Urge your in-laws to talk to him and drive some sense into him. If he still makes no move to get proactive and take on his part of responsibilities within the marriage, think about how long and how far you want to go with this. A bit of coaching/therapy can help, but only if he willing to see that it's needed for him. More than anything, I want you to have faith in yourself and play to your strengths.

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/

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Ravi

Ravi Mittal  |469 Answers  |Ask -

Dating, Relationships Expert - Answered on May 22, 2024

Asked by Anonymous - May 22, 2024Hindi
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I am a working women, i have to take care of my parents expenses and also take care of my expenses , i have a child 8 years old, my husband is not supporting me financially, he just spend most of his money for his wants, and no savings so far even after 15 years of marriage, how to make him understand about savings i have quarreled many times on this but no use, i feel like to go away from him, kindly suggest
Ans: Dear Anonymous,

I am very sorry about your situation. It sounds stressful and you have every right to be worried. Here are a few ways to sort this out:

The first and the most obvious one- communication. I am sure that you have communicated your concerns to your husband but let's give it another try and this time, make sure it's non-confrontational. For instance, just casually mention the financial burden that is on you without assigning any blame to him. Try "I" statements instead of "You." He might come to a realization that he needs to put in more effort to relieve you of your burdens. Try mentioning some shared goals that you won't achieve if you don't join your finances and share the responsibilities. Next, tell him that you both should start tracking your expenditures and set a budget at the beginning of every month. Try a more practical approach. Set up monthly deposit schemes that would automatically deduct the money from your accounts. Last but not least, seek support from a trusted family member or close friend. While they might not be able to give you any concrete solution, sharing your woes can make you feel lighter.

Best Wishes.

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Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 28, 2024

Asked by Anonymous - Sep 18, 2024Hindi
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Relationship
Hi I am married for 2 years. My husband and FIL runs a business. My MIL is a retird HM from govt school. I am married to a lovable family. I am for ever grateful to my inlaws. We stay together and i have one SIL. All of the expenses and invesments are made by my husband. We have a 1yr daughter. Till date me and my husband had no financial communication. He gets whatever i what but we dont discuss how much income he has got and what he does. Also i dont know what my inlaws income and what they do and i dont want to interfere in it. Its none of my business. Its me who asks my husband to let me know our financial status. Sometimes he say but its not a regular financial discussion. I came to know that he is investing in lic policies for all of them. 50% spending 50%investmnts. Ofcourse my inlaws share some amount but major expenses and all major investments are from my husbands income. I expect him to let me know the financial status so that i can also have a knowledge on it but he never opens up and but he always gets me want i want. I had never asked him like wht are you spending for your mom dad sis when they are still independant.I never questioned him and i will not. Its our duty to look after parents without any expectation. i promised him that i will not be a hurdle in this. But recently he gave huge amount to my inlaws and he dint even tell me. I felt upset when I got to know it later. It had happend many times.The thing that made me sad is that my husband dint even consider me in this. Like after giving also he dint utter a word to me. i I would have not said dont give. I would have felt happy only. Because he is giving to his parents only. But my concern is he is not sharing his financial commitments with me. Is it ok for me to expect that he should share his financial status with me so that we can plan our future or am i wrong? When my inlaws questions me about finance that something he did to them i am like when iam unware of it. Its embrassing. I feel that a couple should have a financial communication without discrepancy. But my husband does not do it intentionally. He always says he forgot. But i think that a couple should spend time having a healthy talk about their own commitments and investments. Marriage is not always about fantacy, shopping, romance, relaxing cooking playin work etc... there should be some serious talks discussions right which will pave way for a healthy relationship growth understanding and a better future and healthy finacially stablev family let me know whether i am wrong or right. And also is it ok to talk to my husband to let my inlaws share his burden financially as they are financially independent too ( atleast their lics they can invest) not sure to discuss this. But i feel my husband is over burdened. Btw iam a homemaker
Ans: Dear Anonymous,
There's nothing wrong in you wanting transparency when it comes to the family's finances. But the way it has been right from the beginning of your marriage, is that you did not ask and you were not told.
So, suddenly when you have expressed an interest in knowing and participating, your husband has not understood this. Be clear when you discuss with him that you wish to talk about it not to deter him from anything but to actually support him in whatever he does. He also is perhaps used to taking financial decisions all by himself and continues to do so...So, if something has changed within you, express it and allow him the time to change as well...

In your words: But i think that a couple should spend time having a healthy talk about their own commitments and investments.

Yes, but if it was this way right from the time when you two married, it would not be an issue. Your want now is not wrong, but has changed from what it sued to be...so, express, let him reflect on it and then have a healthy debate/discussion on it.

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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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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I am 37 year old Commerce Graduate. I was in an unorganized business, which cannot be pursued any farther. Will it be wise to do CPA at this age without formal experience in Accounting, for a decent job? Is there any other course to pursue?
Ans: Amit Sir, A CPA (Certified Public Accountant) at the age of 37 can be a viable option for those without formal accounting experience. The CPA is a globally recognized certification that can open doors to various roles in accounting, auditing, and finance. It provides a solid foundation and increases credibility in the finance or accounting industry. However, there are challenges, such as the learning curve and experience requirements.

To overcome these, you could supplement with basic accounting courses and work experience. Alternative courses you can consider include Chartered Financial Analyst (CFA), Financial Risk Management (FRM), Certified Management Accountant (CMA), Post Graduate Diploma in Management (PGDM) or MBA, and Digital Marketing or E-Commerce.

CFA and FRM are globally recognized credentials that can lead to roles in finance, investment banking, or wealth management. CMA professionals are in high demand in banks, investment firms, and large corporations. MBAs can help transition into management or higher-level positions, while digital marketing or e-commerce can offer opportunities for entrepreneurship and business growth.

Age should not be a barrier for you in pursuing any course or certification. Leveraging prior experience, such as management, customer relations, and strategic thinking, can also benefit a corporate role. In conclusion, pursuing a CPA at the age of 37 is a viable option, but preparation and experience are essential.

All the BEST for your Prosperous Future.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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sir i am commerce gratuate prepared 2 years for CA coul'd not succeed what are the diff career op for me
Ans: Shri, Some basic reasons for failing CA exams include poor time management, inadequate conceptual clarity, poor presentation skills, neglecting revision, and lack of practice with mock exams. To improve, create a realistic study schedule, focus on crucial topics, practice time-bound mock tests, and use reference books and ICAI study materials. Practice structured answers and follow ICAI language to align with exam expectations. Avoid rote learning and focus on understanding the "why" and "how" behind concepts. Take multiple mock tests and review performance critically to identify weak areas. Stay motivated by setting short-term goals and rewarding yourself for achieving them.

Despite not clearing the CA exams, there are numerous fulfilling career paths for commerce graduates. Some of these include the following, out of which you can choose the most suitable for you and you are interested in:

Financial Analyst/Investment Banking involves financial analysis, research, and dealing with securities, stocks, and bonds. Tax Consultant/Tax Advisor offers tax planning, compliance, and advisory services. Financial Planner/Wealth Manager helps manage finances and long-term wealth goals. MBA can lead to leadership roles in marketing, HR, finance, operations, and entrepreneurship. Banking and Insurance offers stability and growth opportunities. Entrepreneurship requires strong initiative and risk tolerance. Accounting and Audit roles enhance job prospects globally. Digital Marketing, Data Analytics, Human Resources, Stock Market Trading, Corporate Law, and Public Sector Jobs offer job security, stability, and benefits.

All the BEST for your Prosperous Future.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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My son is doing BBA( 1st year.) Which extra course help him future.
Ans: Shubham Sir, The BBA degree is a strong foundation for a career in management, business, and entrepreneurship. To enhance his skills and employability, consider taking additional courses that align with his interests and career aspirations. General skills for business and management include data analytics and business intelligence, digital marketing, financial modeling and investment analysis, project management, communication and soft skills, and industry-specific skills like finance, marketing, entrepreneurship, supply chain and operations, and human resources. Technical skills include basic coding and IT skills, accounting software, artificial intelligence and machine learning for business, and cybersecurity basics.

Certifications and competitive exams can add value to his resume, such as Google, Microsoft, and Chartered Financial Analyst (CFA). Global business awareness is crucial, and practical experience is essential. Internships in industries of interest and participating in startup incubators or entrepreneurship contests can provide practical exposure. A suggested roadmap for a successful BBA career includes focusing on foundational skills, gaining technical knowledge, starting internships or part-time projects, and preparing for competitive exams like GMAT or certifications like CFA.

All the BEST for your Son’s Prosperous Future, Sir.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

Asked by Anonymous - Nov 24, 2024Hindi
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My daughter studying bsc biotechnology 1st semester please suggest me about her future career
Ans: The decision by your daughter to pursue a BSc in Biotechnology opens up a wide range of career opportunities in diverse and rapidly growing fields. After completing her BSc, she can either pursue further education or enter the job market directly. Options include MSc in Biotechnology (or Related Fields), MBA in Biotechnology/Healthcare Management, PhD in Biotechnology, PG Diploma Courses, and pursuing a master's degree in top countries for biotechnology.

After BSc, she can work in various sectors and roles, such as lab technician, research assistant, quality control analyst, healthcare and pharmaceuticals, agricultural biotechnology, environmental biotechnology, food and beverage industry, bioinformatics, government jobs, or entrepreneurship. High-paying and in-demand fields include medical biotechnology, bioinformatics, industrial biotechnology, agricultural biotechnology, environmental biotechnology, and genetic engineering.

The best study and career locations for MSc/PhD are IISc Bangalore, IITs (Kharagpur, Kanpur), JNU Delhi, University of Hyderabad, and government initiatives like DBT (Department of Biotechnology). Skills she should develop include technical skills, research and analytical skills, soft skills, and certifications.

To build a strong foundation in core biotechnology subjects, she should participate in internships or summer research projects. After BSc, she should prepare for entrance exams, network, and consider financial considerations.

All the BEST for your Daughter’s Prosperous Future.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

Asked by Anonymous - Nov 23, 2024Hindi
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Confused about the future after doing bsc biotechnology. In which subject I should do msc ? Ok india or abroad? Which biotechnology sector have high paying jobs ?
Ans: Biotechnology is a promising field with numerous career paths. Choosing the right specialization and study destination depends on interests, career goals, and financial considerations. Some popular specializations include Biotechnology, Microbiology, Biochemistry, Bioinformatics, Food Technology, Environmental Biotechnology, Medical Biotechnology, Genetic Engineering, and Industrial Biotechnology. Studying in India offers affordable education, access to reputed institutions, and a growing biotech industry. Abroad offers exposure to advanced research and technologies, higher-paying jobs, and better industry connections. High-paying sectors in biotechnology include pharmaceuticals and biopharma, healthcare and diagnostics, bioinformatics, industrial biotechnology, agricultural biotechnology, and environmental biotechnology. High-paying countries for biotechnology careers include the USA, Germany, Canada, Singapore, and India.

For those looking for cutting-edge research and higher-paying jobs, consider studying abroad in countries like the USA, Germany, or Canada. For those preferring affordable education and a long-term plan to settle in India, pursue MSc in a specialized field from top Indian institutes. Opt for fields like Bioinformatics, Medical Biotechnology, or Industrial Biotechnology, which offer the best combination of high salaries and demand. All the BEST for your Prosperous Future.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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Sir Greetings! is it true that now UGC wont differentiate rather treats equally both regular and correspondence degree or PG. Even correspondence students are eligible and apply for both govt and private sector jobs. I heard even companies need to accept correspondence degree done in India. Sir please clarify without any ambiguity in this regard. This is Q has been bothering me for quite sometime
Ans: Anirvinna, The University Grants Commission (UGC) and other regulatory bodies in India have made significant efforts to ensure that distance education degrees are treated as equivalent to regular degrees. The UGC states that degrees obtained through distance or online education from recognized institutions are equivalent to regular degrees, applicable for both government and private sector jobs. The Distance Education Bureau (DEB) ensures the quality of distance education programs and oversees compliance. Distance education degrees are valid for all government jobs, professional courses, and private sector acceptance. However, some organizations may prioritize candidates with regular degrees for certain roles due to perceptions of classroom rigor or networking opportunities. The UGC has encouraged universities to offer quality online programs, reducing the stigma associated with correspondence education. To enhance career prospects, consider pursuing correspondence programs from well-reputed institutions with strong alumni networks and industry connections. All the BEST for your Prosperous Future.

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