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Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
AJ Question by AJ on Sep 12, 2022Hindi
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Relationship

Hi Anu mam, I want to share with you my life story because it now killing me everyday.
I am 23 years old now and third (unwanted) child of my parents. I have two elder sisters, 2nd sister was adopted by my father's sister and now I have one elder sister only.
If I talk about my childhood, I have no good memories, not a single picture of mine.
My father has always been busy at our family shop, only source of our income with my bade papa.
He never took any interest in my studies, school admissions, parents teacher meeting etc... He was always like a strict father without any strict responsibility on him. And my mother is a very simple and innocent Jain lady who believes in Jainism and God. So in my childhood we were not a united family, we were more like small scattered pieces of a family who were living with no hope and no future planning or future expectations.
As a kid, I spent most of the time watching tv or playing cricket. I have feared to ask my dad to buy me a cricket bat due to which I stole money from his wallet and buy my things for which i’d be brutally beaten if caught
I studied in a Hindi medium school which was in front of my house. I studied there till 3rd class and then my mother did some efforts to get admission in English medium school but she didn't succeed. I took admission in another Hindi medium school.
I worked hard at my level but never received any support from my parents especially from my father.
I passed my senior secondary in the year of 2015 in Math stream with 69% and want to pursue Engineering but my father does not want me to pursue that he wanted me to pursue Law so I took admission at local university and completed my graduation in 2020.
During my 1st year of graduation I realised that my father has an affair with someone. This caused serious trauma for my mother and me. We felt this was the reason for him not being interested in our life at all time. In my 3rd year of graduation I founded that my elder sister was in a serious relationship with someone which added to our trauma because we were also facing financial problems that time.
The problem arose when 3-4 years ago I came to know that I have knock knee problem in my both legs since childhood. I couldn't tell about this to my family.
So now I am unemployed, facing knee problem and depression. I don't know what to do. Should I leave my father for life and look forward to any small job and live my life, make my new family?
I want you to give me advice according to my current situation.
I will wait for your advice.

Ans: Dear AJ,

I can only imagine what it must be like for you. But I am not going to feel sorry for you as life presents challenges as opportunities.

You have had the opportunity to learn from each of your challenge, academically, personally, and professionally.

Focus on yourself now. What happened or didn’t happen in your childhood or the past only makes you feel like a victim and that isn’t useful when you are trying to solve a problem.

Focus on how you can better your quality of life despite your physiological issue.

Sit down with the doctor and ask:

How can I get treated?

Does it involve any surgery?

Will physiotherapy help in easing my condition?

You depression (which I imagine is self-diagnosed) is on account of you treating yourself as a victim, will change once you move into a positive mode where you treat yourself with respect and love.

Only you can better your situation and it is possible for you if you choose to look at all the things that are possible by you once you become mentally stronger. Then your academic or personal or professional challenges will not come in the way.

So Take Charge and NOW. All the best to you!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2021

Relationship
Hello Anu Ma'am, I don't know where to start. I don't know if there is anything wrong with me at all. It all started on 4th of July 2012. My father passed away that afternoon. I have been a single child raised by a single parent. My mother passed away during my birth due to a medical error. During my early childhood my father was distant and alcoholic. We barely bonded. I was a studious child turned rebellion for no particular reason. Getting into wrong circumstances and with wrong people. By the time I was in 10th standard, me and dad had a bond. He shared his feelings of loneliness and disappointments from life, friend circle, work, extended family, etc. It made me judgmental and opinionated towards everything and everyone. I never connected with my extended family and neither did any one of them. I moved to Bangalore in 2007 for a better career upon his insistence. I had goals, ambitions and desires and a place in life where I wanted to be. But after his death, life has been a mess for the last 9 years. The untimely death took me away from completing my engineering degree. I drifted back to hometown in a desperate effort to safeguard the home he built, where I grew up. If I quantify my 20 years with dad, it would sum up to barely 5 years of happy time. Rest of it is just marred by alcohol, abuse on his part and mine, distance, periods of no conversation or connection. I came up with ideas to keep the home and still pursue whatever was left of my dream. But it didn't work. For instance, the neighbors created problems for the tenants who I bought for that home. Some of my father's friends and my own had vested interests in that house and constantly created hurdles which damaged my efforts in my very first job. The lawyer I hired to transfer the property to my name played her own tricks to take the house. Lengthy government procedures, bribery, setbacks resulted in me losing my focus on the second job as well. As a last resort, in 2017, I sold the home and planned to settle down in Bangalore for good cutting all my ties with the place I called home. This also affected my relationship as my fiance's father questioned his faith on me and finally got her married to a guy in the States. Over the last 5 years, my career has marched forward aggressively. I travel to places cherishing the things I wanted to do -- travel, eat and gather new experiences. But when I come back home, there is a void. I don't feel happy about how far I have come and achieved despite everything. There is no one around to share my thoughts and feelings. There is no space to let out and let go. I am in a constant state of breakdown. I want to cry but I rarely do. Those moments of childhood, the experience of his demise the after effects still have a hold over me. I have become skeptical of trusting people and letting them in and trusting them. Then there is my own regret of not finishing my engineering and working towards the life I wanted and setting down for a normal degree and corporate life. I have started to indulge in excessive travel and bouts of poetic rant to let the hurt out but now I feel it ain't working. It's becoming difficult for me everyday. I don't feel suicidal because I know I won't take that step. But I feel very very lost and unable to find a way to move forward. I feel I am just there in the crowd without a purpose. What should I do?
Ans: Dear R, I can only imagine what you feel this moment.

Well of course, no achievements can possibly ever substitute for the sense of belonging that you perhaps crave for.

It’s unfortunate that many known people have tried to claim a stake in the property and possibly it might have offered you a respite when you sold the house.

What remains of all that you have gone through is memories and those 5 beautiful years with your father.

What if you heightened the happiness level in those memories by seeing them clearly and reminiscing the celebration moments with your father?

It’s easy to harp on what went wrong or what could have been better? But can anything substitute the few yet meaningful years that you had with your father?

And when it comes to the void that you currently feel, I do feel that it’s time that you extended your social circle.

The world is well connected and there is much in common that you can have with people across the globe in terms of mutual interests and discussions.

Develop a hobby or do something that you love everyday and remember to be with Mother Nature often. It helps clear the mind and keep you grounded.

Lastly and importantly, think of how you can add value to another person’s life.

When we think of something beyond us, it fills us with a lot of positive feelings and keeps us motivated from within.

Life can be filled with remorse or joy; it’s only a matter of choice!

My best wishes to you!

..Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

Listen
Relationship
Hi Anu mam, I want to share with you my life story because it now killing me everyday. I am 23 years old now and third (unwanted) child of my parents. I have two elder sisters, 2nd sister was adopted by my father's sister and now I have one elder sister only.If I talk about my childhood, I have no good memories, not a single picture of mine.My father has always been busy at our family shop, only source of our income with my bade papa.He never took any interest in my studies, school admissions, parents teacher meeting etc... He was always like a strict father without any strict responsibility on him. And my mother is a very simple and innocent Jain lady who believes in Jainism and God. So in my childhood we were not a united family, we were more like small scattered pieces of a family who were living with no hope and no future planning or future expectations.As a kid, I spent most of the time watching tv or playing cricket. I have feared to ask my dad to buy me a cricket bat due to which I stole money from his wallet and buy my things for which i’d be brutally beaten if caughtI studied in a Hindi medium school which was in front of my house. I studied there till 3rd class and then my mother did some efforts to get admission in English medium school but she didn't succeed. I took admission in another Hindi medium school. I worked hard at my level but never received any support from my parents especially from my father.I passed my senior secondary in the year of 2015 in Math stream with 69% and want to pursue Engineering but my father does not want me to pursue that he wanted me to pursue Law so I took admission at local university and completed my graduation in 2020.During my 1st year of graduation I realised that my father has an affair with someone. This caused serious trauma for my mother and me. We felt this was the reason for him not being interested in our life at all time. In my 3rd year of graduation I founded that my elder sister was in a serious relationship with someone which added to our trauma because we were also facing financial problems that time. The problem arose when 3-4 years ago I came to know that I have knock knee problem in my both legs since childhood. I couldn't tell about this to my family.So now I am unemployed, facing knee problem and depression. I don't know what to do. Should I leave my father for life and look forward to any small job and live my life, make my new family? I want you to give me advice according to my current situation. I will wait for your advice.
Ans: Dear AJ,

I can only imagine what it must be like for you. But I am not going to feel sorry for you as life presents challenges as opportunities.

You have had the opportunity to learn from each of your challenge, academically, personally, and professionally.

Focus on yourself now. What happened or didn’t happen in your childhood or the past only makes you feel like a victim and that isn’t useful when you are trying to solve a problem.

Focus on how you can better your quality of life despite your physiological issue.

Sit down with the doctor and ask:

How can I get treated?

Does it involve any surgery?

Will physiotherapy help in easing my condition?

You depression (which I imagine is self-diagnosed) is on account of you treating yourself as a victim, will change once you move into a positive mode where you treat yourself with respect and love.

Only you can better your situation and it is possible for you if you choose to look at all the things that are possible by you once you become mentally stronger. Then your academic or personal or professional challenges will not come in the way.

So Take Charge and NOW. All the best to you!

..Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 18, 2023

Asked by Anonymous - Aug 13, 2023Hindi
Listen
Relationship
My age is 42 years now. I am an elder son in my family, then my sister and two younger brothers. My father was a clerk in state govt. office. Being an elder son I did all my duties at par with my father. I spent my entire 9 years’ salary on my family, it includes sister marriage, brothers education (Engineering/Polytechnic), their coaching for competitive exams, books other monthly expenses. Under my guidance they both got job. I also performed co-applicant to Education loan to one of my brother. But now my father, mother and brothers betrayed (Beyimaan). Because my younger brother’s wife was selected in state govt. job and my wife is not employed. They kicked off us from their house. All it happens like TV serial. Now my wife also get job in central government under my guidance. My family member also did same with my younger brother and kicked - off them also. Now they ask me to live with them. I am very much in stress. I want to totally detach with my family. I want to close my all relationships with them. I also don’t want my father’s property. But every now and then they call me. They never help me. We live in same city. Please help me out. I don’t want to be part of B. P. and Sugar patient. I want to be a Vinod Khanna dialogue Parva Nahi from film Dayavan.
Ans: Dear Anonymous,
Time for you to do things for yourself! It may seem selfish at the beginning but taking care of yourself and your needs is self-care above everything else...
For once put your needs before everyone else's and resist any sort of manipulation from family. Serving themselves was their agenda at your expense; why still allow it?
Firmly refuse moving in with them as it won't take them long before they kick you out when things are not in their favour. You have the ability to be by yourself and support yourself...maintaining a healthy distance in fact helps relationships grow stronger. So, time for you to be kind to yourself...

All the best!

..Read more

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Hello Sir, this is Dhiraj DM, I am 48 year's old married with no kids, we have any flat worth 1. 5 cr given on rent around 50 lakhs of equity 20 lacs mutual funds we want to retire in next 3 years,please guide. We live in a metro no liability, we r into Gifting business now want to retire in next 3 years
Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

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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