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Doctor in love: How to cope with a distant boyfriend during exams?

Ravi

Ravi Mittal  |472 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 06, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Sep 03, 2024Hindi
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Me and my bf are resident docters in a hospital .We hardly had time with each other ,but always supported each other in difficult times.Through fights ,breakups ,patch ups ,we were there all in these 3 years .He has always been more career oriented , hardly expressed any feelings on his own for me ,he only expressed or said i love when i asked him too .Now i m in my last year of md exams ,he got selected in aiims delhi dm since he was senior to me .Now he hardly communicates with me ,like in 48 h ,all we do is talk for 2 min ,where he hardly says anything ,sometimes he talks is about work.I have asked him multiple times if anything wrong i did ,he has kept on saying he is busy ,he says atleast i call u ,i hardly have time for anyone.He says all he sees now is his work ,patients and career . I have always adjusted according to him ,now it is becoming difficult to adjust .I cant take the trauma of leaving him ,because i have very important exams in 4 months .He was my only bestfriend ,my guide ,my love .He has been changed person .But i m studying and working almost 20 hrs , how to cope up ,i m all alone in this melodrama ,sometimes i wish i was dead

Ans: Dear Anonymous,
Your feelings are valid. It is indeed difficult to adjust to an unexpressive partner. One out of two things can be happening here- one, he does not know how to express his emotions; that is who he is fundamentally. Two, the work pressure and hectic hours have made him detached. You can try having an open conversation with him about it and let him know that you are not being able to carry on like this. Communicate your concerns and how his attitude toward you has affected your mental health. That is the only way to move forward. After the conversation either of two things will happen- it will be a wake-up call for him and things will change for the better. Or, he will continue to behave the same way and you have to rethink the relationship. My suggestion is to have the talk after your exams. I know you think he is your everything, but you are your everything. Do not let this relationship waste the years of hard work you have put into your studies. Focus on yourself and trust me when I say this- value yourself the way you want others to value you. If you don't, why would anyone else?

I hope this helps. Best Wishes.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2022

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Hey Anu ji I hope you are doing well.I am a 27-year-old woman, not married but engaged. I am a doctor by profession and we met through our parents. He is a pediatrician. I’m just MBBS. He is 33 and was damn good. Since the last few months there has been a sudden change in his behaviour and we have been fighting since then. We knew each other since a year and moved in together last October. I left my government job so that I could pursue my specialisation. I couldn't score a good rank due to which I couldn’t get admission. My parents are not rich enough for me to apply in a private college. He always abuses my parents saying they are not rich enough. He compares everything and has started talking to another specialist, a single woman. I am handling all house chores -- from laundry to cleaning, even emptying dustbin and making his cup of tea. He doesn't do anything except sleep, eat and work which is not so hectic because he is at a senior position.Is it right that we are having sex 2-3 times per day from so many months? Whenever I want to talk about something he asks for sex. If I say 'I need your attention and love' he gets grumpy and says 'you are always complaining.'Since this is my first relationship, I am comprising a lot. He didn't even remember our first anniversary or the day we met. In fact he stops talking to me since a month. He doesn’t pick up my calls or sees my messages. I have to call a third person to convey my message to at least pick up a call.Please help. I’m too stressed and even thought of committing suicide because I love him. But he doesn't love me from the last 3-4 months. I never get answers to my questions. He is like ‘I don't want to talk.’ He has become so egoistic and is behaving like a male chauvinist. I have to prepare for my exam too. Because of all this stress I have started having panic attacks and anxiety. I love him a lot but I can't stay in this relationship more. I can't bear the brunt. Only one-sided efforts are there from my side. He stopped making any efforts to reconcile or talk. I am an old school person. I lost my virginity to him but now I regret. Who will marry me knowing that I’m not a virgin anymore? Plzz help me
Ans:

Dear NK,

When a partner does not validate your feelings and uses sex as a means to deflect from the problem, it’s a red flag, right?

So, what exactly do you get by being with him? Love cannot be a means to sell your very existence no matter who that is.

Call out such behaviour. Compromises do not form part of any relationship, contrary to what’s told to us.

Mutual understanding and gentle acceptance and most importantly loving compassion is what any relationship is all about.

When those efforts of yours are not being met with love and instead it has been ignored, what else are you going to do?

Not being able to respect a partner’s family and instead insulting them to feel better or prove a point, how do you think it is going to be in the future?

Do you see these red flags or are you simply choosing to close your eyes and pretend that everything is fine?

Do the right thing, for yourself and your being and welfare. Be strong like the way that you always have been.

My best wishes to you!

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Ravi

Ravi Mittal  |472 Answers  |Ask -

Dating, Relationships Expert - Answered on May 23, 2023

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I am 12th passed student and I had a bf around feb .Everything was perfectly fine in the starting but then somehow our talks got less and i asked him if everything was ok bcoz i felt strange whenever we talked through texts. He said he is tired and doesn't wanna talk and did not know what happened to him ... Plus exams were ongoing so I supported the way I can but i knew something was off ... As the time passed things got worse. I asked how much time u need to be urself .. u are going out with ur friends but don't wanna talk to me neither u asked how i am for past dew weeks or a month . In the last he said leave I am not good enough for you. Everything thing we talked was on snapchat app. I was so depressed plus my exam result were less then expected. I stopped using any social media.. There wasn't a single day i missed him or thought of seeing the snaps but somehow i made myself I understand that If u were imp he wouldn't talk about leaving...ig ... But still I do miss him when everything was started and ended by him... On 14th My frnd texted me asking abt my result and she said she will ask him aswell( she doesn't know abt us dating) ... And after a week i.e today i downloaded the app and i saw that he sent me snaps till 14th and they all were deleted and after that there was nothing. Somehow i feel that there must be some conversations between my frnd and him. But what i feel now is that i regret why i didn't saw his msgs when i missed him. It makes me feel regret and sad . Whenever i think about it i forget all that disrespect but at the same time something stops me . Idk what kind of feeling is this ... All ik that there was a little communication between us that was also gone ... I just wanna overcome but i cant . Its gonna be a month and these emotions are really making me feel depressed. I even start making scenarios and stories in my mind . Idk what is happening to me . Pls help me overcome this what should i do ?
Ans: Dear Radha,

I understand that you are experiencing a rollercoaster of emotions at the moment, but listen to me, this too shall pass. You won't feel this way three months from now. Six months from now, you will find it funny that you even felt this way once, and you might even regret focusing on your ex than your exams. Two years from now, you will even forget how you felt on this day; you will forget the sorrow, you will forget how lonely and helpless you felt. You will move on. Everyone does. Look at the bigger picture and these feelings that you are experiencing today will seem small.

Now, coming to how you can deal with it at present- focus on your studies; everything can wait, but your career won't. Hang out with your friends; tell them how you are feeling. Talking about pain is known to give some kind of relief. No one can take it from you, but having someone to listen to it can help. Focus on your health- mental and physical; workout a bit. It helps. And, in the end, let time do its magic.

P.S. If he says he's not good enough for you, believe it. You deserve better; even your ex thinks so. So why don't you?

Best Wishes!

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Kanchan

Kanchan Rai  |444 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

Asked by Anonymous - Dec 27, 2023Hindi
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Hi I am working in an compnay since 4 yrs i had and friendship with my senior and he ia married but staying alone. His family was at native place. We both r maaried and we know about we had family but now we are in relationships since 3 years. As his family was not here i helped him in every manner in covid situtation. We know pur priority is family first. But since his family is here from one year last. He has stopped chatting talking to me. Only we are mostly having one side fight. He is now feeling irritation in talking to me normally also. During my job i m doing better than also everytime he feels irritated. I dont know what to do. Now he is saying he dont have time. He dont want to leave me. But stopped everything's. Only when he needs help he speaks to me or replies to message. I dont want to leave my job nor complaint to someone. What shoul i do dont understand. I have ensured him that i dont want him also to leave his family. Nor i want to leavemy family. I m confused what to do. I have done everything for him and now he has forgot evething. He says he love me he dont want to leave me. But at this situtation what should i do.
Ans: Hello Ms.
It's important to approach this with sensitivity and consideration for everyone involved. Understand that his family is a significant part of his life, and he may need time to adjust to the changes. Respect his commitments and responsibilities towards his family. Think about the long-term implications of the relationship. Consider whether it's sustainable in the current circumstances and whether it aligns with your personal values and priorities. Take some time to reflect on your own feelings and the dynamics of your relationship. Consider whether this situation is bringing you happiness and fulfillment, or if it's causing you distress. Establish clear boundaries in your relationship to ensure that both of you are comfortable and that these boundaries are respected. If he is feeling overwhelmed or stressed with the recent changes in his family situation, it might be helpful to give him some space. Encourage open communication make sure you both are on the same page about the nature of your relationship and the level of communication you both desire.Be prepared for the possibility that the relationship may need to change or come to an end. Reflect on your own priorities and boundaries. Ensure that your relationship doesn't negatively impact your personal and professional life. It's essential to maintain a healthy balance and focus on your own well-being. While this can be difficult, it's important to prioritize your own well-being and the well-being of everyone involved.

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Ravi

Ravi Mittal  |472 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 28, 2024

Asked by Anonymous - Jun 28, 2024Hindi
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I am dealing with brkup its been 2 months its mutual because he is bhramin his parents will not allow intercaste and for me its not possible to settle in place where he lives . its almost 3-4 year of relationship from my age of 18 he was there with my i lost my father during corona he took care of me , he stayed by my side he is not upto the mark but still he is always there for me after that i leave that state where both we stayed and we did long distance for 2 years but now as he come to know his parents are way more strict he dont want to hurts his parents and even my reason that i have to compromise lot carrrer difference and all. As i lost my father at age of 18 i cry lot every one day gap during my relationship also i was so anxious , and some times due to family problems i always used to be disturbed and dont want to live sometimeslike sucidal thoughts and all but at the time of relationship i share all this to him and i feel okay and got back to my study as he motivates me little . but now after brkup i dont have any real friends , i cant talk to any one neither any person messeges me my depression is becoming more big now we are in no contact for some days but again we talk and again we are in no contact he feels like he is in guilt becos he hurted me and made me miserable also he dont think about any other relation ship whatever his parents will bring he will do but for me not that case becos we dont have nay guardian i have to in my own actually we are not that big for marriage but we thought of future more and brkup becos of i have to find some one right we are 21 also my campus placements are coming his neet pg is coming but my heart cries every day i feel choked , i cried , choked and hurt my head it happens often but i still think we can not talk becos how can we move on from some body we talk but my depression at peak level i msg him with bigtext with all that goin on my life. should we talk ? as their is no rush to find other person we have to first focus on career how can we set boundaries? though if i talk i mak eme feel someone i can talk and make me releif at the sam etime it hurts if i dont talk also its hurts more as i ahve no one to talk with . he insisted me that we can be friends i can see u like this he wants me to be happy he feel he did the sin to me. Pls tell what will be good for me how can i be little releif what should i should i talk treat or my depression how ?
Ans: Dear Anonymous,

I am very sorry for your loss. Losing a parent is tough. I am also glad you found someone to share your pain with at that moment. Coming to your dilemma- whether you should be in touch with him- I understand that it is a great relief to talk to him, but that is momentary, isn't it? You cannot continue doing this if you two are broken up. Even though he is not planning to get married right away, the problem is that he will someday. Plus, more often than not, one person moves on faster than the other, and in your case, if it's him, it will hurt more. The right thing to do is sit and have a clear conversation. Discuss the possibility of getting back together. Ask what is in his mind and express what's in yours. But going in this circle will only hurt you more; maybe not today, but someday it will.

Now, coming to your depression, I would suggest sharing your pain with close friends but you mentioned you have none. That is not uncommon. Not all of us are blessed with it. In that case, I recommend seeing a professional therapist. There is absolutely no shame in it. Rather it will help you in sorting your feelings. Finally, you can take care of them without relying on your ex. I am sure you are doing a wonderful job in managing your depression but a professional counselor can help you come out of this in a more structured way. Please consider it. If you are not comfortable seeing someone in person, there are several counselors available online. Just try it once and see how that makes you feel.

Remember we all need help occasionally. You are amazing and you do not have to hold everything together alone.

Best Wishes.

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |183 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
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Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?
Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
• Alder Hey International Fellowship Scheme (Anaesthetics)
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• Bradford District Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
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• Harefield Hospital, Royal Brompton and Harefield NHS Trust – Anaesthesia and Critical Care
• Hertfordshire Partnership University NHS Foundation Trust
• Hull University Teaching Hospitals NHS Trust – International Fellows at Hull University Teaching Hospitals NHS Trust
• Humber Teaching NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
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• Lancashire & South Cumbria NHS Foundation Trust - Psychiatry specialty Fellowship Scheme
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• Leeds Teaching Hospitals NHS Trust – International Fellowship Programme
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• Manchester University NHS Foundation Trust – International Fellowship Programme
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• Modality Partnership - Modality Primary Care International Fellowship Scheme
• NAViGO Health and Social Care CIC – International Medical Fellowship in Psychiatry
• NHS England, East of England - East of England International Office GMC Sponsorship
• NHS Fife – CESR Fellowship Programme in Psychiatry
• NHS Grampian – Psychiatry CESR Fellowship Programme
• NHS Grampian – Multi-specialty SAS Fellowship
• NHS Wales Shared Services Partnership (NWSSP) – All Wales International Medical Recruitment Programme
• Norfolk and Suffolk NHS Foundation Trust (NSFT) - Advanced Clinical Fellowship in Psychiatry
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• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme (Psychiatry)
• Northern Care Alliance – NCA International Medical Fellowship Scheme
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• Oxford University Hospitals NHS Foundation Trust – Oxford University Hospitals Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – The Oxford International Neonatal and Paediatric Fellowship Programme
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• Royal College of Anaesthetists – MTI Scheme
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• Royal College of Paediatrics and Child Health – International Paediatric Sponsorship Scheme
• Royal College of Paediatrics and Child Health – MTI Scheme
• Royal College of Pathologists
• Royal College of Physicians of Edinburgh
• Royal College of Surgeons of England
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• Royal College of Physicians and Surgeons of Glasgow
• Royal College of Psychiatrists – MTI Scheme
• Royal College of Radiologists – Clinical Radiology
• Royal College of Radiologists – Clinical Oncology
• Royal College of Radiologists – RCR Specialty Training Sponsorship Scheme
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• Royal Devon and Exeter NHS Trust
• Royal Papworth Hospital NHS Foundation Trust – Senior Clinical Fellowship Programme in Anaesthesia and Critical Care
• Royal Wolverhampton Trust – Clinical Fellowship Programme
• Sheffield Children’s NHS Foundation Trust - Rotational Clinical Fellows in Paediatrics, Trauma and Orthopaedic International Fellows, and Subspeciality Fellows in Paediatrics
• Sheffield Health and Social Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Somerset NHS Foundation Trust – Somerset Overseas Doctors Sponsorship Scheme
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• South Warwickshire University NHS Foundation Trust - GMC Multispecialty Sponsorship Scheme
• South West Yorkshire Partnership NHS Foundation Trust – International Fellowship in Psychiatry
• Southmead Hospital, North Bristol NHS Trust – International Obstetrics and Gynaecology Training Programme
• St Bartholomew’s Hospital, Barts Health NHS Trust – St Bartholomew’s Critical Care Fellowship
• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
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• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
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KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

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Dr Nagarajan Jsk

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Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi
Money
Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.
Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Kanchan

Kanchan Rai  |444 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

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I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.
Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

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Top4 sips with 15k amount suggest me
Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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