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Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2024

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
Asked by Anonymous - Mar 21, 2024Hindi
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Relationship

Good Day Hi its been around 10 years of Marriage . I do have a Son who is 5 years old and is slightly facing Autism issues we have consulted a Specialist for the same who has generally suggested a few therapies to follow which we are currently following. My Wife is some what upset since her belief was that this issue is related genetic and one of my sibling already had such abnormalities in their kid so that's the reason our kid is facing this. and she really regrets this marriage. Whenever there is any arguments at home she always keeps on repeatedly saying that she regrets this marriage since this problem within the child has arisen because of some genetic imbalance within my family . Also since my kid was born she always preferred to sleep separately, rather there has been no physical intimation since last 6 months when came to know abt my kids problem. Is it really advisable that if she is not happy with me rather part away so that she could stay happy with somebody else since i personally feel i myself i am responsible to be the unlucky one and the root cause of all the problems. So would happy to get some suggestion from your end.

Ans: Dear Anonymous,
So what does a parent do when one of their children has a challenge either physically or mentally?
Blame the other parent? Wash their hands off the responsibility?
Whatever it is, nothing justifies what your wife here is up to...what I can gather is that she feels a certain fear managing this situation.
Yes, your son may require more time and attention from both you and your wife in certain areas of life, but with this care and support, he will slowly get to a place where he can manage all by himself...
Now, if your wife has decided to play this blame game and isolate herself from you as a way of punishing you for genetics! Kindly take this to a mutual friend who can be unbiased and then teach the two of you to get back together for the sake of your son...

You must know that your guilt trip isn't helping you or your son...
Your wife must know that her blame game is driving her away from the marriage and her son...

Work towards a goal rather than against it!

All the best!

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 29, 2021

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Relationship
My wife and I have been married for 15+ years and we have two young kids (5 and 10 yrs old). We are from northern India and sort of settled in the USA. The issue is that our communication has been very poor and since the birth of our first child about 10 years ago, the problem has become significantly worse. During the initial years of a kid's life it is obviously understandable to have an infant sleep with parents in bed, but my wife decided to continue doing that years into the birth. This continued till my first child was 5 or 6 years older. And then came along our second kid and the same thing repeated. I was not in agreement with this way of having kids sleep in bed every night and I started sleeping separately and have been doing that for years. I believe this in itself caused multiple cascading communication issues and our detachment from each other. My wife does not take any time out for the two of us and instead spends almost all her time caring for herself or kids. My wife is also very (extremely) possessive and insecure with kids and me developing any kind of meaningful bond. I have to ask her permission for example to take kids out or else she uses sarcasm, demean etc., or other ways to intimidate me as if I am doing something wrong. I need your help to understand if any of this kind of behavioUr can be considered 'normal'. Can I say to myself - 'bad luck, but this happens in marriage and is not a good enough reason to consider separation and divorce'? Or the behaviour I am seeing is way out of the ordinary and cause for some action to save my mental health. I feel lonely, depressed and deprived of emotional support, and really miss time with my kids as well as being a parent to them in ways I think is best for them. Parenting style significant differences have further increased the rift between us, and since kids spend a vast majority of their time with mom, I see them develop personalities which I think is not best for them as they step out into the world and become independent. I am really squeezed between many conflicting thoughts. Should I work on leaving this marriage after years of trying to establish some minimum communication and mutual trust? Should I stay for the sake of my kids, but if so what is the point, I am not able to parent them anyway in any meaningful way? We have arguments and verbal fights a lot and that is the only communication we have left now and otherwise weeks and months go by without any calm and meaningful conversations. I am very lost and hope for some advice that I can apply and clear my thoughts. I will very much appreciate your help.
Ans: Dear VB, this is like kids becoming the third person in the marriage which is very common in a lot of couples.

Sex waning after having kids is something that many marriages go through, also the mother can be tired after caring for the home, work and the kids…sex is the last thing on her mind.

But, yes you do have a point when you mention that kids are still lurking in your bed which is not healthy for their development.

Just a thought, has your wife found this as a convenient option to avoid any intimacy with you?

If yes, what and why is she avoiding? These can be answered only when the two of you set aside your emotions aside and talk as civil adults.

If that isn’t a possibility, kindly take the help of a professional who will:

  • Help your wife transition from mother to wife and ease her into both roles
  • Bring to her notice that children need the love and care of both parents and that it is non-negotiable and a dampener for the kids to deny them the fathers’ support
  • Guide both of you to bring spark back into your marriage
  • Teach the family to discipline itself into conscious parenting that keeps the welfare of the children at the forefront

I would urge you to go down this path before thoughts of separation etc.

The kids can grow up in a loving environment; why not strive for that first?

Wishing you the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2022

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Relationship
I am 53 and my wife is 45. I never felt happy with my marriage.She suffers from OCD but is very intelligent. She has never done any cooking in these 23 years of our marriage. I cook and do household chores in case domestic help does not turn up. She brings me to suicidal tendency blaming my mother, my brother etc...She has never allowed my mother to stay with me, and also makes me lose interest in her. But her father is a very good man. I love him and feel like having sex with him though I am also a male. How much ever I ask her to come back to normalcy she does not. I am confused. My only son is 23 years old. I do not want him to think that he is disturbed. She does not understand others' state of mind. Please help me.
Ans:

Dear S,

Your situation is a bit complicated as I don’t have enough information to build on.

  • How do you know that she suffers from OCD? Has an expert diagnosed this?
  • Is the trouble in your marriage because of your confused sexual orientation?
  • Have you felt attracted to your wife at some point as well?

To me, it seems like both of you need to visit an expert who will not just help you deal with your marriage but also guide you to work on your sexual orientation which could also have led to matters going sour between you and your wife.

Like I said, things don’t add up much to me and I have tried to point you in a direction that might help you move into a solution space.

For more clarity, I do suggest getting in touch with an expert who can guide you ably and help get your life back on track.

All the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2022

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Relationship
We both work in IT company and she earns a very nice salary. We were living happily without ANY major quarrels with my wife or mother. After 6 years of marriage our child was born and since Day One she started behaving differently and went to stay back with her parents. It’s almost about 3 years and she is neither returning nor allowing me to speak to the child and insists that she will play with him at her place.We tried different ways to convince her but she doesn’t want to return nor shares the reason for this behaviour. When I asked recently she said she wants to live away from my family and not together and that too on her terms and conditions. If not, she wants to separate but I don’t want to. I have not done any mistakes then why should I suffer?What should I do? What is running on her mind? It’s really difficult for me to understand. No elders are eager to resolve the matter. Awaiting your earliest suggestions.
Ans:

Dear SS,

Something has happened which you might not be aware of that has triggered this behaviour from her.

To not let you be with the child suggests that there is something else that is going on. It requires an intervention.

Speak with her parents who can talk to her sensibly about the requirement of the child being with both parents at this time.

It is highly likely that there have been some disagreements with your family that is preventing her from coming back.

So, you possibly have been naïve to believe that nothing happened. There is a reason for every action, so something so extreme from her certainly warrants a strong reason.

Why exactly did you wait for three years is something that I cannot understand as matters like these get worse with each passing day with room for disappointments.

Well, let’s keep the past right where it belongs in.

Initiate a conversation with her and take things slow and patient.

After three long years, much has changed and to expect things to be as they were is bordering on being very gullible.

State clearly what you expect within the marriage and please be an excellent listener as you encourage her to share her version of the story, her expectations, her complaints and so on…a patient, listening and compassionate ear can go a long way in rebuilding lost relationships only when you don’t go on the defense and she feels pushed again.

I do believe that it takes two people to create or destroy a relationship but since I heard from you, this is my suggestion to you.

Please be the bigger person and keep the larger picture in mind of the marriage and the child, and swallow pride and ego and simply focus on rebuilding if that is eventually a possibility.

All the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 08, 2023

Asked by Anonymous - Mar 05, 2023Hindi
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Relationship
Dear Madam I am 36 years old and got married at 29. I have a 2year old daughter. My wife is highly impatient and always wants everyone to consider her as the centre of the universe. She has no interest in understanding peoples emotions and only cares for herself. Me and my family has no issues with this until my kid was born. After she is born, I had to devote much of my attention to my kid since my wife was very lackadaisical toward my baby. My whole energy was spent with my daughter who herself was a hyperactive kid but i do enjoy playing with her. But inspite of not understanding the fact that my whole energy is drained out by my kid, my wife starts blaming me that I am not taking care of her. What she wants is a silent husband who would silent approve of her whole nonsensical tantrums which of course i cant given the fact that my kid is growing up and i don't want her to take up these habits of her mothers. I have tried as much as possible to reason with her with patience but to no avail and my parents and relatives too after closely seeing my condition have also suggested a professional help in this regard. The fact is expect for people who are staying closely with us, no one can sense this attitude of her's and its quite difficult for others to believe when I am trying to tell them of this. Could you give me some help in this. How can I make her understand that I am not just a husband but I am a father , a son, a brother , a friend and more than that a human being.
Ans: Dear Anonymous,
Has you wife always been the way that you have described or has any incident given rise to this impatience and lack of reasoning?
A professional opinion may definitely be helpful in assessing what's going on and what can be done to streamline her thoughts into creating a family and a better life for herself and those around her.
Since, I don't know all the facts, I am unable to make a professional evaluation and can only work on some assumptions here.
Maybe she feels dissatisfied with being a wife and a mother and possibly wants to have a career for herself. Maybe motherhood is overwhelming for her and the responsibilities are worrying her.
Maybe she is seeking you care and attention.
Remember even a child when he/she throws a tantrum, you go deep to find the reason for it. It's never without a strong reason...So, do not dismiss what you wife might be going through. It needs to be taken care of.
In the meantime, care for yourself by making sure that you get some time off from playing the parent.
Find your ME time and indulge in your hobbies to maintain your sanity. You need to be a good kind space to be able to support your wife and child, so do what it takes to feel simple joys. So, seek professional help and NOW! Sometimes a total stranger can work wonders up...

All the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 13, 2023

Asked by Anonymous - Sep 12, 2023Hindi
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I have second marriage and staying 9 years. Now my age is 50 years, and my wife age is 40. I have one child years of years 6. I am in a managerial Position in a company. My wife is a Housewife and her behavior's, misconduct, lack of ownership towards me as well as home is always upset and irritate me. My child was born by IFV method due to her irregular period. She has got many opportunities to recover this problem and treatment also got an early-stage life. Due to lack of her understanding and knowledge, lack of own effort, irresponsible and liar nature, did not overcome her problem and therefore, we cannot go for second baby. Now me and my son also suffer from 2nd baby, though I have sufficient resource to look two children. I need to monitor all the things of my son’s health, extracurricular activity, education etc. She also neglects my mother. I feel she is very quality less and very dirty woman and talking valueless, not concern with health of own as well as other family member. Therefore, I and my wife staying in same home, but from last 4 years I have been separated from my wife and living in separate room. Sometimes I think to separate from my wife, but it may affect relation with my son as well as his mental condition. I am trying to adopt a second child also. I found she is not concern with quality, health, and economy. Therefore, I need to do home marketing, finance, monitoring home, health etc. which has already affected at my career also. Please advise me what to do? I feel my future is very dark with my wife. No emotions, no love and intimacy in the relation. I do regular walking & jogging and gardening is also my hobby.
Ans: Dear Anonymous,
When you seem to have decided that your wife is not going to change, no matter what happens, you will not be able to see that change. Everything about her will be irritating and annoying.
Now you say that she could have done something to avoid IVF, but why are you not thankful that you have a child now.
Having another child as well has to be the choice of both parents. Does your wife want another baby? Just by having money to support the child is not enough. You also need to have the mental and physical ability and willingness to raise another child. Also, do you think it is wise to have another child with the current relationship challenges with your wife?
There seems to be some assumptions that you have made about your wife which could have happened due to misunderstandings and arguments over years. It is definitely from both sides. But since, you are writing in...I can only address your concerns...Obviously her lack of interest in the family also suggests that she also seems to have her challenges.
So, before anything else...first work on having a better marriage and this is a suggestion for both of you! You can eat the fruit from a tree without first planting the seed for the tree to grow.

Seek the help of a professional if you can so that both of you can first learn how to communicate with each other and then settles your differences and then you can start planning a brighter future. Continue with your exercise and always try to look for what's positive in your life. It helps to tide over challenges and have a better outlook towards life!

All the best!

..Read more

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Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hi, my age is 29. Married. My daughter is 8 months old. My monthly salary is Rs. 1.33L PM. Monthly expense - Rs. 35,000 Current commitments are: Home Loan EMI - Rs. 43,535 (8 months completed. 30 years tenure) Term Insurance - 1cr (Annual premium - Rs. 36,000 for 10 years. 7 more premium pending) Current NPS Balance - Rs. 75,000. Investing Rs. 15,000 pm SSY - Rs. 12,500 pm. APY - Rs. 409 pm I'm planning to save for Emergency Corpus Fund, get a medical insurance floater policy. My short term goal is to save Rs. 20 lakhs within 4 years for registeration and interior work for house. My long term goals are for daughters UG education, wedding, retirement at 55 years. I took investment risk test and Im an aggressive investor and planning to invest more on equity. Also, I want to diversify the portfolio and invest across asset class.
Ans: It's great to see your proactive approach to financial planning! With your solid income and clear goals, here's a suggested plan:

Emergency Corpus Fund: Aim for 6-12 months' worth of living expenses in a high-yield savings account for emergencies.
Medical Insurance Floater Policy: Ensure adequate coverage for your family's healthcare needs, including your daughter.
Short-Term Goal - House Expenses: Consider a mix of equity and debt mutual funds for potential growth while safeguarding against market volatility.
Long-Term Goals - Daughter's Education, Wedding, Retirement: Continue investing in equity through mutual funds or stocks for higher returns over the long term. Also, explore options like PPF, NPS, and diversified funds for diversification across asset classes.
Review and Adjust: Regularly review your portfolio's performance and make adjustments as needed to stay on track with your goals.
Remember, financial planning is dynamic. Consulting a Certified Financial Planner can provide personalized guidance tailored to your unique circumstances and aspirations. With discipline and strategic investing, you'll be well-positioned to achieve your financial dreams.

...Read more

Mayank

Mayank Chandel  |437 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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Career
I completed bams a year ago. I passed 12th in 2014 and prepared for neet 2 times but couldn?t get seat because i was not serious about my career at that time. I had no clearity. I was so confused that I couldn?t focus. Even my parents and relatives were scolding me and not helping me . So I wasn?t thinking roperly focused. Then i gave bams entrance for the first time and got seat. I feel like if they wouldn have helped me or asked me what do i feel then i must not have been in the same place as am today. I feel i have ruined my life. Am currently working in delhi as a physician in a very renowned ayurvedic institute. But i feel like I don?t have passion for ayurveda. Am 26 years old. Everytime i feel like failure as I couldn?t get mbbs. Still my teenage to final year of my college i used to be so confused about my career. As now at 27 am having clearity that i want to be a cardiac surgeon, i feel like it?s too late to restart again. I feel depressed, failed and guilty. I don?t know if its a good decision to appear for neet again or not. I feel like defeated. I dont Feel happy. This time i have a lot of passion for becoming a cardiac surgeon but i am not able to decide this thing myself. I feel helpless. I feel guilty that I couldn?t clear neet exam. On the other hand there are some of my friends who never ever appeared for neet and did bams from private colleges are really happy and don?t have any complaints from this career. Why do i only feel defeated and unhappy.
Ans: Hi,
I cannot help you psychologically. But yes if you are really serious & want to restart give it a second thought that whether you will be able to give another 10 years into study. Plus NEET has become more competitive now as almost 24L+ students are writing this year. Again you won't make it there you will be more depressed. Other option would be MBBS abroad then. But still the question is will you be able to give your next 10 years into study?

...Read more

Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
Hi Jinal, We both partner are 40 year old. These days after having second child (9 month old), I am bit worried about my both sons (Elder one 10 year) future. We couple currently earning 3.5 Lack per month together (In hand). I am investing 15 thousand in LIC SIIP (Last two year), 25 thousand in SIP (SBI, Last two year), and nearly 20 thousand in LIC per month (Last 10 years). I do invest 1.5 Lacks in PPF every year (Last 13 year). With all this investment can i reach a core plus of 60 Lac (For younger one education) by 2030 and another 1 Cr (For Elder one education and marriage) by 2040. I don't have to plan our retirement as we both are government employee and automatically investing in NPS as per government rules (Current value of NPS is 80 Lack combined). Is this investment is sufficient or i have to increase further for our sons education. One more thing I do investment in gold also (Physical) approximately 3 Lack per year from last 2 years.
Ans: It's heartening to hear your dedication to securing your children's future amidst the joys and challenges of parenthood. Your commitment to various investments, including LIC policies, SIPs, and PPF, reflects your foresight and responsibility.

While your current investments provide a solid foundation, it's essential to regularly review and adjust your financial plan. Consider consulting with a Certified Financial Planner to assess if additional contributions or adjustments are needed to meet your ambitious goals.

Remember, financial planning is a journey, and flexibility is key to adapting to life's twists and turns. With careful planning and guidance, you can navigate towards a brighter future for your children with confidence.

...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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