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Husband Ignores Me and Doesn't Respect Me as a Housewife: How Can I Regain Respect and Become Financially Independent?

Dr Upneet

Dr Upneet Kaur  |21 Answers  |Ask -

Marriage counsellor - Answered on Mar 25, 2025

Dr Upneet Kaur is a medical professional and therapist based out of Amritsar.
After completing her bachelor’s degree in Ayurvedic medicine and surgery from the SKSS Ayurvedic College and Hospital, Sarabha, Punjab, in 2008, she worked as a medical officer at various multi-specialty hospitals in Punjab, handling both physical and mental patient care and clinical decision-making. She spent the next decade leading multidisciplinary teams at various levels.
Since 2022, she has been practising as a clinical psychologist and marriage counsellor.
Dr Upneet also holds an MBA in hospital management from Alagappa University, Tamil Nadu, and an MA in psychology from the Indira Gandhi National Open University.... more
Asked by Anonymous - Mar 20, 2025Hindi
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Dear Dr Upneet mam, my husband ignores me all the time. We have been married for 12 years and have a 10 year old son. I am an MCom graduate who quit my job after my son was born. Today, both my son and husband don't respect me because I am a housewife and I don't have an income. I want to work, become financially independent and have my own savings, but I have to take care of my in-laws who are unwell. I am feeling very demotivated. What should I do?

Ans: Hello mam,
The problem you are facing is very important to discuss. Well, I appreciate your sacrifice of leaving your job for your son and in laws. I understand that you have to take care of your in laws also and your family also. In today's world there are many work from home options that you can see and work on like you can join some coaching site, or if you know something then you can share your knowledge with others. You can earn very well by working from home and you can take care of your family also. I hope this will work. Gradually your husband and your son will understand you and start respecting you. Take care !
Regards
Dr Upneet kaur
Reach me:
https://www.instagram.com/dr_upneet

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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!
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Asked by Anonymous - Jun 03, 2024Hindi
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Hey, I am married it's been 12 years, I have a 11 years boy. I did my masters before marriage I worked as teacher. I told my husband as well I want to work he said I can work with him in this college where he is also working. When I got married he said my degree is not eligible to work in this college that was geniune they need btech I am Bsc. So I asked I can work in other place and he said I can't. I tried hard but the answer was not all the time. I started with online classes basically working from home and I did it for 10 years. Now why I am so desperate to work? He never pays me anything he never buys anything whenever I ask he says you or your parents did give anything to me so I have nothing to give you. When this alliance came to me we asked them very clearly if they are expecting dowry. They clearly said they don't and that's the reason I married him. I am from a middle class family, and I was brought up like a happy kid. Here in my in laws home my mil drinks alcohol daily and uses very bad words. I adjusted and we shifted to other city for my husband job. Even my husband used to drink and confronted him and he reduced it mostly. Recently due to health issues he completely quit alcohol which was a god's grace. He has some medical condition where he is not actively participating in physical intimacy. He is very close to our son. They both love each other like anything. Seeing this I take every shot he gives me. But I think I am broken I wanted to fix it now I found a job and going my husband is behaving like I murdered someone and not talking and doing drama. Treats me like a maid and say do this house chores properly you can think about job later. I am a very enthusiastic person who wanted to learn now I told him very clearly that if he wants me quit job he needs to pay me. He refused and said if your can bring money from your home I will pay. I said why would I bring money and give him? So he behaves very weird and sadistic like he never wants me leave house, not atleast without telling him. He hide bike keys when he comes to some city so that I can't go anywhere. When I was working online he used to come to lunch I kept everything ready on table for him and continuing my work if I forget to keep water on table he was furious and say I should concentrate on this instead of my job when I forget something to keep he disconnects the modem and hide it so that I can't work. I am fed up and I can't hold this anymore where I am not being respected, not given financial support, no sex, no good talk, only expect to make perfect coffee, lunch ,dinner and take care of home with no dirt atall. I told him I will file divorce now he asks for forgiveness and this happened many time everytime I say I will leave he will behave like a kid even touching my feet. I am doing psychology which is one of my dream he is against that as well but now when I reading I think he is very manipulative psychopath. My boy I very much into him. I am doing my job right now. We have no vacations no outing nothing. He doesn't want to spend a penny on us. I take my boy put he doesn't accompany us. He doesn't like outings he say. What should I do? I can't leave as my boy can't get seperated. I can't live with him coz I have nothing in this relationship just explotation. He will not let me leave coz he knows he cannot live without us. And no one care about him. How to deal with him to make home happy atleast to my boy coz his toxic nature like manipulation and threatening blackmailing is effecting me and my boy I don't want my boy to go through this or learn this from him atleast. He needs to know how to treat a wife the way his father treat is not right I want to grow him into a nice gentleman not like this father. What can I do for this?
Ans: I'm sorry to hear about the difficult situation you're facing. Navigating a relationship like this can be incredibly challenging, especially with a child involved. It's clear you're dedicated to creating a better environment for yourself and your son, which is an important first step.

First, it's essential to acknowledge your strengths and resilience. You've managed to pursue further education, maintain a job, and care for your son despite the significant challenges at home. Recognizing your own capabilities is crucial as you move forward.

Consider seeking professional support from a therapist or counselor. A professional can provide you with emotional support and help you develop strategies to cope with your husband's behavior. They can also assist you in building a safety plan. If you ever feel physically unsafe, having a plan in place to ensure you and your son's safety is critical. This could include knowing where you can go, such as a friend's house or a family member's home, and having important documents and essentials ready to take with you.

Additionally, it might be helpful to speak with a legal professional. Understanding your rights and options regarding your marriage and any potential separation is vital. A lawyer can guide you through the process and help you protect your interests and those of your son.

Maintaining documentation of your husband's abusive or manipulative behavior, financial control, and any incidents can be useful if you decide to take legal action. Keeping a detailed record will provide evidence that can support your case.

It's important to create a support network. Reach out to trusted friends or family members who can offer you emotional support and practical assistance. Sharing your situation with someone you trust can provide relief and help you feel less isolated.

Given your husband's behavior, setting boundaries is essential. Be firm about your decision to work and pursue your interests. Consistently reinforce your boundaries, and don't be afraid to stand up for yourself. This might provoke further resistance from your husband initially, but maintaining these boundaries is crucial for your well-being.

Communicate openly with your son about the situation in an age-appropriate manner. Reassure him that the issues between you and your husband are not his fault. Encourage him to express his feelings and let him know it's okay to feel upset or confused.

Your focus on raising your son to treat others with respect and kindness is commendable. Modeling respectful and assertive behavior yourself will be a powerful lesson for him. Ensure he understands the importance of treating others with dignity and respect, regardless of how others may act.

Finally, prioritize your own well-being. Engage in activities that bring you joy and relaxation. Taking care of your mental and physical health is essential, as it will provide you with the strength and clarity needed to navigate this challenging situation.

It's a difficult journey, but by seeking support, setting boundaries, and focusing on your well-being, you can work towards creating a healthier environment for yourself and your son. Remember that you deserve respect and happiness, and taking steps towards achieving that is not only beneficial for you but also sets a positive example for your son.

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Milind

Milind Vadjikar  |1136 Answers  |Ask -

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Hello! Advait ji, My Mom is 82 and gets family pension. She has 70 lakhs FD maturing in March 25. I would like to invest 10 lakhs in FD as emergency fund. Kindly advice how to invest the remaining 60 lakhs, which is risk free and gives good returns (better than FD) She has the following investment - 1. 10 lakhs in Edelweiss Multicap Fund - Gr 2. 2 lakhs 40 thousand in HDFC Flexicap Fund -Gr 3. 2 lakhs 40 thousand in HDFC Midcap Opportunities Fund 4. 2 lakhs 50 thousand in Invesco India Focused Fund 5. 2 lakhs 50 thousand in LIC MF Infrastructure Fund 6. 2 lakhs 50 thousand in Motilal Oswal Large and Mid-Cap 7. 2 lakhs 40 thousand in Nippon India Large Cap Fund 8. 2 lakhs 40 thousand in Nippon India Multicap Fund 9. 2 lakhs 40 thousand in Nippon India Small Cap Fund 10. 2 lakhs 40 thousand in Quant Small Cap Fund. Total Mutual fund investment of 32 lakhs. Apart from MF she has invested in Bajaj Allianz Life insurance plan, where she will investRs 2 Lakhs per year for 10 years. This is a guaranteed plan. She is comfortable running the house with her pension. However, please suggest shorter duration investments (5 yrs) Regards Namrata
Ans: Hello;

She may opt for any of these investment avenues:

1. Post office time deposit scheme(FDs offered by post office for 1,2,3 & 5 year tenure); Joint holding allowed; Premature withdrawal allowed after 6M. (Current ROI 6.9-7.5%)

2. NSC with a fixed tenure of 5 years; No premature withdrawal allowed. Can be held jointly(Current ROI 7.7%)

3. KVP: Although tenure is 9 yrs and 5 months, you may do premature encashment after 2.5 years; joint holding allowed;(Current ROI 7.5%)

You may approach a reliable postal agent to process these investments to avoid hassle of frequent post visits and associated hardships.

These are backed by GOI so no risk of default.

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I am a first year student at MIT Manipal,currently pursuing Electrical and Electronics engineering(EEE),and I am have been given a choice to apply for branch change in my institute either to CSE,Mathematics and Computing(MnC) or ECE in my second year. I did not study Computer Science in 11th and 12th, and I coding in C for the first time as part of my 1st year syllabus.I am not very much interested to coding,but I am learning it since it is there in the course syllabus. My parents suggest switching to CSE, but they are not engineers and do not have insights into the current job market. Since my batch will be passing out in 2028, I want to understand the job scenario for CSE, MnC, ECE, and EEE graduates by then. Among these,which branch provides better opportunities for core engineering jobs with good or decent salary and stability? I have heard that many ECE graduates end up in IT jobs due to lack of core industries-is that true?Would ECE be a better alternative to CSE for core jobs or is it better to stay in EEE? Also between CSE, ECE, and EEE, which has less competition in the job market while still offering good career prospects? Additionally, I want to know which branch is broader, with ample opportunities in both the government and private sectors, especially for core jobs with good pay and stability. base on futuret rends, would it be a wise decision to change my branch, or should I continue with EEE?
Ans: Happy to see that you have asked very logical questions. I can say that, since you are already in Electrical and Electronics Engineering (EEE) at MIT Manipal and have the opportunity to change to CSE, Mathematics and Computing (MnC), or ECE, your decision should be based on:


Your Interests (Core Engineering vs Coding)
Job Market Trends for 2028 and Beyond
Competition & Industry Demand

Future Job Market (2028 & Beyond) for Each Branch
Branch Core Job Scope IT/Software Jobs Govt Jobs Competition Salary Stability
CSE Low (Software Focused) High Limited Very High High but Unstable
MnC Medium (AI/ML, Finance) High Limited High High but Research-Oriented
ECE Medium (VLSI, Chip Design, Telecom, IoT) High Moderate (ISRO, DRDO, PSU) High Medium-High
EEE High (Power, EVs, Automation, Energy, PSU) Moderate High (Railways, NTPC, BHEL, Govt) Low-Medium High & Stable

Should You Switch to CSE, MnC, or ECE?
If You Want Core Engineering Jobs with Stability
Best Option: Stay in EEE

If You Want a Balance Between Core & Software Jobs
Best Option: ECE

If You Want a High-Paying Private Sector Career (But Not Core Engineering)
Best Option: MnC or CSE

Hope this will help you in decision making.

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Milind Vadjikar  |1136 Answers  |Ask -

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Hi sir I am investing when ever i have money not like in SIP. my most of investments are around 6 L invested in Quant different mutual funds. No a days i can see my all the Quant funds are going down. Im 34 years old female. My plan is 10 years. Can i exit from quant and invest in any some MF rather than getting more loss? Can you please review my portfolian. Do i need to exit from any MF. Since i'm maintaining too many MF. Thanks in advance. Mutual Funds List No' Scheme Name AMC Category Sub-category ISIN 1 DSP Small Cap Direct Plan Growth DSP Mutual Fund Equity Small Cap INF740K01QD1 2 Quant Focused Fund Direct Growth Quant Mutual Fund Equity Focused INF966L01853 3 Parag Parikh Flexi Cap Fund Direct Growth PPFAS Mutual Fund Equity Flexi Cap INF879O01027 4 Mirae Asset ELSS Tax Saver Fund Direct Growth Mirae Asset Mutual Fund Equity ELSS INF769K01DM9 5 JM Flexicap Fund Direct Plan Growth JM Financial Mutual Fund Equity Flexi Cap INF192K01CC7 6 Axis Growth Opportunities Fund Direct Growth Axis Mutual Fund Equity Large & MidCap INF846K01J46 7 Parag Parikh ELSS Tax Saver Fund Direct Growth PPFAS Mutual Fund Equity ELSS INF879O01100 8 Quant Small Cap Fund Direct Plan Growth Quant Mutual Fund Equity Small Cap INF966L01689 9 Canara Robeco Small Cap Fund Direct Growth Canara Robeco Mutual Fund Equity Small Cap INF760K01JC6 10 Motilal Oswal Midcap Fund Direct Growth Motilal Oswal Mutual Fund Equity Mid Cap INF247L01445 11 Nippon India Multi Cap Fund Direct Growth Nippon India Mutual Fund Equity Multi Cap INF204K01XF9 12 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 13 ICICI Prudential Value Discovery Direct Growth ICICI Prudential Mutual Fund Equity Value INF109K012K1 14 Quant Flexi Cap Fund Direct Growth Quant Mutual Fund Equity Flexi Cap INF966L01911 15 Nippon India Small Cap Fund Direct Growth Nippon India Mutual Fund Equity Small Cap INF204K01K15 16 Quant ELSS Tax Saver Fund Direct Growth Quant Mutual Fund Equity ELSS INF966L01986 17 Aditya Birla Sun Life PSU Equity Fund Direct Growth Aditya Birla Sun Life Mutual Fund Equity Sectoral / Thematic INF209KB1O82 18 Quant Mid Cap Fund Direct Growth Quant Mutual Fund Equity Mid Cap INF966L01887 STOCKS LIST 1 APOLLO TYRES-EQ RE 1 2 ASIAN PAINTS EQ 1/ 3 BRITANNIA IND-EQ1/- 4 CG POWER-EQ2/ 5 IRCTCL-EQ2 6 NHPC LIMITED - EQ 7 TATA STEEL-EQ1/ 8 Deepak nitrate 9 LT 10 Narayana Hrudayalaya
Ans: Hello;

6 L worth investment in 18 different funds is spreading it too thin.

You have a time horizon of 10 years but how much corpus you want to accumulate after 10 years kindly clarify?

Also if you can specify the goal for which this investment is aimed at then it will help us to suggest suitably.

I will recommend you strategy to rationalize you MF holdings once you revert on the above points.

Thanks;

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Milind

Milind Vadjikar  |1136 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 25, 2025

Asked by Anonymous - Jan 26, 2025
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Sir, I am Mudassar, 40 years old, i have 3 childrens, 2 daughter and son. Sir, i need your suggestions/guidance becaz i am in very crtical situation. My take home salary is 40K and my father (retired age 74 ) salary is 35K , we both have personal laons to build house. I have two running LIC's , on which i have taken loan also. Recenlty we build own house , if i sell now, i will get around 42 to 45 Lakhs . My lloan detailsbelow ; 1. HDFC 7,20,000 emi 14K 2. Company emi 1,50,000 emi 4K 3. LIC loan 2 laks emi 2K 4. Father loan 4 lacks , two year remaining, emi 14K Total emi : 34K Apart from we are paying 15K monthy to chit fund , still 15 months remaining. Summary: Total sal 75 K , after laon and chit fund deducting , will get 26K to run home , including grocery, children fees , health etc... its very difficult to manage, and keep thinking to take extra loan .. as i said earlier , have two LIC's , i am.paying 56K every year . What i am thinking is, i will sell my house And clear all my laons .. and approximate i will have 25 Lakhs remeaing , so i will inest in mutual fund , SIP , SWP, index fund for long time investment .. So i.am in very confusing mode , whether i have to sell my house .. and start my investment journey... pls help sir .. My finacial conditions are very similar to all middle class family.. Request you to please reply and give your sugestion for investment joury. Awaiting your kind reply .. Thanks in advance ...
Ans: Hello;

Suppose you sell your house and clear your loans and other liabilities but where will you & your family stay?

How much rental per month would be required to get an adequate house on rent?

Please clarify. Based on your input we can advise you suitably.

Thanks;

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