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Seeking Support: Eldest Sibling With No One to Confide In

Kanchan

Kanchan Rai  |525 Answers  |Ask -

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

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Kevin Question by Kevin on Dec 19, 2024Hindi
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Relationship

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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Kanchan

Kanchan Rai  |525 Answers  |Ask -

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

Asked by Anonymous - Jul 08, 2023Hindi
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Relationship
I am 48 year old woman married for last 23 years. I live in a joint family with in laws and a unmarried sister in law of my age. I have two children, daughter aged 19 and son 16. My in laws did have cordial relationship among them and always lived in separate room. My sister in law also has severe depression and due that she is unmarried. Husband had a good job before pandemic but is not willing to work from last four years and is sitting at home. I don't have good relationship with my sister in law from day one without any reason. She finds faults with me. My in laws do not admit that sister in law has any depression. We don't have any social life. My in law does not let any one come in the house. This has taken a toll on my daughter who does enjoy social and avoids any interaction. My sister in law keeps on playing with strays dogs bringing them in the house and so my daughter. I am a working woman. I am very worried concerned and worried about my daughter although I have sent her in the hostel. The son is much affected and concentrating on his studies. Please help me.
Ans: I'm sorry to hear about the difficulties you're facing in your family. It seems like you're dealing with multiple challenges, including a strained relationship with your sister-in-law, your husband's unemployment, your in-laws' unwillingness to acknowledge your sister-in-law's depression, and the impact all of this is having on your children.

here are some suggestions that might help improve the situation:

Communication: Try to have an open and honest conversation with your husband about your concerns and the impact his unemployment is having on the family. Express your feelings and discuss possible solutions together.
Seek professional help: Encourage your sister-in-law to seek professional help for her depression. Offer your support and understanding, and let her know that you care about her well-being. If she is unwilling to seek help, you may want to consider talking to a mental health professional yourself for guidance on how to deal with the situation.
Family meeting: Arrange a family meeting involving your husband, in-laws, and possibly your sister-in-law (if she is willing). Share your concerns about the strained relationships and the negative impact on your children. Try to find common ground and work together to establish healthier dynamics within the family.
Establish boundaries: Talk to your husband and in-laws about the need for personal space and privacy. Explain how it's affecting your daughter's social life and well-being. Encourage them to be more open to allowing visitors and social interactions within reasonable limits.
Support for your children: Continue supporting your daughter and son by providing a nurturing and understanding environment. Encourage your daughter to explore her interests and engage in social activities outside of the family. Consider involving them in extracurricular activities, clubs, or organizations that align with their interests to help them build a supportive social network.
Seek external support: If the situation doesn't improve, consider reaching out to a therapist or counselor who can provide guidance and support to you and your family members. They can help you navigate through the challenges and offer strategies for coping with the situation.
Remember that it may take time to resolve these complex issues, and it's important to prioritize your own well-being as well. Take care of yourself and seek support from friends or other family members who can provide a listening ear and advice during this difficult time.

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Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Apr 21, 2024Hindi
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Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Aug 09, 2024Hindi
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Relationship
Hi I brought up from a middle class family now I'm married and having 3 yrs kid, my younger brother recently got married! Ever since his marg there was a problem going on between my mom, brother and her wife , all the 3 of them bringing their problems to me and husband it creates a huge impact on my mental health due to their problems, if I try to resolve nobody is listening, I'm staying nearby my parents which is a big disadvantage, directly it's affecting me and my family? I don't know how to overcome from this type of issue
Ans: A compassionate but firm boundary can make a difference here. For instance, you could gently explain to your mother, brother, and his wife that while you understand and empathize with their challenges, you’re finding it difficult to handle all the tension that arises from these discussions. You might let them know that, for the sake of your own mental health and family well-being, you need to step back from being involved in any discussions about their conflicts.

If they do come to you with their concerns, try gently redirecting them, perhaps by suggesting that they talk directly to each other or even consider family counseling if they’re open to it. Remind them that only they can solve these issues by communicating directly, rather than relying on you as a mediator. Over time, they may begin to understand that their repeated involvement of you is not a productive solution.

Creating some physical and emotional space is key. If living nearby is heightening the tension, consider adjusting how often you interact in person. Focusing more on your own family’s peace, stability, and happiness will also help. It may feel challenging at first, but taking steps to protect your boundaries will benefit everyone, and gradually, they may even recognize the need to work out these issues themselves without depending on you.

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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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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

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