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Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 08, 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 - Dec 27, 2023Hindi
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Relationship

I am experiencing sexless marriage since last 12 years due some catastrophic mentality of the spouse. Tried to have sex outside but I don't like it as its lacking of emotions and safety. I cant afford that financially too. I am now 48 and really got frustrated affecting my abilities, manifestations of which show in my professional life too. Cant leave her, cant blame her, cant curse her because we both love each other too much. She herself tell me to go outside for sex. Cant take her to psychiatrist or counselor too as she resist for this. She used to be in depression too but show herself normal. She is working and stress factor too is there. Due to her attitude, misunderstanding or thinking, she is also not happy herself. I have consulted doctor for myself and for her too but is not fruitful as she don't attend the clinic. I feel I need a partner for my psychological siphoning, but no way. I feel I am cursed for no intimate relationship. As of now I do get engaged in my work and try to get happiness sexually by masturbation but not happy at all. I am thinking of castration too to get the urge of sex be killed. In my family we dont have sound conversations too due to anger, loudness, etc. I always have to be calm as I can. I feel all feuds will vanish one day but its taking too much time. What to do?

Ans: Dear Anonymous,
I do empathize with you; but what problem are you trying to solve?
Putting your marriage back together and connect better with your wife OR whining about your sex life and wondering how to satisfy yourself?
If it's the former, then focus on how and what can be done to revive her faith in herself...if counselors aren't working, you might have to take on the mantle of getting the relationship back on track but also letting her know that she needs to do the same. She also must be made aware that the effort must be from her side as well. It's an uphill task but I would emphasize that focus on getting your marriage back on track. It will channel your energies better without leading to frustrations.
Who knows....when things improve, she and you might actually be able to revive your sex life as well.

All the best!

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Anu

Anu Krishna  |1437 Answers  |Ask -

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

Asked by Anonymous - Mar 20, 2024Hindi
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Relationship
I am 39 years old and so is my wife. We have 09 year old daughter and 01 year old son. We both have undergone mental trauma due to family negativity and did'nt get my share of property from my father, not even a penny. And due to this stress, my daughter got skin irritation since birth and my wife got fungal infection near thighs from last few years. We are truly upset, still living in rented accommodation. And due to these circumstances, there is lot of shouting and pain at home. I am in need of PEACE but no respite. Hence, sex become obsolete in my life, my wife never interested in this, we have done only few times in last 05 years, rarely. Please advice, how can there be Peace at home and live a happy life emotionally and physically?
Ans: Dear Anonymous,
When life feels like an unfair treatment, the only way to come out of all this is to ACCEPT things for the way they are. I suggest this only because fighting for your rights and property may just become a nice preoccupation for you. Are you interested in hiring a lawyer to fight the case, then do it...
You daughter becoming ill is something that you and wife need to take responsibility for; whatever you are going through, why are your children bearing the brunt? Why are you letting all this reach them for no fault of theirs?
And that is why this preoccupation of yours about money, property has now begun to affect the children; stop before it gets worse...You want PEACE, then free yourself from this money obsession.
Know that the only property that makes your rich is good health and the love of your wife and children. Simply accept this and move on else you will spend most of your time chasing after things that may never find its way to you...Be wise about all this!

All the best!

..Read more

Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 28, 2024

Asked by Anonymous - Oct 24, 2024Hindi
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Relationship
Hi, I am 51 year old male having one son 21 years. Myself and my wife love each other very much however there is no intimacy between us for nearly 12 years now for a simple reason that my wife doesn't want it. I am now frustrated. I feel physically strangulated. One of friends asked me seek pleasure outside but i am avert to it. I want feel very depressed sometimes and get a strong urge but to no help. What should I do?
Ans: Dear Anonymous,
You are not alone! There are many couples in this age bracket who have very mismatched sexual urges; but that doesn't take the fact away that there is a marriage and love within it, right?

What do we do when children grow from a baby to a adult? Every phase requires us to interact with them very differently. From being instructional to giving them their space, we have managed it all...How? Because we have acknowledged that children grow up and that we need to keep adapting to suit their minds and their age then.

It's the same with marriage as well. It's not fair to expect that your wife will be sexually active and highly charged up like she used to in the early days of marriage. She possibly is going through her perimenopause or some changes emotionally that is possibly deterring her from getting intimate. Talk to her, care for her, support her and also know that there are other forms of sexual intimacy other than sex alone. Start slowly, like you are still dating and bring back the spice element. Get a general check-up done to rule out any deficiencies in terms of vitamins so that this can be added as supplements.

Now, does this mean that she will be back with the energy and urge of a 25-year old? Possibly not, but at least it will give you both time to appreciate that there are phases in life and to accept this calls for maturity and a great deal of understanding. So, start by talking about it and take it slowly...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 20, 2024

Asked by Anonymous - Nov 14, 2024
Relationship
Hello Anu I ma married man with age of 54 & my wife is 52 years. We are married since 30 years and we are not having good sexual relationship. She is more keen but i have some issues with my health. From the beginning I have disorders and do even ejaculate very soon. Because of this our relations are not that good. Now we are on the verge of separation but due to childrens who are quire grown up and settled in their life they are strictly against this decision of ours. My wife wants divorce from me and wants to settle down with someone else and at present there is no such person in her life. I also want divorce but of the last thought. How can I regain my sexual life again please let me know.
Ans: Dear Anonymous,
It's really sad all the years of togetherness becomes nothing in front of physical relationships.
My suggestion would be to work on whatever is coming in between the two of you; which means what is stopping you from having a good sex life must be addressed.
It could be simple medical treatment or mind techniques to work on these challenges. Divorce in my opinion in your case, seems to be an impulsive move taken in frustration. Think it through and calmly address the main issue and work at it. Request your wife also to be a part of this. Do reconsider your decision to separate by trying to work out the differences. Even after that if things persist, then you know what you want to do. But at least give it a try...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7548 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi
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Money
I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
Finally
Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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