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Can I marry a divorced woman with a child and financial difficulties?

Ravi

Ravi Mittal  |508 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 26, 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 - Nov 21, 2024Hindi
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Relationship

Dear Expert, I am in a committed relationship with a divorced woman who has a 6-year-old daughter. We have known each other for six years and became deeply involved in relationship after her divorce, which was finalized a year ago. She is currently 23 years old and was married at the age of 14. She endured domestic harassment during her marriage, leading to a separation, and has been living apart from her ex-husband for the past four years before their legal divorce. Presently, she has no source of income and relies on her parents, who themselves face financial difficulties. Despite these challenges, we both wish to marry and build a life together. However, I am facing some concerns that I hope you can help me address: I am uncertain about how to approach my parents regarding our relationship, given her previous marriage, her young child, and her challenging circumstances. Her ex-husband is my colleague and is currently unaware of our relationship. I fear that he will react negatively, potentially tarnishing my and my family’s reputation among friends and relatives or even attempting to harass us in the future. I'm seeking your guidance on the following: 1. Is marrying her and embracing this responsibility a prudent decision, considering her past and the challenges we may face? 2. How can I effectively address her ex-husband's behavior and protect our relationship and my and family's reputation? 3. What strategies can I use to gain my parents' understanding, acceptance, and support? 4. How can we ensure a strong and healthy future together, considering the complexities of our situation?

Ans: Dear Anonymous,

Let me address your issues one by one
1. Is marrying her and embracing this responsibility a prudent decision, considering her past and the challenges we may face?
I can't tell if it is prudent but I don't see it to be a dangerous decision as well. Yes, I understand your concerns, but you have been with her for a long time now. You must have considered all of these concerns beforehand. But if you think you are not sure, I would suggest you don't keep her hanging with hope. Discuss the doubts and concerns directly with her.

2. How can I effectively address her ex-husband's behavior and protect our relationship and my and family's reputation?
Her previous marriage involved domestic harassment and that's how the relationship ended. You had no part in it. You came into the picture after their separation. Why should her husband have any say in her life after divorce? Be strict with him from the very beginning. As a part of courtesy, you can let him know that you are considering marrying his ex, but besides that, you owe him no explanation.

3. What strategies can I use to gain my parents' understanding, acceptance, and support?
Highlight the positives in your partner; let them know how happy she makes you and how much she means to you. Parents being unsupportive in such cases are very common, but with some persistent counseling from your end can make things work out in your favor.

4. How can we ensure a strong and healthy future together, considering the complexities of our situation?
The complexities of the situation don't necessarily have to play part in your future together. Let her move on from this past and if anything, you should help her move past this divorce and harassment instead of bringing that into the future. Yes, it is a part of who she is, but is so much more than just a divorcee and a very young mother; she is the person you fell for- there must be some solid reason for that. After all, you fell knowing all the complexities. That makes her even more special. All you have to do is remember those.

Hope this helps.

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Dr Ashish

Dr Ashish Sehgal  |120 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 11, 2023

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Relationship
Hello, I am 45 yrs old, divorced , in love with 29 yrs old girl. We deeply are in love with each other, however Girl’s Parents are not agreeing to our marriage, citing age gap. It’s been 2.5 yrs, have met her Parents many times at their home. Her Parents consider me as a nice guy , but the age gap factor is not letting them to approve our relationship. Am seriously stressed and want to wary that girl only. Request you to kindly suggest 🙏
Ans: It can be challenging when families do not approve of a relationship due to age differences or other factors. However, it's important to remember that ultimately, the decision to enter into a relationship and get married is a personal one that should be based on the feelings and desires of the two people involved.

It's important to continue to communicate openly and honestly with your girlfriend and her parents about your feelings and intentions. Try to listen to their concerns and address them in a respectful and thoughtful way. It may also be helpful to enlist the support of a neutral third party, such as a family counselor or mediator, who can help facilitate a productive conversation between you and your girlfriend's parents.

However, it's also important to recognize that ultimately, you cannot control the decisions of others. If your girlfriend's parents continue to disapprove of the relationship, it may be necessary to consider whether the relationship is sustainable in the long term. It's important to consider not only your feelings for each other, but also the practical realities of your situation and whether you can build a fulfilling and happy life together despite any external challenges.

Ultimately, it's up to you and your girlfriend to decide what is best for your relationship and your future. It may be helpful to continue to work on building a strong foundation of trust, communication, and mutual support, regardless of the outcome with her parents.

..Read more

Anu

Anu Krishna  |1449 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 27, 2023

Asked by Anonymous - Mar 26, 2023Hindi
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Relationship
She was waiting for a person like me and I met her first time after 2.5 years of her marriage. The girl, currently aged 22 years was married (at her 14 years of age as per document or at 12 years as per actual (child marriage)) and has one girl kid aged 5 years. She is not comfortable with her husband from the day of her marriage due to daily harassments, abusing her parents, siblings etc., and she is trying to take divorce from his husband (also her parents agreed her decision too). Her husband(aged 38 years) is reluctant to the divorce due to honour issues. I am unmarried and all my well wishers are keeping pressure to marry and are ready to find/fix matches, but I am already in a relation with that girl and ready to take care of her which my family or anybody doesn’t knows. What should be my and her move?
Ans: Dear Anonymous,
Your move should be to simply support the girl. It is highly possible that she is attracted to you more as a friend after going through a marriage at a young age and bearing a child as well.
She was looking out for a saviour and you happened to be at the scene. Let her breathe first from the shackles of a forced marriage before she jumps into another one with you. the emotional wounds from the first one must be allowed to heal before you pursue any relationship with her.
Kindly expect your side of the family to oppose this situation as they might not be in a position to understand the girl and what she has been through.
So, first...let all the legal matters get done and let her heal well from the past before she starts a new life. I don't know if you are patient enough for this and if she is emotionally mature to understand that you are not spurning her, but it is for her own good. Also, do know that you might expect unhappy family members; so be prepared to handle them as well.

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7593 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 20, 2025Hindi
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Money
Hello sir, I am 35yo with 2 (4yo, 1yo) children. Can I retire now, with following corpus: mutual fund and stocks : 3.5 crore, lands: 50 lakh, PF&PPF: 80 lakh, FD: 25 lakh, SGB &Gold:50 lakh. Currently doesn't own any house. Monthly expense is around 1 lakh.
Ans: Your corpus and monthly expenses show a solid foundation. Retirement at 35, however, requires careful assessment. Let’s analyse your situation step by step.

Current Financial Assets and Allocations

Mutual Funds and Stocks: Rs 3.5 crore

This is a significant part of your corpus. Equity investments offer high growth potential.

Lands: Rs 50 lakh

Real estate investments are illiquid. Consider them only for long-term growth or inheritance.

PF and PPF: Rs 80 lakh

These provide stability and assured returns. These are good for meeting long-term goals.

Fixed Deposit: Rs 25 lakh

FDs are low-risk and ensure liquidity. This is beneficial for emergencies.

SGB and Gold: Rs 50 lakh

Gold is a strong hedge against inflation. It also offers diversification.

Monthly Expense Analysis

Your monthly expense of Rs 1 lakh equates to Rs 12 lakh annually.

Accounting for inflation, this expense will grow over time. Planning for this is crucial.

Core Observations

Your total corpus is Rs 5.55 crore. This is substantial for your age.

Inflation and rising expenses over time will impact your corpus.

Without a house, rent becomes a recurring expense. Factor this into your calculations.

You have no guaranteed income sources post-retirement.

Key Areas of Improvement

Housing

Consider buying a house if feasible. Owning a house ensures stability and reduces rent.

Do not invest excessively in real estate as it is illiquid.

Corpus Utilisation

Avoid over-reliance on equity investments for withdrawals. Equity is volatile in the short term.

Use a mix of debt and equity for regular withdrawals.

Children’s Education and Marriage

Both are major financial goals. Plan dedicated investments for these.

Use long-term instruments for education and marriage funds.

Emergency Fund

Maintain an emergency fund of at least 12 months of expenses.

Keep it in liquid funds or high-yield savings accounts.

Recommended Financial Strategies

Asset Allocation

Diversify your portfolio across equity, debt, and gold.

Maintain 60% equity, 30% debt, and 10% gold as a starting point. Adjust as needed.

Mutual Fund Investments

Continue with actively managed funds. These can outperform index funds in emerging markets like India.

Avoid direct funds if you lack time or expertise. Regular funds offer advisor support and insights.

Debt Investments

Increase debt allocation for stability. Consider high-quality debt mutual funds.

Ensure these align with your withdrawal needs.

Tax Planning

Monitor tax implications of mutual fund withdrawals.

LTCG from equity funds above Rs 1.25 lakh is taxed at 12.5%.

Plan withdrawals to minimise tax liabilities.

Insurance Needs

Ensure adequate health insurance for your family. Cover at least Rs 25 lakh for each member.

Check if you have term insurance. Secure Rs 2-3 crore coverage for your family’s financial safety.

Inflation and Lifestyle Adjustments

Inflation can erode your purchasing power. Plan investments to counter inflation.

Avoid lifestyle inflation. Stick to essential expenses wherever possible.

Income Generation Options

Systematic Withdrawal Plans (SWP)

Use SWP from mutual funds for regular income.

Choose hybrid funds for better stability and returns.

Rental Income

Invest part of your corpus in commercial properties.

Ensure this aligns with your liquidity needs and risk profile.

Freelance or Part-Time Work

Consider light work for additional income. It can extend your corpus.

Use your skills to generate flexible income streams.

Monitoring and Review

Review your portfolio annually. Adjust allocations as goals evolve.

Work with a Certified Financial Planner for periodic checks.

Final Insights

Retirement at 35 is ambitious but achievable with meticulous planning. Your current corpus is strong, but consider the following:

Plan for inflation, children’s needs, and healthcare costs.

Diversify investments and secure guaranteed income sources.

Avoid premature decisions. Evaluate thoroughly before retiring.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ravi

Ravi Mittal  |508 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 20, 2025

Asked by Anonymous - Jan 11, 2025Hindi
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Relationship
I am a 20 years old guy and in my past romantic relationships, have shown signs of emotional instability, too much dependency and lack of awareness of boundaries which affected my relationships badly...I hadn’t interacted with people in a long while since 2020 (precisely when lockdown had started) and feel that some aspects of my personality are not developed fully as they should be at this age. How to work on this? Also, i have noticed that I am able to create a good first impression but it soon pales and I feel like I am subtly disrespected or talked down to, and this has been happening in all interactions...i am always respectful (often to a fault!) and even have people pleasing tendencies...i sometimes ask immature weird questions and that might probably be the reason (but they’re never inappropriate)...but i do want to gain insights into why i am experiencing what i am and how to navigate this situation well so that I can maintain healthy relationships in future. Thanks you!
Ans: Dear Anonymous,
First of all, I want you to understand that it is no small feat to realize the quirks and imperfections in ourselves- you have done it. Your effort to understand and rectify them deserves to be acknowledged and appreciated.
Now, coming to your question, I can only give you some general advice on each-
Emotional instability and dependency- these behavioral patterns can stem from various factors; it can be a lack of confidence or some past issues that are left unresolved. It is difficult for me to tell you exactly why it is happening. It can also arise from a lack of validation. To manage it, you can focus on self-regulation- like meditation or journaling whenever you feel these emotions rising. This way you are expressing them but not damaging your relationships. Take up new hobbies or goals. Achieving milestones can build confidence.
Navigating Boundaries- You can speak to your partner in the early stage of the relationship to understand their boundaries. This way there will be clarity and you won't overstep. You can set up some boundaries too.
For better interpersonal skills, you can proactively follow some rules- like active listening, avoiding overthinking, asking open-ended questions, and resisting the urge to seek your partner's approval.
About the awkward questions- it is important to understand that you might perceive them as awkward, but the person opposite to you might think of it as a genuine curiosity. As long as it isn't intrusive or inappropriate, there are no awkward questions.
Like these, I can only offer you some general advice. But the best advice of them all would be to seek counseling. It has done wonders for people. And the first step, which is identifying the issues is already done. Bravo! What's wrong with taking a little professional help in navigating the next steps? They can guide you in a more structured manner.
Hope this helps.

...Read more

Kanchan

Kanchan Rai  |499 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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Relationship
I’ve been in a relationship with a girl for the past 4 years, but due to various issues, things have become extremely complicated. Her father doesn’t approve of me, and my mother doesn’t like her either. Despite this, we’ve managed to stay together all these years. The problem is now escalating. My family is pressuring me to marry someone else, but I’m unable to leave her. At the same time, I feel I can’t marry her either because of her behavior and the ongoing issues with my family. I’ve tried to ask her to change certain things, but she hasn’t made any efforts in that direction. To make matters worse, her mother supports our relationship and trusts me, which makes it even harder for me to walk away. I don’t want her to marry someone else, but I also feel stuck because of my family’s expectations and the challenges in our relationship. Even If I leave her I don't know what she is going to do. What should I do in this situation to make the best decision for everyone involved?
Ans: it's crucial to reflect on what you truly want and need from a relationship. Ask yourself if this relationship brings you the happiness and fulfillment you seek, or if the challenges you face are too significant to overcome. It's important to differentiate between staying out of love and staying out of fear or obligation.

Talking to your partner openly is essential. Share your concerns honestly and listen to her perspective. If there are changes you've hoped for, express why they matter to you. At the same time, recognize that change is a two-way street—it requires effort and willingness from both sides. If she hasn't made efforts in the areas you've discussed, it may be worth considering whether this is a pattern that can be changed or a fundamental mismatch in expectations.

Your family's disapproval complicates things further, but it's important to remember that this is your life and relationship. While their opinions are significant, they shouldn't be the sole deciding factor in your happiness. Balancing respect for their wishes with your own needs is a delicate task, but ultimately, you need to make a decision that feels right for you.

If the relationship feels unsustainable despite your efforts, it may be time to consider a different path. It's understandable that you’re concerned about her well-being, especially given her mother's trust in you, but staying out of guilt or obligation can lead to further unhappiness for both of you. If you decide to part ways, doing so with kindness and honesty can help mitigate some of the hurt.

Ultimately, this decision is deeply personal. Weighing your feelings, the relationship dynamics, and your family's expectations will guide you toward a resolution that prioritizes your well-being and future happiness.

...Read more

Kanchan

Kanchan Rai  |499 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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Relationship
My age is 41 years. I have two kids. Nurturing n looking after them n whole home single handedly. I am a visiting faculty in a institute . Earns very nominal earning. My husband hits me, taunts me and use very arrogant words to me like tumhe belt se maarunga n similar many worst words. His family has been always unsupportive to me . Now after 16 years of marriage, he still wants me to please his mother n other family. Which I completely avoid as they have never supported me and always boycotted me. His real brother is in politics and all family members including his cousins do follow him and boycotted me n husband. Now for everything my husband blames me and says if you gave pleased them, all might have good. But inspite of pleasing them a lot , they are like treating me like I am a stranger. I handle n manage everything still by the end of the day.... everything is in vain. Husband says...What you did for home? I will never ever give my money to you and so on. I am literally in trouble thoughts, what to do ? I even many times thought to end my life but my kids are the reason I continuously bears everything. Please suggest what shall I do.
Ans: it's important to acknowledge that no one deserves to be treated with such disrespect and abuse. Your feelings of isolation and frustration are valid. It can feel overwhelming when the people who should support you instead make you feel like an outsider.

In situations like this, it’s crucial to find support outside the immediate family. Reach out to trusted friends, family members, or support groups who can offer you emotional strength and practical advice. Consider speaking with a counselor or therapist who can help you navigate these complex emotions and provide strategies for dealing with the abuse and stress.

You’ve shown immense resilience, especially for your children. They need you to be strong, and seeking help is a vital step in preserving your mental and emotional well-being. Remember, prioritizing your health is not selfish; it’s necessary for you and your children’s future.

Also, explore any legal avenues or resources available for individuals in abusive relationships. Local support organizations, legal aid, or women’s shelters can provide advice and assistance if you decide that leaving the relationship is the best option for your safety and well-being.

You have already shown great courage by managing so much on your own. Continue to seek out support and know that you are not alone in this journey. There are people and resources willing to help you find a path to a healthier and more secure life.

...Read more

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