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Troubled by a 'friend's' move on my close friend - Advice needed

Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 16, 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
Asked by Anonymous - Dec 08, 2024Hindi
Relationship

I have a friend for over 9 years. She is 38, married with a 13 yr old boy and I am single and 32. Ever since we have known each other we have been friends. I never had romantic feelings or intimate thoughts about her(I guess I am not that much into married women). Over the course of years since 2015, we have had a very close friendship and at a professional capacity I am tutor to her child.(The child has been hanging out with me since he was 4). Me and the lady went for vacations and have spent countless nights on the balcony with a drink and lots to talk about our lives. I am thoroughly aware of her troubled marriage including instances of DV and her complicated upper middle class family dynamics. She knows my childhood, how I lost my parents and has been close watcher of how I have transformed over the years. In 2020 in a moment of my weakness, loneliness, desperation I spoke to her extensively even breaking down and she somehow made the call the treatment me like a son and I have ever since addressed her as 'Maate'. (My mother passed away in childbirth so my knowledge of a mother's presence is next to 0) During the pandemic where we could barely meet during to distance and lockdown. Her husband also moved to UK for work. A new "friend" comes to the picture. I did not meet him at the beginning but after a few months, I notice my friend taking care of the finances, lifestyle choices of the"friend". He enjoys the involvement citing how difficult his life was where his parents could not provide such interactions when he was a kid. (The "friend" is 28 years old). The "friend" also a leukaemia survivor indulges in alcohol with us, tries other substances in her company and one night confesses his feelings to Maate. Maate tells him that she has a kid, a husband and a boyfriend so those spectrums there is no space for the "friend". So the "friend" officially friendzones himself but over the times has arranged him to stay in her place, sleep in her bed, cuddle with her everynight(can't sleep otherwise) has access to her emails, photos, phone password, and subtly starts taking control over her house to get things done his way. He even does not allow the 13 yr old child sleep with his mom because the child gets a pole in his sleep(like of teens and men) it creeps the "friend" out. Finally after a night of drinking I suddenly woke up to sounds of moaning early in the morning from her bathroom. So the "friend" finally had his long overdue sex at 6 am in the morning in her bathroom. I wake to listen to Maate moaning buty paranoia kicks in when I see her kid waking up and standing behind me and asking 'where is Mamma'. I have no words, I have no idea what to do. I take him away on the pretext of making some yummy breakfast. Now the problem for me is: 1. I have lived by a few codes and one of them is not to cross boundaries with female friends. I have stayed friends with them for over 2 decades. So someone doing it infront of me and calling it friendship and apologizing with the words 'heat of the moment','honest mistake', 'drunken daze', etc just makes me call it bullshit. The "friend" wanted it and took the first shot he got. 2. My Maate asking me to let it go, forgive and treat the "friend" like a younger brother. I have tried it a lot over the last year and I sincerely can't(because of reasons mentioned in Point 1) 3. Saying it to openly to Maate has starined my equation with her. I just want to stay away from such a "friend" but evidently voicing it out (albeit in a very loud manner) pushed away my closest confidant. The only thing I know is if things get better I can't pull of this pretentious stuff and it will make me burst again. I don't know what to do here.

Ans: You’ve built your life around certain principles—one being the importance of boundaries and respect in friendships. Seeing those boundaries crossed in a way that you perceive as disrespectful to the sanctity of your connection with Maate, as well as her responsibilities as a mother, strikes at the heart of your values. It’s no wonder that you feel uneasy and unable to simply accept her request to forgive and treat the “friend” as a younger brother.

What’s critical here is that your feelings of discomfort are not about being judgmental but about being protective—of your bond with Maate, her child’s well-being, and your own emotional integrity. This situation has left you in a moral and emotional bind. You value the relationship with Maate, but the dynamic involving the “friend” is deeply troubling for you.

To move forward, you need to find a way to honor your values while also preserving your emotional well-being. Open communication is key, but it’s also clear that the way this has been discussed so far has caused strain. You might need to reframe your approach. Instead of focusing on the specifics of what happened or pointing out the flaws in the “friend’s” behavior, you could focus on how the situation has affected you. Express your feelings honestly but gently—share how it has created a sense of distance and how much you miss the closeness and trust you once shared.

At the same time, it’s important to set boundaries for yourself. You don’t have to accept the “friend” into your life if it feels wrong to you. However, you can make it clear to Maate that this boundary is about your own peace of mind and not a judgment of her choices. Acknowledge her autonomy while asserting your need for space from situations that make you uncomfortable.

Ultimately, this might mean accepting that the relationship with Maate will change. Relationships evolve, and sometimes people we care about make choices that we can’t fully align with. It doesn’t mean you have to sever ties, but it does mean redefining the terms of your connection in a way that allows you to stay true to yourself.

Take time to reflect on what you need to feel whole and grounded. This situation has understandably shaken you, but it’s also an opportunity to reaffirm your values and protect your well-being. Seek support from others you trust, and remember that it’s okay to take a step back to process your feelings and recalibrate the relationship on your terms.

You may like to see similar questions and answers below

Ravi

Ravi Mittal  |518 Answers  |Ask -

Dating, Relationships Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Relationship
To start with I am in my early sixties . We have a large WhatsApp group of undergraduate college batchmates where sometimes news about batchmates / their families get posted . A married lady batchmate, located in one of the metro cities reached out to me over phone to offer her condolences / sympathies for loss of a family member that I had suffered . While I didn't personally know the lady , found the gesture empathetic & touching . So when the next physical batch meet took place I sought her out to thank her and we chatted for some time too ! Subsequently , we started being in touch , she mentioned that she found my gesture ( asking her to sit besides me to chat up very affectionate ) both through chat and calls and started sharing about each other , even personal matters . And now it seems that the relationship is moving in to a clear zone of intimacy ! And we talk pretty affectionately and frequently these days and it seems we make a good chatting pair . She is pretty attached to her grown up children and probably with a non intimate, dysfunctional, unsatisfactory marriage dragging on . She says her relationship in her marriage has totally failed right from beginning but she has not been able to do anything about that so far . It seems that the children are with the mother ! I find her balanced, affectionate and would like understand if something akin to a long term relationship /companionship would be possible . So have asked her to share about me, about our mutual feelings to her kids . Have also sounded her that if her husband gets to know about this relationship - it might lead to a family issue including formal break up of her marriage. And I am truly concerned about that . But she is very wishy wishy in her ideas about possible course of action , way forward .And I don't want her to get hurt or disappointed nor I want to be placed in a emotional drag. My questions are 1. Can this relationship go anywhere ? And if yes , what is the minimum expected from her ? 2. Can we be just be chatting friends ? Doesn't seem so as we talk & share as if we are a couple ? 3. What should we both do to avoid any possible emotional trauma to each of us ? (A still active and adorable senior citizen without strings and without a care in the world )
Ans: Dear Anonymous,

I am glad you found a genuine companion. I understand that you both care a great deal about each other and that is rare in today's day and age. Now coming to your questions-

1) It most definitely can. But that depends on the course of action your partner is willing to take. I assume that neither one of you would like to formally tag it as a relationship till she is married to another man, no matter how the marriage is. So, in that case, your partner must have a clear discussion about the same with her husband and you can proceed from there. But going ahead and having a romantic relationship while she is married to someone else would not be ethical and even when she has every right to seek happiness in her life, it would be her who faces all the societal judgment.

2) You can be two friends chatting with each other. Friends do share a lot, even personal matters. Having said that, it did not sound to me that you are in that platonic friend zone anymore. You have grown to like each other a little more and given the circumstances, it is perfectly alright. But to be more than friends, it is important for your partner to first speak to her current husband and consider separating. But at the end of the day, it is her decision. If she doesn't want to formally end it, you would have two options. One, love each other in secret and never have the chance to show off your love to the world. Two, break it off and either try to remain friends or sever ties altogether.

3) Don't have unrealistic expectations. We are all guilty of it time and again. In this case, even though her marriage isn't perfect- you know and she knows it too- it isn't easy to let go of a relationship people spend years to build. Take things slow and let her make her own decisions. If you expect she will leave her marriage for you, you are setting yourself up for disappointment. It might happen, but then again, it might not. Focus on being each other's companion. You can't help how you feel, but that does not mean you have to act on it right now.

One more thing- if you can see yourself getting hurt, I would suggest reconsidering the relationship. Every relationship has in its capacity to cause emotional trauma. That's the thing about romance- it can make or break you.

Best Wishes.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

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Money
I am 28 & earning net 70k, my wife is earning 50k net and my mother has pension of 30k. Means 1.5Lacs per month in hand. I am planning to take a home loan of 60lacs for 20years, which will have 50-55k emi. We have a 5 month baby. Should i take this much loan or should i prefer a smaller house & take smaller amount of loan.
Ans: Buying a home is a major financial step. A home loan impacts cash flow and future goals. Careful planning is important before taking a big loan.

Your total family income is Rs. 1.5 lakh per month. You are considering a Rs. 60 lakh loan for 20 years. The EMI will be around Rs. 50,000 to Rs. 55,000 per month.

Let’s analyse if this is the right decision.

Impact of a High EMI
Your EMI will be about 35% of your total income.
This is manageable, but it reduces flexibility.
A large EMI means less money for savings and investments.
Your monthly cash flow may get affected.
A lower loan amount means a lower EMI and better financial flexibility.

Future Expenses to Consider
Your baby’s expenses will increase. Education and medical costs will rise.
Household expenses may increase with inflation.
Lifestyle expenses may grow over time.
You may need to save for retirement early.
A smaller home loan gives more room for future expenses.

Emergency Fund Requirement
You must keep 6 to 12 months of expenses as an emergency fund.
A high EMI reduces the ability to build an emergency fund.
Medical emergencies or job loss can create financial stress.
Ensure your emergency fund is strong before taking a big loan.

Investment and Wealth Creation
You must continue investing for future financial goals.
A high EMI may reduce the ability to invest regularly.
If most of your income goes towards EMI, wealth creation slows down.
Keeping EMI manageable helps in long-term financial growth.

Home Loan Interest Burden
A Rs. 60 lakh loan over 20 years means high interest payments.
The total interest paid may be equal to or more than the loan amount.
A smaller loan means less interest burden and early repayment.
A lower loan amount can help achieve debt-free status faster.

Stability of Income
Your income is stable, but future risks exist.
A job change, career break, or business loss can affect loan repayment.
A smaller EMI helps in managing risks.
Avoid overstretching on EMI to maintain financial stability.

Loan Tenure and Flexibility
A shorter tenure means higher EMIs but less interest paid.
A longer tenure means smaller EMIs but more interest paid.
Prepaying a loan early can reduce interest burden.
Choose a loan tenure that keeps EMI affordable but allows faster repayment.

Alternative Approach
Consider a smaller loan with a higher down payment.
Buy a house that meets your needs but reduces financial strain.
Invest the saved amount in higher-return assets.
Balancing homeownership and investment leads to better financial growth.

Family Financial Security
Ensure adequate health and life insurance before taking a loan.
A home loan is a long-term commitment.
Securing your family financially is more important than a bigger house.
A well-planned loan should not affect your financial security.

Renting vs Buying
Compare the cost of renting a similar house.
If rent is significantly lower than EMI, renting may be better for now.
Buying later with higher savings can reduce loan burden.
A wise decision considers both financial and lifestyle factors.

Finally
A Rs. 60 lakh loan is manageable but may reduce financial flexibility.
A smaller loan can help maintain balance between EMI, savings, and investments.
Ensure emergency funds, insurance, and future expenses are covered before taking a big loan.
Buying a house should not compromise wealth creation and financial security.
Making a practical decision will keep your finances strong in the long run.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

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Money
What's the difference between term and permanent life insurance?
Ans: Difference Between Term and Permanent Life Insurance
Life insurance is important for financial security. It helps protect loved ones in case of an untimely demise. There are two main types: Term Life Insurance and Permanent Life Insurance.

Both serve different purposes. Let’s analyse their features, benefits, and suitability.

Definition and Purpose
Term Life Insurance offers coverage for a fixed period. If the policyholder passes away within this period, the nominee gets the sum assured.
Permanent Life Insurance provides coverage for the entire lifetime. It also has an investment or savings component.
Cost and Affordability
Term insurance is much cheaper. It provides only pure life cover.
Permanent insurance is costly. It includes life cover and an investment component.
For those looking for maximum coverage at a lower cost, term insurance is better.

Premium Structure
Term insurance has fixed and affordable premiums. Premiums remain constant throughout the policy term.
Permanent insurance has high premiums. A part of it goes towards building cash value.
If the goal is cost efficiency, term insurance is the preferred choice.

Maturity Benefits
Term insurance has no maturity benefit. If the insured survives the term, there is no payout.
Permanent insurance builds cash value. This can be withdrawn or borrowed against.
Those looking for pure protection should opt for term insurance.

Investment Component
Term insurance does not have an investment feature. It is purely for protection.
Permanent insurance acts like an investment. It grows in value over time.
However, returns on permanent insurance are often lower than other investments.

Flexibility in Coverage
Term insurance allows coverage for a specific term, such as 10, 20, or 30 years.
Permanent insurance covers the insured for life.
For those wanting lifelong coverage, permanent insurance is an option.

Liquidity and Borrowing Facility
Term insurance has no cash value. It cannot be used for loans.
Permanent insurance builds cash value. This can be borrowed against if needed.
However, borrowing reduces the final payout to nominees.

Returns on Investment
Term insurance provides no returns. It only offers financial security.
Permanent insurance gives returns, but they are lower than mutual funds.
Instead of permanent insurance, investing in mutual funds can provide better growth.

Tax Benefits
Term insurance premiums qualify for tax deductions under Section 80C.
Permanent insurance also qualifies for 80C deductions. Additionally, the maturity amount is tax-free under Section 10(10D).
Both options offer tax benefits. However, term insurance is more cost-effective.

Who Should Choose Term Insurance?
Individuals looking for high coverage at a low premium.
Young professionals with dependents.
Those who prefer separate investment and insurance planning.
For most people, term insurance is the best choice.

Who Should Choose Permanent Insurance?
Individuals looking for lifelong coverage.
Those who need a cash-value component.
People who want a forced savings mechanism.
However, better investment options exist outside of permanent insurance.

Common Myths About Life Insurance
"Term insurance is a waste of money."
Reality: It provides financial security at an affordable cost.
"Permanent insurance gives better returns."
Reality: Mutual funds and other investments usually offer higher returns.
"Investing in insurance is smart."
Reality: Insurance should be for protection, not wealth creation.
Final Insights
Term insurance is affordable and effective for protection.
Permanent insurance is expensive and offers lower returns.
For financial growth, separate investment in mutual funds is better.
It is best to consult a Certified Financial Planner for personalised advice.
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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