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Anu

Anu Krishna  |1796 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 12, 2025

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
Prasad Question by Prasad on Apr 28, 2025
Relationship

I am happy with my current life i got a job everything is going well but the thing is my mom don't understand that i need time for my self after slogging myself at work i relax myself by watching web series reading a book or going out for walk she follows bageshwar dham baba and expects me to do the same which i don't like i am not that religious i do have Faith in god but she is just to much what can i do plz help?

Ans: Dear Prasad,
Moms will be Moms after all! Instead of being annoyed at her insistence on you following a particular Guru, why don't the two of you get a feeler of each others' lives? She has no clue how her next generation is living and you obviously can't fathom hers. Make her a part of you little outings when you can just for her to get a feel that you are taking a break from work by doing the things that I do. On your part, why don't you hear from her on what she has learned from her Guru...this will satisfy her that she may not insist on what you must and must not do...

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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Hi ma'am , i am a 22 year old girl who is financial independent now . I am very grateful to my parents for everything they did for me but i feel like my mom hasn't let me be the person i want to be . For instance , my mom would pick my clothes for the longest , she would most often not allow me to pick a dress of my choice . Not just this she wouldn't allow me to go out with my friends to a mall (even if it involved the entire class) or a restaurant or have sleepover (with only my group 5/6 girl friends). So much so that they all stopped inviting me back then and still don't invite me . I still let all of this slide . After finishing 10th standard , i wanted to become a doctor and took up NEET coaching . Now again my mom didn't want me to become doctor simply because i would have to study for 10+ years and she wouldn't be able to find a suitable husband for me . I was in the top 5 students in my class and was consistently securing 500 .. 550 out of 720 in the NEET exams . I felt extremely heartbroken because she would continuously fight with me every morning until i dropped the interest in medicine. I am an engineer now and have a nice job but i still feel bad because this wasn't really my choice . I often feel self-doubt now in making my decisions because of how my mom has treated me . Just before my 12th standard exams , a boy on my mom's side was of marriage age , this guys is 10 years older than . even though this guy had a great family and is himself a good guy , it doesn't mean my mom wishes for me to marry him , more so since i am a good student who wanted to study . Luckily neither his parents nor mine initiated any discussions about our marriage . I have always felt like my life is not my own and even now i often have self doubt when i have to make a serious decision for myself . i now have boyfriend who i really want to marry .Both he and his parents like me very much and approve of my marriage . He is 6 years older than me , but i don't see that as a problem because we really get along really well and even my parents have an age gap of 6 years. However my mother doesn't understand this , she was okay with getting me married to a guy 10 years older than because it was an arranged marriage apparently and the same for her own marriage ! All of thing frustrates beyond no measure . She gave us time till the end of the year , so that he can get a better job , but she still keeps talking to me about marriage with other people . Imagining marriage with anybody other than my boyfriend makes me sad . I don't want to let go of my parents and neither my boyfriend because i really don't want to hurt my parents , i also have a younger sister so i don't want to ruin her life either . But i really don't think that choosing whatever will make them happy is right for me , especially since i have been doing that for 22 years already. I already explained to my dad about evrything that makes me sad but my mother doesn't seem to understand any of this . Recently this inicident took place , my laughed about how i cried when a group of friends came to invite me to the mall , she literally fought with them and sent them away while i stayed back at home and cried . This incident was embarrassing for me back then and still makes me sad . My mom hasn't treated me with respect at all , she thinks i should do whatever she says simply because she's my mom . Even though my mom said she'll give me and my boyfriend time , she didn't stick to her words , she didn't ask me for his number but instead thought she would get it from a proffesor in my egineering college . She started ranting to the professor about me loving boyfriend etc etc . This incident again was extremely embarrassing for me . I really don't know what to do . Sometimes i just feel like choosing to die is the simplest way out . please help me ma'am . what is the right thing to do for a girl living in india who is in this situation ?
Ans: Dear Anonymous,
Time to take charge of your life?
Just do it...even a child who is learning to walk must get down from the arms of his/her mother, start walking, fall and then get up again...
The need for independence is something that is ingrained into us from an early age and it is healthy for the caregiver and the child. Your mother missed understanding this and somehow felt that taking control of you will mean care and this has led to expectations from you in return.
And the way to begin to take charge is not rebel and get into a marriage however relieving that may seem; start by taking small decisions. Allow yourself to fail and then try again...
This will give you an added confidence when you are able to decide things on your own and for yourself and it becomes your responsibility. Move on from what has happened to what can happen NOW; this will enable you not let the past stick on...
Once you are back on your feet, that's the time to be firm about your marriage; so be patient with it...Rushing into a relationship now could only mean that you are escaping from the current situation and what is likely to happen is that you will allow yourself to be controlled there as well as that is the only behavior that you have grown up with.
So, become your own person first and then slowly start to explore relationships further...

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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Hello madam , my mother is too much obsessed with kid from me and my wife it's been 6 months of our marriage, she always compares with my siblings, but my situation is different but she is not understanding, I have already told her that I will let you know when we will plan please don't force but she is not understanding, now this month my wife got periods she went so upset and started blaming my wife that you must be taking some pills, we will go to doctor for checkup , Madam please advise how to handle her I am fully tired of her I don't know what to do I am not able to focus on my work
Ans: What’s really crucial here is that you and your wife stay united in how you handle this pressure. It’s essential that your wife knows you are fully supportive of her, and that you both are on the same page regarding your family planning decisions. If she feels that you’re standing by her side, it can help alleviate some of the stress she’s likely feeling from your mother’s constant comments and expectations.

When it comes to your mother, it may be time to have a firmer, more honest conversation. Instead of just telling her that you’ll let her know when you’re ready to plan, it might be helpful to share a bit more about how this pressure is affecting you and your wife. Explain to her that while you appreciate her desire to become a grandmother, her constant focus on this is creating unnecessary stress and is damaging to your mental health and your relationship. You may need to set some boundaries that are more definitive, letting her know that these kinds of conversations will no longer be welcome because they’re causing more harm than good.

It’s also important to stay calm and composed during these conversations. Your mother may not respond well at first, but if you remain consistent and clear about your boundaries, over time she might start to understand that you and your wife need space to make decisions on your own terms.

I know it can feel exhausting, especially when you’ve already tried to address this issue, but sometimes it takes repeated, calm, and firm conversations for boundaries to be truly respected. Your focus right now should be on protecting your marriage and your mental well-being, even if that means temporarily distancing yourself emotionally from your mother’s expectations. If things get too overwhelming, seeking professional guidance, either individually or as a couple, can also help you navigate the emotional complexities of family dynamics while keeping your relationship strong.

At the end of the day, your life, your marriage, and your future plans are yours to decide, and it’s okay to prioritize what’s best for you and your wife, even if it means disappointing others in the short term.

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Anu Krishna  |1796 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 07, 2025Hindi
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I am 27 years old normal middle class girl , I have a family of 5 including my parents and one sister and brother. I am a software engineer earning 1 lakh. My mother is very happy and proud of me , but at the same time she has burdened me with over expectations . She asked me to renovate our old house , to which i happily agreed . But she kept asking for more. Because of her bad marriage she asked me not to marry , but i already have a boyfriend . I doubt that now more than the fear of marrying wrong person she is more afraid of the money which will be gone out of the house, if i marry someone. Because she never forbid marriage to my sister and brother , in fact she keeps planning for their marriage . i thought i will handle these problems later, by telling her that how nice my boyfriend is. Now the worst part is , she even asked me to buy flat for my brother , after i am done rennovating our house . I denied, which left her confused . But she never pushes my brother towards study and these days even my brother has become careless . She still thinks that my money is our family money forever, because I should never marry . I had several fights with her because I kept nagging her to ask my brother to study . Actually she thinks that I am brilliant and I should do everything for my brother, and my brother is not that intelligent like me . My mom is failed to understand that my brother is a lazy guy who doesn't want to study . She is not focused in overall growth of our family where everyone work hard, she is just happy that I started earning and it doesn't matter much that any other family member is earning or not . All these things are burdening me .
Ans: Dear Anonymous,
You have officially become the ATM for your family. Move out of home...You can always contribute some portion towards the family even by staying out BUT at least you will have a life to build and your brother will start to also become serious and build his career and think about supporting the family as well.
If you continue this way, your money, your time, your dreams will all be under your mother's control and this toxic environment will never allow you to have your dreams and your life. So act NOW!

All the best!
Anu Krishna
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ramalingam

Ramalingam Kalirajan  |11161 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2026

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I am 61 self Disciplined minimalist. I am now in SWP segment. 4% SWP and step up SWP are all okay and understandable but much worried on flip side which am often not thinking much. Considering next 30 years block 1. Inflation may also shoot up from 6% to 15% 2. Normally market crash once in 10 years assuming 30% crash 3. Recovery phase may take slow say 5 to 7 years 4. War natural calamities etc influence market once in 7 year 5.expected return may hit bottom from 10% With all this sequential risk, the worry is will my corpus empty earlier should I be with half starving and my SWP is good only in paper or any corrections needs to be done? Because when age grows, expenses can't be reduced, only rebalance the ratio from travel to utility like that So please guide me will my SWP corpus empty earlier, and should I do now as preparedness
Ans: Your concern is very valid and very mature. Most people focus only on returns, but you are thinking about risks like inflation, crashes, and long recovery. This is exactly what protects a retirement plan.

» The Real Risk – Sequence of Returns
Your worry is not wrong.

If market falls early in retirement and you keep withdrawing
Then recovery is slow
Corpus can reduce faster than expected

This is called sequence risk
And yes, this can impact SWP sustainability

But this can be managed with structure, not by stopping SWP

» Inflation Risk – Bigger Than Market Risk

If inflation moves from 6% to even 10–12%, pressure increases
Expenses rise continuously, but corpus may not match

Reality:

Inflation risk is permanent
Market crash is temporary

So your plan must protect against inflation first

» Is 4% SWP Safe?

4% is generally considered reasonable
But not “guaranteed safe” in all conditions

In your scenario (high inflation + poor returns):

4% may become slightly aggressive

Better approach:

Keep flexibility between 3.5% to 4%
Reduce withdrawal slightly during bad market years

» Biggest Protection – Bucket Strategy
This is the most important correction

Divide your corpus into 3 buckets:

Bucket 1 (0–5 years expenses)
Keep in safe instruments (liquid / low risk)
This funds your SWP
Bucket 2 (5–10 years)
Hybrid or balanced funds
Bucket 3 (10+ years)
Equity funds for growth

How this helps:

During crash, you do not touch equity
You spend from Bucket 1
Equity gets time to recover

This directly reduces sequence risk

» Dynamic SWP – Very Important Adjustment
Instead of fixed thinking:

In good years → continue or increase SWP
In bad years → pause increase or reduce slightly

Even a small 5–10% temporary cut:

Greatly increases corpus life

This is practical, not theoretical

» Rebalancing Discipline

Once a year, review allocation
When equity grows → shift some to safe bucket
This “locks gains”

This creates a natural buffer for future crashes

» Extreme Scenario Planning (Your Concern)
You mentioned:

30% crash
5–7 year recovery
High inflation

In such case:

Bucket 1 should cover at least 5–7 years expenses
This is your survival shield

If this is in place:

You will not be forced to sell at loss
Corpus will not empty early

» Expense Behaviour – Practical Reality
You are right:

Expenses don’t reduce easily with age
They only shift (travel → medical, lifestyle → essentials)

So plan should:

Keep medical buffer separately
Not depend on cutting expenses

» Mental Model Shift
Do not think:
“Will my corpus finish?”

Think:
“How do I protect withdrawals during bad phases?”

Because:

Markets recover
But wrong withdrawals during crash cause damage

» Final Adjustments You Should Do Now

Maintain 5–7 years expenses in safe bucket
Keep equity allocation for long-term growth
Use flexible SWP (not rigid)
Rebalance yearly
Be ready to reduce withdrawal slightly in extreme conditions

» Finally

Your fear is not overthinking, it is intelligent thinking
SWP does not fail because of market alone
It fails due to poor withdrawal strategy during bad years

If you structure your buckets and keep flexibility, your corpus can comfortably last 30 years and more without “half starving” situations.

You are already ahead because you are asking the right question at the right time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...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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