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52-Year-Old Woman Feeling Guilty and Unfulfilled: How Do I Find Joy and Move On?

Anu

Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 05, 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
Asked by Anonymous - Jan 26, 2025Hindi
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Relationship

Hello. I am a 52 year old woman who is neither divorced not single. I am independent financially. My husband is 14 yrs my senior, has become a social worker volunteer. He lives separately, visits me from time to time. My son lives outside the state, visits from time to time. Despite being independent, something is holding me back to enjoy my life to the fullest. I feel guilty, sometimes rejected and unloved. I never seem to do things that are in my bucket list. How do I manage accept things and move on? I am an introvert.

Ans: Dear Anonymous,
Go, travel, see the world! You have that luxury with no one back home to stop you...explore the world and you will find yourself...

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  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Dear Anu,I am 41 years old doing my own business since 14 years. I live with my parents and i am married. Blessed with two children. I am the sole bread winner. They all luv me very much. These days (year 2020) I feel stressed and lonely, bcos of financial problem in running my house and fulfilling my EMI and other loan commitments. My family knows my financial adjustments and commitments. I feel myself like a machine working non-stop to keep my family happy and fullfil their desires. I don’t feel happy going home after my work for the day. I feel like I don’t understand them or they don't understand me. I know they luv me so much and me too. I feel let down but actually they support me in all the way they can. What should I do?
Ans: Dear AK, sadly, most of our lives are lived doing things for others.

Initially seeing the happiness on the faces of our loved ones makes us believe that what we are doing is the right thing.

But if you work or so anything in life without taking into consideration your feelings or your what you value for yourself, it will slowly start to seep into your core and you either end up feeling stressed or anxious.

I do understand that your situation is one of financial challenges, you mist work and why not work and at least set sometime for yourself over the weekend to rejuvenate yourself?

This time is non-negotiable and it is to refresh yourself so you can go back on Monday with a newness.

Also, instead of working like a machine, why not think that you are working efficiently to slowly pay off EMIs and to be free of them.

Bring some harmony between work and life which is what I can offer as a suggestion to you.

Be happy and work not out of compulsion but passion!

..Read more

Anu

Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2022

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Relationship
 Hi Anu, I am a 38 YO woman. Personal issues - None. A loving and doting husband and a 4 yo lovely daughter comprises my immediate family. Relations with parents and in-laws are also smooth.Professional issues - Too many. I never imagined myself to be where I currently am. I have never had a stable career nor a very good salary. I have had a good education but have not been able to make a professional mark for myself. I was ambitious and confident but now feel that everything is too overwhelming for me to achieve. I had dreams but probably never the conviction. For a long time I kept blaming the family for ruining my career but somewhere deep within I know that I responsible for whatever has happened in my life. Today when I decide to do only what I wish to do or pursue, I find myself at a loss on account of lack of confidence to achieve it. Others around me seem to be more confident of my abilities and intelligence than me. I also feel that it is too late now and instead of myself, I should focus on making my daughter's life but somewhere I am still unsettled. I want to have a good, stable and a well earning career, even if it is for the next 10 or 15 years of my life. I have no personal complaints but professionally, I do not want to die without having the satisfaction of having lived a good professional life as well. It matters a lot to me, not for anyone's sake but my own.I am working right now but that is not my future. I have been able to manage jobs at different points of time in different industries but never a career. I haven't lost hope but I simply know that my life isn't right.
Ans:

Dear SS,

Firstly, ask yourself:

1. What will a job/career bring to me?

2. What is it that I feel a lack of when I am devoted into my personal life?

3. Am I trying to search for an identity through a career?

These questions will give you a clear picture of what is going on in your mind.

Most often, we crave something and declare the path but don’t realize that we are actually embarking on the wrong journey; it’s also possible what we are searching for already exists with us, but we are not able to see it or feel it.

For example: If you are searching for your identity that already is with you and you have told yourself that only a job/career could give that to you, it may so happen that every job that you are in will stress you to create an identity which you already have. You are on the cusp of changes as your children are growing…

Sit down with a pen and paper and clearly outline what you want to create in your life and WHY!

When this is clear, you will be able to take the first confident step and you will do it for yourself and not prove anything to anyone. It becomes only about your space and how you can make it beautiful.

2022 brings in a lot of hope for everyone and you as well. Chin up and plunge into a confident self and get ahead. All the best!

..Read more

Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Jun 20, 2024

Asked by Anonymous - Jun 17, 2024Hindi
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Career
I am 35 years old woman. I am shy and introvert. I don't know if I earlier was the same. I have done my masters in English literature with just 47 percent marks. That led me to do another masters in public administration where I secured 55 percent marks. After several attempts I was able to qualify for UGC NET exam. Earlier also I have given multiple govt. exams, cleared prelims round but was unable to go to the final cut. I have done my graduation in Journalism in 2010.I joined as a content writer for a company but a coworker dominated me and I left the jib in just one week. I feel that I have no skills. I am afraid to talk ti anyone. I have fear of interviews. How to deal with that? How to get a job, how can I be financially independent? I feel so left out, all ny friends have reached superior positions and here I am stuck.
Ans: Madam, Apologize for late reply. You have NOT mentioned, since 2010 till date, what you had been doing & about family background? Did you work any where or were doing any part-time jobs? Anyway, please note, (1) 'Office Politics' is everywhere, even in Top-Corporate-MNC Companies also. How to handle 'Office Politics' depends upon (a) how you perceive others and others perceive you (b) your skills and knowledge (c) your self-confidence (d) office hierarchy / organizational flow (d) your relationship with peers / superiors, related to your job profile (2) Have self-confidence / self-esteem over you and avoid comparing yourself with your friends (3) Now think over which all fields you are interested in. (4) As age is a major factor & keeping in view your educational qualifications / attempts in Govt Exams, you can opt for 'Teaching' at home for the school-children around your home for the subjects you are confident such as English, Social Science & Language. (5) Try this to keep yourself engaged with school children and to get a mental relief from your (some assumed) psychological problems. (6) There is always a demand for Home Tutors. Charge reasonable fees and have patience to become popular in your locality (7) You have to come out of your 'Introvert' personality and talk to your reliable and affectionate friends / relatives. This will further reduce your psychological problem (8) You can even apply to schools for 'Teaching Positions' even if the salary is low initially for the subjects like English, Social Science, depending upon the Grade. If you have any other question(s) related to your career / options, please ask me here in RediffGURU. All The BEST Madam. God Bless You.

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Ramalingam

Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Money
I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Dr Dipankar

Dr Dipankar Dutta  |963 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Career
Greetings to Gurus, I am student from Kolkata,West Bengal. I have completed my ISC in year 2020 from Commerce stream without maths. I am from Lower Middle Class Family, finance is big issue for me. After ISC I enrolled in B.COM(Hons) course from a college under Calcutta University. I was ambitious of being Chef from childhood. But during Covid times and finance problem, I haven't pursued. During my college life, My first three semesters completed online in Covid period, after the lockdown period, my fourth semester got offline and I just passed in one paper out of 4 and then my 5th semester exam got cleared after that I appeared for rest 3 papers of sem 4 and cleared 2 papers and in sixth semester cleared 3 paper out of 4. Again in 2024, I appeared for 6th sem 1 backlog paper and cleared it but don't able to clear 4th sem one backlog paper. So, I have started my UG in year 2020 but not able to clear it till 2024 because of 1 paper(Taxation) and I have last option to reappear in 2025 examination. I want to earn good in my life, suggest me some opportunities and a way to get out from this loop. Mentally getting depress also.
Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.

...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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