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Anu

Anu Krishna  |1350 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 14, 2022

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
RS Question by RS on Dec 14, 2022Hindi
Relationship

Hello Anu,
I am under severe confusion and frustration. Wanted to consult with some psychiatrist but then I got to know about you.
I have an issue with my father.
I'm a 29 years old working man.
My family background was not good, my father was the sole bread earner in the family of 9 including my uncle and grandparents.
But my father invested in his children.
He gave us a good education.
He sent me for IIT coaching in Kota. I couldn't clear IIT but cleared AIEEE.
Today I'm earning a lot. I'm a software engineer with 7+ years of experience in IT in a big giant firm earning Rs 62 lakhs an annum. But the picture does not look like it is.
My father takes all my money.
Literally he does that.
He has been doing it for last 7 years, every single month.
He has taken my all salaries till now, 80+ months' salaries to be precise.
And his modus operandi is- he knows my monthly in hand salary after deductions, which is around 3.5 lakhs now.
He calls me around 25th of the month saying 'Don't use the salary. I need 4 lakhs this month. He asks me more than my salary, then says ‘okay you don't have this much, so give me as much as you can.’
Earlier when my salary was Rs 85,0000, he used to ask for Rs 1 lakh.
When salary became Rs 2.2 lakhs he used to ask Rs 2.5 lakhs.
I keep approx Rs 15-20,000 for myself and give the remaining to him.
Why do I give him all my money?
Because I have this feeling that whatever I am today, it's all because of him.
He went against all odds to educate us, otherwise I would have been a poor kid somewhere in my village doing farming.
The sad part is, he does not use this money for himself.
If he would have used it for his needs I would have been the happiest person. He gives loans to his relatives free of cost.
People come to my father and request that they need money for some XYZ reason. They say you have a lot of money, your son is earning so much, so please help us. My father says okay.
He calls me and says that he has given his word, now he can't step back and I will have to arrange the money. And this money never comes back.
Till now nobody has returned a single penny.
When I ask my father, he says ‘it's okay, you will earn more. They can take only your money, not your destiny.’
I'm not exaggerating but I don't have even a RO filter in my home. I spend Rs 1,500 on water.
I'm fed up with all this.
I had a discussion with my father regarding this many a times that I can't keep doing this.
He says What will you do with the money? Tell me the item you want, we will purchase it for you.
So far I have given more than Rs 1 crore. I'm such a fool.
I don't want to spoil my relationship with my father but at the same time I also want him to understand that I'm a human not a money-making machine.
The problem has started now, because now he is doing the same with my younger brother as well.
He recently started his job after college, and earns around Rs 55K.
My father takes 50K from him and has deliberately kept him with me so that we can save on rent and he can keep the money.
Till now when he was taking my money, I was not so much hurt.
But now when my brother is giving money, I can't bear it. He is a small kid who does a lot of hard work and even his money is taken away.
I cannot share this with anyone.
I keep asking myself if I'm a bad son who thinks like this about his father.
But I can see the reality which is very discouraging.
I'm not able to digest the fact that this is actually happening.
Please suggest what I should do.
Should I tell this to someone? But then the other person will think bad about my father which I don't want.
I'm lost. Please suggest me something.

Ans:

Dear RS,

If by now you haven’t figured out that you are being used for playing the role of a good son, then when is it going to dawn on you?

It feels unreal even if your father took all that money for himself without realizing that his son needs his hard-earned money to set up his life. But here, it’s going to relatives and everywhere.

And now, it’s the turn of your brother too.

There is really no need to set this example as an older brother to just bend over backwards for your father. Instead, change the role and let your brother do the same.

Take charge of your finances and share what you deem fit with your father that covers his expenses (assuming that he is retired).

This way, you will fulfil the duty of being a good son taking care of his father. Beyond this, save your money and invest it wisely and please spend on yourself.

What will you do when you marry?

You think your wife is going to support this flow transaction of money between you and your father?

And when she tries to reason out with you, either you or your father will blame her for being selfish. In fact, she will only be looking out for your wellbeing.

So, before this gets even more murkier, make a point by sitting your father down and asserting that you are taking charge of your finances and reassuring him that he will always be taken care of.

His need to please his relatives by giving away your money has to stopped.

This might be met with a lot of resistance from your father, but you know what is to be done. Else, this will grow even with your brother and get progressively worse. So, step in NOW.

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1350 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

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Relationship
Dear Khevna Shah I am in the business of my father's after his death with my uncle for the last 15 years and so and when my father died my age was 22 and I was a simple, shy and fear boy and was happy and i am doing the accounts job and i was not taking my salary on monthly basis or yearly basis means i want to say that i take 200 or 500 or sometimes 10000 to 20000 as per my requirement and sometimes i have to give it to my mom for her personal expenses. After two and half years, i was having problems with my uncle due to professional reasons and i was talking to him at that time and discussing all the problems and business related issues facing by me and he was listening but not responding to my problems during these years and after passing of two and half years i tried my best for talks, discussion but i was not getting any response from his end and after that period i stopped myself for any talks, discussion and sharing with him and I was prepared to left him and go elsewhere and do something new or do a job or start a new business on my own as we were are living in joint family and still we are in joint. Mam i did not left him and he provided me a new business and I became the proprietor of that new business and i didnot have any idea of that new business and when i engaged in that business i came to know that this business is all runs on liabilities for around three months to six months and depends on how you capture the market with low competitive rates and that time was new and i was not having any distributorship also and the business went on losses and i have beared losses for almost lakhs and lakhs of rupees. So, I closed the shop and again started doing account job in my father's business with my uncle as all the decisions related to business was taken by my uncle and same problem which i was facing in my early stage was repeated and the days were passing as it was passing previously. Now when corona came in the world, we were all lockdown in our homes and in that time we were all of our family members lockdown in our home. In that period we were all fighting with the corona that when will corona go and when we will go outside again and when will our normal life will start we were talking about our works of home should be divided. In that period all the works were divided and when lockdown was over and we were slowly slowly coming back to normal. Our joint family divided and now we are separate but our business is not separate and i am getting the salary fixed after our separation. Now the problem is that the salary fixed is not upto the mark and i am facing financial crisis at my end and our relation are so so and i am facing heated conversation with my wife related to money problems as i have to give her the money for household activities, personal expenses, my child school fees, admission fees and other activities related to school and i am very much exhausted with all the daily dose. So, therefore what will be my steps to go forward regarding the issues with my uncle and the problems which i am facing right now and have a peaceful time.
Ans: Dear Ashish,
Time and again you have been waiting for things to change in your favour. Your first sign was when your uncle's resistance at doing or thinking anything good for you.
Good nature of yours to trust him and still keep at it, but I guess now being in your 30s, should tell you that you need to make your life yourself and on your own terms.
Don't hang around thinking that the tides will change for you; instead change things the way you want by breaking free. Now. how you want to do it; is something that you need to discuss with your wife and decide. You have been far too dependent on this dream world that your uncle is going to make things happen and will be kind to you.
Be kind to yourself and now ask yourself:
- how can I revive my financial position on my own?
- what support do I need and from whom to achieve this?
- how can I keep myself motivated every day as I change things for the better?

The time has also come to have a clear chat with the person controlling the business. It gets messy when the family is divided and the business is still joint. Money troubles are never going to have clarity ever in this type of an arrangement. So, take matter into your own hands without fearing the outcome and think of only how you can have a better and peaceful life. The answer will be crystal clear to you.

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Relationship
Hi sir, I am 34 year women with 2 girl kids. I m working in IT and I earn good amount of livelihood. Sir I hv been married for 6 years and after 1 year of marriage me and my husband understanding issue started where he wants to dominate on me in all senses including financial stuff. But I was okay n in 1 year my 1st daughter born then serious issue started I had rejoined job n discontinued giving all my salary to him. I started savings for my kid where he was nt happy he indirectly demanded my complete salary to be given to him as I did before issue start. Bt in 2020 as lockdown happened he moved to his village where It was very difficult for me to work bt demanded to come to his place. I denied and concentrate my career. So he left us 2 years he did call n check how is kid. Then again he came back 2022 with elders we moved to together to city and again asked money as my sal was increased if nt asked me to barrow 50-60lac as loan n give to him for property which he agreed to make it my name in his place. Bt I denied bc I couldn't trust him meanwhile 2nd daughter born. I came for mother place n he started doing backstabbing abt me n my family within relatives. When I asked he stopped coming visiting me n my daughter and he turn up for 2 baby also it's been year now. Sir my question is ..I m fed up of his behaviour n I dont trust him. As I hv two kids is it really difficult to live without him in this society. As many of my relatives are suggesting go and call ur him how can you live alone with 2 daughter. Sir pls guide me what should I do now ..I tolerate him all these years for kids and society. Now I m done n scared as will I be able to handle all alone. My parents are big support and now I m nt in condition where I go legally against him. Is my decision of living by myself with my daughters and parents is correct or wrong decision or I should go with him.
Ans: Your situation is indeed complex and emotionally taxing. It's important to approach this with both clarity and compassion for yourself and your daughters. Here are some steps and considerations to help you navigate this:

Self-Reflection and Clarity
Acknowledge Your Feelings: It’s essential to recognize your feelings of frustration, fear, and exhaustion. These emotions are valid and need to be addressed.
Define Your Priorities: What are your primary concerns? Your children’s well-being, your financial independence, your personal peace, and safety are likely at the top of this list.
Evaluating Your Relationship
Assess Trust and Respect: Trust and mutual respect are fundamental to any relationship. If these are missing, it is challenging to maintain a healthy partnership.
Past Behaviors as Indicators: Look at the past behavior of your husband. Consistent demands for money, lack of support, and absence during critical times can be telling signs of his priorities and commitment.
Support System
Lean on Your Parents: Having your parents’ support is a significant advantage. They can provide emotional, physical, and perhaps even financial support as you navigate this period.
Professional Help: Consider seeking counseling or support groups for single mothers. These resources can provide guidance, emotional support, and practical advice.
Societal Pressure
Redefine Norms: Society often has rigid expectations, but your well-being and that of your children come first. Living according to societal norms at the cost of your mental peace and safety is not sustainable.
Role Models: Look for examples of other women who have successfully managed similar situations. Their stories can offer inspiration and practical advice.
Legal and Financial Considerations
Know Your Rights: Even if you’re not in a position to take legal action now, it’s essential to be informed about your rights regarding child support and alimony.
Financial Independence: Continue to safeguard your financial independence. This will provide security and stability for you and your daughters.
Decision Making
Short-Term vs. Long-Term: Think about both immediate needs and long-term goals. What decision will bring peace and stability now, and what will be beneficial in the future?
Children’s Well-Being: Consider the environment your children will grow up in. A peaceful, loving environment, even if it’s without their father, might be more beneficial than a toxic, conflict-ridden one.
Practical Steps
Document Everything: Keep records of communications and financial transactions. This documentation can be crucial if you decide to pursue legal action in the future.
Plan for Independence: Create a plan for your independent living situation, including budgeting, childcare, and career progression.
Final Thoughts
Choosing to live independently with your daughters is a courageous and often necessary step for many women in similar situations. Trust in your strength and the support of your parents. It’s important to remember that living a life of peace and dignity, even if it means being a single parent, is a powerful and positive example for your children.

You are not alone in this journey. Seek the support you need, trust your instincts, and prioritize your and your children’s well-being above all.

..Read more

Anu

Anu Krishna  |1350 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 06, 2024

Asked by Anonymous - Jul 20, 2024Hindi
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Relationship
Hi, I got married in December 2012. Love marriage, we met in the office. I clearly told him that if I get married I would need to give one years salary to my dad as he has loan installments to pay and also told him my dad would do good wedding arrangements however no dowry should be asked. When his parents came to see me for the first time they came all prepared to finalize the relationship however we weren't aware. Me and my parents thought they are just coming to see me and the family. But when they started off with basic rituals that is when we were stunned but then went along. His father asked dowry from my dad and he was speechless but when I denied my father spoke to them and said he will bear all their expenses too but won't be able to give dowry. When I confronted my husband he said he wasn't aware that his dad will ask for dowry. We got married and when we visited his hometown his father confessed that he was not aware that me and my husband had discussed no dowry part otherwise he would not have asked my father. I was infuriated but I let it go. Soon after an year my salary started coming in and he would tranfer it in his account. I did not pay attention to it. Soon all the money was in his control. There came a situation in my family, my sister's wedding was called off by groom's end three days before the wedding and it was a shock. My husband asked us to write a letter stating all about the situation so that it can be submitted to the police. My husband kept a copy of that letter with him. During the lockdown my father asked for some monetary help from me but my husband denied to help him, and I started hating him to my core. Soon my mother in law moved in with us when my father in law expired. Since then our relationship sucked. She would always manipulate his son. I got so furious I started putting sugar in my husband's milk as he is diabetic and then later confessed it to him. Now he is threatening me of releasing that letter to my sister's husband and also has kept all the money in his control. He says he will make me feel sorry for what I did and also we are just living in my home but we have no relation and he does not talk to me. I don't want this relationship to flourish anyways but I need to know what can I do if I can get half of the assets. Please suggest what I can do.
Ans: Dear Anonymous,
Since you have decided not to stay within the marriage, the best recourse would be to seek legal advice and move ahead. He/She will advice you on assets split, custody etc.

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

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Niharikka Budhwani  |4 Answers  |Ask -

Dietician, Lifestyle, Nutrition Expert - Answered on Dec 02, 2024

Asked by Anonymous - Dec 02, 2024Hindi
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Health
Hello, lot I have heard about decaf coffee, so please asking 2 question - What potential health benefits are associated with drinking decaf coffee, particularly regarding diabetes, heart health, and mental well-being? How does individual tolerance to caffeine influence the choice between regular and decaf coffee for maintaining overall health?
Ans: Hello,

Decaf coffee contains significantly lower caffeine compared to regular coffee. However decaf coffee retains antioxidants and certain bioactive compounds that are beneficial for health. For Diabete, both decaf and regular coffee have shown to improve glucose metabolism. However when it comes to heart health, decaf can be a better choice. Since caffeine is known to spike blood pressure. If you are sensitive to caffeine, which means you experience jitters, anxiety after consumption, then decaf is a gentle alternative.

The choice depends on the following:
Caffeine sensitivity: if you experience anxiety, palpitations, restlessness, sleep disturbances, etc. after consuming regular coffee. In such case, decaf can be a better alternative.

Specific conditions: high blood pressure, irregular heart beats (arrhythmia), insomnia, acidity, etc. then a decaf would be a better choice.

To conclude, both decaf and regular coffee offer health benefits but to choose wisely basis the points suggested above. Decaf coffee allows individuals to enjoy coffee’s antioxidant and disease-fighting properties with less risk of caffeine-related side effects.

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Radheshyam

Radheshyam Zanwar  |1079 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 02, 2024

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Career
Studied bsc nursing from govt. college of nursing. Feel stuck to take the next step.. Whether to do higher education or work. Currently work as an intern but on medical leave due to health issue
Ans: Hello Joshni
You’re at a crossroads between pursuing higher education or starting full-time work after completing BSc Nursing. Prioritize your health first, as it’s crucial for any next step. It is suggested to go with higher education like MSc Nursing, Healthcare Management etc. which has long-term career growth and better roles. But it requires time, money, and focus! At least you follow some simple tips: (1) Work part-time and study online or on weekends. (2) Look for employer-sponsored education programs. (3) Use this time to explore career interests, job roles, or courses. Remember that, you are capable, resilient, and destined for greatness.
Best of luck for your upcoming bright future.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

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Ravi Mittal  |446 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 02, 2024

Ravi

Ravi Mittal  |446 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 02, 2024

Asked by Anonymous - Nov 30, 2024Hindi
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Relationship
Since my College days, I had a Crush on a Classmate, who was the most Attractive & Vivacious Girl, in our College, Infamous as 'Drama Queen'. But she has a very Bad Track Record of Dating the 'Bad Boy' type Guys. She had gone through several Toxic Relationships with the 'Bad Guys' (including some of our Seniors) & everyone in our College used to gossip about her Notorious Relationships & she seemed to enjoy the attention which she used to get, even while she made a scene by Crying after every Break-up. I had always been a Conventional 'Good Boy' & hence, I'd been Friend-Zoned by her. I always used to support her Emotionally, after every Break-up, while indirectly expressing my Desire to get into a stable Relationship with her. But after recovering from every Break-up, she'd get into a Rebound Relationship with a similar 'Bad Guy' & I was confined to the Friend-zone. After College, we both have been working in the same Workplace & being her Colleague, I am aware of her Notorious Reputation at the Workplace. She got into many Casual Relationships, Hook-ups, One-Night-Stands etc with many Colleagues (including her Boss), while I continued being her 'Emotional Support Friend'. Now that she's grown Older & Wiser, she feels the need to get Married to a 'Decent Guy' & settle down to a Familial Life. She has been expressing interest in Marrying me, as she'd always known me to be a Decent Guy, a Reliable & Supportive Friend who's also Financially stable & she expects me to be an Understanding Partner, who knows all about her Past, yet wouldn't Judge her for it. I am emotionally connected with her, as I've known her inside out, but I am sceptical about getting Married to her. Whether I can Trust her to be a Loyal Wife, after Marriage? Should I give her the Benefit of Doubt? I am afraid that she might Cheat on me with another 'Bad Guy' & our Married Life might also become Toxic like her Relationships. Would it be Wrong on my part, if I gently decline her, Judging her, mainly on the basis of her Past?
Ans: Dear Anonymous,
First of all, I would need a little more detail about your relationship with your husband and why you are seeking romantic feelings outside your marriage to make any comments or suggestions. But, from a general perspective, I would recommend you focus on what's lacking in your marriage and fix it- maybe, see a marriage counselor. Plus, you mentioned having feelings for this colleague but never mentioned if he feels the same way. If not, why would you confess your feelings to him and create even the minimum chaos in his otherwise happy marriage? Again, from a general perspective, the entire thing sounds like a bad plan.

Hope this helps.

...Read more

Ramalingam

Ramalingam Kalirajan  |7192 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 02, 2024

Asked by Anonymous - Dec 02, 2024Hindi
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Money
Asset allocation for investment of 1 cr for 10 years?
Ans: Investing Rs 1 crore with a 10-year horizon demands careful planning. The objective should balance growth, stability, and tax efficiency. Below is a detailed approach to achieve financial goals effectively.

1. Understanding Investment Goals and Risk Appetite
Define clear goals: retirement, child's education, or wealth creation.
Assess your risk tolerance: low, moderate, or high.
Longer time horizons favour equity for higher returns.
2. Diversified Asset Allocation Strategy
Equity Allocation for Growth
Allocate 60-70% of your portfolio to equity mutual funds.
Choose actively managed funds for potential outperformance.
Equity funds can include large-cap, mid-cap, and multicap funds.
They offer high growth potential but require long-term commitment.
Debt Allocation for Stability
Allocate 20-30% of your portfolio to debt instruments.
Invest in debt mutual funds or bonds for consistent returns.
Debt instruments reduce portfolio volatility and offer liquidity.
Taxation for debt funds aligns with your income tax slab.
Gold for Hedge and Diversification
Allocate 5-10% to gold as a hedge against inflation.
Consider gold ETFs or sovereign gold bonds for better liquidity.
Avoid physical gold due to storage and purity concerns.
Liquid Funds for Emergencies
Keep 5-10% of the portfolio in liquid funds.
Liquid funds ensure quick access during financial emergencies.
They offer better returns than savings accounts and are tax-efficient.
3. Tax Efficiency in Investment Choices
Equity mutual funds taxed at 12.5% LTCG above Rs 1.25 lakh.
Debt funds taxed as per your income tax slab.
Plan withdrawals to optimise tax liabilities.
Actively managed funds can adapt to market changes better.
4. Insurance Policies and Existing Investments
If you hold LIC or ULIPs, consider their performance critically.
Traditional insurance policies may offer suboptimal returns.
Surrender poorly performing policies and reinvest in mutual funds.
Avoid mixing insurance with investment; focus on term insurance.
5. Benefits of Investing Through a Certified Financial Planner
Regular funds through a Mutual Fund Distributor (MFD) have multiple benefits.
MFDs provide ongoing guidance and expertise.
They assist in reviewing and rebalancing your portfolio.
Regular funds support your financial journey with holistic solutions.
6. Evaluating Risks and Returns
Understand market risks, especially in equity investments.
Debt investments carry reinvestment and credit risks.
Gold prices may fluctuate due to global market conditions.
Regular monitoring and adjustments can mitigate risks.
7. Avoid Common Investment Pitfalls
Avoid direct funds unless you have deep market knowledge.
Index funds limit potential returns in comparison to active funds.
Do not invest in instruments solely for tax benefits.
Avoid timing the market; stay disciplined for consistent growth.
8. Regular Monitoring and Portfolio Rebalancing
Review your portfolio semi-annually or annually.
Rebalance to maintain the original asset allocation.
Shift between asset classes based on market performance.
Adapt the strategy to meet changing financial goals.
9. Emergency and Liquidity Planning
Set aside 6-12 months of expenses in liquid investments.
Avoid locking all funds in long-term products.
Maintain liquidity to manage unexpected situations.
10. Benefits of a Structured Approach
Long-term growth with controlled risks.
Tax-efficient portfolio optimises returns.
Diversification safeguards against market fluctuations.
Clear goal-setting ensures alignment with financial aspirations.
11. Insights on Wealth Creation Mindset
Stay patient and focus on long-term compounding.
Stick to your plan during market ups and downs.
Avoid emotional decisions and focus on data-driven strategies.
Consistent investments will help build significant wealth.
Finally
Investing Rs 1 crore over 10 years can transform your financial future. An optimal mix of equity, debt, and gold will achieve growth and stability. Regular monitoring, rebalancing, and tax planning will enhance results. Consult a Certified Financial Planner for tailored guidance. Your disciplined efforts today will secure financial freedom tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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