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Divorced and Feeling Abandoned: Will My Daughters Ever Come Back?

Dr Ashish

Dr Ashish Sehgal  |120 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
p Question by p on May 13, 2024Hindi
Relationship

Hello Doctor, I am 62 Divorced. My daughters 34 and 29 both have abandoned me cos my ex-wife. I have given them the best child hood, US education and properties ( all my savings of my entire tenure). It looks they are no more interested in me after I gave them. As a senior citizen when I filed at the tribunal to get back what I have gifted ( this is just a fraction of what I have given) , my daughters are filing a police complaint saying I am a dangerous man. Do you think daughters will realize their mistakes and will they come back to me? My ex is a criminal and she had multiple men in her life when we were not together. In spite of it I gave her everything. Anyway I don't expect anything from my ex-wife but I am concerned about my daughters. Apparently I also learn in spite of all those expensive education they are still unable to fins a respectable place in society as an independent human to sustain. It is a pity people call daughters as angels but for me they are the devils.

Ans: Dear Sir,

First of all, I recognize how deeply hurt and betrayed you feel. The pain of strained relationships with one’s children, especially when you’ve invested so much love, effort, and resources in their upbringing, can be overwhelming. Your feelings are valid, and it’s essential to acknowledge them without judgment.

Understanding the Situation
Family conflicts often stem from layers of miscommunication, unspoken expectations, and past grievances. It seems your daughters’ actions have left you feeling not only abandoned but also disrespected. However, calling them "devils" might block any chance of understanding or reconciliation. Relationships, even the strained ones, can sometimes find a way to heal, but it requires introspection, patience, and a different approach.

Addressing Your Questions
Will your daughters realize their mistakes and come back to you?
While it’s impossible to predict others' actions, relationships can shift when emotions settle and communication improves. Right now, it seems both you and your daughters are acting out of pain, anger, and perhaps a sense of betrayal. It may take time, and possibly external help, for them to reconsider their stance. The key is to remain open to reconciliation while maintaining your dignity.

Why would they act this way despite all you’ve done for them?
Sometimes, the dynamics of parent-child relationships aren’t purely transactional. Children may not fully grasp or appreciate the sacrifices made by their parents, especially if they perceive emotional or relational conflicts as outweighing financial support. Additionally, your daughters may have been influenced by your history with their mother, shaping their perspective in ways that feel unfair to you.

How can you approach this situation differently?
Right now, the focus is on legal actions, complaints, and blame. While these steps may feel necessary to protect your rights, they can also deepen the emotional divide. Here’s a different way to approach it:

Reflect on Past Dynamics: Without judgment, consider whether there were patterns of communication or behavior in the past that may have contributed to this distance. This isn’t about blame but about gaining insight.
Extend an Olive Branch: Instead of expecting an apology, consider writing them a heartfelt letter. Focus on your feelings rather than accusations. For example, “I feel hurt and abandoned, but I miss the relationship we once had. I want us to find a way to reconnect.” This keeps the door open without escalating the conflict.
Seek Mediation: If direct communication fails, involving a neutral third party, such as a counselor or mediator, can help facilitate dialogue in a safe space.
What about your legal actions?
Protecting your rights, especially as a senior citizen, is important. However, consider how this legal route might affect the emotional dynamics further. If there’s room to negotiate or find a middle ground, explore those options with an open heart and legal guidance.

Rebuilding Yourself
While you focus on mending relationships, it’s equally important to rebuild your inner strength and find peace within yourself:

Invest in Yourself: Engage in activities, hobbies, or social circles that bring you joy and a sense of purpose. This will help you focus less on what’s missing and more on what you can create.
Detach with Compassion: It’s okay to step back emotionally for your own well-being while keeping the door open for reconciliation.
Seek Support: Sharing your thoughts and feelings with a trusted confidant, counselor, or support group can provide new perspectives and emotional relief.
A Gentle Reminder
Your daughters, like all humans, are complex. Their actions may be influenced by pain, misunderstandings, or pressures you may not fully see. While you cannot control their behavior, you can control your response. Approach this journey with patience, dignity, and the hope for better days ahead.

I’m here if you wish to delve deeper into this or need guidance on taking these steps.

Warm regards,
Ashish Sehgal

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Relationships Expert, Mind Coach - Answered on Mar 23, 2023

Asked by Anonymous - Mar 19, 2023Hindi
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Madam, I am 61 years old , retired from Govt service an year ago. I have a problem in my family. Though my wife is a post graduate, she refused to take up any Job and wants all others including her in laws to give her money eternally. Misbehaved with my parents & sent them out of our house for their supposed conservative style and refused to allow my sisters family on a visit and quarreled with me on this ground time & again. She quarrels with me on silly issues loudly infront of kids. She reflects her mother`s attitude in dealing with my parents & relatives. Later She re-started her love affair with her ex lover . Fed up with quarrels at home and keep her away from unwarranted affairs, I decided to go abroad and took her also with me with our 2 daughters. There again, she started another illicit affair with my classmate cum colleague (whom i knew for 2 decades and i treated like a brother and was already married with kids). After 18 months of secret affair , behind me, they finally disclosed and wanted to elope leaving their families behind. Stunned by their ghastly betrayal , I sent my family back to India and also reported the matter to boss, who repatriated that Traitor back. I had to forgive my wife for sake of my Daughters who were aged 12 yrs and 9 yrs then. I am unable to come to terms with their ghastly actions though 2 decades have since passed. We sleep in separate rooms and I have no physical relation with her, ever since as our marriage is over for all purposes. I believe that mutual Trust & respect are the foundations of any marriage. Both are lost in our case. Now my daughters aged 31, 29 are Post graduates but are sitting idle at home wasting time in TV and refuse to do any job as their mother keeps telling them why should women work ?. They refuse to receive any external counselling nor willing to get married nor take up a job nor pursue any studies. They are financially dependent on me. I am now retired and live on Govt Pension. They refuse to understand the reality around them. They have no friend either in Relatives or in their college circles. What to do with their Intransigence? .
Ans: Dear Anonymous,
At 61, you look back and reflect; what choices have you made that has led you to be where you are right now?
Have those choices robbed you of your peace of mind and a better life?
If Yes, it still isn't late to rework and revisit those choices and make better ones.

But for that, this obsession with their ghastly affair must end. The more you are focused on the past, it becomes difficult to create anything beautiful for today and tomorrow. Yes, you felt hurt and were in pain, but to continue to feel the pain is a choice and that is only going to make you more bitter. Consider what is happening with your marriage; you might have to accept that this is the way it will be. If you are not happy with this, then think of what you want to do about it.

It's a good thing that you have begun to focus on your children. They seem to be in need of focus and direction. Since they are adults, it's time you gave them an ultimatum to find a job and move out of home. It sounds cruel, but at times, as a parent you need to do the right thing for your children. So, act NOW and without hesitation.
As for you, as you decide what you want to do with your marriage, involve yourself in social circles and hobbies, travel etc. It will give you a distraction and also a way to calm your mind to take decisions.

All the best!

..Read more

Anu

Anu Krishna  |1449 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 12, 2024

Asked by Anonymous - Jan 07, 2024Hindi
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Hi I AM 43 years old business man my love marriage happened in 2010 against parents I got two kids 11years my wife short tempered i supported financially her 11 years for her carrier spent lot of money even in my busy life now she got job gulf lost ten years she took money but she never allowed my kids to meet me she lives in Kerala my business in Telangana I did my best for her last two year's she not allowed me call my kids i tried Kerala court trails take twos years still no progress now my parents forcing for another marriage I miss my kids if I marry again my kids won't come in my life is my biggest fear i willing wait for there 18 years age so I can meet my kids legally but parents saying after 18 years kids won't change within a day for u past is past u marry another why r your wasting your life my mind not thinking second marriage but pressure on me from parents 10 years waited for kids she left me simple reason I am work addicted n father s lovely kid my parents age 70s she never bothered about my parents but I spent lot money for her family too her intentions are simple if I stop kids I will leave them in old-age but I can't left my parents unable to make decisions due to personal reasons my business also not much improving when I go to out side if I see kids roaming with parents I feel my kids absence money not matters. Iam missing my kids life Indian courts eating my money. Next next next time. Madam this is my life how to overcome this problem
Ans: Dear Anonymous,
When it comes to legal matters, it's only what the lawyers say that can help you...
But when it comes to dealing with your mind on all of this, it's hugely possible that you are left feeling hopeless and disappointed. Running around courts can be mentally exhausting and to not be able to meet your children is really sad. If you can take a break from work or work out of Kerala for a short time engaging lawyers in Kerala to fight your case, it is possible that you might be able to meet your children through some legal intervention as well. Waste no time and engage a good lawyer soon and NEVER LOSE HOPE! If you want to see your children and be a part of their lives, this is a clear ASK from your lawyer to fight your case...

All the best!

..Read more

Anu

Anu Krishna  |1449 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Listen
Relationship
Hello Ms Anu, I am 62 Divorced. My daughters 34 and 29 both have abandoned me cos my ex-wife. I have given them the best child hood, US education and properties ( all my savings of my entire tenure). It looks they are no more interested in me after I gave them. As a senior citizen when I filed at the tribunal to get back what I have gifted ( this is just a fraction of what I have given) , my daughters are filing a police complaint saying I am a dangerous man. Do you think daughters will realize their mistakes and will they come back to me? My ex is a criminal and she had multiple men in her life when we were not together. In spite of it I gave her everything. Anyway I don't expect anything from my ex-wife but I am concerned about my daughters. Apparently I also learn in spite of all those expensive education they are still unable to fins a respectable place in society as an independent human to sustain. It is a pity people call daughters as angels but for me they are the devils.
Ans: Dear P,
This is unfortunate that you have had to go through so much...
But how will you earn their love back with all that bitterness in your heart? I agree that it has hurt you a lot, but to put relationships back together, the first step is to soften down which means FORGIVENESS; very difficult BUT that's the only way for the ego to melt and anything positive to happen.
Are you willing to be the bigger person here and actually forgive your daughters and extend the hand of mending relationships? Think about it...
If they still exist as devils in your mind, nothing good will come out of it...but if you think of them as your daughters, a lot can change...But even after you make that effort, they are unwilling to change, then they are unfortunate...Let Go...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: https://www.facebook.com/anukrish07/ AND https://www.linkedin.com/in/anukrishna-joyofserving/

..Read more

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Nitin

Nitin Narkhede  |56 Answers  |Ask -

MF, PF Expert - Answered on Jan 21, 2025

Asked by Anonymous - Dec 01, 2024Hindi
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We two brothers have inherited a property on 200 sq yard by registered will of our father in 2020. The property was purchased by our father in 1970 and redeveloped in 1990 into three story building. Ground floor is with my brother and first floor. Third floor without roof rights was sold by our father at the time of redevelopment . Me and my brother have terrace rights as per registered will of our father ( each has 50% roof/ terrace rights). My brother is US citizen and want to sell his share for four crores. The expected rental income from the ground floor will be Rupees 60 thousand per month. The circle rate of the property is Rupees 7 lakh per yard. My interest in the ground floor of the property is mainly to live peacefully without any interference by unknown new buyer. I am 65 and my question is from financial point should I purchase from my brother by paying Rs. 4 crore or keep the amount in bank as fixed deposit/ RBI bonds at around 8 percent per year. Second question is if he sell it to other buyer how he will sell terrace as the terrace is undivided and we both have inherited it by registered will. Thirdly there are many builders who want to redevelop the property into four floor with basement and stilt parking. What will be the right option . I have only son .
Ans: Dear Friend,
If you’re considering whether to purchase your brother’s share of the inherited property for ?4 crore, weigh peace of mind against financial returns. Buying his share gives you full control, eliminates potential disputes with a third-party buyer, and ensures no interference in your peaceful living. However, the rental yield of ?60,000/month (~1.8% annual return) is significantly lower than the ~8% return you could get by investing ?4 crore in fixed deposits or bonds, which would generate ~?2.67 lakh/month.

Regarding the terrace, your brother cannot sell his 50% share independently since it is undivided and jointly inherited. Any sale requires your consent, limiting his ability to transfer full terrace rights to a new buyer.

Redevelopment of the property is an excellent option, offering increased value and rental income. Builders are likely to provide additional floors or cash components in exchange for development rights, enhancing long-term financial benefits and ensuring modern amenities.

If your priorities are peace of mind and control over the property, purchase your brother’s share. Otherwise, invest in safer financial instruments and consider redevelopment to maximise the property’s potential. Consult a lawyer and financial advisor to ensure the best decision. Your Financial adviser can deeply evaluate all your assets and liabilities and provide a solution which will give you more leverage.
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Myself and my sister as joint owner of a property enteredvinto joint development agreementvwith a builder for construction of 8 flats in 4800 sq. Ft land. 2400 sq. Ft was retained for us with 4 flats constructed by builder to be given free of cost and 2400 sq. Ft UDS sold to builder thro PGPA for him to sell 4 flats. After selling 3 flats with 1800 sq. ft UDS by builder, we cancelled GPA and registered with SRO for retaing 600 Sq. ft UDS for our use with the consent agreeing to pay compensation for this cancel of GPA. Now I want clarification as to the ownership of the above said cancelled UDS of 600 Sq. ft as Joint owner or myself as per Joint developement agreement with a rider that myself will take possessionof 600 UDS by cancelling GPA later with builder and paying compensation st the mutually ahreed price. Builder says that myself is the owner for the cancelled 600 Sq. ft retained. I want to know whether I hv to register settlement deed for partingvwith 600 Sq. ft UDS by my sister or the statement of builder as myself will be the owner for 600 UDS regisyeted by cancelling GPA signed by the builder and both of us. Pl. Clarify.
Ans: Dear G,
The ownership of the 600 sq. ft. UDS (Undivided Share of Land) depends on the terms of the Joint Development Agreement (JDA) and the GPA cancellation deed. As per the JDA, the builder agreed to transfer the 600 sq. ft. UDS to you after GPA cancellation in return for compensation. If the GPA cancellation deed and subsequent agreements clearly state that this UDS belongs solely to you and these are registered with the Sub-Registrar’s Office (SRO), you are the legal owner. However, if your sister’s name still appears as a co-owner in the original title deed, you will need her to execute a **Settlement Deed** or **Gift Deed** in your favor, which must be registered to confirm your sole ownership and avoid disputes. The builder’s statement that you are the owner is valid only if it aligns with the registered documents. To confirm ownership, verify the SRO records to ensure the transfer has been legally recorded. If any gaps exist, consult a property lawyer to review the JDA, GPA cancellation deed, and builder’s agreement to ensure proper registration of ownership and resolve any ambiguity. This will safeguard your rights and provide clarity regarding the 600 sq. ft. UDS.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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Nitin

Nitin Narkhede  |56 Answers  |Ask -

MF, PF Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 14, 2025Hindi
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Hi sir/mam, I'm 32 years old working in a private firm as Manager. I own 9 lacs in FDs, accumulated 17 lacs in Mutual funds through SIP of around 23k pm (currently XIRR at 15-16% in with 75% in equity). I also have 2.5 lacs in PPF and 1.2 lacs in NPS. For tax savings I do yearly investments in PPF and NPS of about 1 lacs and rest I cover with ELSS (part of my SIPs). I want to retire at the age of 50, my current salary is 1.2 lac per month in hand, and receive few incentives of 1.5 lac a yr. I live in Mumbai with my wife and plan to buy a house of 60 lacs (out of which 20 L I'm borrowing from family, and rest of it will be loan with about 35k EMI). I also have a flat in NCR worth 80 L (purchased at 35 lacs), for which I have an EMI of 11k per month which is covered by rent I receive from there. I don't have kids yet, but I plan to have two of them. What should be my plan of investing that I can retire by max between 50 and 55 yrs of age with an upper middle class lifestyle in either Mumbai or NCR. How much should my corpus be? My current expenses are around 60k including rent in Mumbai, and my parents are independent. I have both health and life insurance of 1 cr+ cover.
Ans: Dear Friend,
To retire comfortably at 50-55 with an upper-middle-class lifestyle, you’ll need a retirement corpus of ?5 crore. Currently, your mutual funds, PPF, and NPS are projected to grow to ~?1.82 crore by 50. To bridge the gap of ?2.18 crore, increase your SIPs by ?30,000/month in equity funds, which can grow to ~?2.25 crore at 12% CAGR in 18 years. Prioritize repaying the ?20 lakh family loan after buying the Mumbai house, ensuring the ?35,000 EMI doesn’t hinder your additional investments. Post-retirement, rely on rental income from your NCR property and a 4% systematic withdrawal strategy from your corpus to cover inflation-adjusted expenses. Maintain ?5-6 lakhs in an emergency fund and continue tax-saving investments like ELSS, PPF, and NPS. Regularly review and rebalance your portfolio to stay aligned with your goals. With disciplined savings and investments, you’re on track for a secure retirement.
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Free webinar https://bit.ly/PLH-Webinar

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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

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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