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Kanchan

Kanchan Rai  |656 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2026

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 - Feb 07, 2026Hindi
Relationship

Hello Dr., Hope this mail finds you well ! I am married for the past 15 years with 2 daughters (13 & 8 yrs old) but my wife is very suspicious. From the day of our marriage till today she keeps accusing me of affairs while I never had any affairs. She keeps monitoring my mobile, whatsApp messages and laptop. In WhatsApp she has strange method, if I am online and if any other woman is online she thinks she is following me or I am messaging her. When I am on official travel she keeps calling me to check my location. I have to video call her and keep my phone ON in night when I go to bed. She suspects someone is in my room. She accuses me of having affair with any lady with whom I talk even to the extent of my sister in law. When I am working from Home she keeps the mobile phone with video ON to check what I am doing. When I go to my office I have to share my Location. She has got no evidences but still she is not able to understand me. Except for rare business travel I never go out except with my family. I do not have many friends and few which I have my wife has also accused me of having affairs with their wives. I ignore her behaviour but she also uses foul language and this is affecting me & my daughters. I consulterd few psycologists but it has not helped. I love my wife and like to help her but do not know how to handle this situation. Please advise.

Ans: I can hear that you love your wife and want to help her, and that is admirable. But love does not mean tolerating ongoing psychological control. More importantly, your daughters are growing up watching this dynamic. Children who witness constant suspicion and monitoring can internalize fear, mistrust, and unhealthy relationship models.
Your wife’s behavior sounds less like simple jealousy and more like severe insecurity or possibly paranoid thinking. When someone creates connections between random events — for example, “another woman is online at the same time so she must be messaging you” — that is not rational suspicion. It suggests deep anxiety or distorted thought patterns. This is not something you can fix through reassurance alone.
In fact, the more you comply with surveillance — video calls at night, sharing location, proving yourself repeatedly — the more you unintentionally reinforce her belief that suspicion is justified. You are feeding the cycle. Reassurance helps temporarily, but the suspicion returns stronger because the root issue is inside her, not in your behavior.
You need to shift from defending yourself to setting calm boundaries.
This does not mean shouting or threatening separation. It means saying something like: “I understand you feel anxious and I want to support you, but constant monitoring and accusations are hurting me and affecting our daughters. I will not continue video surveillance or location tracking. If you feel unsafe or anxious, we need professional help together.”
The key word is “together.” She may resist therapy because suspicious individuals often believe the problem is external, not internal. But couples therapy with someone experienced in paranoid jealousy or pathological suspicion is crucial. Regular psychologists sometimes miss the depth of such patterns. You may need a clinical psychologist or psychiatrist evaluation, especially if this behavior has lasted 15 years without change.
You also need to protect your own mental health. Living under constant accusation can cause anxiety, depression, and emotional numbness. It slowly erodes self-esteem. Consider individual therapy for yourself, not to fix her, but to strengthen your emotional boundaries and resilience.
Most importantly, do not isolate yourself further. Suspicious partners often push their spouses into social isolation. Maintain healthy friendships and professional relationships within reasonable boundaries.
Ask yourself gently: has her suspicion worsened over time? Has it extended into other areas of life? If so, this may be more than jealousy — it could be a mental health condition that requires medical support.
You cannot cure her insecurity through perfection. Even if you lock yourself in a room with no phone, the suspicion will find another story.
Your role is not to prove innocence endlessly. Your role is to protect your dignity, your daughters’ emotional safety, and encourage proper treatment.
I want to ask you something important: if nothing changes and this continues for another 10 years, what impact do you think it will have on your daughters’ understanding of marriage? That answer will guide your next step.

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Kanchan

Kanchan Rai  |656 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 13, 2023

Asked by Anonymous - Jul 13, 2023Hindi
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Relationship
I am a 53 year old male having troubled relationship with my wife off late. I am married for 26 years & was happy for 25 years. Recently due to my friendship & chatting with some female friends my wife grew suspicious & started keeping watch on my phone & location through setting on phone. I didnt mind as I was not having any wrong intention & relationship with any female friend. Problem started when my wife started interfering in my daily work by calling during office hours and asking what I am doing and with whom I am chatting etc. 1-2 times in a week this questioning turns into arguments & she use abusive language to confront. She claims that this issue of my infidelity haunts her all day and she cant sleep properly during night. Is she having some psychotic problem? Do we have to seek counseling together or she needs a Psychologist help? She is happy for 2-3 days in a week & this problem is not a everyday problem as she is pretty normal on other days.I love her unconditionally & cant see her sinking like this. Please help.
Ans: I'm sorry to hear that you're experiencing difficulties in your relationship. I can offer you some general suggestions that might help in this situation.

Open and honest communication: Sit down with your wife during a calm moment and have an open conversation about your concerns and feelings. It's important to express your love and commitment to her, and also address the impact her actions are having on your relationship.
Seek couples counseling: A professional counselor or therapist can help both of you navigate through these issues. Couples counseling provides a safe space for open communication and can assist in resolving conflicts, rebuilding trust, and improving the overall dynamics of your relationship.
Individual counseling: In addition to couples counseling, your wife may benefit from individual therapy to address her feelings of insecurity, anxiety, and trust issues. A psychologist or therapist can provide her with support and guidance to work through her concerns.
Establish boundaries and trust-building measures: It's important to establish boundaries that both of you are comfortable with regarding friendships and privacy. Rebuilding trust might involve setting guidelines for communication, being transparent about your activities, and reassurance about your commitment to the relationship.
Patience and empathy: Remember that this process may take time, and it's essential to be patient and understanding with each other. Try to empathize with your wife's feelings and reassure her of your love and commitment. Encourage her to express her concerns and fears openly so you can work through them together.

It's important to note that only a qualified mental health professional can provide an accurate assessment. If you believe your wife's behavior is indicative of a larger mental health issue, it would be advisable to seek the guidance of a psychologist or psychiatrist.

Ultimately, seeking professional help can provide you both with the necessary tools and guidance to work through these challenges and strengthen your relationship.

..Read more

Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2024

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Relationship
Hi Anu Kindly refer to my earlier question and your answer. In july 2023, she came to my office and literally touched my feet and apologized to me for her wrongdoings, like talking to my wife and further character assassination. She told me that all people are lying to me. I forgave to her and thought that she is possessive and in her possessiveness, she took that step. From july 2023 till June, 2024, she continued to put various allegations on me that I have a affair with my office staff etc. I blocked her so many times in past one year, but she used to come to me through various persons. I told her many times that if she has any proof of my affair, show to me and i would explain to you. But she used to say sorry and reunite. In june, 2024, she again levelled allegation on me that I am having affair with my friends wife and again, she informed this to my wife that I am having affair with various women and she used to give me money and gave various household items to me. She also informed my wife about our personal things to my wife. In short, she tried to ruin my respect, my family. In wife became quite depressive on hearing these things. I totally blocked her from my phone and she is continuing to call my friends and assassinating my character. My friends know me quite well. When my wife tried to backfire on her, like contacting her relative on facebook, inquiring about her whereabouts, she suddenly took a U turn and said to my friend that I should stop my wife, else she would be thrown out of her house (she is a widow). I would never forgive her nor would return to her. I invested around 7 lakhs on building a house on collaboration with her and in her distress time, i used to take care of her and her house, like providing ration to her, giving her money to run household chores, paying her electricity bill etc. But i came to conclusion that she was just using me. If she would have really loved me, she couldt try to destroy me reputation and my family. But even after this, I never contacted her and tried to ruin her.
Ans: Dear Harish,
When you asked for help in your first question, it only meant you wanted to get out of this sticky situation. Now, I am happy that you were able to realize that she was using you. Hope you have decided to keep her at a distance from you and the family. When you started to dream of a parallel life with her and spend money to construct a home etc, you were again running away from your marriage and trying you luck elsewhere. Do try and give your marriage a fair chance and now that your wife knows most of it, do start on a clean state if that's what she wishes to as well. Thank you for sharing...

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

Anu

Anu Krishna  |1771 Answers  |Ask -

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

Asked by Anonymous - Sep 04, 2024Hindi
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Relationship
Hello, I been married for 16 years now. From last 4 years, my wife has been getting involved with a colleague of her friend. After I found out, she said she is only friends with him and promised to stop chatting with him. But I found out that she was still talking to him. When I confronted her she denied it and said I am unnecessarily doubting her, but promised to stop and block him. But its empty promise and she continues chatting him. she refuses to sleep in same room and continues talking to him late into the night. I managed to get certain screen shots of her chats but nowadays she locked her phone. Her friends were encouraging her and also playing messenger/peacemaker role when she has a tiff with him. I really dont want a divorce because it will affect my kids but seems like there is no alternative. She keeps threatening me that she will file a case against me and my family and also that I need to pay for alimony if i plan to divorce. I indirectly raised this issue with her family but she has said so many negative things about me to them that they seem to take it lightly. I am frustrated now . Please advice
Ans: Dear Anonymous,
What sort of a situation are you dealing with? Your wife chats with another man and then she is also threatening to file a case against you and your family? On what grounds?
If at all you are going to file for divorce, make sure that you keep whatever proof that you have intact with you. It can help strengthen your side of the story and her threats can be opposed accordingly.
If you still want the marriage to continue, it cannot go on like this...kindly seek professional help as your wife really needs to understand the meaning of marriage. If she is not interested in it, at least then it can proceed towards a separation BUT living under the same roof and still being involved with her colleague and then behaving as though you are to blame clearly suggests that she is not in the right frame of mind OR has decided that she does not want the marriage.
Whatever the case, do ask her what she intends and then it will give you an idea as to whether to separate or make efforts to rebuild the marriage.

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

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11060 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 11, 2026

Money
Hi Sir, This is my second question after one and half years. I am running 37 years old. My inhand salary after all deductions is 77k. I have loan emi 32k which is going to end in feb 2027. I don't have any savings and mutual fund. How do i start financial planning and investment? I have my wife,6 years old son and 4 years old daughter. No other dependents. I would like to plan investment for house building after 7 years( my own plot around 1500 sq ft). Kindly advise.
Ans: You are asking this question at the right time. At 37, you still have many earning years ahead. Taking responsibility for your wife and two young children while planning for a future house shows strong commitment towards your family.

Even though you have no savings today, your situation can improve with a structured approach.

» Understanding Your Present Financial Position

Your monthly income and commitments are:

– Monthly income: Rs 77k
– Loan EMI: Rs 32k (till Feb 2027)
– Family of four with two young children

Currently your loan EMI is consuming a large portion of income. So the first phase of planning should focus on stability and protection.

» Build Emergency Fund First

Before investing, you must create an emergency fund.

This fund protects your family if:

– Job loss happens
– Medical emergency occurs
– Unexpected expenses arise

Try to accumulate at least 6 months of expenses.

Start small.

– Save around Rs 5k to Rs 8k monthly
– Keep this in a liquid fund or safe savings instrument

Do not use this money for any other purpose.

» Protect Your Family with Insurance

Since you are the only earning member, protection is critical.

You should have:

– Pure term insurance of at least Rs 1 crore
– Family health insurance cover for wife and children

Without these protections, one unexpected event can destroy financial plans.

Insurance is the foundation of financial planning.

» Begin Investment Through SIP

Once the emergency fund starts building, begin systematic investment.

Mutual funds are suitable for long-term goals like children education and house construction.

Prefer actively managed diversified equity funds.

Benefits of actively managed funds:

– Professional fund managers select quality companies
– Portfolio changes based on market conditions
– Aim to generate returns higher than market average

Start with small SIP.

Even Rs 5k to Rs 10k per month is a good beginning.

Over time you can increase it.

» House Construction Goal After 7 Years

You already own the plot. That is a big advantage.

Construction cost after 7 years may be substantial.

So your strategy should be:

– Continue SIP in equity funds for growth
– Increase investment once EMI ends in Feb 2027

When your EMI of Rs 32k stops, that amount becomes your biggest opportunity.

If you redirect that EMI into investments:

– Wealth can grow much faster
– House construction fund can accumulate steadily

» Planning for Children Education

Your children are 6 and 4 years old.

Higher education will come after 10 to 15 years.

This long time horizon is perfect for equity mutual funds.

Start small SIPs now in diversified funds and gradually increase contributions every year.

The power of compounding will work strongly over this time.

» Keep Investments Simple

Avoid spreading money across too many instruments.

A simple structure works best:

– Emergency fund for safety
– Equity mutual funds for long-term goals
– Limited exposure to other assets

Simplicity helps you stay disciplined.

» Tax Awareness

When you redeem equity mutual funds:

– Long term capital gains above Rs 1.25 lakh taxed at 12.5%
– Short term gains taxed at 20%

Holding investments for longer periods reduces tax burden.

» Finally

Your financial journey should start step by step.

Focus on these priorities:

– Build emergency fund first
– Take term insurance and health insurance
– Start small SIP in actively managed equity funds
– After Feb 2027, redirect EMI amount into investments
– Gradually build corpus for house construction and children education

Consistency is more important than starting with big amounts.

If you remain disciplined, your financial situation can change significantly in the next 7 to 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Reetika

Reetika Sharma  |600 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 11, 2026

Asked by Anonymous - Mar 07, 2026Hindi
Ramalingam

Ramalingam Kalirajan  |11060 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 11, 2026

Money
I am 36 years old and now I am getting in hand 60k staying at Bangalore .I have 18.5 lakhs in my bank account. Room rent 10k household expenses 12 k invested 10k in sip. Please guide me how to and where to invest this amount..layoff also going on in my it company. Please suggest for my safe future . I have a 3 year boy his health also not good .
Ans: Your situation shows responsibility and awareness. At age 36, earning Rs.60,000 per month, maintaining savings of Rs.18.5 lakhs, and already investing through SIP shows good financial discipline. Also, your concern about job stability and your child’s health shows that you are thinking about your family’s long-term security. With a few structured steps, you can strengthen your financial safety and future stability.

» Your Current Financial Position

– Monthly in-hand income: around Rs.60,000
– Rent: Rs.10,000
– Household expenses: Rs.12,000
– SIP investment: Rs.10,000
– Savings in bank: Rs.18.5 lakhs

This means you are living within your income and also saving regularly. That is a very positive starting point.

However, because there are layoffs in the IT sector and you also have family responsibilities, the focus should be on safety, stability, and long-term growth.

» Build a Strong Emergency Fund First

Job uncertainty and your child’s health condition make an emergency reserve very important.

– Keep around 9 to 12 months of expenses as emergency fund
– Your monthly expenses are roughly Rs.22,000 to Rs.25,000
– So maintaining around Rs.3 to 4 lakhs as emergency reserve is sensible

This money should stay in safe and liquid options so that you can access it immediately during job loss or medical needs.

Do not invest this emergency money in risky assets.

» Health Protection for Your Family

Since your child already has health concerns, health insurance becomes very important.

– Take a good family health insurance plan that covers you, your spouse, and your child
– Choose a policy with adequate coverage because medical costs in cities like Bangalore are high
– If your company provides health insurance, do not depend only on that because it stops when you leave the job

Medical protection protects your savings from getting wiped out.

» Use Your Rs.18.5 Lakhs Carefully

You do not need to invest the full amount immediately.

A balanced approach works better.

– Keep around Rs.3 to 4 lakhs as emergency fund
– Keep some amount in safe instruments for short-term needs
– Gradually deploy the remaining money into diversified mutual funds through a systematic transfer approach

This helps you avoid investing a large amount at the wrong market timing.

» Continue and Slowly Increase SIP Investments

You are already investing Rs.10,000 per month in SIP. That is a very good habit.

Over time, you can improve it.

– Increase SIP whenever salary increases
– Focus on diversified equity mutual funds for long-term wealth creation
– Keep your investment horizon at least 10 to 15 years

Equity mutual funds help beat inflation and build long-term wealth for goals like your child’s education.

Actively managed funds are helpful because professional fund managers analyse companies, manage risks, and adjust portfolios based on market conditions. This active management helps investors during uncertain markets.

» Create Separate Goals for Your Child

Your child is only 3 years old. This gives you a long time horizon.

You can create separate investments for:

– Child education
– Child health security
– Long-term family wealth

Starting early helps you accumulate wealth gradually without putting pressure on your monthly budget.

» Improve Career Security

Financial planning is not only about investments. Income stability is equally important.

– Upgrade your skills within the IT industry
– Maintain a secondary emergency skill or certification
– Build professional connections in your industry

This increases your chances of faster recovery even if layoffs happen.

» Avoid Risky Decisions Now

Because your income is moderate and job stability is uncertain, avoid:

– High-risk stock trading
– Investing entire savings in one asset class
– Sudden large investments without planning
– Borrowing money to invest

Your focus should be stability and disciplined growth.

» Work With a Structured Financial Plan

A proper financial plan helps align:

– emergency planning
– insurance protection
– goal-based investments
– tax planning
– retirement planning

A Certified Financial Planner can help structure these elements together so that every rupee you save works toward your long-term financial security.

» Finally

You are already on the right track. Many people at age 36 do not have Rs.18.5 lakhs in savings or a disciplined SIP habit. Your awareness about risk, family needs, and future planning is a strong foundation.

With a balanced approach of emergency protection, proper insurance, disciplined mutual fund investing, and career stability, you can build a safe and strong financial future for your family and your child.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

...Read more

Nayagam P

Nayagam P P  |10941 Answers  |Ask -

Career Counsellor - Answered on Mar 11, 2026

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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