Hello maa’m!! am in love with my boyfriend since 18 years. I waited till he gets his first job to tell my parents abut him. When the time came we both informed in our family that we want to get married. His father said yes initially and asked my family to meet at a common place. Later once I family agreed and came and called to inform his family, his mother denied saying his father is against this marriage. My parents called my boyfriend and asked whether he wants to marry me without his father approval and he said obviously!!! Why wouldn’t I? Then me and my boyfriend set a date and informed both our family that we are getting married on this date on july. My family has been always supportive and they support me here as well. But his family reacted differently saying we can’t allow you to marry on this date as this month is his birth month (some silly excuses) and they informed we can assure you we will get you married to your girlfriend in November or December. That time my boyfriend also agreed with his mother knowing that all wedding venues were booked and I have paid some kind of advance amount as well. And NOW!! My family went wild over him saying howcome he called of this marriage?? My boyfriend is asking me please give me a second chance that I will convince my parents to marry you in November or December. If they disagree i will move out and marry you only. How can I trust him this time? SHOULD I?

Ans: Lakshmi, both are good. Choose the one that you are more interested in. Upgrading skills is applicable to both. All the best for your admissions!

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Ans: Hi Mari,

You are a citizen of India and currently pursuing your medical studies in Russia. Once you complete your medical degree abroad, you will need to take the Foreign Medical Graduate Examination (FMGE) to obtain a license to practice in India.

In India and many other countries, students must complete an entry and exit examination before joining a medical program. After finishing your course, graduates are required to pass a licensure exam before they can proceed to an internship (house surgeon).

As you are from India, the first step for you is to complete the licensure exam. If you wish to practice medicine in other countries, you will also need to pass their respective exams and obtain eligibility.

I hope this answers your query.

BEST REGARDS

POOCHO. LIFE CHANGE KARO.

Ans: Hi Mamta,
Greetings! Before I comment, what is your plan? Would you like to pursue medicine or engineering? Please share the details so that I can provide suggestions accordingly.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ans: Hi Rishitha,

Having two different mark sheets is not a problem, but the main issue is stability. Earlier, you made a decision, and now, two years later, you’re considering a different option. This can make it seem like you're not keeping up with others.

Moving forward, please take the time to think carefully before making decisions. Don’t just follow your friends and relatives; remember that each person is unique. Take the time to identify what makes you unique and use that to guide your path.

BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Ans: Hi,
Could you please provide me with a few more details? Thank you!

BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Ans: Hi Shivanshu,
Since law is a theoretical-oriented course, you most likely need not wait for next year. It is advisable to complete the arrear exam as soon as possible for future purposes. Don't delay.

BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Ans: Yes, 41% is a low score. This may be due to several factors:

1. Choosing the wrong subjects.
2. Distractions caused by electronic devices.
3. Following friends in selecting subjects.

Now, what is your plan? If you want to reappear for the exam, ask yourself the following questions before proceeding:

- Why do you want to reappear?
- Which course do you want to choose?
Please share your marks and the course you wish to pursue so that I can make a suggestion.

BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Ans: Hi Sir,
Greetings. If possible, could you please provide her scores in HSC and NEET (subject-wise) so that I can suggest a better idea?
best wishes
POOCHO. LIFE CHANEG KARO.

Ans: You have done many things right. Being debt-free and raising two daughters successfully is a big achievement. One daughter is working in a top global firm. The other is pursuing education. Your wife is also earning a regular salary as a government teacher. You have around Rs. 60 lakhs in savings. Now you are asking if it is the right time to retire or not. Let us assess it completely.

You will get clear direction with this detailed analysis.

Assessing Monthly Cash Flow Post Retirement
First, find your monthly expenses. Add household, healthcare, travel, and family expenses.

Now check your wife’s monthly salary. Is it enough to cover those expenses?

If not, check how much monthly income your Rs. 60 lakh corpus can generate.

A safe withdrawal of 4% gives about Rs. 20,000 per month from this Rs. 60 lakhs.

That Rs. 20,000 plus your wife’s salary must match your monthly needs.

If there is a gap, you will need to postpone retirement or create more income sources.

Your Daughters’ Financial Responsibilities
Your elder daughter is working. That’s great. You don’t need to plan for her now.

Your younger daughter is still studying. You must plan for her education and marriage.

Set aside part of your Rs. 60 lakh savings for her future expenses.

You may need Rs. 10–15 lakh for education or marriage-related costs.

Deduct that from your savings and check how much is left for your retirement.

Retirement Corpus Suitability
Rs. 60 lakh corpus is too low to support full retirement at age 53.

You need income for at least 35 years if you live up to 88.

Expenses will increase every year due to inflation.

You also need a buffer for medical costs, travel, and family emergencies.

Rs. 60 lakhs may not grow enough to last all your retirement years safely.

Mental Tiredness vs Financial Freedom
Feeling fed up at work is understandable. Many people go through this phase.

But emotional frustration should not force early retirement if money is not sufficient.

Take a short break or vacation instead of full retirement now.

Try reducing work hours if your job allows. Or request flexible roles.

Semi-retirement with part-time work may give better balance.

Role of Your Spouse’s Government Job
Your wife’s job gives good financial stability.

Government jobs provide pension and healthcare benefits.

But do not depend fully on her income. She also may retire in future.

You must have your own retirement corpus to remain financially independent.

Investment Suggestions to Build Retirement Corpus
Your current savings must be made to grow.

Invest a part of your Rs. 60 lakh in balanced mutual funds.

Allocate some in actively managed equity mutual funds through Certified Financial Planner.

Avoid direct mutual funds. They lack handholding, discipline, and expert monitoring.

Regular plans through MFD with CFP gives long-term guidance, goal setting, and review.

Direct funds may look cheaper but can be less efficient for long-term wealth.

Avoid index funds also. They follow market blindly without downside protection.

Active funds aim for better returns by managing risks actively.

Maintain Emergency Fund Separately
Keep Rs. 5–6 lakh as emergency fund in liquid form.

This is not for investment. Only for sudden family or health needs.

This prevents you from redeeming long-term investments in panic.

Health Insurance Must Be Reviewed
At 53, you must have a strong health insurance cover.

Also ensure your wife and younger daughter have adequate medical cover.

Do not depend only on employer-provided insurance.

Premiums will rise as you age. Start early and secure lifelong protection.

Jeevan Saral Policy
If you hold a LIC Jeevan Saral policy, continue till maturity.

Since only 4–5 years are left, surrendering now won’t give full benefits.

But avoid buying any more investment-cum-insurance policies.

Pure term plans and mutual funds are more efficient for protection and growth.

Role of Gold in Long-Term Planning
You have not mentioned gold holdings. If you have, treat it as backup.

Physical gold should not be relied on for regular income.

It can stay as generational wealth but not as retirement income generator.

Target Corpus For Peaceful Retirement
A peaceful retirement needs stable income for at least 30 years post-retirement.

Assuming modest lifestyle, monthly expenses may be around Rs. 50,000 today.

With inflation, this will become Rs. 1.2 lakh in next 15 years.

To get that income, you need around Rs. 2.5 crore corpus by age 60.

Rs. 60 lakh today is a good start, but you need to build more.

Action Plan To Retire Peacefully
Continue working for 5–7 more years, if health permits.

Use this time to increase investments aggressively.

Avoid all unwanted expenses. Save 30–40% of income.

Invest monthly through SIPs in diversified actively managed mutual funds.

Review your investment plan every year with a Certified Financial Planner.

Do not chase real estate. It locks money and brings illiquidity.

Build a portfolio of equity and hybrid funds with proper asset allocation.

Keep increasing SIP amount every year as income rises.

Delay big purchases unless truly needed.

Family Support And Emotional Planning
Discuss your retirement plan with your wife and daughters.

Take their input also. Align family goals with your retirement.

After retirement, plan a daily routine with meaningful activities.

Focus on health, hobbies, and purposeful engagements.

Retirement is not the end. It is a new beginning of your choice.

Final Insights
Rs. 60 lakh is a great base. But not enough for full retirement at age 53.

Continue job for some more years. Build Rs. 2–2.5 crore corpus steadily.

Your wife’s job gives comfort. But don’t depend fully on it.

Create income-generating portfolio for long-term independence.

Plan for younger daughter’s future and your own health costs.

Take help of Certified Financial Planner for goal-wise investing.

Protect corpus from inflation, taxation, and wrong product choices.

After 58 or 60, you may retire peacefully with confidence.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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