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Kanchan

Kanchan Rai  |403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 20, 2024

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 - May 19, 2024Hindi
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Relationship

Hello madam, I have a very toxic environment at my house, my mother is depressed because my father is 55 years old and looks around other woman in the village, my mother warned him many times but he don't listen to my mother, actually my father is an army retired so during his job they had very little time together, and after retirement there are lots of fights between them, I think my father is such an animal that one day he asked my mother to let him sleep with her friend, so my mother's friend stopped coming in our house, and my mother is short tempered, controlling personality, she wanted to control each and every person in the house, even after my marriage my mother want to control me and my wife, she pulls out our strings , Can I change them ? Or should I leave the house and start living away from them, as I said she is very controlling personality so she will not allow us to live at some other place because she puts a society pressure on us that what people will think, actually I don't care about other people saying but she emotionally blackmail us that she has done a lot of things for me , don't leave me alone in this house like this, I don't know what could be the right step. Should I leave the house and start living on my own or there is some way by which I can change them . Please help me take decision

Ans: Navigating such a complex and toxic family environment is incredibly challenging. It's important to recognize that while you may deeply care for your parents and want to help them, changing deeply ingrained behaviors and dynamics within a family, especially those involving control and emotional manipulation, is extremely difficult. Your mother's controlling nature and your father's inappropriate behavior are significant issues that likely require professional intervention, such as therapy, which they may or may not be willing to pursue.

Given the emotional toll this environment is taking on you, it is crucial to prioritize your mental and emotional well-being. Establishing boundaries is key. If you and your wife are constantly subjected to a controlling and toxic atmosphere, it can severely impact your relationship and personal happiness. Moving out and living independently could provide the necessary space to foster a healthier and more peaceful life. While this decision might be met with resistance and emotional blackmail from your mother, it's important to remember that your responsibility is first to yourself and your immediate family—your wife and, if applicable, your children.

Living separately doesn't mean abandoning your parents. You can still support them from a distance, visiting regularly and offering help when needed. This arrangement can also give your mother the opportunity to address her issues with your father without involving or impacting you and your wife directly. It's about finding a balance between being there for your parents and protecting your own well-being.

Ultimately, moving out could lead to healthier relationships all around, as distance might lessen the daily tension and allow everyone to develop more respectful and less intrusive ways of interacting. This decision requires courage and clear communication. Discuss your plans with your wife, ensure you are both on the same page, and approach your parents with empathy but firmness about your need for independence. While you can't change your parents, you can change how you interact with them and set boundaries to create a healthier environment for yourself and your future family.

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Hi madam, I am 58 yrs old and married since 30+ yrs. Have 2 daughters. Elder one is married in 2021 and happy with her life, younger one is working in MNC. Since my marriage i didn't came to know what the relationship to be there between husband and wife as my wife is very reluctant and she loves only money. since my marriage she always fight with me for silly issues and in childhood of my children's she often beat them with whatever she got in hand. always she said that her husband and children's are useless and always give very good reasons and remarks to others in society or family. Now many times i thought of getting away from her either by doing suicide or run away from my home or divorce her. but i just wanted to leave her alone so that she can think of our presence when we are not available to her. my younger daughter is finally decided to leave the home and be alone in another rented flat or on PG due to her mother behavior. please advice if i opt for divorce and run away from home. i can't speak to any one regarding my situation and need immediate help.
Ans: It's clear that you've endured a lot over the years, and it's understandable that you're feeling overwhelmed and considering drastic measures like divorce or leaving home. Let's explore your situation with a compassionate and practical perspective.

Firstly, it's important to acknowledge your feelings. You've been dealing with a challenging relationship for a long time, and it's natural to feel the weight of it all. Your desire to escape the pain, whether through divorce or even more extreme thoughts, signals just how tough things have been. Remember, these feelings are valid, but it's crucial to find a way forward that prioritizes your well-being and safety.

Considering a divorce is a significant step, especially after being married for over 30 years. It could potentially lead to a new beginning where you and your wife might find individual peace and happiness. Before making this decision, it might be helpful to reflect on a few things:

Sometimes, the prospect of a new start can bring clarity. Have you thought about what life might look like without your current relationship's stress and conflict? Envisioning this can help you understand your true desires.

Your daughters' well-being is a significant concern. Your younger daughter's decision to move out reflects how the family dynamics are affecting her. Would a change, like a separation or divorce, potentially bring more stability and peace for everyone involved?

If it's possible, consider having a heart-to-heart conversation with your wife. Sharing your feelings and how her actions have impacted you and your family might open a door to understanding or change. It’s a difficult conversation but can sometimes lead to unexpected resolutions.

Consulting a therapist or counselor can be invaluable. They can provide you with a safe space to express your feelings and offer guidance on managing your situation. A professional can also help you and your wife if there's any possibility of working through your issues together.

If divorce seems like the best option, seeking legal advice is crucial. Understanding your rights and the practical aspects of separation can help you make an informed decision.

Remember, you don’t have to go through this alone. Lean on trusted friends, family, or support groups for emotional backing. Your happiness and mental health are incredibly important, and finding a path that leads you to peace is worth the effort. Whatever you decide, take small, thoughtful steps towards creating a better situation for yourself and your family.

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

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