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Pooja

Pooja Khera  | Answer  |Ask -

Life, Relationship Coach - Answered on Feb 13, 2023

Pooja Khera has a PGDM in human resources from Amity University and is a happiness and wellbeing coach certified by Yale University. She also has a master's degree in astrology and is a tarot card reader as well.... more
Asked by Anonymous - Feb 10, 2023Hindi
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Relationship

My hubby says i should obey him for living happily with him, he will not give divorce and is a responsible father. Im a working woman who is capable of taking decisions without his support financially and emotionally. The big problem is he neither talks to me nor is interested in me but still values marriage and a wife who will be for society. I cannot see any reason to obey him in 21st century, so what should I do?

Ans: In my opinion, having to follow someone's instructions shouldn't be the case for anyone. Forcing your spouse or partner to obey you is a sure shot recipe for the downfall of a relationship. The only way out is to discuss with him peacefully, put your point of view forward and if that also doesn't work then either a marriage counsellor or a coach can guide you. In case he doesn't want to go for counselling as well and you already feeling suffocated then the relationship is unlikely to heal.

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2023

Asked by Anonymous - Feb 08, 2023Hindi
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Relationship
i had a love marriage 20 years back. we were in a relationship for 3years before that. but after marriage i realised the harsh reality. though we are in the same field, he prefers that i do all the househld work. we have two children 17 and 12 years old. he has also started neglecting his health. after work his only work is to sit on sofa , watch tv. he has gained a lot of weight, has started eating pan masala which i dislike. we also had no sex for the last four years. when confronted he always says that he is in no mood. last year i came in contact with his friend and once we had sex too. but the sad part is i dont really feel guilty about it. i have tried many times to talk to my husband about our sex life but he always ignores and put the blame on me that i have started growing old. however hard i try he is not able to have a erection, this frustrates me even more. he is very dominating at home too. what should i do ? everytime i try to think to move out of that marriage but am afraid of the society. since he is very caring in front of others. am worried about the kids too. please help what should i do? there is no use of talking to him, i have tried it many times. he is not ready to go to any councellor too.
Ans: It sounds like you are facing some serious challenges in your marriage and that you are feeling frustrated, unhappy, and trapped. It's important to remember that you are not alone and that many people find themselves in similar situations.

Here are some steps you can consider taking:

Seek support: Talk to a trusted friend or family member about your situation. Consider reaching out to a therapist or counselor who can provide you with support and guidance.

Take care of yourself: Make time for self-care and engage in activities that bring you joy and peace. This can help you manage stress and cope with the challenges you're facing.

Consider couples therapy: Even if your husband is not willing to attend therapy, consider seeking therapy for yourself. A therapist can help you understand your feelings and emotions and provide you with strategies for coping with the situation.

Be honest with yourself: It's important to be honest with yourself about your feelings and needs. If you are unhappy in your marriage and feel that it's unlikely to improve, it's okay to consider leaving the relationship.

Make a plan: If you decide that leaving the marriage is the best option, make a plan for how you will do so in a safe and practical manner. Consider the impact on your children and plan for their care and well-being.

Seek legal advice: If you decide to leave the marriage, consider seeking legal advice to understand your rights and responsibilities.

Remember, leaving a long-term relationship is a big decision and can be a difficult process. It's important to take the time to consider your options and seek support from trusted friends, family members, and professionals.

..Read more

Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 22, 2024

Asked by Anonymous - Oct 21, 2024Hindi
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Relationship
I am married for past 2 years it's an arranged marriage. On the first night of marriage my husband told me that he is in love with someone else I was fine with it then when I told my family they asked me to stop being a fool and try to build this marriage. In these 2 years I have been strictly checking his phone asking for his location as advised by his father still he has never touched me . We never talk and i have lost interest in trying after 1 year .I like living with him as I get freedom even though there is no relationship between us I live in joint family and if I go back and take divorce they will get me married again soon . Why should I do !? Should I leave him as he is still in love with someone. Or should I enjoy my freedom. I have asked him to not ask me anything about my life and i will never ask anything to him about his life... please help ?
Ans: Dear Anonymous,
Your first goof-up was being okay with a person who said that he loves someone else.
Your second goof-up was trying to make the marriage work by doing what your father-in-law wanted you to do (check phone).

In both cases, you placed HOPE over your common sense. Maybe it did not occur to you that you are stepping into a world that may never let you live a normal married life?

Now, my question to you is: What freedom are you talking about? This same freedom will someday come back to haunt you as there is no family system that you are part of, no relationships to be part of...Is this okay with you?

Marriages or Life partnerships are not like: you mind your own business and I will mind mine. There is communication, trust, mutual respect, love, affection, giving-receiving...do you think your marriage will have this OR can the two of you work towards this? If YES, give it your best shot else, you really must think: What do I want for and in my life?

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

Kanchan

Kanchan Rai  |648 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 30, 2024

Asked by Anonymous - Dec 05, 2024Hindi
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Relationship
Hi Dr. I am 27 year women with a 5 year old girl and 7 months pregnant. I was married 9 years ago. We faced many ups and downs in our life. Three years back , I went to dubai where my husband was working, to spend with him. But as a mobile addict , most of the time he will be on mobile when he was at home or sleeping. We spend little quality time . That too on my or my daughter's insist. Later I got job there as a teacher @ school . I worked there about two years when I got pregnant I return back to my home country. As he was resigned in search of better opportunity, even he is also with me in India now. He is short tempered and whenever he talks he raises his voice. For every single thing he is worried and shouting at me . It makes me feel sad. He is not bothered about my health and if I ask something like fruits to buy he will get angry saying that I am the one who is to manage the expenses and he can't afford buying things for me. He blames me for single thing. I need to ask permission for spending my money. He is in charge of taking care of my money. Main thing that I can't digest from his side is that he demands me to obey him like a slave. He says that how we are to the God , likewise you should obey and bear what ever from his side. Till that my love towards him isn't completed that is what he says. He never ever gives me a chance to explain or communicate my issues. Now I feel emotionally mentally very distant from him. I am staying at my home . Though his house is nearby mine, he rarely find time to visit me or call me. What should I do?
Ans: Your husband's behavior, as you've explained, reflects patterns of control and a lack of empathy for your well-being. Relationships thrive on mutual respect, open communication, and partnership, not dominance or one-sided expectations. The idea that you should obey him like a slave is deeply concerning and goes against the foundation of a healthy and loving relationship. His unwillingness to engage in meaningful communication or to show care during your pregnancy exacerbates the emotional distance you feel.

Right now, your primary focus should be on your mental and physical health and that of your children, both born and unborn. It's important to have a support system around you. Being with your family at this time seems like a good decision, as it gives you some space from the negativity and an opportunity to focus on yourself.

You deserve to feel heard, valued, and supported in your marriage. It's worth considering having a candid conversation with your husband when emotions are not heightened, explaining how his behavior affects you and the marriage. If he is unwilling to listen or dismisses your feelings, it may be time to consider seeking professional help, such as marriage counseling, where both of you can work on your relationship dynamics in a neutral and supportive environment.

If he refuses to engage in any efforts to improve the relationship or continues to demand unquestioning obedience without regard for your well-being, you might need to reflect on whether this relationship aligns with the life you envision for yourself and your children. No one deserves to feel like they are unworthy or diminished in their own home.

Remember, taking care of your emotional well-being is not just about your own happiness but also about creating a nurturing environment for your children. You are strong, and you have already shown resilience by navigating this challenging relationship and focusing on your responsibilities. Trust in your ability to make decisions that prioritize your dignity, health, and future. If you ever feel overwhelmed, consider reaching out to a counselor or therapist who can provide support tailored to your circumstances and guide you through these difficult emotions.

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Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 29, 2025

Asked by Anonymous - Jul 09, 2025Hindi
Relationship
My wife and I are married since 2009 and have 2 kids. From last 5 years, I have observed that my wife doesn't listen to me at all. It is like my presence is not important for her. My words, thoughts, or actions are unnoticed. She does everything exactly opposite to what I suggest her. I even tried to talk to her, or ask her the reason for not listening to me. But she acts as if there is no problem at all. She will do everything what she wants. So, nothing in my house happens according to my wish. It is like if things goes according to what she wants, then it is fine, else it is not. So, either I need to sacrifice all my work, presence or expectations, and do everything as she wants or to leave her and stay alone. We also tried to talk to a marriage counsellor, but it didn't help to change her opinion or actions. What is your suggestion?
Ans: Dear Anonymous,
If there is a breakdown in emotional connection, women have a tendency to be laid back about the marriage.
Now, if this is the case, it is difficult to find reasons but surely you can make a good attempt at winning her over. Small gestures like gifting her flowers or a day off from household chores, asking her about her day, complimenting her...
Also, check if you have started to become very instructional; woman DO NOT like husbands instructing them constantly and will shut off almost immediately.
Instead offering to do things together will help her bond with you...

So, it's possibly not about you or listening to what you have to say BUT possibly the manner in which you say or request is important to her. Involve yourself in her world and see things change.

All the best!
Dear Anonymous,
Oh, she can treat this as though she's just married. Start fresh and new and there's so much to explore with one another and within the marriage only if she is willing to go in with an open mind.

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
Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 22, 2025Hindi
Money
I am 34 years old, married, with no children yet, but we plan to start a family by the end of 2026. Our monthly household take-home income is 4.4 lakh. We have cumulative EMIs of 1.50 lakhs per month: (1) Home Loan (1 Cr Outstanding, 9 years left): 1.1 lacs per month, (2) Car Loan (8 lacs outstanding 4 years left): 25k per month (3) Personal Loan (4 years left) - 15k per month. Our investments include 50 lakh in stocks and mutual funds, and 30 lakh in PF. I have a term plan with cover till age 85, costing additional 1.3 lakh per year in premium for next 7 years. Me and my wife are covered by our employer for medical insurance, and our parents will also have PSU pension and medical cover after retirement. We spend around 1.2 lakh per month on household expenses in Gurgaon. We invest 1 lakh monthly having 20-90 split in stocks and MFs and keep 2 lakh in an emergency savings account. My long-term goal is to pay off all loans, build a financial buffer to move back to my hometown a tier 2 city and do remote work from there - this might reduce our househol income by 30-40%. Given these details, how should I plan our investments to achieve the goals and how many years are we looking to achieve this?
Ans: Hi,

You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.

You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.

Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.

Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.

Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.

You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.
Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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