Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
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 - Jan 06, 2026Hindi
Relationship

I have a huge crush on my boyfriend's father. He is actually his stepfather and pretty young, 42. I am 26 and every time we meet I feel like there is an emotional and romantic connection. I used to casually flirt with him and tell him that he looks handsome. My BF also knows that I secretly like his company. I don't have a mother-in-law so there is no threat or pressure. She passed away 2 years ago and acc to my BF, she'd married her business colleague so he can take care of the business they built together. Now I am confused about my feelings. I don't want to dismiss my feelngs. I have never felt this way before with anyone else.

Ans: Let’s first look at this with clarity and kindness toward yourself. Attraction is not always about wanting a relationship. Sometimes it comes from admiration, feeling seen, feeling emotionally understood, or being drawn to someone’s confidence, maturity, or presence. In your case, this man is older, emotionally steady, has life experience, and may treat you with warmth and respect. Those qualities can feel very powerful, especially if they are missing or inconsistent elsewhere in your life.
But there are three realities you cannot ignore.
First, he is your boyfriend’s father figure. That creates a permanent emotional and ethical boundary. Crossing it — even emotionally — would cause deep harm, not just to your boyfriend, but to the entire family system. Even if nothing “physical” ever happens, emotional closeness or flirting in this context is already risky.
Second, you are currently in a relationship. If you are emotionally drawn to someone else, especially someone so close to your partner, it’s a sign that something inside you needs attention. Either you are craving more emotional connection, validation, excitement, or security than you’re getting — or you are going through a phase of self-discovery where your needs are shifting. This is not about blaming you; it’s about understanding yourself honestly.
Third, the fact that he has not crossed boundaries and seems to remain appropriate is important. It suggests he understands the responsibility of his role. That’s something to respect, not test.
Right now, the healthiest thing you can do is create emotional distance and clear boundaries. That doesn’t mean being rude. It means no flirting, no special emotional sharing, no seeking private moments. Keep interactions polite, warm, and public. This protects you, your boyfriend, and your future.
You also need to gently turn inward and ask yourself:
What am I really feeling here? Is it attraction, or is it admiration? Is it romance, or is it emotional safety? Is there something missing in my relationship that I’m unconsciously trying to fill?
If you find that your feelings for your boyfriend are weakening, that’s something you owe yourself and him to explore honestly. It doesn’t mean you must break up immediately. It means you need clarity before continuing.
Please understand this: acting on these feelings — even slightly — would almost certainly lead to regret, guilt, and broken trust. What feels exciting now would become very painful later.
You don’t need to “dismiss” your feelings. You need to understand them, respect their message, and then choose wisely what to do with them.
Strong people are not those who never feel tempted. They are those who know when not to act on temptation.

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |656 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 26, 2024

Asked by Anonymous - Sep 24, 2024Hindi
Listen
Relationship
Hi I'm a 40, widow, mother of 3. I'm in a relationship with a man who is 10 yrs older to me. He is married, has his wife and kids. We are seeing eachother for the last 2 years. He is a 100% family man. He is very helpful in nature, he will do all he can to help anyone. The same way he is always there for me.. I ask him for opinions and suggestions, and he readily helps. We get cozy with eachother. He says that he has feelings for me and I too have feelings for him. It pains me when we do not talk or meet due to his busy schedule. But he calls every day. He loves his family very much. But what is our relationship?
Ans: It sounds like you have a meaningful connection with this man, but the nature of your relationship is complex, given his family commitments and responsibilities. While he provides you with support and companionship, his primary loyalty remains with his family. For many people in situations like this, the relationship can feel like it’s in a gray area—somewhere between a friendship and a romance—but it lacks the definition and commitment that usually characterize a stable partnership.

The feelings you both share are real, and it’s understandable that you enjoy his presence, advice, and care, especially since you’re navigating life on your own with three children. However, his involvement with his family sets limitations on what this relationship can be. Despite his feelings for you, his commitment to his family will likely always be his priority, and this can often mean your needs might go unfulfilled or be deprioritized.

Given this dynamic, it may be worthwhile to reflect on what you genuinely want from this relationship and whether it aligns with the reality of his availability and his priorities. Sometimes, knowing the nature of what you need—whether it’s companionship, support, or a romantic commitment—can help you decide if this relationship can give you fulfillment or if you would like something with more clarity and stability.

Ultimately, how you choose to define or continue this relationship is up to you, but reflecting on your own needs and boundaries will help you find a path forward that respects both of you and brings you the emotional security you deserve.

..Read more

Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 03, 2025

Asked by Anonymous - Jan 31, 2025Hindi
Listen
Relationship
Anu, I am in love with my son's best friend. I know it sounds a bit weird. But technically he is my son's colleague. I was 19 when I became a mother. My husband and I are not compatible so we live in different cities. We are not officially divorced. I am 41, my son's colleague is 25, he's smart, good looking and has told his parents he is interested in me. My son knows that his friend is interested in me. We haven't talked about it yet but he has indirectly suggested that I talk to his Papa ie my husband about it. Do you think it is wrong to fall in love for the first time after being married early to a wrong guy? Apart from my son, my husband and I have no real connection or conversation. This is the first time someone has made me feel so important in his life.
Ans: Dear Anonymous,
No, nothing is right or wrong; it's just the way we perceive things (a point of view that almost makes everything seem right).
But I am sure there are other reasons that have prompted you to write in here. It's a guy who is much younger. Is this young man also interested in you like you are to him? Is he misplacing his lack of love from his mother through this relationship with you?

Be very cautious about relationships that come from a place of NEED. When the need is filled, the relationship invariably breaks. In your case, with no great close relationships and love from them, you seem to be deriving that from the attention that you get from this young man. He's young and has a whole life ahead of him. He has the luxury to choose who he wants as his life partner by actually getting into the dating scene, right? Where will that leave you?

This line of thinking that I am guiding you into is not to dampen your spirits but to make sure that you are closing all these loose ends before thinking of a relationships. How can you do this? By actually pondering over the questions that I have asked you. That may also involve some talk with the young man as well BUT at his age and maturity there is only that much that he can give you. If you are looking for emotional stability, then think really hard about what is going on...

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 Aug 06, 2025

Asked by Anonymous - Jul 21, 2025Hindi
Relationship
I am 36, female earning Rs 2 lakh per month, but I am single. I had my first relationship when I was 23 and we broke up pretty bad when I was 27. He moved on due to family pressure but I could not. I don't have a father figure or anyone in my family who would support my relationship. So I worked hard and rebuilt myself. I have dated several boys but I don't want to commit. I have a mental image of the boy I want to marry. And it is mostly related to my first love. Though we are not in touch, I find myself drawn towards men who are compassionate and soft spoken like him. Last year I got attracted to my married co-worker who reminded me of my first love. We both know we can't take it forward but there is an instant spark and connection between us that we cannot dismiss. He says he misses me when he is at home. When I realised he was distracted in his marriage, I took a step back and moved to another job to help him save his marriage. Now we are both broken and can't move forward. I have signed up for therapy but I don't think there is anything wrong in wanting to love someone who is kind and protective. My therapist says I could be looking for a father figure in my future partner.
Ans: Dear Anonymous,
It would be wise to trust your therapist. You are expecting a different answer that's possibly siding with you and your feelings and maybe that's why you have written in here.
If you start looking for your lost love in every man that you meet, you may never give a chance to someone who is differently good for you. Start to explore without conditions and without mapping that person to your first boyfriend. You will end up either disappointed or go in search of men who are unavailable. That's how you got yourself involved with a married man; now do you want your first relationship situation to repeat itself here? Spare yourself a heartbreak again and work on yourself and your unresolved emotions with your therapist. Soon, you will be up on your feet being in relationships that are good for you emotionally.

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x