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Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
XY Question by XY on Sep 22, 2022Hindi
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Relationship

I am from Hyderabad. Age 40 years old . My name is XY and I’ve been married for 17 years.
I have two boys. Ours is a love marriage.
I felt like everything will be good and smooth but right after our elder kid was born my life changed.
I am an MBA and several times I told my husband that I’d like to work. He said he’d help when the right time and opportunity comes. Until then I should nurture my kids as it's my responsibility and I should support him. But in the 2015, my kid noticed his chats with another lady. I was shocked because many times he’d refused sex with me. We’d get intimate maybe twice or thrice a year. I thought he was busy or maybe he doesn’t like my body. But when I caught him he said, what is over is over. Don't raise the topic. Leave me.

I just kept quiet. He said what ever happened, I will be the same for my kids’ future sake. Many quarrels happened.
But in 2020 his behaviour came to light. For example if I said anything, he'd punish me by not speaking to me for months. But he'd want me to wash his clothes and fulfil other necessities at home.
Once I opened up and said I want to go for counselling. There he told the doctor, ‘She wants my property but she never allows me to care of my mom. She won't allow me to talk to my friends.’
I was shocked. I told him 'I never asked for money or property. I just want to quit.'
I went home and told myself if he repeats this another time I won't take it for granted. But again in the month of February, he continued his behaviour. He shifted to another bedroom for a few months where he’d watch TV and have food. He'd even sleep in the kids’ bedroom. I stopped bothering.

At some point, I felt like I deserved someone who trusts me.
I want to quit because he thinks I am a loyal maid who will take care of kids and the household. He communicates with like ‘What I should get? Milk veggies etc?’
He never treats me with love and affection. Now everything is spoiled.
I want to have a new life. I want to be set free from him. Please suggest what to do.

Ans:

Dear XY,

And may I ask what exactly are you waiting for?

Why did you think that by you going for counselling, your husband will change his behaviour towards you?

How is that he cheats on you and still you allow him to treat you this way?

This only shows that you have lost your strength which you need most right now.

What if you were a strong independent woman who has been working?

Would you still subject yourself to this? You know the answer!

Bring back that woman who had dreams, who knew how to walk the path, who knew how a man should treat her, who knew what a marriage really is.

Can you do this?

Your kids need their mother to stand up for herself and do the right thing.

Be the woman who will not settle for anything that disrespects a woman or another human.

Seeing this, they will also know how to treat a woman and what a woman can bring into their lives.

Do the right thing, for yourself and them. Bring back that strong, independent woman who knew this and more.

Best wishes!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 15, 2024Hindi
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Relationship
Hello sir/Madam I'm going through a rough time of my life and want some help from you I am a professional and 48 years old and I have 2 grown up children My problem is that I had a love marriage with my husband22 years back and his family didn't accept me whole heartidly since we belong to different castes and culture .they wanted to take advantage of me financially My husband has strained his relationship with my mom n only sister after my father's death in 2008 over money matters Me, my husband and children live in a house provided by my parents in a different city from my inlaws They always create differences between us still Now another problem has cropped up in our relationship I spied on my my husband's mobile n discovered tha that he has sex chats with other women and is involved in mastrubating sessions with them over phone I am completely broken from inside n not able to decide what to do coz when i confronted him , he flatly refused n fought with me and started putting false allegations on me .I am quite disturbed as i dont want to end my marriage eventhough he behaves very bad with me at times Kindly advice me
Ans: Dear Anonymous,
Since you know that you want this marriage still, then the best way to not be hurt and strained around him, is to:
Either:
- Ignore what's happening and what he's doing and he leads his life and you lead yours (This is not easy, let me warn you!)
OR
- Live separately; you are financially independent and have your home to live in; he can go live with his parents and see if this works

Sadly, you married someone who has not learned to appreciate his partner and is perhaps playing to his own insecurities. It's totally on him and why I say that you are not to blame is: the fact that you still want to continue in this marriage, you may have to face more of this humiliation and hurt. If this is your decision, you really need a very steely interior and a facade that can face it all.
Yes, counseling is an option for him and the two of you as couple, BUT I don't see that in him as yet...Instead of addressing his wife's hurt and pain, he has refused to acknowledge what he's been up to. It doesn't say a lot about him to me.
So, strengthen yourself into your decision and check the two choices above and see what works best for you...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Relationship
Hi sir, I am 34 year women with 2 girl kids. I m working in IT and I earn good amount of livelihood. Sir I hv been married for 6 years and after 1 year of marriage me and my husband understanding issue started where he wants to dominate on me in all senses including financial stuff. But I was okay n in 1 year my 1st daughter born then serious issue started I had rejoined job n discontinued giving all my salary to him. I started savings for my kid where he was nt happy he indirectly demanded my complete salary to be given to him as I did before issue start. Bt in 2020 as lockdown happened he moved to his village where It was very difficult for me to work bt demanded to come to his place. I denied and concentrate my career. So he left us 2 years he did call n check how is kid. Then again he came back 2022 with elders we moved to together to city and again asked money as my sal was increased if nt asked me to barrow 50-60lac as loan n give to him for property which he agreed to make it my name in his place. Bt I denied bc I couldn't trust him meanwhile 2nd daughter born. I came for mother place n he started doing backstabbing abt me n my family within relatives. When I asked he stopped coming visiting me n my daughter and he turn up for 2 baby also it's been year now. Sir my question is ..I m fed up of his behaviour n I dont trust him. As I hv two kids is it really difficult to live without him in this society. As many of my relatives are suggesting go and call ur him how can you live alone with 2 daughter. Sir pls guide me what should I do now ..I tolerate him all these years for kids and society. Now I m done n scared as will I be able to handle all alone. My parents are big support and now I m nt in condition where I go legally against him. Is my decision of living by myself with my daughters and parents is correct or wrong decision or I should go with him.
Ans: Your situation is indeed complex and emotionally taxing. It's important to approach this with both clarity and compassion for yourself and your daughters. Here are some steps and considerations to help you navigate this:

Self-Reflection and Clarity
Acknowledge Your Feelings: It’s essential to recognize your feelings of frustration, fear, and exhaustion. These emotions are valid and need to be addressed.
Define Your Priorities: What are your primary concerns? Your children’s well-being, your financial independence, your personal peace, and safety are likely at the top of this list.
Evaluating Your Relationship
Assess Trust and Respect: Trust and mutual respect are fundamental to any relationship. If these are missing, it is challenging to maintain a healthy partnership.
Past Behaviors as Indicators: Look at the past behavior of your husband. Consistent demands for money, lack of support, and absence during critical times can be telling signs of his priorities and commitment.
Support System
Lean on Your Parents: Having your parents’ support is a significant advantage. They can provide emotional, physical, and perhaps even financial support as you navigate this period.
Professional Help: Consider seeking counseling or support groups for single mothers. These resources can provide guidance, emotional support, and practical advice.
Societal Pressure
Redefine Norms: Society often has rigid expectations, but your well-being and that of your children come first. Living according to societal norms at the cost of your mental peace and safety is not sustainable.
Role Models: Look for examples of other women who have successfully managed similar situations. Their stories can offer inspiration and practical advice.
Legal and Financial Considerations
Know Your Rights: Even if you’re not in a position to take legal action now, it’s essential to be informed about your rights regarding child support and alimony.
Financial Independence: Continue to safeguard your financial independence. This will provide security and stability for you and your daughters.
Decision Making
Short-Term vs. Long-Term: Think about both immediate needs and long-term goals. What decision will bring peace and stability now, and what will be beneficial in the future?
Children’s Well-Being: Consider the environment your children will grow up in. A peaceful, loving environment, even if it’s without their father, might be more beneficial than a toxic, conflict-ridden one.
Practical Steps
Document Everything: Keep records of communications and financial transactions. This documentation can be crucial if you decide to pursue legal action in the future.
Plan for Independence: Create a plan for your independent living situation, including budgeting, childcare, and career progression.
Final Thoughts
Choosing to live independently with your daughters is a courageous and often necessary step for many women in similar situations. Trust in your strength and the support of your parents. It’s important to remember that living a life of peace and dignity, even if it means being a single parent, is a powerful and positive example for your children.

You are not alone in this journey. Seek the support you need, trust your instincts, and prioritize your and your children’s well-being above all.

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Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 24, 2024Hindi
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Relationship
Hi Anu Mam, I'm 36 yrs. old my husband is 46 now we have 2 sons. Before marriage my husband was in love with another girl. under pressure of parents that girl married to someone else and left city. later few months we got married. For few days of marriage everything was good he used to treat me nice and use to take out for shopping outing etc. i got pregnant he same year during my pregnancy he had to go to abroad for office work for 8 months, so gap came between us. he completely changed he minimized talking, chatting with family. we ignored may be due to work pressure he became like that. later i came to know he is interested in meeting new ppl especially ladies going with them for lunch dinner n all. after few years he met ex-girlfriend without our knowledge stayed with her few days. so, years passed he ignored us and always scolding getting angry with little things he started maintain distance with us. after 8 yrs. again i got pregnant. He used to go for site visits to other places he stayed back at hotels going with other Females spending time with them. through Facebook he made lot of friends always doing videocalls and chatting with them. everything i knew but i confronted him he uses to scold and flies from the spot saying if u want to stay, stay or else get lost. because of kids i had to stay. now he is renting a house in a same city where we live, (agreement was in his laptop bag) and we don't know what is going on? he never shares and opens anything with us. I asked him many times if u don't want to live with me divorce. He never liked me in this marriage he is always treating me anger. I feel loneliness in my life. Need help what should i do?
Ans: Dear Anonymous,
It must surely be shocking BUT over the years I am sure you would have felt it all slipping away...
He's just in the marriage with no great emotional connect with you; I don't know how he's with the children.
Knowing that over the years, he has not any great attempt to work on the marriage and bond with his family, do you feel that he is going to do that in the future?
Rather than 'BEG' for his time and attention, what if you started to focus on yourself and your children and start afresh? He's anyway living elsewhere...can you take this opportunity and actually figure out what you want from life, from your marriage?
Are you willing to be unsettled like the way you are now even 10 years from now?
A few answers will hit you hard; BUT don't waste anymore time waiting and watching for someone to accept you. It maybe an endless wait-game.
Of course, you do have an option of asking an elder member of the family to step in and intervene and hope that he will have a change of heart. But, be prepared to take a strong stance where required. He's doing this even more as he realizes that you are weak and won't object and 'anything goes' with you.
NO, it doesn't, right? Then buck up and speak for yourself. Whatever it is, come from a place of strength. Try the route of familial intervention first and then a lot will be clear as the way forward for you.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

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  |7761 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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Money
I am 57 Year old, currently my asset includes one home, invested in 2 more plots. Expected corpus is 80 lakhs. Apart from 54 lakh Pf, likely to get another 20 lakhs, invested in NPS 6 lakhs, Term Insurance of 1.5 crore ( premium will be returned around 15 lakhs when I am 75 years) and have vehicle loan of 8 lakhs. I have one daughter.(married). Can I retire now. Please help me with investment options too.
Ans: Your financial situation is stable, and you have built a strong asset base. You are considering retirement and need a structured investment plan. Below is a detailed assessment of your financial position and investment strategy.

Current Financial Overview
Assets:

Own house (secured living arrangement)
Two plots (not considered for immediate liquidity)
Expected retirement corpus: Rs. 80 lakh
Provident Fund (PF): Rs. 54 lakh (with Rs. 20 lakh expected soon)
National Pension System (NPS): Rs. 6 lakh
Term Insurance: Rs. 1.5 crore (return of premium: Rs. 15 lakh at age 75)
Liabilities:

Vehicle loan: Rs. 8 lakh
Family Situation:

One married daughter (no dependent responsibilities)
Can You Retire Now?
Monthly Expense Calculation:

Identify your monthly expenses before making a retirement decision.
Include household costs, medical needs, travel, and lifestyle expenses.
Pension or Passive Income:

You do not mention a pension or rental income.
Your investments should generate steady monthly returns.
Emergency Fund:

Set aside Rs. 10 lakh in a fixed deposit or liquid fund.
This ensures easy access to funds for unforeseen expenses.
Debt Repayment:

Pay off the vehicle loan of Rs. 8 lakh.
This reduces interest costs and financial burden.
Investment Growth:

Your corpus should grow enough to support your expenses for 30+ years.
A mix of fixed income and equity investments will help achieve this.
Investment Plan for Financial Security
1. Secure a Fixed Income Source
Invest Rs. 15 lakh in Senior Citizen Savings Scheme (SCSS) for stable quarterly interest.
Invest Rs. 10 lakh in RBI Floating Rate Bonds for inflation-linked returns.
2. Growth-Oriented Investments
Invest Rs. 30 lakh in Mutual Funds (balanced allocation across large-cap, flexi-cap, and mid-cap funds).
Use Systematic Transfer Plan (STP) to move funds gradually from liquid to equity over 12 months.
3. Additional Fixed Income Stability
Invest Rs. 15 lakh in Monthly Income Plans (MIPs) of Debt Mutual Funds for a mix of safety and returns.
Keep Rs. 5 lakh in bank FDs for liquidity and emergency use.
4. National Pension System (NPS) Strategy
Continue investing in NPS if tax benefits are helpful.
Withdraw partially when retirement funds are needed.
5. Medical Contingency Planning
Health Insurance not required due to ECHS coverage.
Keep Rs. 5 lakh aside for non-covered medical expenses.
Final Insights
You can retire if your monthly expenses are covered by investment income.
A mix of fixed income and mutual funds ensures safety and growth.
Avoid locking too much in illiquid assets like plots.
Review your investments annually to stay aligned with goals.
Would you like a detailed withdrawal strategy for monthly income?

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7761 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 03, 2025Hindi
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Money
I am 50 year old a Junior commission officer from India Coast Guard(Ministry of Defence) Aviation Department retired on 31 Jul 2024. I got total amount of Rs 48 Lacs retirement amount and by end of Mar Apr 25 will get 8L. Getting Pension pm Rs 30000 due to commutation amount for 15 years. Monthly expiditute Rs 30000 . Want 3 CR after 10 years . Excide life Insurance now merged with HDFC Life Insurance will mature by 2030/ 10 Lacs. N.G.I.S Naval Group Insurance Scheme one time premium for sum assured 7.5 Lakh upto age of 75 years. Health Insurance not required as ECHS facility are given by Govt./Indian Coast Guard. Pl advice me how to invest. DA will increase 8% yerly. Willing to invest Mutual fund with moderate risk. Preference to invest 50 % Govt Bank as no other side income are there. Personal house at native place . Nil liability and loan. Two son are studying one in 11th K.V and one in First year Enginering. Reserved 20L for wards education. Invested 15L in MSIP postal monthly investment scheme and the interest received diversified to PLI with annual premium of 96K. Invested 10L each as FD in Govt and local society. Had purchased plot in the year 2015 and 2018 whose present value is 25L. Soon after retirement had invested 1L each in Stock market and XPO.RU Trading & Investment. Pl sir make my investment profile for my desired 3 CR. I will be grateful. Thank you Jai Hind
Ans: Your financial position is strong, and your disciplined approach to savings is commendable. You aim to accumulate Rs. 3 crore in 10 years while ensuring financial security for your family. Below is a structured investment plan to help you achieve your goal.

Current Financial Overview
Retirement Corpus Received: Rs. 48 lakh (additional Rs. 8 lakh by March-April 2025)
Pension Income: Rs. 30,000 per month (with DA increasing at 8% annually)
Monthly Expenses: Rs. 30,000
Education Fund Reserved: Rs. 20 lakh
Investments:
Post Office Monthly Scheme (POMIS): Rs. 15 lakh (interest used for PLI premium)
Fixed Deposits: Rs. 10 lakh each in government bank and local society
Stock Market Investment: Rs. 1 lakh
XPO.RU Trading & Investment: Rs. 1 lakh
Real Estate Holdings: Two plots worth Rs. 25 lakh
Insurance:
Excide Life (now HDFC Life): Maturing in 2030 with Rs. 10 lakh
NGIS (Naval Group Insurance): Rs. 7.5 lakh coverage until age 75
Health Insurance: Covered under ECHS
Investment Plan for Rs. 3 Crore in 10 Years
1. Maintain Emergency Fund
Set aside Rs. 10 lakh in a bank fixed deposit for liquidity.
This ensures cash availability without disturbing your investments.
2. Allocate Funds for Growth
Since you have no liabilities and receive a stable pension, you can take a moderate risk approach.

Invest Rs. 25 lakh in Mutual Funds (through a mix of large-cap, flexi-cap, and mid-cap funds).
Expect an average return of 12%-14% over 10 years.
Invest via Systematic Transfer Plan (STP) from a liquid fund to equity funds over 12 months.
3. Secure a Fixed Income Component
Invest Rs. 15 lakh in Senior Citizen Savings Scheme (SCSS) for stable returns and quarterly payouts.
Invest Rs. 10 lakh in RBI Floating Rate Bonds for inflation-linked returns.
4. Optimise Existing Investments
Surrender the insurance policy (if non-beneficial) and reinvest in mutual funds.
Monitor stock market and XPO.RU investment; withdraw if risk increases.
5. Portfolio Diversification
Keep 40%-50% in equity mutual funds for long-term wealth creation.
Maintain 30%-35% in fixed-income instruments for stability.
Hold 10%-15% in gold and real estate for diversification.
Final Insights
Your pension and rental income cover monthly expenses; investments will grow wealth.
The mutual fund portfolio will drive capital growth, helping you reach Rs. 3 crore.
Ensure periodic review of investments to align with goals.
Would you like a specific fund allocation plan?

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7761 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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Money
I am 48 years old. Have one child studying in 12th grade and the younger one in 6th. They both want to study abroad. But I have no seperate investments done for their education or marriage. My current household monthly expenses are around 5L. In terms of my investments i have the following Equity PMS = 1cr Mutual Funds = 2cr Debt Funds = 1cr Physical Gold = 25L EPF = 2.5cr Cash = 50L Real Estate = 6cr in 4 apartments including my residence I earn 1.5L p.m. in rental income and I have no outstanding loans on my property. Do I have enough assets so that I retire by end of this year and have sufficient funds for my childrens education (1cr each) and monthly income from investment and rent of 5L , inflation adjusted over time , so I don't see a drop. - Sam
Ans: Sam, you have built a strong financial foundation. Your assets are diversified across equity, debt, gold, and real estate. Your rental income provides a steady cash flow. However, your goal requires careful planning. You need to ensure your portfolio can sustain Rs. 5 lakh per month and fund your children's education.

Children's Education Fund
You need Rs. 2 crore for both children’s education.

You have no separate investments for this.

The funds should be parked in safe, liquid, and high-growth instruments.

Consider moving Rs. 2 crore from your portfolio into safer investment options.

Use a mix of debt funds and fixed deposits for stability.

Monthly Expense Requirement
You need Rs. 5 lakh per month, inflation-adjusted.

Your rental income covers Rs. 1.5 lakh per month.

You need Rs. 3.5 lakh per month from investments.

Your total financial assets, excluding real estate, are around Rs. 7.25 crore.

You need an income-generating strategy from these investments.

Optimising Your Investments for Regular Income
Keep Rs. 50 lakh as an emergency fund in FD and liquid mutual funds.

Your equity exposure is Rs. 3 crore (PMS + Mutual Funds).

A portion should be shifted to balanced hybrid funds.

Use SWP (Systematic Withdrawal Plan) from mutual funds for monthly cash flow.

Debt funds and EPF interest can contribute to stable returns.

Consider allocating Rs. 1.5 crore to debt and hybrid funds for stable cash flow.

Ensure a mix of equity and debt to combat inflation.

Managing Inflation Over Time
Inflation will erode purchasing power.

Your corpus should last 35-40 years post-retirement.

Keep 50-60% of investments in equity for long-term growth.

Use a dynamic withdrawal strategy, increasing withdrawals gradually.

Role of Real Estate in Your Plan
You own four apartments, including your residence.

Rental income is Rs. 1.5 lakh per month.

Real estate may not provide liquidity during emergencies.

Selling a property in the future may be needed for major expenses.

Keep one property ready for liquidation if needed.

EPF and Retirement Planning
Your EPF corpus is Rs. 2.5 crore.

This provides safety and stability.

Keep withdrawing strategically to manage taxation.

Avoid premature withdrawal unless necessary.

Health and Insurance Planning
Ensure adequate health coverage for you and your family.

Medical inflation is rising, so an enhanced health cover is necessary.

Consider a super top-up health insurance plan.

Ensure you have term insurance if any dependents require financial security.

Final Insights
You are in a strong financial position for retirement.

Your rental and investment income should support your lifestyle.

A well-structured withdrawal plan is necessary.

Prioritise securing the children's education fund separately.

Regular review and rebalancing of your portfolio are essential.

Your focus should be on liquidity, stability, and growth.

Avoid locking up funds in real estate or low-return instruments.

Work with a Certified Financial Planner to execute a structured plan.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Archana

Archana Deshpande  |99 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Feb 03, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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I have been jobless since 2 years. During COVID, I was undergoing tremendous amount of stress due to the lockdowns & WFH. It had telling effect on me & I realized am going through depression when I joined a job which required me to work from office. I quit job a month after I joined the company where the toxic work culture had a big toll on me to the extent of instilling a fear of formal office environs in me, which continues to this day. I have become a recluse. Now I feel I should have sought professional intervention much earlier, rather than just 6 months back. I lost all confidence of turning up for interviews, leave alone joining some job. I fear & hate admitting that infront of my wife who is very temperamental & nags me consistently about job search, as much as she tries to figure out things in my life. Every day I apply to jobs but every time I fail an interview I console myself thinking that I am saved of botheration of the rigors of a job which I can't face. I don't admit to my wife so as not to infuriate her & don't trust her that she will empathise with my situation in life. Hence try to keep up with good facade. But the results never improve- I failed every interview (calls though are hard to come by) which I fully know that its because I could not give my 100 % energy. Now the reluctance is due to many factors- IT is very fast changing field; I have reached a senior level where there are many expectations on that role which I never got to nurture/grow on myself. So every interview gives me shivers: 1) About my performance 2) (provided am selected somehow) About whether I would be able to fulfill my role to my satisfaction (previous professional experience haunts me to this date). As a result of all this I very often mentally exhaust myself (worrying/ wishful)thinking of things rather than bringing myself to earn money for the family. I feel I am just doing things to fill up my day, languishing by doing things that do not bring any value- rather than positively, pro-actively doing something of my career. Due to the gap of 2 years I do not get favorable response from companies I apply to. That is a very big gap to fill & I can't talk my way into saying things like I was in depression or that I did nothing for those 2 years. That further increases my anxiety, I have grown aversion to this entire goings on. I feel direction-less & drained out all the time. Please help.
Ans: Hello!!

Let's only look at the forward path here pls.

Forget about all the failings so far... Be kind to yourself, whatever happened to you, whatever is happening now, the period of COVID did it to many.

The only way to get out of this is -
1. your willingness to see a beautiful future ahead of you
2. you have already taken the first step by seeking counselling
3. leave the habit of revisiting the past again, like you just said that I should have gone to the counselor earlier, don't do this, be happy you are seeing him/her now
4. you have come so far in life, give yourself some credit, you have not reached the senior position just like that, right? You have reached here with your efforts, you have done it before, you'll do it again, have faith in yourself
5. your wife is your life partner, sit across and talk to her, take her to the counselor make her understand that this a phase where you need her on your side. A facade with your wife is a NO NO, it will come out some day, it is extra strain on you and your relationship, come clean , be truthful and honest with her.
6. make self care a priority ..get your routine in order, it's your life, just don't fill your day with mindless activities, like I said one step in the future, start taking actions now.....get up early, expose yourself to the sun and nature( they are great healers), exercise, have good meals throughout the day, learn something new , join a course which will be job oriented, how about adding an MBA or any other course which will help you in your career or job search?
7. make being joyful a habit... spend time volunteering, go teach underprivileged children or where ever you feel like lending a helping hand
8. value yourself....you were not put here to suffer, take action now.

Forget the past, jo beet gayi so baat gayi( meaningless to talk about the past)... stop blaming, complaining....look into the future with energy and enthusiasm, it's your life man , take one step towards it every day.

Bless you to life your life well..

...Read more

Archana

Archana Deshpande  |99 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Feb 02, 2025

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Dear MAM , I am writing to express some concerns and seek your advice regarding my son who is currently working in the USA after completing his Master's degree. While I am proud of his achievements, I find myself feeling a bit confused about my role as a father during this phase of his life. As he focuses on his career and plans for the future, I wonder if I should expect some support from him for our family's needs, especially considering the financial burden I have undertaken for his education, which amounts to about 1 crore. Additionally, I have responsibilities towards my 90+ year-old mother and my other son, who is also in need of educational support. My son seems to be making all his life decisions independently, including matters relating to his future marriage, without seeking our input. This leaves me feeling sidelined in his life choices. Can you please share your thoughts on how I should navigate this situation? Your guidance would be invaluable as I try to understand my place and expectations in this new dynamic. Thank you for your consideration. I look forward to your response.
Ans: Dear Sir,

He is your son and your blood. You have brought him up ....your values and culture is in him. You have supported him wholeheartedly and you have always been there for him, I am sure he will be there for you too. Just sit down with your son and have a heart to heart talk with him, have the faith that you have brought up your son well, he will listen to your genuine concerns and help you out.

It is just that he is too eager to fly high, the education, the US culture, the freedom is a heady combination right now. Participate in his plans wholeheartedly and with full josh when he shares his plans with you. Don't come in his way, don't demand but ask him to help you out. Please remember that when your child stays away from you, the bonds require efforts to rebuild and make them strong again. Since he is no longer staying with you, he may not have the clear picture of what is happening in your lives here. So please " TALK " to him face to face.

You must be happy that your son has grown up enough to make his life decisions on his own, this is a good sign, he is no longer dependent on you, like you said just be proud of him and be supportive. Love him unconditionally. I know as a parent you feel left out..... what can you do, but to see your little one soar high, trust me I totally understand how you feel. You have given him the wings by funding his education, you can't demand he return the money or pay you back. What you can do is this... give him a proper picture of your financial condition, your younger son's aspirations, he is your eldest, elder children are always responsible, he will come to your rescue and help you out I am very sure of that. Let the language of love and togetherness between the son and father create the magic. Communicate with your child dear father, that's the key, that's the solution.

All the very best!!

...Read more

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