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Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 02, 2023

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
Asked by Anonymous - Aug 31, 2023Hindi
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Relationship

Dear Sir/Madam, I've been into homosex since childhood (not sure at what age). After I got married, I realized that I'm a gay so not interested in women. Fortunately, I have a 3 yrs old kid but I'm not giving the happiness to my wife which she deserves. Now neither I can't come out to my family as gay nor I can fulfill my wife's needs which totally unfair. I'm in a guilt and deep depression thinking of this every day. I still keep meeting guys secretly even after know that it is not right and even though I wish but I cannot tell my wife to find someone else or divorce. I sometimes even feel like to commit suicide but again I'm literally worried about my kid who has a bright future.

Ans: Dear Anonymous,
You are possibly one of many who haven't had a fair chance to 'come out' due to the taboo that still exists on 'other' sexual orientations.
But now, here there's a wife and child...Don't they deserve to know the truth?
Yes, but will your wife be able to handle the truth?
The more you keep it within you and lead this double life, the more it's going to eat you up.

2 choices; make one...
1. Continue the way that you have been doing; but know that it's going to stress you to a great level leading two lives in parallel
2. Speak your truth; but know that you do risk losing what you have now

You have to make a choice and stick with it...both have their massive downsides but at least you know you have chosen one way. But at no point oscillate; that will tear you apart.
You know your situation and the emotions of your dear ones; take a call and step up to it!

(SUICIDE IS NOT AN OPTION; BUT MAKING A CHOICE IS AN OPTION!) You deserve a lot of kindness; so give it to yourself...

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 27, 2020

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Relationship
Hello Anu, I am 48, male. I married in 2007 and we were blessed with a daughter in 2015. Ever since we were pregnant, I left my regular job and started working from home instead. Things went off smooth and professionally there is not much of a problem. Agreed, 2020 has been quite a bad year for almost everyone and I am no exception. But then, things are somewhat better with me when I see people around and learn about their getting unemployed or otherwise. My problem is related to family, relationship with my wife and this has started playing on me. The last time we indulged in any sexual activity was probably before my wife became pregnant. And even before that, she was always uninterested in having anything physical between us. At max, we would have sex just once a month. But after her birth, we have never had sex, no time together. The most we talk about in a day is the stock of this is finishing up or you need to get this or that kind of things. She works in an office, so she has friends, people whom she can talk to and spend time. I stay home caring for my daughter. Though most of the day is spent with caring for her, there is something that is dying inside me. I had tried asking her to make a visit to the consultant locally, but she has always denied. And she keeps telling me that all I need is sex from her, which of course has never been true. I wished there was some medical solution for my problems but I know there is nothing wrong. It is just some psychological issue. At times I just want to leave up everything and quit, but then I prefer not to do it thinking about the daughter. I now feel that I do need some friends, but at my age, finding them is also tough. I do not feel comfortable talking about these issues to even my friends because - 1. I do not feel that close with any and 2. I wonder, if any of those confronted up my wife with this - that would be asking for a chaos as well. I could go on into more details but am unsure if you would have that enough time. Please suggest if you can.
Ans: Dear PK, firstly, Parenting is a lot of work and to be a full-time parent from home, like you are right now, requires a lot of time and energy. Also, let’s not deny and most mothers/parents/others who are full time caregivers of a child will whisper and not say it aloud that doing that 24*7 without a break can be stressful and even monotonous at times.

They are encouraged to take a break every once in a while, to rejuvenate so they can do more and feel less exhausted.

It is pretty normal for women to lose interest in sex for a few weeks or perhaps months after the baby is born as the hormones now secreted elude her away from simply being a wife and the loving mother takes over.

This can cause a lot of rift between the new parents as the man obviously is not aware of this fact.

A book can throw more light on this and I cannot be more emphatic and say this here that it helps when the woman doesn’t have to worry about her husband and focus on bonding with the child which is of utmost importance for the development and growth of the baby.

Besides, there are other forms of affection/intimacy that can be explored so the new parents still manage to keep the spark alive.

The fact of your wife having a parallel life at her work place has become a dampener in your mind as she is definitely able to have a social life at least part of the day whereas you are not.

I do suggest you cook up some ‘Me Time’ over the weekends when your wife can bond with the baby and you can meet friends and simply unwind so that you back with a renewed vigour as the week begins.

And, it is possible to make friends at any age. Anyone who shares common interests and hobbies, can become a part of your inner circle.

It is apparent that both of you have lost communication and either your wife is unaware about how you feel or maybe she is going through something that you don’t know of.

If she isn’t comfortable going to a professional, take charge and revive your communication. Babies can demand a lot of time from their parents and if you can have someone trustworthy to watch the baby for a couple of hours over the weekend, where you and your wife can have some time to yourselves, that might help.

We can go on struggling or we can step up and do something about it. So, give it your best for yourself and your family.

Happy Bonding and have a great life!

..Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
Hello mam, I have come to know about you through an article I read online. I am mailing you regarding my problem. Please make it anonymous. I'm married for 10 years. I have a son who is 6 years old. After my delivery, my husband distanced me. Since then, we use to fight a lot. Both of us are abusive and there is no physical relation between us. I told the same to my parents, and they suggested that I adjust keeping in mind the society and asked me to try for a job to deviate my mind. Once I checked my husband phone and there was a history of homosexual p**n videos. When I asked him the same, he refused. There is no happiness and only fights. I have even made suicidal attempts and was admitted to the hospital for taking expired pills. I’m an old traditioned woman, unable to move out of marriage as I can’t handle being alone. At the same time, I am unable to understand my husband’s behaviour. He is saying he will be like that only, If you want you can stay or leave. He will not tell me anything about his family – when his father passed away due to covid, he left home without telling me. I knew about it from other relatives.
Ans:

Dear GV,

Thank you for reading my content. Hope it helps.

I can only imagine the trap that you are in. So, why are you choosing to be trapped even further?

  • Do you see any scope in your husband changing?
  • Do you know anything about his sexual orientation?
  • Do you feel that the two of you can rebuild your marriage?

If the answer to the above is NO, then time to break out of your so-called traditional mindset.

Do you really want to live in this set-up and have your son grow up unstable?

I am sure that as a mother you do want to provide him with a stable and loving environment.

Then, you need to think differently about your old beliefs and see if they are worth holding onto.

The older generation might have held onto marriages even if they were abusive. But things have changed.

Even if you are not financially independent, there are venues to change that. You only need to change the way you think.

Check with yourself if continuing this way is going to give you anything great in return or is it going to steal your spirit away.

The choice is yours but do know that you have a son to take care of as well.

Start by gaining a good circle of supporters that includes your parents and close friends who can help you through this massive change to enable you take charge of your life.

All the best!

..Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 16, 2024

Asked by Anonymous - Oct 08, 2024Hindi
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Relationship
I have a very happy family and one daughter pursuing graduation and son at standard 8. Although I don't have any big issue at my home but my testosterone levels are pretty high. Therefore I am attracted towards ladies and unless ladies offer themselves I never ever have asked anyone for any favour. Since my marriage I have extra marital relation with three different persons. All the time I have shared my things with my wife. She hardly accepts and after lot of persuasion she gets calm. Since my wife has menopause at the age of 40 and she does not display a very happy mood I am always attracted towards outsiders. Even I wanted her to allow me with one of her schoolmate who also have shared her with me. But my wife became furious and has now threatened to legal course of action. What to do? Although I know my desires are already on a negative platform, even then how to control biological requirement?
Ans: Dear Anonymous,
You say that you don't have any big issues at home, but your wife has threatened you with legal action is not a big issue?
The reasons for it seem very clear that you continue to look for relationships outside of your marriage because your wife is not interested in sex and then you expect her to accept your lifestyle...
She does not accept it and hence has gone the legal way; should that not tell you how right from the beginning of marriage you have been the cause for it to fail?
Rather than just blaming your high testosterone levels which could have been managed, you chose the easy way out by sleeping with multiple women and you think your wife must be okay with it?
So, kindly reevaluate how much you value your wife and your marriage. If this still matters, then I am sure you will make an effort to put things back together between the two of you...As for your high testosterone levels, there are ways in which you can manage (you know for sure how) them without getting into relationships with so many women that come and complicate things 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/

..Read more

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Ramalingam

Ramalingam Kalirajan  |8183 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi
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Money
i need guidance. i am 63 yrs with housing loan of 70lakh. Only asset is a house with market value 2 crore. i have 2 daughters to be married. I need to retire and start my practice as doctor. Guie me to a investment to live with 30000 monthly and to buy a house 0f 8 lakhs after disposing the property/ Presently earning 1.5L per month. pl suggest. shud i sell the property
Ans: Your situation requires a well-thought-out financial strategy. You have a housing loan of Rs 70 lakh, a house worth Rs 2 crore, and a need for Rs 30,000 per month after retirement. Additionally, you plan to buy a house worth Rs 8 lakh and have two daughters to be married. Below is a structured approach to help you achieve financial stability.

Selling the Property – A Necessary Step?
Selling your house is a practical option. Your outstanding loan is Rs 70 lakh, and the house is worth Rs 2 crore.

After repaying the loan, you will have Rs 1.3 crore. This can be used for investments and future expenses.

If you continue living in this house, EMIs will be a burden. Selling will free you from debt and give you financial stability.

Consider renting a home instead of buying again. This will keep more money available for investments.

Buying a House for Rs 8 Lakh
If you want to buy a smaller house for Rs 8 lakh, use only a small portion of your funds.

Avoid taking another loan. Pay for the house in full from the sale proceeds.

Ensure the house is in a location with good facilities, medical access, and safety.

Creating an Investment Plan for Rs 1.3 Crore
After selling your house and clearing the loan, you will need an investment plan.

Keep Rs 10-15 lakh in a bank FD or liquid mutual funds. This will act as an emergency fund.

Invest Rs 30-40 lakh in debt mutual funds. These provide stability and liquidity.

Invest Rs 50 lakh in equity mutual funds for long-term wealth growth. Use regular plans with a Certified Financial Planner.

Keep Rs 10-15 lakh in a balanced fund for moderate returns with lower risk.

Generating Rs 30,000 Monthly Income
Debt mutual funds can provide a stable withdrawal option. Withdraw systematically for monthly expenses.

Use a mix of dividend and growth options. This ensures you get both regular income and capital appreciation.

Equity funds will provide growth, helping you sustain your money for 20-25 years.

Managing Daughters’ Marriage Expenses
If you need Rs 20-30 lakh for each daughter’s wedding, set aside Rs 40-60 lakh from the sale proceeds.

Invest this amount in a mix of debt and equity funds. This will help you reach your goal in a few years.

Avoid withdrawing from your retirement corpus for wedding expenses.

Starting Your Medical Practice
If you plan to start a medical practice, keep Rs 10-20 lakh for setting it up.

Avoid heavy investments in infrastructure initially. Work from an existing clinic or shared space.

Ensure you have medical indemnity insurance to protect yourself.

Final Insights
Selling your house will give you financial freedom and remove loan pressure.

Invest wisely to generate a steady monthly income and secure your daughters' futures.

Do not invest in real estate again. Keep your funds liquid and flexible.

Work with a Certified Financial Planner to review your investments regularly.

Focus on financial security rather than high-risk investments.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8183 Answers  |Ask -

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

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Dear Sir, I am 47 years old IT professional. My current salary is 1.5 lakhs per month. I have a daughter who just completed her 10th board exam. My corpus is around 1.6Cr FD&PPF; 30 lakhs in MF & stocks; 50 lakhs in EPF. I have no debt and living in my own house. Please suggest if I can plan for retirement
Ans: Your financial position is strong, and planning for retirement at 47 is a smart decision. Below is a detailed 360-degree approach to assess whether you can retire comfortably and how to ensure financial security.

Understanding Your Current Financial Position
Income: Rs 1.5 lakh per month.

Corpus:

Rs 1.6 crore in Fixed Deposits (FD) and Public Provident Fund (PPF).

Rs 30 lakh in mutual funds and stocks.

Rs 50 lakh in Employees' Provident Fund (EPF).

Liabilities: No debts.

Assets: Own house, ensuring no rent or EMI burden.

Family Responsibility:

Daughter has just completed the 10th board exam.

Higher education expenses need to be planned.

Key Considerations Before Retirement
Expected Retirement Age

If you plan to retire early (before 55), corpus sustainability needs careful assessment.

If you work till 60, it will provide a larger financial cushion.

Post-Retirement Expenses

Living expenses, healthcare, travel, and lifestyle costs must be considered.

Inflation will increase future expenses.

Daughter’s Education

Higher education costs are significant.

Corpus should cover both education and retirement without compromise.

Medical Expenses

Health costs increase with age.

A high health insurance cover is essential.

Wealth Growth vs. Safety

A mix of equity and debt investments ensures growth while preserving capital.

Excessive reliance on FDs and PPF may limit long-term wealth accumulation.

Assessing If You Can Retire Comfortably
Current Corpus Size

Rs 2.4 crore (excluding house) is a strong starting point.

But, inflation will reduce its real value over time.

Expected Corpus Growth

Investments in mutual funds and stocks should continue to grow.

PPF and EPF offer stable but lower returns.

Withdrawals Post-Retirement

Sustainable withdrawals should not deplete the corpus too soon.

A balanced investment strategy is required.

Gaps in Planning

Heavy reliance on FDs and PPF may not be ideal.

More equity exposure can ensure inflation-beating returns.

Steps to Strengthen Your Retirement Plan
1. Optimising Investment Strategy
Continue investing in mutual funds with a mix of large-cap, mid-cap, and flexi-cap funds.

Reduce dependence on FDs for long-term needs.

Equity mutual funds help counter inflation and grow wealth.

Avoid index funds as they provide average returns without active management.

Regular funds through a Certified Financial Planner (CFP) offer expert monitoring.

Diversify investments between equity, debt, and fixed-income products.

2. Planning for Daughter’s Education
Higher education costs can be Rs 30-50 lakh in the next 5-7 years.

Separate this goal from your retirement plan.

Increase equity investment to build an education corpus.

Avoid withdrawing from retirement savings for education.

3. Building a Healthcare Safety Net
Health insurance should cover at least Rs 30-50 lakh.

Consider super top-up plans for additional coverage.

Maintain an emergency medical fund to cover non-insured expenses.

Review insurance policies periodically.

4. Creating a Sustainable Withdrawal Plan
Avoid withdrawing a large portion of the corpus in early retirement years.

Keep at least 5 years of expenses in liquid assets.

Equity exposure should reduce gradually as retirement progresses.

Use dividends and interest income before selling assets.

Final Insights
Retirement is possible, but adjustments are needed for long-term security.

Continue investing aggressively for the next few years.

Ensure daughter's education is planned separately.

Review investments and insurance regularly.

Keep flexibility in withdrawal strategy post-retirement.

A structured plan will ensure a financially secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8183 Answers  |Ask -

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

Asked by Anonymous - Apr 03, 2025Hindi
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Money
My employer offers a salary sacrifice scheme for pension contributions, but I don't fully understand how it works. What are the potential advantages and disadvantages of joining such a scheme, and how does it affect my take-home pay and long-term financial planning?
Ans: A salary sacrifice scheme for pension contributions allows you to give up a portion of your salary in exchange for increased employer contributions to your pension. It has tax and National Insurance (NI) advantages but also some potential drawbacks.

How Salary Sacrifice for Pension Works
You agree to reduce your gross salary by a chosen amount.

Your employer contributes this amount directly to your pension.

Since your taxable salary is lower, you pay less income tax and NI.

Your employer also saves on NI and may pass on some or all of this saving to your pension.

Advantages
1. Tax and NI Savings
You don’t pay income tax or NI on the sacrificed amount.

Your employer saves on NI (currently 13.8%) and may increase your pension with these savings.

2. Higher Pension Contributions
Since more money goes into your pension, your retirement corpus grows faster.

Compounding over time enhances long-term wealth.

3. Increased Take-Home Pay
Although you sacrifice part of your salary, the NI savings may offset some of the reduction.

Depending on employer policies, your net pay may not drop significantly.

4. Potential Employer Matching
Some employers pass their NI savings into your pension, increasing your total contributions.

Disadvantages
1. Reduced Gross Salary
A lower salary means reduced future pay rises if they are percentage-based.

Life cover, sick pay, and redundancy pay linked to salary may be affected.

2. Lower Borrowing Capacity
Mortgage applications consider salary; a lower reported income might reduce borrowing potential.

3. Impact on State Benefits
If salary drops below certain thresholds, statutory benefits like maternity pay and state pension could be affected.

4. Restricted Access to Pension
The extra pension savings cannot be accessed before retirement (except under specific conditions).

Effect on Take-Home Pay
Your net pay will be slightly lower, but less than the actual amount sacrificed.

The tax and NI savings cushion the impact.

If your employer adds their NI savings, your total retirement savings increase.

Effect on Long-Term Financial Planning
Your pension fund grows faster, improving retirement security.

Short-term disposable income is slightly reduced, so budget planning is important.

Consider how the reduced salary affects other financial goals like buying a house or saving for education.

Should You Opt for It?
If employer NI savings are passed to your pension, it’s highly beneficial.

If you are close to lower tax bands or state benefit thresholds, assess the impact.

If you plan to apply for a mortgage, check how it affects your eligibility.

A Certified Financial Planner (CFP) can help assess your personal situation before making a decision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8183 Answers  |Ask -

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

Asked by Anonymous - Apr 03, 2025Hindi
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Money
Hi Sir , Greetings of the day!! hope you are doing well !! I want to do a savings of 50 lacs in as much less time span as possible because I want to buy a property in Gurgaon. My monthly salary is 1 lac 11k and I am currently investing 10k in mutual fund monthly and 50k in nps yearly. Can you please guide me how can I save 50 lacs and in how much time ?
Ans: Your goal of saving Rs 50 lakh for a property in Gurgaon is ambitious but achievable with the right strategy. Below is a structured approach to help you reach your target in the shortest possible time.

Understanding Your Current Financial Position
Your monthly salary is Rs 1.11 lakh.

You invest Rs 10,000 per month in mutual funds.

Your annual NPS contribution is Rs 50,000.

You haven't mentioned any liabilities or existing savings. If you have any ongoing EMIs or debts, they should be factored in.

Key Considerations for Achieving Rs 50 Lakh Target
The speed of reaching Rs 50 lakh depends on savings rate and returns.

High savings rate is the most reliable way to accumulate wealth.

Investment returns are uncertain and depend on market conditions.

A balanced approach is necessary to ensure stability and growth.

Increasing Your Savings Rate
Currently, you are investing Rs 10,000 per month.

If you can increase it to Rs 50,000 per month, you will reach Rs 50 lakh faster.

Cutting discretionary expenses will free up more money for investments.

Consider reducing unnecessary spending on dining out, luxury items, and vacations.

Redirect bonuses, incentives, or salary hikes towards savings.

Choosing the Right Investment Instruments
Mutual Funds for Growth
Actively managed equity mutual funds can generate better returns than fixed deposits.

A mix of large-cap, mid-cap, and small-cap funds can balance risk and reward.

Mid-cap and small-cap funds have higher growth potential but also higher volatility.

Avoid index funds as they provide average returns and lack active risk management.

Debt Investments for Stability
Fixed deposits, debt mutual funds, and PPF provide stability.

These should be used for short-term parking rather than long-term growth.

Debt mutual funds are taxed based on your income tax slab.

Avoid locking too much money in low-return instruments.

Balancing Risk and Return
Investing entirely in equity mutual funds can generate high returns but comes with volatility.

A mix of 80% equity and 20% debt can provide stability.

As your target nears, shift more funds towards safer instruments.

Avoid speculation and high-risk investments like cryptocurrency.

Role of NPS in Your Goal
NPS is good for retirement but not ideal for short-term goals.

Partial withdrawal is allowed only under specific conditions.

Do not rely on NPS for your property purchase.

Managing Tax Efficiency
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Debt mutual fund gains are taxed as per your income slab.

Investing in tax-efficient instruments will maximize returns.

Estimating the Timeframe
If you invest Rs 50,000 per month, you can accumulate Rs 50 lakh in about 7-8 years with moderate returns.

If you invest Rs 75,000 per month, you can reach Rs 50 lakh in about 5 years.

The faster you increase your savings, the sooner you will achieve your goal.

Final Insights
Increase your monthly investment to at least Rs 50,000.

Focus on actively managed equity mutual funds.

Keep a small portion in debt for stability.

Avoid unnecessary expenses and invest salary increments.

Do not depend on NPS for this goal.

Monitor and adjust your portfolio as needed.

Stay disciplined and patient to achieve your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

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