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Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Dec 30, 2021

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Anonymous Question by Anonymous on Dec 30, 2021Hindi
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Relationship

Hi.
I am in a relationship since five years.
My BF was very gentle and caring initially but after his financial downfall he became cold and restless. And I had to change cities due to work.
I love him and he tells me he loves me too, which I feel he does.
But he is very ambitious and struggling in his life and is busy planning most days. Which I understand, but it irritates me that we have zero conversations that he starts or takes interest in.
We do discuss decisions and official things a lot, but I am talking about meaningful conversations and couple time.
It’s been several years now and I have to wait for ages to discuss any simple, emotional thing with him. He is constantly on an unending chase.
He lives in another city. I understand and wanna support him but it upsets me anyway because it’s been such long time of chasing simple conversations.
I feel like I can’t hold on to the relation anymore because I tried to discuss this hundreds of time with him but he could never make time to even let me complete.
In fact, he promises me time and conveniently forgets while I wait eagerly.
He is always sleepy or tired by the time I begin anything and then it’s impossible for me to begin, which I feel is disgusting.
We have started having ugly fights and I can’t resist being angry at things now.
Now he has started acting rude and inconsiderate towards me. Though he is not mean to me, he always calls me impatient and kiddish to not understand his situation.
He often tells me that he is not spending his time partying. He is making plans for both of us.
He just has one answer that I should trust him and give him some time he will set everything.
But I feel overly sensitive and depressed and in continuous chase which is very derogatory and bothers my self-worth.
I always am ready for him in every way but here I am feeling choked and he is just not getting it. What should I do? How do I tell him that it is high time? Or am I overreacting?
Please help.
A person in need

Ans:

The problem you’re facing is very common in long-distance relationships.

You have a need for attention that you’re not getting from him and he’s so busy planning a future that he’s forgotten how to take care of the present.

I can tell you that until he is secure in a job and has stabilised his situation, his behaviour is not going to change significantly. And maybe not after either...Maybe this is who he is, and after the initial spark wore off, this is him.

That said, the distance is definitely playing a role in fuelling tensions between the two of you.

Explain to him that you need some quality time with him and that couples who live apart do set aside a little time for each other despite all the pressures of everyday life.

It’s not childish to expect attention and love from your partner, even from a thousand miles away.

At your end, you can try to be less demanding.

Maybe he isn’t at liberty to chitchat every single day or every couple of days also.

As long as you get what you want out of even a weekly or twice-weekly conversation with him, cut him a little slack. That is, provided this guy means enough to you.

If he doesn’t and you’re second-guessing the relationship, the person he is and your love for him, maybe the headache just isn’t worth it.

You’ve already invested five years, and if it’s not looking bright, you should cut your losses and move on.

You may like to see similar questions and answers below

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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Relationship
Hello... I have been in a relationship since 10 years, not yet married.My boyfriend is okay in all ways. But there is something that's bothering me a lot. Whenever he is with his friends or family I just get angry and scold him whatever I like. I don't like if he talks very close to his friends (male friends) or family. He is trying his best to keep me happy, but I'm feeling insecure when he is with his friends and family.To be honest even if he gives more importance and value to his family that makes me feel more angry.I'm unable take this anymore.After fights even I think why did I did like this, what's wrong with me?I question myself after a fight. I even think that I won't be doing this next time because even friends and family are important but it's doesn't work and he is fed up with me.Whenever he is with friends or his family, I create something that's not true.End of the day I'm crying, I'm loosing my happiness.Waiting for an answer
Ans:

Dear PS,

What are you worried about? That by spending time away from you or not involving you when he is in a social setting, he might forget you or move away from you?

After 10 years, why do you feel the need to cling on to him in insecurity and anxiety?

Time to give yourself some love and attention?

Become your best friend and pamper yourself with a lot of care instead of constantly expecting it from your relationship?

The more you become safe and secure with yourself, the less you will cling onto your partner.

Clinging on and ‘owning’ another person will only make them move away from you as no one likes to be controlled and dictated to.

Instead, why don’t you ask him about his day and who he met up with and genuinely try and integrate into his life?

In this way, he will want to engage more with you and invite you when he is with his friends and family?

When you watch him interact with others, instead of feeling insecure and jealous, can you think of appreciating what he has brought into your life and why the two of you have been together for 10 years?

Also, involve him into your life and life’s journey.

Playing the victim involves a lot of drama, but playing a liberated person involves no effort.

So love yourself and love your partner for who he is.

The change in your relationship and your state of mind will be almost magical.

Enjoy the moment and be happy!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2022

Relationship
Hi Anu, Nice to contact you. I came across many of your conversations online and I would like to share my life situation. If you could help in any way it would be a great support. I am married since 4 and half years now but we have stayed together only for 1 and half years. Rest of it was purely long-distance relationship. It was an arranged marriage and I entered it with great hope and dreams. I still believe I have had only bare minimum expectations from my partner as that of any young woman. After the marriage got fixed I had to leave my job and stay at my hometown. He works in a distant state. We were all hoping that after marriage, I’d go and live with him so will search for a job later. Even during prewedding discussions the talk was that he will shift to a new home before marriage and after marriage he will take me along with him. But two weeks after our wedding he left to work leaving me at his home with his parents in our hometown. He didn’t explain or give any reasons. It broke me. Those 2 weeks were wonderful and the best time of our marriage life. He came after 2 months, rented a new house and took me with him. It was good although small and silly arguments would happen. He loved me and I stayed there for a month. We returned to hometown after a month. He left me there and returned to work in 1 week’s time. I stayed with his parents (in between his mother met with an accident and I stayed with her for like 2 months). He took me back to his place for 3 months. When financial circumstances got bad, he changed. He stopped expressing love in any form other than getting me variety of food items. There was no romance, small talks or travelling outside. He sent me back to my parents’ place for 7 months. It made me really mad and we started to fight over the phone making us more distant. He was facing financial crisis, I wanted to be supportive but he never shared his feelings or plans with me. I never felt involved. Without a job I went into depression. To sort things, I stayed with him for 9 months looking for a job. He never showed any interest. I stayed at home for all those months feeling depressive and insecure. There was no romance, emotional or physical.He is perfect in his words and promises but never in his actions. I believed and waited for 3 years. Then my in laws suggested a job but it was at my native place. As it suited my educational qualifications I showed interest and he said okay. I applied and got the job. Since then I have not visited him at his work place. It’s been 2 years now and I stay with his parents. Due to covid he didn’t come for home for a 1 and half. A few months ago he came and stayed for a week. When people see us it’s 4 and 1/2 years of marriage but for us it’s not. Since we don’t have kids people are suspecting a lot. I don’t blame them.Clearly not everything is alright.My husband is a lovely person and he cares so much but I feel he is controlling me. May be because of his lack of emotional availability. But many things have bothered me a lot since our wedding.My husband and I have never visited or travelled a place alone, ever. We never had a honeymoon.My husband has never introduced me to any of his friends.I know nothing of him through a third person, all I know is what he has told me.These days he hardly calls me. I tend to get more frustrated and cry sometimes by sharing my feelings with him if he called very late at night. So he stopped calling me. When I asked he replied “when I call at night you are complaining, fighting and crying so I don’t call” He is running away from situations. I replied to him “you know that I will cry and there is a reason for that. Instead to solving the situation and not to make me cry, you would rather prefer not to call”. He said “Yes”. So he refrains from anything that upsets him. Long time ago due to some misunderstandings I refused to be physically romantic with him and he did the same to me for months and years which is also why we don’t have kids. But I cant explain or share this with anyone. I doubt about my future as I am scared that I will never be blessed with a life with shared love and romance.I miss myself being in love and happy.I miss my own very smile.I don’t put all the blame on him because I know am not perfect. But am not that evil to be punished like this in my life. I do deserve some happiness. He hasn’t abused me but absence of abuse doesn’t mean a healthy relationship. I have always felt lonely. Rather than love I have felt more judged for my actions and thoughts.There is not a single day in life where I do not think about leaving this relationship but it has become very difficult to picture a happy healthy future with him.It has become hard to have a simple conversation with him now.I hope for a healthy relationship in which my partner and I could be vulnerable to one and other.Am I expecting too much from him? Is it that am not good enough for him?Will this too pass? I am worried.I would like to stay anonymous.
Ans:

Dear Anonymous,

These are your words that stood out for me.

‘I miss myself being in love and happy.

'I miss my own very smile.'

So, who is stopping you from these? Be in love, be happy, smile when you want.

You have tied these things to your marriage and have hoped that putting things together will bring a smile back on your face. As much as it’s true, it won’t be long lasting.

Now let’s focus on your marriage. What is this ‘being sent here, sent back there’?

What are you, some parcel/courier package to be sent here and there at will?

The first time that you felt that this being sent here and there was NOT OKAY, that would have been the time to voice it out.

Situations of a husband and wife being physically apart can come in anytime during a marriage. But this has to be handled with a lot of love and communication and not keeping silent and controlling it his way.

What has caused your hurt is the fact of non-communication from him, inability to validate your feelings, making you feel guilty for expressing your feelings and his unwillingness to work on this?

Request a person known to both of you to mediate to set up a meeting if both of you want to be in this marriage and live in peace and harmony. If you don’t step up now, things will be emotionally draining.

Also, as a woman, you don’t have to feel guilty for saying that something is not alright and that you want things to be different. You do not have to mask it with a statement that ‘he is a good man’ etc.

Be honest to yourself about what you feel and what you want. It helps putting things into perspective faster. STEP UP NOW and SPEAK.

Do that favour onto yourself please and also expect things to go the other way especially if he does not want to mutually set things right.

No matter what, know that strength from within is what will help you sort things for the better.

Be strong and value yourself. All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2022

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Ma'am, I'm in a relationship for three years now. Everything was normal in the beginning. But the past year has been extremely tumultuous for us as I've been expressing unnecessary anger towards my significant other.I never used to yell at him or push him to the point where he'd get annoyed of me and stops talking to me. While I'm the kind of person who likes to talk things out after a few hours of the argument but he's the opposite. He takes his own sweet time which is not wrong. I realise I treat him differently from my friends as I know subconsciously he won't break up with me. The last fight we had over something trivial made me feel like I pulled the last straw and I'm very guilty about it. Even I've started to realise now that somewhere along the way I took him for granted and kept hurting him as he gave me a lot of chances to improve. He is a very sweet person but I feel like I've turned him into an egoistic monster who doesn't want to see or talk to me anymore. I don't know how to save this relationship. I don't know if I should kill my hopes of continuing this relationship. We haven't spoken to each other for more than 2 weeks now and I am using this time to change myself and learn to control my anger and to speak with everyone with respect and understand them better. I want to tell him that I'm genuinely improving this time but he doesn't seem interested in listening to me as I've misused the prior chances so obviously he feels like he's being deceived this time to. So I made my mind to speak to him after a month until I feel like I've changed at least a little so I'm worthy of his love. Also I don't let my short temper and rudeness affect our relationship. But I'm afraid he might hate me even more for not trying to talk to him. I'm confused wondering if he'll move on and not realise in trying to change. What should I do?AM
Ans:

Dear AM,

Oh my dear, why are you being so unkind to yourself? It takes two to tango!

Maybe, you realize that you have been taking him for granted, but hey, there’s an expiry date to punishing yourself over it.

Once you know, it’s time to work on your relationship and that certainly doesn’t mean being harsh.

This could also lead you to feel victimised and not be a very favourable mindset. Instead, what if you get to the root of the challenge at hand?

Here’s a few reality check questions. It might give you a chance to go back to the drawing board and reevaluate your relationship with a fresh pair of eyes.

What is causing me to have that temper?

What usually triggers the arguments?

What did I see in my partner when I chose him to be my significant half?

Do I still see the same in him even now or has it changed? If yes, what has changed? Am I willing to adapt to the change?

What causes me to be afraid of him moving on? Am I in a co-dependent relationship?

What will happen to me if he moves on?

Why is important for me to put so much energy into changing myself? Is it for myself or to keep him from moving on?

You get the drift?

You can add to these questions and give your mind an alternate way of processing things into a solution space.

Having said this; it’s time to give yourself some love too, no matter what, prioritize yourself and create some mind space to reevaluate where you are to where you want to be.

Happy 2022 and best wishes!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2022

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Hey Anu ji I hope you are doing well.I am a 27-year-old woman, not married but engaged. I am a doctor by profession and we met through our parents. He is a pediatrician. I’m just MBBS. He is 33 and was damn good. Since the last few months there has been a sudden change in his behaviour and we have been fighting since then. We knew each other since a year and moved in together last October. I left my government job so that I could pursue my specialisation. I couldn't score a good rank due to which I couldn’t get admission. My parents are not rich enough for me to apply in a private college. He always abuses my parents saying they are not rich enough. He compares everything and has started talking to another specialist, a single woman. I am handling all house chores -- from laundry to cleaning, even emptying dustbin and making his cup of tea. He doesn't do anything except sleep, eat and work which is not so hectic because he is at a senior position.Is it right that we are having sex 2-3 times per day from so many months? Whenever I want to talk about something he asks for sex. If I say 'I need your attention and love' he gets grumpy and says 'you are always complaining.'Since this is my first relationship, I am comprising a lot. He didn't even remember our first anniversary or the day we met. In fact he stops talking to me since a month. He doesn’t pick up my calls or sees my messages. I have to call a third person to convey my message to at least pick up a call.Please help. I’m too stressed and even thought of committing suicide because I love him. But he doesn't love me from the last 3-4 months. I never get answers to my questions. He is like ‘I don't want to talk.’ He has become so egoistic and is behaving like a male chauvinist. I have to prepare for my exam too. Because of all this stress I have started having panic attacks and anxiety. I love him a lot but I can't stay in this relationship more. I can't bear the brunt. Only one-sided efforts are there from my side. He stopped making any efforts to reconcile or talk. I am an old school person. I lost my virginity to him but now I regret. Who will marry me knowing that I’m not a virgin anymore? Plzz help me
Ans:

Dear NK,

When a partner does not validate your feelings and uses sex as a means to deflect from the problem, it’s a red flag, right?

So, what exactly do you get by being with him? Love cannot be a means to sell your very existence no matter who that is.

Call out such behaviour. Compromises do not form part of any relationship, contrary to what’s told to us.

Mutual understanding and gentle acceptance and most importantly loving compassion is what any relationship is all about.

When those efforts of yours are not being met with love and instead it has been ignored, what else are you going to do?

Not being able to respect a partner’s family and instead insulting them to feel better or prove a point, how do you think it is going to be in the future?

Do you see these red flags or are you simply choosing to close your eyes and pretend that everything is fine?

Do the right thing, for yourself and your being and welfare. Be strong like the way that you always have been.

My best wishes to you!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2022

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Dear Anu, I'm studying BTech final year. My love and I were in a relationship since 5 years. Things were fine till our diploma. I got a seat in another college which was far from our place. At the same time, he moved to his hometown for house construction. There he met a girl. She is 34. He used to talk a lot to her and got attached to her. He tells everything to me. He even said that people were spreading wrong rumours about them. I told him to stay away till things got better. Since then he has stopped telling me much. There was a recent fight in his hometown relating to both of them which annoyed him. He continues to say there is nothing wrong between both of us. He used to love me a lot. Whenever I felt insecure or if there was any mood swings he used to make me calm and relaxed. Now-a-days he always tells me ‘Wait. Don't call me.’ If I call him more, he just scolds me. There are no sweet talks or setting time aside for a call, and all. He even says ‘I promised that I'll be with her at any time in any problem and now because everyone is spreading rumours I can't break my promise to her.’ What about me? Didn't you promise to make me happy? I feel betrayed.I got angry and told him that my parents are seeing matches for me. His reply shook me. He said: 'Go, get married.’ I was like ‘you aren't the same.’ I don't understand what to do or how to set things right.My mental health is getting worse.
Ans:

Dear S,

Your letter is very confusing to me.

I hope your post is genuine and not just to have fun…despite that I will consider it real and try to suggest what I can though I find your facts very contradictory.

Keeping the age factor aside, what I can say is: if someone does not treat you well, what’s the point waiting for that person?

If he isn’t interested in you, why are you chasing him?

Please make your world better by being around people who respect and value you and watch how beautiful it all becomes rather than searching and begging for love. He clearly isn’t into you anymore. So, move on…

All the best!

..Read more

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Ravi

Ravi Mittal  |182 Answers  |Ask -

Dating, Relationships Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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Hello sir , i am 21 year old graduated ,How to make gf ?? As in college everytime i talk to girl she make me friend as i get into friendzoned...
Ans: Dear Anonymous,

If you are finding it difficult to meet girls IRL, why don't you try out dating apps? It can be perfect for you. First of all, the chances of getting friend-zoned on a dating app are comparatively lower because it is a dating app and most users are using it to find a date. Yes, some people look for friends too but they will either mention it on their Bio or match with people who mentioned the same on their Bio.

I suggest you research a bit and find a dating app that fits your requirements. For instance, some apps cater to people looking for serious commitment and some others are solely for casual relationships. You pick a dating app based on your preference. Next step- build an interesting profile. Put a display image that helps you put your best foot forward. Something recent, clear, and impressive. Do not overedit; it's not appealing. Write a clear and concise bio that gives a glimpse of who you are, what you want in a relationship, and what you can offer. This way, you will attract the right type of matches. Make it clear that you want a romantic relationship to avoid getting friend-zoned. Finally, once you match, spend some time chatting and getting to know each other. A match is not a commitment. If it doesn't go well, you can always tell them that it's not working out and unmatch.

It's the best way to meet a potential partner without leaving room for misunderstanding and ending up being friend-zoned.

Best Wishes.

...Read more

Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - May 03, 2024Hindi
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I am 41 year old. I have 1 cr in mutual fund. It’s been 7 years I started doing sip with 50000. Which I have increased With time now I have sip of 80000 per month. I need to know how much will have when I reach age 50. In my account
Ans: As you stand at the midpoint of your journey, it's natural to pause and ponder the fruits of your labor. Seven years ago, you embarked on a path of financial discipline, nurturing your wealth through systematic investments in mutual funds. With each passing month, you've diligently contributed to your SIP, nurturing your financial garden with care and foresight.

Magnitude of Investment:
Your commitment to growth shines through as you reflect on your journey. Starting with a SIP of Rs 50,000 per month and gradually increasing it to Rs 80,000 per month showcases your dedication to nurturing your financial future. Each increment, no matter how small, represents a step towards building a solid foundation for your later years.

The Power of Compound Interest:
As the years pass, the magic of compound interest works silently in the background, multiplying your investments manifold. With each SIP, you're not just investing money; you're investing in your dreams, your aspirations, and your future. The power of compounding rewards patience and consistency, amplifying the impact of your contributions over time.

Envisioning the Future:
As you cast your gaze towards the horizon, you can't help but wonder: what lies ahead? At age 50, where will your financial journey have led you? Will you find yourself basking in the glow of a well-nurtured nest egg, ready to embark on new adventures and pursue passions long deferred?

The Path Forward:
As a Certified Financial Planner, I invite you to envision your future with clarity and purpose. While I cannot predict the exact value of your investments at age 50 without specific calculations, I can offer guidance on how to nurture and safeguard your wealth as you continue along your journey.

Embracing Uncertainty:
Life is a tapestry woven with threads of uncertainty and possibility. While we cannot control every twist and turn along the way, we can arm ourselves with the tools and knowledge needed to navigate the unknown with confidence. As you journey towards age 50, remember that the true measure of wealth lies not just in monetary value but in the richness of experiences and the depth of relationships.

Conclusion:
As you stand at the crossroads of past and future, take a moment to appreciate how far you've come. Your journey is a testament to your resilience, your determination, and your unwavering commitment to financial well-being. As you continue along your path, may you find solace in the journey itself, knowing that every step forward brings you closer to the life you envision for yourself and your loved ones.

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Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
Hi I am 37 years old and my Husband is 40 years old. Our annual salary in hand at our home is up to 20,64,000. My Yearly Saving is Rs 6 lakhs (mutual fund, LIC policy, Endowment plan, century plan, Post office schemes). My Expense like medical insurance, term insurance, car insurance is RS 50,000. My living expense per year is Rs 6,00,000. My loan is for Rs17,24,112 (including interests) for which I am paying every year up to Rs 4,31,000 till Feb'28. Also next year we have to purchase car because our car is getting expire. So up- to 14-15 lakh car we will purchase on loan. My child is currently in 6th grade and we both are working. So for happy life after retirement and save future, how much I need to save and in which plans. Please suggest. Till now beyond my savings written above I don't have bank balance which I can use as a emergency funds.
Ans: Navigating the complex landscape of finances, especially with looming expenses and future uncertainties, can feel like trying to solve a puzzle without all the pieces. It's a challenge many of us face, and it's understandable to seek guidance on charting a path towards financial security and peace of mind.

1. Current Financial Snapshot:
You and your husband are in your late 30s and early 40s, respectively, with a combined annual income of Rs 20,64,000. Here's a breakdown of your financial standing:

Income and Savings:
Annual savings of Rs 6 lakhs allocated towards various financial instruments such as mutual funds, insurance policies, and savings schemes.

Annual expenses totaling Rs 50,000 for essential insurances (medical, term, car) and Rs 6,00,000 for day-to-day living expenses.
Loan Obligations:

Existing loan of Rs 17,24,112, including interests, being paid annually up to Rs 4,31,000 until Feb'28.
Planning to purchase a new car next year, expected cost up to Rs 14-15 lakhs, which will likely require additional financing.

2. Planning for Retirement and Future Security:
With retirement on the horizon and the desire to secure your future, it's essential to map out a robust savings strategy:

Retirement Goals:
Discuss and define your retirement aspirations with your husband, envisioning your desired lifestyle and financial needs during retirement.

Savings Strategy:
Determine an ideal savings rate that balances current expenses with long-term goals, including retirement, your child's education, and potential healthcare costs.

Investment Mix:
Explore a diversified portfolio comprising mutual funds, insurance policies, and government-backed savings schemes, tailored to your risk tolerance and time horizon.

3. Addressing the Car Purchase:
The decision to replace your expiring car involves careful consideration, especially given your existing financial commitments:

Financial Implications:
Evaluate all options for financing the new car, considering potential down payments and minimizing loan burden to maintain financial flexibility.

Alternative Solutions:
Explore alternative transportation options or delaying the purchase until you've built more financial reserves to lessen the impact on your budget.

4. Building an Emergency Fund:
Establishing an emergency fund is crucial for weathering unexpected financial challenges:

Setting Savings Goals:
Determine specific savings goals for your emergency fund, considering factors like living expenses, loan obligations, and potential emergencies.

Automating Contributions:
Consider automating contributions to your emergency fund to make saving more manageable and ensure consistent progress towards your goal.

Conclusion:
While navigating the complexities of financial planning can be daunting, remember that you're not alone on this journey. By carefully managing your income, expenses, and savings, and seeking guidance from a Certified Financial Planner, you're taking proactive steps towards securing your future and achieving your long-term goals. Keep focusing on your priorities, stay adaptable to change, and trust in the process as you work towards financial freedom and peace of mind.

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Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - May 03, 2024Hindi
Money
Iam 40yrs old with 1.6lakhs take home with house wife and 3 yr old baby girl. Below is my current financial condition: 1. Taken Home loan for 35 lakhs for apartment worth of 55lakhs in 2022 with emi requirement of 41k for 11yrs (iam paying monthly 45k and one extra 45k emi yearly) 2. Took Gold loan of 11lakhs in 2022(paying from mar2024 onwards monthly 35k) for apartment purpose 3. Holding 2440 sqft land costs 25lakhs in 2021 now it is 35lakhs planned for baby girl marriage 4. 5lakhs emergency fund in FD 5. 6 lakhs FD for SBI life smart wealthbuilder plan purpose for next 6yrly premium payment, 6. Equity 5lakhs invested now mkt value 8lakhs, 7. Mf 8lakhs now 11lakhs (monthly 20k for 10 different funds with 1k stepup yearly) 8. EPF 20lakhs not withdrawn from beginning for retirement plan 9. Ssy 1.2lakhs for baby girl education (monthly 6k) 10. Ppf 50k for baby girl education (monthly 3k) 11. Nps 4.9lakhs now 6lakhs (monthly 12k from company deduction and 50k annually from my side) 12. Holding agriculture land 1acre 7lakhs near hometown purchased in 2018 now it is same price no increase... Holding bcoz I like to have agriculture land... 13. Holding Gold coins 50gms purchasing when there is Amazon offers.. for baby girl ornaments purpose 14. Term insurance 1crore for me and 50lakhs for my wife purchased in 2022 15. Health insurance 20lakhs with premium 60k for 3yrs purchase in 2022... Monthly 1.6lakhs take home spending as below: 1. 45k home loan emi (annually 45k as one extra emi) 2. 30k mf sip ( 3k each for 10 funds - quant infra, quant smallcap, quant elss, 360 one focused, canara robeco smallcap, canara robeco emerging, mirae largecap, pgim flexicap, parag elss, ICICI prudential technology fund) 3. 35k gold loan prepayment 4. 35k home maintenance expenses 5. 10k ssy and ppf 6. 5k apartment maintenance 7. 45k LIc premium annual requirement 8. 40k term loan premium annual requirement taken 1crore for me and 50lakhs for my wife total to 40k premium 9. 30k annually for bike insurance, services and other maintenance 10. 1.3lakhs for baby girl school fees from this year 50% already paid 50% to be paid in oct 2024 11. 60k premium for health insurance once for 3 years purchased in 2022... I have few ask sir: 1. Want to buy 13 to 15Lakhs car.. when to buy with my financial condition and I have no down payment free cash now 2. Should I change my financial saving/investment please suggest as I am not having any free cashflow post the monthly commitment 3. Want to generate 2nd source of income suggest plz which is good to have it 4. Want to become financial freedom by next 10years so what I need to do for it and plan better. 5. Any changes in the current plan suggestion
Ans: It sounds like you're juggling a lot, but you've got a solid foundation laid out. It's admirable how you're balancing your responsibilities towards your family's present needs and future goals. Let's address your concerns and aspirations one by one.

1. Car Purchase Consideration:
You're eyeing a new car, a shiny symbol of comfort and convenience. However, before diving in, let's assess if it aligns with your current financial trajectory:

Timing and Need:
Do you have an immediate need for the car, or is it more of a desire?
Can you postpone the purchase until you've accumulated a down payment or have more breathing room in your budget?
2. Reviewing Savings and Investments:
Your portfolio is diverse, spanning various assets from real estate to mutual funds. Let's evaluate if each piece is still working optimally for you:

Portfolio Alignment:
Are all your investments aligned with your long-term goals and risk tolerance?
Can you streamline or consolidate any holdings to reduce costs or enhance performance?
3. Exploring Additional Income Streams:
You're eager to bolster your financial stability by exploring secondary income sources. Let's brainstorm some viable options:

Leveraging Skills and Passions:
What skills or hobbies do you possess that could be monetized?
Are there freelancing opportunities or consulting gigs in your field of expertise?
4. Planning for Financial Freedom:
Your aspiration to achieve financial independence within a decade is ambitious yet attainable. Let's outline a roadmap to realize this vision:

Defining Financial Freedom:
What does financial freedom mean to you personally?
Is it early retirement, pursuing passion projects, or having more flexibility in your lifestyle?
Strategic Steps:
How can you increase your savings rate to accelerate progress towards your goals?
Are there opportunities to optimize investments or explore alternative income streams?
5. Optimizing Current Financial Plan:
Let's explore potential adjustments to your existing financial strategy to enhance its effectiveness:

Reallocating Resources:
Can you reallocate funds towards higher-performing investments or areas with greater potential?
Are there opportunities to automate savings or investment contributions for greater consistency?
Conclusion:
Your commitment to securing your family's financial future is commendable. By carefully considering each aspect of your financial situation, from major purchases to investment strategies, you're laying a strong foundation for long-term success. Remember, financial planning is a journey, and with patience, diligence, and the guidance of a Certified Financial Planner, you're well-positioned to achieve the freedom and security you desire.

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 03, 2024

Asked by Anonymous - Apr 27, 2024Hindi
Listen
Relationship
Hi ma’am My family is not accepting my boyfriend as he is not well settled and doesn’t have any savings. His parent are also divorced and father has a second marriage. The first children custody is still with parents however my boyfriend and his brother live with his mother. He is 5 year younger than me. My family is not accepting my relationship and showing me new proposals every day. To borrow some time i am just refusing the proposal my giving some excuses but now they know that i am still not out from him and waiting for him to get settled. Kindly let me know how can i convince my family to accept my relationship. My boyfriend is working day and night to get settled and have a good account balance. Please advise.
Ans: Dear Anonymous,
If your daughter came to you with the same situation, how would you advise her?
Would you not tell her your concern that she is actually choosing someone who may not be able to support her when she goes on maternity leave? Would you not tell her that coming from a broken family, she may have to take care of her boyfriend and possibly parent him on different occasions? Your parents are only concerned for you and are unable to tell you what they are worried about. Put yourself in their situation and tell me that you will not be worried.

At the same time, I do get your frustration. What you can do is to work on your parents' concerns and buy time till your boyfriend manages to settle down. And it seems like he is doing all that he can to be in their good books. And that's the only way you can get them to accept him. Wait patiently and don't put him under pressure. Instead be supportive and at the same time, you continue to work and be independent as well.

Never try to convince someone who does not want to be convinced but instead work on how they can accept him by addressing their concerns.

All the best!

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