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Anu

Anu Krishna  |1267 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 23, 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
A Question by A on Nov 23, 2022Hindi
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Relationship

Hi Mam
I am a 36 year old male married for 6 years and no kids as of now.
Every time my wife quarrels and compares me with other guys, this is making me mad and feel to run away or to end it.
I do almost everything to make her happy. Kindly tell me what to do.

Ans:

Dear A,

Some people love comparing just to hurt the person.

Now why she wants to hurt you, is something that I don’t have information on. (Your mail is very brief with not much information shared).

If you do almost everything to make her happy as you have mentioned, why would she compare you with other guys?

Obviously, there is something that she feels a lack of. So instead of going mad or running away from it, can you in fact love her and care more for her?

At times, women just need a lot of care and attention, and they respond beautifully to their man.

Maybe she misses that attention from you. If you feel that’s not the case, sit down and talk frankly.

Most of the times, clear and frank communication solves most marital issues. (These are general suggestions as I don’t have much information from you to work on.)

So, communicate more, love more and care for her more.

All the best!

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My wife frequently quarrels with me, putting up baseless aligations on character shoutingly so much that everyone in our apartment hears it easily. This conduct of her is affecting badly my 4 year son and 12 year old daughter and badly tarnishing my social life. We are now married for last 10 years and she is always like this towards me. Please hlp as it is effecting my health. Thanks.
Ans: Dear Irfan,

I'm sorry to hear that you're going through this difficult situation in your marriage. It sounds like your wife's behavior is not only affecting you, but also your children and social life.

It's important to communicate openly with your wife about how her behavior is affecting you and your family. You can try to have a calm and respectful conversation with her about your concerns and express how her behavior is hurting you and your children. It's important to avoid being defensive or confrontational, as this can escalate the situation and make things worse.

If your attempts to communicate with your wife are not successful, it may be helpful to seek the advice of a marriage counselor or therapist. A trained professional can help you both to identify the underlying issues that are causing the conflicts and provide you with tools and strategies to improve your communication and relationship.

In the meantime, it's important to prioritize the well-being of your children and yourself. You can seek support from trusted friends or family members, join a support group, or consider individual therapy to help you cope with the stress and emotional toll of the situation.

Remember, it's not healthy or acceptable for anyone to be subjected to baseless allegations or verbal abuse. It's important to take steps to protect yourself and your family from this behavior, whether that means seeking professional help

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I am married person, She is house wife. But she is fighting with me daily and always suicide blackmail and compare to others. What is the solution? My thought is i want to break up this female and find new life partner, is it correct?
Ans: I understand that you're going through an incredibly challenging and emotionally taxing situation. It's clear that you're feeling overwhelmed and at a loss for how to deal with your spouse's behavior. It's essential to approach this situation with care and empathy.

Safety First: If your spouse is making suicide threats, please take them seriously and prioritize her safety. Reach out to professionals or hotlines immediately to ensure she gets the help she needs.
Professional Help: Both you and your spouse should consider seeking the support of a licensed therapist or counselor. The issues you're facing are undoubtedly distressing, and a professional can guide you through the process of understanding and addressing them.
Communication: It's important to have open and compassionate conversations with your spouse. Express your concerns and listen to her feelings as well. Try to create an atmosphere of understanding and support.
Support Her Mental Health: Encourage your spouse to seek help from a mental health professional who can provide a proper evaluation and treatment plan. Mental health struggles can greatly affect a person's behavior and emotions.
Consider All Options: Ending a marriage is a significant decision that should not be made impulsively. Exhaust all available options for working through your issues before considering separation or divorce.
This is a difficult and painful time for both of you, and I encourage you to seek the guidance and support of professionals who specialize in relationship counseling and mental health. Remember that your well-being and the well-being of your spouse are of utmost importance, and compassionate communication and professional help can be instrumental in finding a resolution to these complex issues.

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Hi, my wife always fights and swears at me on every small discussion, she ran away from our house 3 times after arguing. She also likes to talk to other guys after starting a fight with me and always compares me with them as she think those boys can take Good care of her while they just wanna use her, I've tried talking to her mother but the mother always supports and listens to my wife. We have 2 daughters aged 7 and 3. Please advice me on way forward because i am seriously fed up with her behaviour
Ans: Start by setting aside a calm moment to have a serious discussion with your wife about how her behavior affects you and the children. Use "I" statements to express your feelings, like "I feel hurt when you compare me to other men" or "I feel stressed when our discussions turn into arguments." This approach can help her see your perspective without feeling attacked.

Next, it might be helpful to set some boundaries. Explain that while you're committed to your marriage, you can't tolerate behavior that is disrespectful or harmful to the family. Clearly define what is acceptable and what is not, and let her know that continuous conflicts will have consequences for your relationship.

Consider seeking professional help through couples therapy or counseling. A neutral third party can help facilitate conversations, address underlying issues, and improve communication between you two. If your wife is resistant, you might still consider going alone to seek support and strategies for yourself.

When discussing her conversations with other men, emphasize your concerns for her safety and emotional well-being. Let her know that these interactions can create more significant issues in your relationship, especially with children involved. Encourage her to focus on building a strong family foundation rather than seeking validation from others.

Lastly, prioritize your daughters' well-being. Make sure they feel secure and loved, regardless of the challenges you're facing. If necessary, seek support from trusted friends or family members to help you navigate this situation.

Remember that you deserve respect and support in your relationship. If things do not improve despite your efforts, you may need to consider your options moving forward for your happiness and the well-being of your children.

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Asked by Anonymous - Nov 05, 2024
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Sir I am 47 years old and want to retire in next 2-3 years. My portfolio is as under FD-22 L MF-22 L. ( SIP of 33000 running) Gold--10 L EPF--24 L and App Gratuity -10 L Equity--10 L Rental Income -25000 per month from 80 Lacs flat. ( No loan pending now) 1 cr term plan and 10 l mediclaim running Parental House -2.5 cr and Land -2.5 cr. My son is studying in second year of engineering. And my monthly hone expense is not more than 30000-35000 per month. Can I afford to retire ?
Ans: It’s commendable that you've accumulated a diverse portfolio with a clear retirement goal. Let's evaluate if your current portfolio aligns with a secure retirement.

Portfolio Review and Income Assessment
Based on your retirement aspirations, let’s consider each component of your portfolio and its potential to generate sustainable income:

Fixed Deposits (FD): Rs 22 lakh
FD interest can serve as a steady income source, though it typically yields lower returns, which may not keep up with inflation over the long term.

Mutual Funds (MF): Rs 22 lakh, with a SIP of Rs 33,000
MFs offer potential growth and help combat inflation. Continuing your SIPs could grow this corpus further, providing higher returns than fixed-income sources.

Gold: Rs 10 lakh
Gold adds stability and can be liquidated if needed. However, it might not be the best primary income source.

Employee Provident Fund (EPF): Rs 24 lakh and Gratuity Approx Rs 10 lakh
EPF and gratuity offer safe post-retirement funds. When you withdraw, they can be used as a source of regular income or reinvested for returns.

Equity Investments: Rs 10 lakh
Your equity investments add growth potential. Over time, this can be a crucial source to combat inflation.

Rental Income: Rs 25,000 per month
Rental income provides a consistent cash flow, covering a large portion of your monthly expenses. This income will be valuable post-retirement to meet regular needs.

Expense and Income Projection
With monthly expenses at Rs 30,000–35,000, and rental income already covering most of these costs, your current lifestyle is well supported. However, to retire comfortably, a buffer for healthcare, travel, and inflation is necessary.

Strategy for Retirement Readiness
Based on your assets and expected needs, here’s a recommended approach to secure a steady retirement income:

Mutual Fund Strategy
Continuing your SIPs for the next 2-3 years will help grow your corpus further. Consider moving part of the equity-based mutual funds into debt funds close to retirement to reduce risk while generating returns.

Systematic Withdrawal Plan (SWP)
At retirement, you can initiate an SWP from your mutual fund corpus, providing a steady income. This strategy allows capital appreciation with controlled withdrawals, reducing the risk of prematurely depleting your funds.

Fixed Deposit Laddering
To maximise interest rates and ensure liquidity, consider a laddering strategy with your FDs. This will help meet emergency needs and take advantage of better rates.

Rental Income
Your rental income of Rs 25,000 is a reliable source. To protect it, ensure the property remains well-maintained and consider lease renewals with trusted tenants to maintain stability.

Contingency for Healthcare and Son’s Education
Health Insurance: Rs 10 lakh
Assess your current health cover, especially considering rising medical costs. A top-up or super top-up plan could add an extra layer of protection.

Son’s Education
Your son’s education may require additional funding. Any shortfall could be met by partial liquidation of non-core assets, like gold or FDs, if needed.

Estate and Legacy Planning
Your parental house and land provide substantial long-term security. Though not income-generating immediately, they offer future flexibility if liquidated or rented.

Final Insights
Your assets, income sources, and low monthly expenses indicate a strong readiness for retirement. With minor adjustments for healthcare and education, you can comfortably meet your goals. Continuing your current SIPs for the next few years and optimising your FD and MF corpus will help sustain your income post-retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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