Hi I m 42 Years.old..i live wirh my wife and 8 year old Daughter ..I run A Recruitments business and Stock brokin business..My wifes works at Senior positon At a Bank..Till Covid all was Doin Good..After Covid My Business till today has not been Good..Now its reach to Bottom where i m Fully Broken..And Too much into Depression ..I Cant do A Job.as at this Age i m not getting A Job..We had planned after certain Time My Wife wil leave Job..but now i m not able to tell to To Leave Job..As my Into Lots of Financial Stress..i have Lived Life Kingsize wherein money is never problen ..but now i m too strssed..Getting Sucidal thoughts too But Seeing My Daugher Face i CNt take that Step...please Advicd me

Ans: Dear KS,
First things first. A lot of decisions have gone wrong. It cannot be erased, but certainly you must find a way of recovering from it.
Yes, it is highly disheartening, but once you decide that you want to be in a better place, you have to take certain actions to reach that better place.
So, time to quit being upset and taking firm actions on what to do next to get out of this situation that you are in.
Seek the help of someone within your family or friends circle who is strong with their finances and managing their monies well. Of course, they must be someone you trust as well. Share everything with them (you need the help, so kindly be truthful and honest with them).
Let them put together a plan of action that manages your existing financial resources and inbound channels and match that with all the payments and debts.
Allow them to 'advise' you as you need this strong advice right now. Discuss what's possible and what's not and they will come up with something that is close to perfect.
Once, you start with the first small baby step. things start to look up. Even clearing a small debt will take a load off your chest. So, get into that action mode NOW. And yes, do promise yourself that this situation is teaching you a lesson on how to be financially prudent and that you will learn from it.

Best wishes and look bright and happy NOW!

Ans: Dear Anonymous,
I do hear you...
It is perhaps time to do something different. You have a wealth of experience of 19 years and it can be put to good use.
Independent consulting in Wealth management maybe something that you might want to consider. There are courses online that help you get initiated in this and using your Banking knowledge it maybe possible to consider this option.
Also, speak with your close circle of friends and family and take their advice as well. It will also help you to take strategic advice from someone in your field and who has also is updated with all the current happenings. Someone senior is what I suggest...
What you need is some direction which this expert in your field can offer...what else you need is some confidence, which you need to instil within yourself.

When something does not work, do something else for a different result...But giving up hope is the worst option...Push yourself to think different and ask:
What else can I do to make things work?
What can I do differently than before for things to align better for me?
How can I keep my state of mind upbeat even though things are not going well for me?

Asking useful questions can change the course of one's life...So keep at it please...

All the best!

Ans: Dear Anonymous,
It's not easy being away from your family. The possible cause for your health issues can be loneliness...Can you at least start reconnecting with your daughter, other family members? What about close friends?
Once you are surrounded by people who care for you, you will find better focus in life and at work. This will help you achieving work goals as well. Do focus on your physical health by exercising regularly too.
Also, join a social circle that is filled with people who are like-minded and have similar interests as you. This will ensure that your mind is focused on positive things happening.
A small change in the way you think and do things can bring about better results.

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