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Should I marry a rich guy my parents chose?

Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 09, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Nov 28, 2024Hindi
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Hi Ma'am, I am a 29 year old female. My parents recently found a very rich boy who they want me to marry. Initially they asked me to meet him a couple of times and then see if we are a match. However, I met him once and my experience was not great - we have different values in life. I wasn't very happy after that meeting yet I thought I should meet him a couple of times before I make any decision. But now they are building a lot of pressure on me to say yes to him. They are saying things like I will not find anyone better than this, there are no other options out there, this is as good as it gets, I will be throwing away my life if I say no, this is god's blessing that I should just accept. They also said that if I say no, they will just yes to another guy who lives in Canada. I do not understand what is suddenly happening because this was not the case a month ago and they had mentioned that it is my life and if I say no, then it will be a no and there is no pressure. I don't know what to do really, I feel like I am stuck at a cross road

Ans: Marriage is a lifelong commitment that requires more than just compatibility on paper. Shared values, mutual respect, and a genuine connection are foundational to a happy and fulfilling relationship. If you feel uncertain or uneasy after meeting this person, it’s worth honoring those feelings and giving yourself time to explore them further. One meeting is often not enough to decide, but neither is it fair for anyone to expect you to commit without clarity.

It might help to have an open and honest conversation with your parents about how this pressure is making you feel. Share your thoughts with them calmly, focusing on your perspective rather than framing it as opposition to their wishes. You could express gratitude for their care while also making it clear that you need space to make a decision that you can feel confident about. Remind them that rushing into a choice you’re not ready for could lead to regret, which is not what either of you wants.

If the pressure continues to escalate, consider involving someone you trust—maybe a relative, family friend, or counselor—who can mediate and help your parents understand your point of view. Sometimes, a neutral perspective can ease tensions and bridge the gap between what they want and what you need.

Above all, remember that this is your life and your happiness at stake. While their love and approval are important, the decision to marry should come from a place of certainty and alignment with your values and goals. It’s okay to take your time, ask for understanding, and prioritize what feels right for you. You deserve a partnership that brings joy, peace, and fulfillment, not one borne out of pressure or fear of missing out.

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Kanchan

Kanchan Rai  |525 Answers  |Ask -

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

Asked by Anonymous - Jun 03, 2024Hindi
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Hi mam i am dating my bf from 10 years. He have good job. His family also very good and well settled.i told my parents about him first they say no because of different cast. But i explain them then they are ready. So i told them to meet with bf family. But every week they give reasons and in the end they cancel to meet with my bf. And they say we will get you marry to ur bf but they doesnt want to meet him and talk to him even in once not even in call. Now i am confuse i dont know what to do. My parents are not giving me any clear answer. Everyone told me they are just buying time.
Ans: It sounds like you're in a difficult situation where your parents are expressing ambiguity despite initially agreeing to your relationship. This can be very frustrating, especially when you've invested so much time and emotion into your relationship and are ready to take the next step.
First, have a calm and honest conversation with your parents. Try to understand their concerns and reservations. Ask them directly why they are hesitant to meet your boyfriend and his family. Sometimes, parents may have unspoken worries or cultural considerations that they find difficult to articulate. By understanding their perspective, you can address specific concerns rather than general resistance.

Secondly, communicate your feelings clearly. Let your parents know how important this relationship is to you and how their lack of engagement affects you. Explain that meeting your boyfriend and his family is a crucial step in solidifying your future together. Emphasize that this meeting is not just a formality but a meaningful way to blend two families and cultures.

It might also be helpful to suggest a low-pressure, informal meeting. Sometimes the idea of a formal introduction can be intimidating for parents. Suggest meeting in a casual setting, such as a family dinner at a restaurant or a small gathering at home, which might make them more comfortable and less pressured.

If your parents continue to delay without a clear reason, you may need to make a decision based on your own values and priorities. Reflect on what you want for your future and consider if your parents' hesitation is something that can be worked through with time, or if it might require you to take a stand for your own happiness.

Lastly, seek support from trusted family members or friends who understand your situation. Sometimes, having someone else advocate for you can make a difference. They might be able to mediate the conversation and provide a perspective that resonates with your parents.

Ultimately, your happiness and the future of your relationship are paramount. While it's important to respect and consider your parents' opinions, you also need to ensure that you're making decisions that align with your own values and desires. Balance patience with assertiveness, and prioritize open, honest communication both with your parents and your boyfriend.

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Ravi

Ravi Mittal  |520 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 18, 2024

Asked by Anonymous - Nov 18, 2024Hindi
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Hi, i am in a relationship with a guy since last 14 years but due to some ups-downs in his life he denied to marry me two years ago so i remain single in that period and searching for suitable guy in a arrange marriage setup. Now, in this year he came back and said he want to marry me, since i did not able to find any match till then so i said yes, i tried to convince my parents for him but they did not got convinced and started forcing me for arrange marriage for the sake of community and their pride, i dont know what should i do, because whatever they are bringing are good matches and i would have consider or marry them if i am not committed to him.
Ans: Dear Anonymous,
If you have really decided that you will only marry him, then you should continue trying to convince your parents. Both of you are consenting adults and I am sure you both love each other since you have been together for so many years. Highlight these and any other positive points in your partner to your parents; let them know he is a nice person and he has been committed to you for so long.

I am not sure whether you two broke up for a while or just weren't sure about marriage, but either way, it looks like there was a break in the relationship. So this time around, if you want to rethink the relationship, there is no harm. And if you are not sure what you want, you should take some time to think about it. Don't rush.

Moreover, consider your parent's point of view. Why are they not convinced? Are they seeing something in your partner that you are overlooking because of love? You can ask them for the reason directly and evaluate how reasonable they are.
Hope these suggestions help

Best Wishes.

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Hello Sir, this is Dhiraj DM, I am 48 year's old married with no kids, we have any flat worth 1. 5 cr given on rent around 50 lakhs of equity 20 lacs mutual funds we want to retire in next 3 years,please guide. We live in a metro no liability, we r into Gifting business now want to retire in next 3 years
Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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