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No physical intimacy after 5 years of marriage: How to cope?

Kanchan

Kanchan Rai  |644 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 26, 2025

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 - Jan 26, 2025Hindi
Relationship

He ma'am, Me and my husband are of same age 35 and its been 5yrs we got married but we don't have physical relationship at all my husband says we don't have intimacy, I forced home to visit doctor and the blood reports says all okay, as per his saying cause I don't understand the medical terms much....but if everything is okay medically still he never tries to come closer earlier we tried but he use stop in between before having sex and run to washroom and sit there for long ...and this was becoming mystry for me,bi asked him he said everything is fine it will take time and everything will be fine earlier he use to use washroom for long but now he does not .....in expectation that things will become better I wasted my 5 yrs. As a person he is good but as a husband he is lacks i wated my carrier as I am not getting any job in perticular city, and with is I started feeling useless as I had dreamt of living peaceful and happy life with him but everything went wrong no love, no emotional support, no physical intimacy no carrier nothing. I shared this with my mother in law as he was behind me for baby so one day I told her that we don't have physical relationship so please don't expect baby he didn't believe me but later on she started believing but she didn't take any action she is quite...how will I survive in this environment when I don't have reason to live...my husband support my family financially and because of that I not able to take any step..I feel suffocated at my in-laws place, I don't like to stay there he just makes me happy by shopping, watching movies that it but is this enough for the happy relationship. I was so friendly with him that I said that let me know what there in your mind you don't like me he said no I like you...then I asked him then why you don't want to get physical I started getting self-doubt on myself, he said you don't respond while sex but you tell me in 5 years we hardly tried 6-7 time and I responded him but he use to run to washroom in mid of play what would I do then I tried giving him hints for having sex but he use to ignore now you say that in 5 yrs of period we didn't has sex then don't you think there's major issue and when I say we should visit doctor then he says I have medical proof that I am physically fine... coming on my MIL part she used our bedroom toilet though we have 2 washroom out is western so she uses ours so there is no privacy our bedroom is never locked because of my MIL when I Iock my husband gets early in morning and open the lock for my MI, please tell me is this right every now and then she comes in our room and interfere in our conversation, her this behaviour feels like she is insecure about his son as FIL is more...I discuss with my husband that atleast we should have our privacy so he says yes but take no action...he does commitment but never fulfills...basic expectations I have from him that if not physical then atleast spent time with me, let's go and explore place he says yes but never go, I agreed on every point I lived according to my MIL she is selfish instead of knowing all problem she just want fasting for his son, making food what he likes, doing puja for his son success...you tell me in return I am not getting anything still I kept on doing my best to prove best bshu and best wife but no good change... I going through anxiety, stress, depression because of this I lost my confidence, no carrier nothing....now I decided to look for job in other city and thing for my mental peace and become independent because staying with him in 5 yrs didn't bring good changes instead I lost myself in my making them happy...what should I do please help ...he say that I don't want weekend wife now you tell me why I not think of myself now he says, I want to stay with you but if there is not change after so many try then it's useless he always says will work this out but it never happened, I tried my best.now I said will look for job in other city and will meet in weekend spend time together, and I will be there in all your worst situation. But now I can be jobless and asking for money everytime from him....he thinks money is the solution for all.He says no weekend wife how long this will work then but he is not giving me any choice, he says though I want to stay with you but if weekend wife the seperation is only option no divorce but seperation please guide *regarding physical relationship, *regarding my MIL interference despite of knowing everything, no privacy, her insecurity *And my decision of taking job in other as I am not getting opportunity in same city, staying together is also brings no change. Pls suggest.

Ans: The issue with the lack of physical intimacy is not simply about the act itself; it represents a disconnect in your relationship. Your husband's avoidance of intimacy and his reluctance to fully address the matter, despite your efforts, suggest deeper underlying challenges—perhaps emotional, psychological, or situational. While you’ve already taken steps by opening conversations, it’s clear that progress has stalled because this isn’t something you can resolve on your own. A professional intervention, such as couples therapy or sex therapy, could provide a neutral ground to explore these concerns. Presenting this option to him as an opportunity to strengthen the relationship rather than assign blame might help him feel less defensive. However, his willingness to engage will be a critical measure of his commitment to addressing these long-standing issues.

The lack of boundaries with your mother-in-law is another significant stressor that’s undermining your marriage and your mental peace. A healthy relationship requires a sense of security and privacy, which has been compromised by her interference. While it’s natural to want to maintain respect within a family, your husband’s inability or unwillingness to enforce boundaries is enabling a dynamic where you feel powerless and overlooked. The fact that you’ve expressed your concerns and seen no action suggests that waiting for change may not lead anywhere. You need to clearly communicate to your husband that privacy is not negotiable for the survival of your relationship. If he continues to prioritize his mother’s comfort over your peace, it will remain a barrier to the intimacy and connection you’re seeking.

The decision to pursue a job in another city reflects your need to reclaim control over your life and mental well-being. This isn’t just about financial independence—it’s about rediscovering your sense of purpose and confidence after years of feeling stuck. Your husband’s opposition to the idea of a “weekend wife” underscores his resistance to change, but his reluctance to address the core issues in the relationship leaves you with no alternative. Staying in this environment without progress will only deepen your feelings of suffocation and self-doubt. Choosing to prioritize your career is not a failure of the relationship; it’s a necessary step to protect your own mental health. You’ve already demonstrated immense patience and effort over the past five years, and now it’s time to invest in yourself.

As a coach, I would encourage you to focus on actionable steps: seeking therapy for clarity, setting non-negotiable boundaries with your husband regarding privacy and mutual respect, and pursuing your professional goals with confidence. By stepping into a space where you feel empowered, you’ll be in a better position to assess whether this relationship can evolve into the partnership you deserve. It’s important to remember that you’re not walking away from the marriage by making these decisions—you’re simply ensuring that your needs and well-being are no longer sidelined.

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Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 06, 2024
Relationship
Hi Anu, i am 34 year old woman married to a 41 year old man. We are married for past 10 years. We had no sexual relationship for first 5 years, after lot of pestering and fights and realisation that there must a physical problem at my husband’s end i convinced him to visit an expert in this domain. Turns out he had low testosterone level. He took the necessary medication and i really tried for 1 year to make it work. It worked to a certain extent but it was more like a chore than something we really want to do. Then we decided that we should go for a baby as well while we are at it. Now my daughter is 2.5. Things never got better. We don’t talk about our lack of any intimacy physical or mental. We are living like roommates. He is the best husband a person can ask for on paper. My parents love him. He is the nicest guy. But in reality we never had any connection and no comparability. And whatever attraction and love i had for him in the beginning is lost completely. I have no idea what goes on his mind. He is a closed book i could never open. He accepts the problem but blames me too if i force him to open up. I am in such a bad place mentally. I keep thinking about the one life i got, i wasted it. Why did i get married so soon? I like someone in office who i have no future with because he is in some other country. I do not know what to do and how to live my life. I get thoughts that life should not be so long.
Ans: Dear Anonymous,
A case where the person shuts down because he carries the guilt of what is happening to him and what he is facing...not a very useful way of dealing with the situation but when society has drummed it into us that a 'man' is defined by his masculine traits and behaviors, can you blame him for it?
He is possibly embarrassed and this could be a reason for him 'closing down' within the marriage. He needs to be slowly cajoled out of what he is feeling...What the two of you could do is: start the marriage as though it is Day One...
Now, how would the two of you connect? How would things be different?
It is an attempt to reconnect with no past baggage which helps in focusing on each other in the present day. That helps in making good solid commitments to one another but of course, there has to be a lot of communication in this process. Do take the help of a professional if this feels too much to go through by yourselves.
And as for the colleague; hmmmm grass on the other side will always seem greener!

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

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Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi
Listen
Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

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

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Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 13, 2025
Relationship
Hello Ma'am, I am 35 yrs old, it's been 5yrs since I got married, and I am not happy in my marriage. We don't have any kind of physical relationship since we git married, I always tried getting closed with hime but he for some or the other reason didn't let me get close... and I really don't know the reason why, I have been craving for his touch,love and emotions but he is least interested otherwise he holds me and sleep take care of me my needs but when it comes about physical it's zero between us. Since I got married our bedroom door is always open I told him mannier time about privacy after so long he started closing the door that also after my MIL get asleep (FIL passed away when he was 20) and he gets up early in morning and open the door for MIL so that she can use our washroom though we have in all 2 washroom but she wants to use only the western one which is in out bedroom so evry now and then she come in our room randomly also so privacy is zero she always get interfere with some or the other topics whenever me and my husband talks so I don't get chance to have normal conversation with my husband, so coming back or physical relation I had to discuss late night with my husband because of my MIL I have discussed with him and asked him in a very friendly manner that what would be the cause that you don't want to get physical, is there any one you like it's fine just let me know so that I get away between you both rather then wasting time but he said No theirs no such problems he said it's just we don't have that intimacy between us...he dragged me that I also don't have that intimacy which is wrong I have tried getting closer but he didn't allowed me at start we use to try but before somthing start he use to go to washroom and sit for long n I use to wait and sleep I thought it will get improve but it been 5 yrs and we are on same page he is good person he he supports me financially and also helped my family in worse situation he thinks for all problem money is the solution, he says physical is not that important part of relationship. I use to be independent but then I left my job because it was night shift and I could not manage household chores and night job because I didn't get help I couldn't get proper sleep I was facing health issues..I thought I will work on my relationship because it's very stressful and depressive I am not able to sleep I feel suffocated, I feel like running away due to this in between I always go to my moms place for some time cause I feel like m not valued at my In laws place no physical relationship nothing so for what i am leaving there? I am getting habitat with the relationship situation I can leave with him without physical need but not with my mother in law I have shared my problem with her as well as she was behind me for baby planning but she is not taking any action knowing the situation she is quite she asked to my husband that what's going on I got to know from your wife that you both don't have physical relationship what's the problem, my husband reply ye we don't have don't ask for baby and harras her or me, that it. So my MIL is also quite now. I am looking for job again as I want to be independent I don't like to ask for money everytime and also fulfill my dreams and needs on my own but My MIL wants me to see for local job but m not getting in the sam city and what is the need to stay in same city where every one just want me to stay just to show fake that we are married and happy, my MIL wants every puja and vrat for his son to be done by me, after knowing my situation I am so depressed I don't have now any interest in doing these rituals now, I live the in a control way, my husband just think doing shopping, watching movies, savings is enough for happy relationship. Please guide me what should I do is leaving with him is worth.and I cannot leave with my MIN as she is very insecure mother everytime she wants his son to listen her.please tell me should I live with him is their any hope or what would be the solution I am looking for job in other city now cause till these time I just thought of him and wasted my career. Please suggest. Thanks for your time.
Ans: Dear Anonymous,
You cannot wish your mother-in-law away and I can tell you why.
Your husband and she share a very close and perhaps unhealthy bond which has started to dictate the way he thinks and does things.
Now coming to your husband:
Either
- he is physically unable to have sex (certain physical issues, impotency)
OR
- he is emotionally unable to connect with you (his bond with his mother is hampering his relationship with you)
OR
- he is dissociated from family and life in general (this could be a challenge coming from the mind)
OR
a combination of any of the above.

Now, focus on these if you wish to put your marriage back together as taking up a job is just you running away from it all. Once you are back home, it's the same issue that will stare back at you.
Your chats with your husband can be less about your MIL and more about him and his 'sitting' for a long time in the bathroom. Should that not be a red flag for you? Address this and either he will express anger over being questioned or he will avoid even meeting eyes with you. Either case, you will surely get an idea as to what is going on...

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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Naveenn

Naveenn Kummar  |231 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 13, 2025

Money
Dear sir/madam I have some ten lakh in NRI FD for 7% interest, if I keep 50%in mutual fund can I use the amount any of emergency as well as which mutual fund suggest for me
Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on Nov 13, 2025

Reetika

Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Asked by Anonymous - Nov 07, 2025Hindi
Money
Sir, I am 39 years PSU employee with monthly net salary of 1.10 lacs. I have a son of 9 years and daughter of 1 year. I am investing in MF through SIPs and lumpsump for last 7 years and my present MF portfolio is 50 lacs with XIRR of almost 18%. Presently I do SIP of 30000 per month. I also have housing loan and my EMI is 42000. I am provided accomodation and medical facilities from my employer. I also have accumulated 18 lacs in PF and Rs. 28 lacs in NPS. I have Term plan of 1.5 crs. I also have liquid funds of 10 lacs in FD for emergency purpose and approx 7 lacs in PPF. Since my child's major education expenses is still 7 to 8 years far for my son and 15 years for my daughter, I will continue my SIP of atleast for next 8 to 10 years without breaking my existing portfolio. Can I generate a corpus of more than 7 crs till my retirement with above funds and will it be sufficient to meet the inflation after 20 years.
Ans: Hi,

You have done and accumulated quite good at your age in different instruments with varied returns. Let us have a detailed look.

1. Emergency Fund - 10 lakhs in FD - good to go.
2. Term Plan - 1.5 crores - good to go.
3. Health Insurance - provided by employer. However, can take a separate personal insurance for yourself and family.
4. PF - 18 lakhs (continue)
5. NPS - 28 lakhs (continue)
6. PPF - 7 lakhs (can stop continuing, invest only bare minimum to keep account active. Close account upon maturity and reallocate these funds in mutual funds)
7. MF Portfolio - 50 lakhs with 30k monthly SIP
8. Home Loan EMI - 42000

Goals:
- Son's education - after 8 years
- Daughter's education - after 15 years
- Retirement - need 7 crores

You are very much on the right track. Your current financials look strong in terms of fulfiling your financial goals.

> Your current MF portfolio can be bifurcated into 2 parts
i. 40 lakhs for your retirement. This amount along with other amount from PF and NPS will finance your retirement forever (inflation adjusted). Additionally you wil lleave behind a great fortune for your kids.
ii. 10 lakhs for your kid's education. Continue your existing SIP of 30k per month and also contribute 7 lakhs from PPF account on its maturity towards this goal. For son, you will have 75 lakhs only from this investment and your daughter's education will have 1.5 crores when she requires.

This way your existing investments can take care of all your goals. Also, do increase your contibution in SIP yearly. It will help in generating a higher corpus for your family.

As your overall investments are more thann 10 lakhs in MFs, it is wise for you to connect with a professional who will assist you and make a dedicated investment plan as per your goals.
Hence, do consult a professional Certified Financial Planner - a CFP who will guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Money
My current age is 41 Years old and private employe in I.T sector. I have five kids of 11,8,7,5 &2 years. My elder daughter is in 7th class now. I have monthly Net salary of 1 lakhs after taxes. I am saving 20/30 thousand monthly. My assets are as follows:- I have one house worth Rs.15 lakhs, Two commercial shops worth Rs, 50 L. Having no loan in the market. Insurance Rs. 50 L term plan for me. Yearly I pay 40k. Health insurance 11 lakh for my entire family from my organisation.Yearly I pay 20k. I maintain an emergency fund 1.5 lac liquid on hand. Would like to make a total fund og 5 Cr by 2035. I have a requirement during higher education for childerns/marriage/Business for my son's and retirement at my age of 51 yrs after 10 years. How to grow my income. I would like to focus on high-growth investment to achieve my goal. But I am planning to invest monthly from my salary. More ever I may get 4lack in next month. Now the thing is how to go about 4lack. Where to invest Am confused what to do. Kindly advise further for more wealth creation. Steady plan. Wealth builds slowly but surely. Can someone help design a withdrawal/Saving strategy to meet your income needs and achieve goal. I would like comfortable retirement with a steady income. Thanks....
Ans: Hi Syed,

Let us have a detailed look below:
- Your monthly income - 1 lakhs, expenses - around 75k , and money for saving - approx. 25k per month.
- Emergency fund - 1.5 lakhs . Would suggest you to make a FD of this fund as emergency fund.
- Term and Health insurance - covered. But sum assured is less for your family. It should be increased.
- One house - 15 lakhs; 2 commercial shops - 50 lakhs.

Requirements:
- Need 5 crores by 2035 i.e. in 10 years
- Need fund for higher education and marriage of 5 children
- Retirement corpus required after 10 years

To achieve all these goals, you need to invest starting right now in aggressive mutual funds with 25-30k left with you. And you can increase your investment with the increase in your income.
Realistically, retirement after 10 years is not possible, but you can try and upgrade your skills to earn more and invest more.

You are also getting 4 lakhs next month. Invest entire amount in aggressive mutual funds. Mutual funds will give you an annual return of 14-15% very easily. This is the best way to build wealth for the goals that you mentioned.
>> Make sure to stay away from LIC policies and ULIPs and other plans which lock your money.

As you are not much aware about mutual funds and investment, you should work with a professional who will draft a plan for you.

Hence, please consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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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