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Kanchan

Kanchan Rai  |581 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 06, 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
Ankit Question by Ankit on Mar 05, 2024Hindi
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Relationship

I've been married for 9 years and I love my wife and 2 beautiful kids infinitely. I have an issue where my voice gets raised when she taunts me, tells lies, keeps stuff hiding or that gets converted into an argument and finally, my wife stops talking with me for days/months (last time she took 2 months to start talking normally which lasted less than a month) I always apologise for my overreaction but still she cries and says I’ve sacrificed everything for you and tell me what have you sacrificed till date and to be honest I’m not a person to count the sacrifices that I do for my family because it’s my family and it’s my love & responsibility towards them. However, I keep trying by apologising and she still shows me attitude and taunts me always trying to make me realise my mistake then again I become furious and I feel like all my efforts of making life normal are going in vain which triggers a lot of pain in me and I mentally & and emotionally suffer. I many times told her that I only live for you & kids. I told her my anger would last for a few minutes but I'll become normal in some time and I also told her that I'll work on my anger & reactions in future. I told her many times that not everyone is perfect if I have 1 negative point, then I also have 1 positive point and vice versa. I now feel like I'm compromising my mental & and emotional health and she kept me also away from my physical needs when I needed the most. I don’t need anything else but support and love in the ups & downs of my life as a normal couple. I just need my wife to understand me as a human who can make mistakes and try to learn from them. I don’t know what to do as I just can’t suffer from her behaviour towards me and sometimes alone or at bedtime, I feel as if she is happy without me and doesn’t want to make our life normal as a family then why don’t I give her peace by letting her go or I end everything.

Ans: It sounds like you're dealing with a lot of emotional turmoil and frustration, and it's important to find constructive ways to address these issues and improve your relationship. Effective communication is key to resolving conflicts and strengthening relationships. It's important to have open and honest conversations with your wife about your feelings, concerns, and the impact of her behavior on your well-being. Encourage her to share her perspective as well, and try to listen empathetically without becoming defensive Consider seeking individual therapy or counseling to explore healthy coping mechanisms, stress management techniques, and strategies for managing anger in a constructive way. Learning to regulate your emotions can help reduce conflicts and improve communication in your relationship Make an effort to prioritize positive interactions and moments of connection in your relationship. Engage in activities that bring you joy and strengthen your bond as a couple and as a family. Celebrate each other's accomplishments, express gratitude, and show appreciation for the small gestures of love and kindness. Ultimately, every relationship requires effort, understanding, and compromise from both partners. It's important to approach these challenges with patience, compassion, and a willingness to work towards positive change. If despite your best efforts, the relationship continues to cause you significant distress and unhappiness, it may be necessary to reevaluate your options and consider what is best for your overall well-being.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1592 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 29, 2021

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Relationship
Dear Anu, I am married for 18 years. Have two kids, son (17) and daughter (9). My problem is that though I am in a regular job at a PSU, my wife thinks that I don't earn much. She thinks so much and get stressed which in turn gets in explosive and when it burst I cannot control myself and I get physical (manhandle) her. Due to this all fault becomes my fault and I have to apologise to her for behaviour. Apart from this she is having some kind of problem which she keeps fuming at me or anyone for that matter for anything. When I get irritated by such things she refuses that she didn't even said so. If said so, I understood it in wrong sense. I think I am having too many problems which I cannot explain here. Sometimes I think of going to psychiatrist but don't wish to go because then I will be certified as mad and thereafter all fault and problems will be due to me. If I ask her to go to psychiatrist she won't agree either. Please help how to deal such situation in this stage of life. I love her so much so there is no question of separating from her. Please feel free to ask me anything you require for giving me a response.
Ans: Dear AKB, why does money ever come into a marriage; I wonder!

Well, we do need money to keep the family running, right?

Somehow, external happenings of someone earning more can get into the marriage cropping up as comparisons.

What started as a mere seed of comparison, slowly starts to become a huge tree with fruits of poison robbing even the small successes that you might have had.

Even that seems never enough leaving you with a feeling of inadequacy.

This affects marriage compatibility and comes out as anger, sadness, violent outburst, finger pointing which is evident in your marriage.

At the same time, I am sure your wife does not really intend to hurt you with these behavioural displays.

And that’s why externalising the situation to be your fault arises and she does not want to think that her perceptions are what are causing the situation.

Either you sit her down and bring her down to facts of the matter that this is how life is going to be and this is the money is what you can bring.

If it’s still an issue and she has a hard time accepting this reality, involve an elder member from her family to communicate with her.

Show her the mirror as to how her wants are unequal to what money is coming in and how this regular chatter might be affecting the children as well.

If anyone needs professional intervention, it’s both of you going to a therapist and not a psychiatrist.

The expert can help out things into perspective where both of you can rebuild your relationship with renewed mind spaces.

Happy rebuilding!

..Read more

Kanchan

Kanchan Rai  |581 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 06, 2024

Asked by Anonymous - Feb 06, 2024Hindi
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Relationship
I've been married for 9 years and I love my wife and 2 beautiful kids infinitely. I have an issue where my voice gets raised when she taunts me, tells lies, keeps stuff hiding or that gets converted into an argument and finally, my wife stops talking with me for days/months (last time she took 2 months to start talking normally which lasted less than a month) I always apologise for my overreaction but still she cries and says I’ve sacrificed everything for you and tell me what have you sacrificed till date and to be honest I’m not a person to count the sacrifices that I do for my family because it’s my family and it’s my love & responsibility towards them. However, I keep trying by apologising and she still shows me attitude and taunts me always trying to make me realise my mistake then again I become furious and I feel like all my efforts of making life normal are going in vain which triggers a lot of pain in me and I mentally & and emotionally suffer. I many times told her that I only live for you & kids. I told her my anger would last for a few minutes but I'll become normal in some time and I also told her that I'll work on my anger & reactions in future. I told her many times that not everyone is perfect if I have 1 negative point, then I also have 1 positive point and vice versa. I now feel like I'm compromising my mental & and emotional health and she kept me also away from my physical needs when I needed the most. I don’t need anything else but support and love in the ups & downs of my life as a normal couple. I just need my wife to understand me as a human who can make mistakes and try to learn from them. I don’t know what to do as I just can’t suffer from her behaviour towards me and sometimes alone or at bedtime, I feel as if she is happy without me and doesn’t want to make our life normal as a family then why don’t I give her peace by letting her go or I end everything.
Ans: I'm sorry to hear about the challenges you're facing. It's clear that both you and your wife are experiencing significant distress, and it's important to find constructive ways to address these issues and improve your relationship. Effective communication is key to resolving conflicts and strengthening relationships. Focus on active listening, empathy, and expressing your thoughts and feelings in a calm and respectful manner. Encourage open and honest dialogue with your wife, and be willing to listen to her concerns and perspective without becoming defensive or dismissive It's commendable that you recognize the need to work on your anger and reactions. Consider seeking individual therapy or counseling to explore healthy coping mechanisms, stress management techniques, and strategies for managing anger in a constructive way. Learning to regulate your emotions can help reduce conflicts and improve communication in your relationship Make an effort to prioritize positive interactions and moments of connection in your relationship. Engage in activities that bring you joy and strengthen your bond as a couple and as a family. Celebrate each other's accomplishments, express gratitude, and show appreciation for the small gestures of love and kindness. Ultimately, every relationship requires effort, understanding, and compromise from both partners. It's important to approach these challenges with patience, compassion, and a willingness to work towards positive change. If despite your best efforts, the relationship continues to cause you significant distress and unhappiness, it may be necessary to reevaluate your options and consider what is best for your overall well-being.

..Read more

Anu

Anu Krishna  |1592 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 01, 2024

Asked by Anonymous - Jun 28, 2024Hindi
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Relationship
Hello Anu, I am married for over 20 years. My wife has anger issues. Firstly, she gets annoyed with anything or everything. Secondly, she cannot control her anger. I had always taken a stand that I have to manage the marriage so what is the need of getting into confronting mode. Many a times, divorce crossed my mind but I could not gather the courage. Then tried to manage the situation by agreeing to everything and not sharing my opinions. I feel the home is like a prison. I feel uncomfortable when she is around me. I used to be a very social and jovial personality. Now people say I don't talk that much, the wittiness I had has vanished. I used to sing, record my own songs, take part in cultural events and activities. But now all gone. What ever I speak when we meet at family and friends get together, there is a complete postmortem of every sentence and intent. My elder son now says that I should keep my foot down. I am pushed to pass on all my salary to my wife's account and then have to ask her for any spends that I do. Over and above that every spend for her is un-necessary. I have multiple times tried to talk to her.. she says 'Whatever you say, I will not agree and you know that so don't waste your time in convincing me rather change yourself and do what I am saying'. It is becoming vicious and taking a toll on my energy. I feel like staying out of the house. But when around friends she behaves nicely.. Don't have answers. I want to take her to councellor so as we both can get advise. But she says, change yourself we will be happy. I am not going to change. I mean I am not asking her to change, but just be emphathatic. Am I asking for too much. I also agree that I may have flaws I am no perfect but no one is, why then am I looked upon to be a perfect person? V
Ans: Dear Anonymous,
It is a difficult situation to be around someone who has issues with anger and in this case it's your wife!
Anger is just a call or cry for help. Have you seen a child display anger and throw his/her toys around just to get their mother's attention?
Now, what is it that you wife lacks is something only you will know. She feels a certain lack in her life.
It could be lack of achievement, lack of self-worth, lack of a healthy self-esteem, lack of healthy nutrients in the body, lack of good quality sleep, lack of useful social environment.

I also believe what and who we surround ourselves with will define how our day goes and how our life will pan out. Now, because she fails to see the role of a counselor, you are forced to work at this on your own. So, start by trying to find out:
- what area of lack is she in?
- what triggers her anger episodes?
- how does she come out of these episodes?
- are the people/friends around her very different from her value systems?
- when was the last time she had a general check-up to see if all the health parameters are good?
- how actively has she pursued a career or a hobby?
- how many hours of sleep does she get?
- does she eat nutritious food that's meant for her age?

Since you are on your own with this, get deeper into this; I do agree your feelings are on the back-burner BUT till you sort this, it's going to haunt you. Sometimes the display of anger is much bigger that forces us to believe that the problem is a big one. It could just be a simple cause...Only when you try to identify it, will you know how and what it is.

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

Anu

Anu Krishna  |1592 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 25, 2025

Asked by Anonymous - Mar 19, 2025Hindi
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Relationship
Hi. I'm 45 years married 16 years with 2 kids . In short my wife has anger issues . She gets annoyed if anything happens against her wish. No one in family can talk to her. She dosen't want to listen anyone's advice or opinion. I work 7 days a week to financially support my family. Also help her in kitchen and household works, Buy groceries. She still complains and get angry. Her behavior becomes rude wherever my parents visit us. She hides all the food or not to buy. I aways tried to calm and relax her to keep our relationship happy. There are months passes without sex She still complain I'm doing nothing for family. I love her and my kids so keep on tolerating. I tried to talk to her but she never cared and told if i wush can leave her as I'm selfish. I need your advice and opinion to bring my meaningful
Ans: Dear Anonymous,
Well, if only she could appreciate all your efforts towards the family and her. But you know what; what she could be missing is the emotional connection with you especially when you work 7 days a week...it leaves you very little time with the family or for her. This can cause a lack within your relationship. Is it possible for you take a day off so that you have time for yourself and your family? It maybe the same job or something else. I know that changes are hard to make BUT at the end of the day, relationships especially the core ones matter the most, don't they?
This change can definitely put things back together and give your wife the opportunity to be with you and appreciate you even more...

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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Ramalingam Kalirajan  |8272 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2025

Asked by Anonymous - Apr 22, 2025Hindi
Money
Dear Sirs Please review my investment towards 7.5 CR. There are 2 components towards it , 1) Generate monthly income post tax of 4 lakhs, 2) Investment Corpus Towards Capital appreciation Towards option 1 : Investing in the following - a) Tata Motors or Chola Perpetual Bonds 1.4 cr , b) ICICI Balanced Advantage Fund 1cr, c) Kotak Balanced advantage fund 1 cr Towards option 2 ie Capital Appreciation investing in the following - a) HDFC Flexi Cap Equity fund 1.25 cr , b) Parag Parikh Flexi Cap Equity Fund 1.25 cr, c) ICICI Prudential India Opportunities Fund 80 Lakhs, d) ICICI Prudential Multi asset fund 80 lakhs I am looking at a 5 - 7 year investment timeline. Have taken early retirement at 50 years and need the funds to sustain myself. Please also advise if Perpetual bonds is a good option Thanks
Ans: Your investment strategy is thoughtfully constructed. You’ve clearly defined two components:

Monthly income of Rs. 4 lakhs

Capital appreciation with a horizon of 5 to 7 years

Let’s assess each component carefully and suggest improvements.

 

 

Monthly Income Generation Plan – Review and Insights
 

You’ve allocated the following towards income generation:

Perpetual Bonds – Rs. 1.4 crore

Two Balanced Advantage Funds – Rs. 2 crore

 

Let us look at the key strengths and areas to optimise.

 

Perpetual Bonds – Risk and Suitability

These bonds are issued with no maturity date.

Issuers can delay interest payments if they face pressure.

Tata Motors or Chola bonds offer high interest, but risk is also higher.

You need dependable income. Perpetuals may cause delays or cuts.

If rated ‘AA’ or lower, risk becomes even higher.

For safety, consider shifting part to high-rated corporate bonds.

Choose instruments with a defined maturity or high credit rating.

 

 

Balanced Advantage Funds – Regular Payout Source

You have allocated Rs. 2 crore to two funds here.

These are suitable for monthly SWP (Systematic Withdrawal Plan).

They reduce risk by shifting between equity and debt.

This provides smoother return and helps handle market volatility.

Ideal for your need of steady income.

Choose funds with a good track record of 5+ years.

Go for regular plans through a Certified Financial Planner.

They provide guidance and documentation support.

 

 

Key Adjustments to Consider for Income Plan

Don’t depend only on one instrument for income.

Keep part in ultra-short debt funds to manage emergency needs.

You may also allocate a small amount to floating rate funds.

Avoid riskier perpetuals if your lifestyle depends on this cash flow.

 

 

Capital Appreciation Portfolio – Review and Suggestions
 

You have allocated Rs. 4.1 crore across four funds:

Two Flexi Cap Funds – Rs. 2.5 crore

One Thematic Fund (Opportunities) – Rs. 80 lakhs

One Multi Asset Fund – Rs. 80 lakhs

 

This section looks well-structured. Still, here are some observations.

 

Flexi Cap Funds – Long Term Growth Drivers

These offer a mix of large, mid and small cap stocks.

Flexible allocation helps in market ups and downs.

You have spread Rs. 2.5 crore across two flexi caps.

It gives diversified equity exposure.

Good for your 5–7 year horizon.

Continue this investment.

 

 

Thematic Opportunities Fund – Aggressive but Focused

Thematic funds bet on specific trends.

They can perform well in short cycles.

But they are more volatile.

Rs. 80 lakhs is a high amount in one theme.

Reduce this to Rs. 50 lakhs.

Redirect balance to diversified equity or large-cap funds.

 

 

Multi Asset Fund – Helps Manage Volatility

These funds invest across equity, debt, and gold.

They balance returns with risk.

Ideal for medium-term wealth building.

You can continue this allocation.

Add a second multi-asset fund for balance.

 

 

Direct Plan Exposure – Re-evaluate for Personalised Support

Direct plans avoid distribution cost.

But guidance is missing.

Without CFP support, wrong fund choice or exit may happen.

Regular plans through a Certified Financial Planner give tracking.

They help during market swings, taxation and rebalancing.

This becomes very important in large-value portfolios.

 

 

Asset Allocation Review – What’s Working and What Needs Tune-Up
 

Your allocation is roughly:

45% towards income (Rs. 3.4 crore)

55% towards growth (Rs. 4.1 crore)

This mix looks aligned to your goal of current income and future corpus.

Still, consider the following:

 

Review this mix yearly with your Certified Financial Planner

If market rallies too much, shift some growth to income

If interest rates rise, reduce equity withdrawal and increase debt

Keep Rs. 25–30 lakhs in liquid fund for any large emergency

 

 

Taxation on Mutual Funds – Stay Aware of Recent Rules
 

Equity mutual funds:

LTCG above Rs. 1.25 lakh is taxed at 12.5%

STCG is taxed at 20%

 

Debt mutual funds:

Both LTCG and STCG taxed as per your tax slab

Most retirees fall in lower slab but tax planning still needed

Prefer SWP for income, not dividend option

Keep P&L statement ready for advance tax filing

 

 

Tax-Free Cash Flow – Can You Improve It?
 

You can also look at these steps:

Use HUF or family member’s name for part investment

Income from their investment gets taxed in their slab

Helps reduce your tax burden

Invest Rs. 1.5 lakh yearly in PPF for guaranteed, tax-free return

Can also explore Senior Citizen Savings Scheme (SCSS) if eligible

 

 

Avoid Index Funds – Not Suitable for Your Stage
 

Index funds copy the stock market

They don’t adjust based on conditions

There’s no downside protection in falling markets

Actively managed funds give more opportunity to earn and protect

Your current selection rightly avoids index funds

 

 

Avoid Direct Plans Without Support
 

Direct plans don’t include expert guidance

No one checks asset allocation or strategy alignment

You’re investing a large corpus. Mistakes cost more here

Use regular plans via an experienced Certified Financial Planner

They help in paperwork, KYC, taxation, SWP planning, rebalancing

Their personalised help adds more value than small cost savings

 

 

Perpetual Bonds – Should You Continue or Exit?
 

Not the best for regular income seekers

Issuer can skip interest if company faces pressure

Price of these bonds also swings with interest rates

You can’t rely fully on them for Rs. 4 lakh per month

Exit partly and shift to short-duration or banking PSU debt funds

These are better for predictable income with lower risk

 

 

Review of Liquidity and Emergency Planning
 

At least Rs. 30–35 lakhs should be in liquid or overnight funds

This money is for health, family needs or urgent situations

Don’t touch your income or capital funds for this purpose

This buffer will give you confidence and reduce portfolio risk

 

 

Risk Management – How to Prepare for Unseen Events
 

Review health insurance for self and spouse

If you’ve not already done it, get Rs. 25 lakh cover each

Consider critical illness policy to protect against long illness

Update nominations in all funds and accounts

Keep estate plan or Will ready. Talk to your planner on this

 

 

Rebalancing Strategy – Keep it Dynamic
 

Review portfolio every 6 months

Don’t chase top-performing funds blindly

Instead, rebalance as per your income need and age

Reduce equity by 5% every 2 years as you age

This protects corpus and supports steady cash flow

 

 

Finally
 

You’ve structured your Rs. 7.5 crore goal very thoughtfully

You are clear about income and long-term appreciation

Your fund choice is broadly good, with only minor changes needed

Avoid risky bonds like perpetuals as your lifestyle depends on monthly cash flow

Go for actively managed regular funds via Certified Financial Planner support

Keep tax, liquidity, insurance and emergency planning all in place

This will help you enjoy your retirement peacefully and confidently

 

 

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

...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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