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Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 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
MM Question by MM on May 05, 2022Hindi
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Relationship

My partner and I have temporarily been in a long-distance marriage due to our love for work.
When, I am with him in a nuclear set up, he is generally caring and cooperating giving me space to grow.
But my in-laws expect me to stay with them for months or wish to stay with us for two to three months at a stretch. They function very differently and hold traditional views. I am providing few examples although there are many other incompatibilities.
1. Want me to eat rice three times a day and cook the same for my husband
2. Refrain from wearing a few colours. Give remarks regarding length of my trouser.
3. Ask me to wear bangles all the time.
4. Tell me never to make my husband do my tasks like drying my clothes in the sun as this is against Indian culture.
5. My mother-in-law has strange rules like all food has to be thrown away if utensils touch the body accidentally.
6. I am not allowed to serve myself food in fear of above rule.
7. Excessive number of rituals and poojas.
I do not want to disrespect their culture or change them in their own life. I co-operate but I function extremely differently and my priorities are very different. I am not okay with them coming for two to three months at a stretch and I am freedom-deprived in my own home when I live with my husband.
I have a job that demands from me mentally even when I am at home. I can adjust to their rules for few days but not for so long. Also, I fear they will pressurize me into going there/coming here for a long time after a baby and try to tell me how to take care etc.
My husband is shy and often stays silent in front of his mother. He goes to his parents’ house for three months in a year and I am happy that he can be with his parents.
Please help in drawing boundaries/guide me in achieving balance.

Ans:

Dear MM,

Be very forthcoming and expressing to them that there are a few things that you might be unable to comply not because you don’t respect them or their customs, but because it causes you more effort to do that.

Another way to think is: it’s only a couple of months that they are around, can I simply work around it and sort this out amicably?

Truth be told: we focus on what we don’t like more than what you like and then what we don’t like starts to grow in the mind with situations and people associated with those become ‘villains’.

Now, I don’t say that you don’t have challenges, but to worry about a baby when there isn’t one as yet, seems like you have already decided how horrible things are and will be.

So, you will be fighting a battle with your partner and put him in a fix to fix things, Why don’t you do that yourself?

Draw boundaries by clearly stating what you can do and do that with a lot of love rather than as a favour.

Once they see and feel this, they are maybe willing to see things from your point of view as well and adapt to your way of thinking.

Give some, Take some.

I am sure this is something that you might surely be able to do considering that you are working hard to make things happen.

So, All the Best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 2022

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Relationship
Dear Anu, I have been married for 3 years. Everything is going well with my husband except there is one problem. If there is anything wrong done by his parents, he never takes a stand or protests.My in-laws are not very friendly people.After our marriage they have never tried to keep in touch with my parents or at least have the courtesy to invite once to their house. My parents have frequently tried to invite them and also tried to keep contact but nothing is achieved if it's one-sided. I told my husband about all this but he never ever tried to explain or correct them of their wrong doings.My mother-in-law had also insulted me few times raising questions on how I was brought up within the first year of our marriage. And later as well. I work and sometimes due to prolong working hours I am not able to contribute to household work. My mother-in-law started asking if at all I do any household work or whether I am always busy with my office work. She already knew that I would be working after marriage and was fine with it.Because of the lockdown we are staying with them for a long period and I am embarrassed to tell this but every day is killing me. When I stay with them I have to be a totally different person. I have to live their lifestyle which is totally opposite to how I used to live with my husband alone.Because of all the above circumstances, I am not keen on staying with them. I don't see a future where I can stay with them. I am ready to take care of them but can't stay under one roof. My husband is well aware of my feelings. But never does anything about it. Every time I tell him, he blames me that I don't want him to stay with his parents. Else he takes good care of me and is a good person. My parents also like him except this one complaint.I am totally clueless now how to make him understand because we end up fighting rather than discussing. In the long run I can't stay with my in-laws because our lifestyle doesn't match and of course the hurtful things they have done. They are not even ready to adjust rather would expect me to completely change for them. And that's what dreads me.I can't live in this way for long. It is causing me a lot of mental stress.Please provide your valuable suggestions.
Ans:

Dear SN,

Hasn’t the lockdown ended for a while now?

Why are you still with them?

What was the initial reason of moving in with them?

Does that reason still exist?

Being part of a joint/extended family system isn’t a cake walk; each person is unique and so are their thoughts and experiences and they will want the other person to live by their experiences and rules. But of course, an emotionally mature person would believe in giving space for another person grow and evolve and swim around the family dynamics. Well, it isn't the case here.

Why don’t you drop down a pros and cons list for When I move out and for When I stay here.

Weigh it down to its granular detail. Also, try and figure out why your husband is so against talking to them.

Sometimes, it maybe a minor adjustment that everyone needs to go through, but our movies and sitcoms have done enough damage to our minds where the drama looks never ending and where one party is to blame. Usually, the adjustment has to happen from both ends.

Bring this to a place where everyone gains, and everyone is happy. Maybe moving out is an option that you seek but will this go well with your husband and remember, he might do this for you, and in the long run in might end up blaming you for it. It’s complicated.

So, take time and work on the pros and cons, why your husband is against talking to them about this and also ask yourself: Have I done everything that I can to live joyfully under one roof?
You will have a path to your solution soon.

All the best!

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Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2022

Relationship
I got married in 2018 and it was an arranged marriage. Everything seemed very perfect for me. But soon after things got weird as I realised my husband does not share good rapport with his own family. From day second, I felt I need to correct my husband' attitude towards his own parents. He loves me a lot and protects me from any type of problem while we were staying at my in-laws' house. But before completing 2 months we moved out and somewhere I knew there is no going back to his parents from that point. During the short 2 months stay I was told that my parents did not give me good stuff -- I mean bed, almirah and (that they) had not arranged our marriage function in the best way possible. I have seen them fighting among themselves for purchasing Maggi packets stating who will pay the price. I was told my husband who is eventually their real son contributed nothing to his sister's marriage, to their house construction and to his own marriage. I was asked to pay for the marriage album as my husband contributed nothing to his own marriage. Even after leaving their place bank payment related messages have been sent to me to pay the amount. One day after feeling helpless I asked them: If your son is having so much problem why did you marry him. They simply stated that they did it for the sake of society. The moments before leaving the house were tense. They threw a lot of tantrums -- they took the jewellery they'd purchased for me and also retained the jewellery given by my parents. I said nothing about it as those materialistic things never mattered to me. I had to take back a part of jewellery made by my parents from them as my parents wanted it back. But after leaving home they did not call to ask anything about our health or our problems with the new set up but instead called for money. They are threatening to come back if we don't talk to them on regular basis and bend their son on his knees to come back to his parents. Till some time, I was under the impression that my husband is having issues; that he is the monster who is abandoning his parents. When I learned his side of story, I realised he is not at fault completely. They never made him feel loved or accepted; and always compared him with others. They considered him as their investment plan as they are all the time cursing him for not providing any financial support without knowing at what salary he is working for, what are his monthly expenses and whether he is in a position to assist them financially.He doesn't have any good memories with his family. Still I tried to make him feel their pain to be left alone behind their only son. After leaving their house they started to abuse me on phone whenever they wanted. They cursed me and my parents for taking their son away from them. My husband is the typical Indian male who on the first night took control of my debit card as he thinks it is his birth right. He strictly told me what not to wear. Although these were major flaws in the attitude, he showed love towards me so I did also do the same. I am happy with him. But with this constant verbal abuse from his parents, I feel like I’m the one who is the culprit here. I was not ready to even extend my family with my husband but somehow I did take the decision after four years of my marriage. I am expecting now but my husband warned me to not inform about this to his parents otherwise, he will send me permanently to my parents’ house. My subconscious is shaking me in every 2 to 3 weeks that I’m the culprit here. I feel like my child will also leave me behind the way we left his parents behind. They insulted me in every possible way but I still don't want them to be left alone in their senior years like this. But I have no control over my husband he is way more detached towards them and maximum time insensitive to their problems. Also his parents always call to either abuse me or their son they did never ask us how we are if we are fine even in corona time I was positive and when they knew about they call my husband to make fun of this. Please suggest.
Ans:

Dear MB,

Too much going on in your mind all at once. Sometimes, it helps to compartmentalize.

It seems like you are being a nice human, have tried patching things between the son and his family.

Let it alone, it is unique and it’s their battle to fight. By you getting into this, it might eventually be pointed out that you are a bad wife and a bad influence on their son.

People when in distress lose sense of logic and blame everything on the external. So, you have done your bit, in vain…now stay away from their relationship.

What is meant to be, will be. Any more interference might only harm the relationship further.

As for you, when they call and abuse, kindly assert that you will not be talked to in that manner OR simply avoid their calls till the time they ask, then say: I do want our conversations to be had with respect both ways.

As for your husband taking away your debit card; it does seem his way of exercising control which he lacks with himself in relation to his parents.

He feels helpless and him taking charge of what you wear etc is his way of establishing ground rules by being a patriarch.

Please rework this soon else this will be observed by your children especially if you have a girl child.

Your meek submission is what she will learn from you.

Just like you took your streedhan back, what you feel you have a personal association and right over, kindly take it back.

His love for you does not mean that he owns you and it does not mean you need to submit.

Of course, if it is to maintain peace for the time being, alright…but over a period of time this has to change.

Enjoy the pregnancy without bringing unwanted worries that your child will also leave you etc.

Too much of commercial movies can instil these fears. Your husband and his family made this choice to harbor animosity towards each other.

Why will your child do the same with you? There is no transference. Simply, enjoy being pregnant, focus on yourself and your child.

Think good, eat good, feel good, laugh a lot and choose what who you want around you. It affects the child directly.

Please become responsible now towards your unborn child. He/she needs you.

Be with Nature a lot, listen to calming music…your baby will thank you someday for this. So smile and get on to enjoying your pregnancy.

Be happy and all the best!

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Anu

Anu Krishna  |1746 Answers  |Ask -

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

Asked by Anonymous - Apr 08, 2024Hindi
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Relationship
My wife got posted in distant place 10 years back. I had to ask for help from my inlaws as our child was very young. They started to live with her. After 1 year she got transferred back to the place where I was living. She got a flat from the company and we started to live together. Since then my inlaws are also staying with us. They purchased another flat nearby but are not willing to move there. Now, the problem is that whenever me and my wife have a quarrel she just stops talking and starts to take decisions in consultation with my inlaws. I am completely out of the loop in these circumstances. Over the years my relationship with inlaws has gone sour and quarrels with wife have been lasting longer (upto 2 months). My inlaws are otherwise well behaved but their presence somehow is hindering the process of natural reconciliation between me and my spouse or I am perceiving the situation incorrectly. Please guide
Ans: Dear Anonymous,
What you all have done is jumped impulsively into one situation, made it comfortable asking people to help and then jumped back into the original situation and not knowing how to ask the same people to stay away!
Your wife has to grow out of her parents being around and you have to understand that your in-laws have got used to stepping in while you were away.
It's about time that you and your wife had a mature conversation on how to manage your family yourselves and be responsible for raising your child. But do remember to deal with your in-laws carefully. After all, they gracefully kept their lives on hold to help your wife and your child. Without hurting their sentiments, you are going to have to convey to them that you are thankful for what they have done for you BUT now you would like to be there for your family. Initially, this will hurt them and your wife, but anymore of this game will pull you and wife away from one another. So, they do need to move out...
You are not cutting strings but simply loosening the grip it currently has which is unhealthy for your marriage. Hope that your wife also understands this which means she will put you to test and in her mind or vocally compare what you bring to the table and how her parents supported her. Bear with it and as the two of you work together in putting the family back together, she will eventually understand that this is for the best.

All the best!

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Anu

Anu Krishna  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 12, 2024

Asked by Anonymous - Jun 02, 2024Hindi
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Relationship
I've been married for 20 years and my in laws staying with us for over 14 years now. I'm ok with my mother in law but have a very stressful relationship with my father in law. 13 years back he tried to overstep his boundaries in FIL-DIL relationship and i created lots of noise about it and told everyone in no unclear terms that such overture are not acceptable. However due to their complete financial dependency on my husband, they have still continued to stay with us. My FIL tried a couple of time to apologize personally but after sometime he has started telling that he is the aggrieved party and misunderstood. I strictly avoid speaking with him unless totally necessary wrt some house issue or child related issue. He interferes in my decision related to my child, like taking him off the activity classes where i enrolled, allowing him to eat junk food when i have strictly told no because of IBS related problem etc. I've also told my husband in no unclear terms that i want a separate household, but unfortunately because of their old age and for fear of society norms he isn't doing it. The environment in my house is quite stressful because of this to me, everyone else is just continuing without bother. How to deal with this? I tried living in other city with my child as well but then felt my house is breaking without any fault in our relationship (husband- wife), and my child was feeling emotional so i returned. This situation and stress has given me health conditions and made me irritable as well. I just don't want to live like this but have no option but to continue it seems. I need suggestion how to handle this.
Ans: Dear Anonymous,
What society says is more important that actually safeguarding his wife from a predator father? Seriously?
Your husband needs a lesson or two in responsibilities in marriage and that also includes 'protecting' his wife...
Now, if he is worried that they are old and what will the society say, ask him what the same society will say when they know what his father is up to?

Your father-in-law is just trying to punish you for your refusal by interfering in how you should be raising your child...
Please do not put up with this kind of nonsense! Someone needs to drive sense into your husband and yes, you need to live separately from your in-laws. Your father-in-law is not a great influence at this point in time and your husband needs to move beyond his 'blind' love and sense of duty towards them.

You and your child are also his priority and when a wife feels unsafe, the husband has no option but to address it and make her feel safe again. Your husband is conveniently avoiding the confusion that will emerge from living separately and hence is taking the easy way out.
Talk to him and put your foot down. If he is still unwilling, please ask your family members to drive some sense in him. He can take care of them living a few blocks away, right?

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  |1746 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 20, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Relationship
Hello, I am 38 years old. I have been living abroad since I was 21 years old. I have been focused on my career since then. I got married in 2021 in India and just after 4 months living in India, we again moved abroad. This country was new for me and my my wife, but my brother was already settled in this country with his family. As I was living away from my family for many years, me and my wife decided to live in a joint family with my brother’s family. However, I was quite busy adjusting to my new job, my wife couldn’t adjust well to my side of the family, my brother, his wife and my mother. After living together with everyone for a year, me and my wife decided to live separately from my side of the family. Now after 5 months my wife became pregnant and we both wanted to have a child. So even though my family was quite close and could have supported us during this time. I decided to sponsor my in laws on a visa so that my wife could feel supportive during this time. We had a girl child and I have avoided to communicate to my family during this one year so that my wife doesn’t get any stress or anything from my family. However as soon as we had a child, I have invited my mother and my brother family to visit my daughter. Now my in laws have started quarreling with me once in a while. And they convinced my wife to go to India with them. My wife has been living in India since last 6 months, they would never let me see my daughter over the phone call, and whenever I called them they would ask me for the money/gifts. Let me add to that when I went abroad, my wife was not working initially and I used to give her 30% of my salary and I used to bear all the expenses. When my in laws started living with us, I over heard them talking if I continued having relationship with my side of the family, she would buy her a home in India and take my daughter away from me. Now recently I came to India to get everything sorted, I do not think my wife would be willing to come with me without my in laws. How could I convince her to start over and repair our relationship for us and our beautiful daughter.
Ans: Dear Anonymous,
I am sure you see a pattern in your wife's actions. At the risk of sounding judgemental, I will say: She does like to get her way in most things.
How else do you explain that when she is stressed keep them away and when she needs, she wants them back?
How can you expect to have support from your side of the family when you two decided to alienate them?
How does it work when she decided to stay back with her family with absolutely no regard that you as father will want to be close to your daughter?
How do you explain that they secretly conspire to take your daughter away from you if you involve your family?

Do you not see the immaturity of how they have very systematically alienated you from your family and your daughter?

To be able to put things together, your wife really needs to get away from her parents. They seem to hold the strings and have no qualms about spoiling their daughter's life...Bring her out of that family and move to a location that is not easily accessible to them; as in maybe back abroad, so they are not in and out of your home. Start building your relationship with your wife by being a hands-on father and that may also give her an idea as to the person that you are. You must be appreciated for the person that you are...Give this a shot!

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

Latest Questions
Ramalingam

Ramalingam Kalirajan  |10879 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2025

Asked by Anonymous - Dec 11, 2025Hindi
Money
Hello Sir, I am 56 yrs old with two sons, both married and settled. They are living on their own and managing their finances. I have around 2.5 Cr. invested in Direct Equity and 50L in Equity Mutual Funds. I have Another 50L savings in Bank and other secured investments. I am living in Delhi NCR in my owned parental house. I have two properties of current market worth of 2 Cr, giving a monthly rental of around 40K. I wish to retire and travel the world now with my wife. My approximate yearly expenditure on house hold and travel will be around 24 L per year. I want to know, if this corpus is enough for me to retire now and continue to live a comfortable life.
Ans: You have built a strong base. You have raised your sons well. They live independently. You and your wife now want a peaceful and enjoyable retired life. You have created wealth with discipline. You have no home loan. You live in your own house. This gives strength to your cash flow. Your savings across equity, mutual funds, and bank deposits show good clarity. I appreciate your careful preparation. You deserve a happy retired life with travel and comfort.

» Your Present Position
Your current financial position looks very steady. You hold direct equity of around Rs 2.5 Cr. You hold equity mutual funds worth Rs 50 lakh. You also have Rs 50 lakh in bank deposits and other secured savings. Your two rental properties add more comfort. You earn around Rs 40,000 per month from rent. You also live in your owned house in Delhi NCR. So you have no rent expense.

Your total net worth crosses Rs 5.5 Cr easily. This gives you a strong base for your retired life. You plan to spend around Rs 24 lakh per year for all expenses, including travel. This is reasonable for your lifestyle. Your savings can support this if planned well. You have built more than the minimum needed for a comfortable retired life.

» Your Key Strengths
You already enjoy many strengths. These strengths hold your plan together.

You have zero housing loan.

You have stable rental income.

You have children living independently.

You have a balanced mix of assets.

You have built wealth with discipline.

You have clear goals for travel and lifestyle.

You have strong liquidity with Rs 50 lakh in bank and secured savings.

These strengths reduce risk. They support a smooth retired life with less stress. They also help you handle inflation and medical costs better.

» Your Cash Flow Needs
Your yearly expense is around Rs 24 lakh. This includes travel, which is your main dream for retired life. A couple at your stage can keep this lifestyle if the cash flow is planned well. You need cash flow clarity for the next 30 years. Retirement at 56 can extend for three decades. So your wealth must support you for a long period.

Your rental income gives you around Rs 4.8 lakh per year. This covers almost 20% of your yearly spending. This reduces pressure on your investments. The rest can come from a planned withdrawal strategy from your financial assets.

You also have Rs 50 lakh in bank deposits. This acts as liquidity buffer. You can use this buffer for short-term and medium-term needs. You also have equity exposure. This can support long-term growth.

» Risk Capacity and Risk Need
Your risk capacity is moderate to high. This is because:

You own your home.

You have rental income.

Your children are financially independent.

You have large accumulated assets.

You have enough liquidity in bank deposits.

Your risk need is also moderate. You need growth because inflation will rise. Travel costs will rise. Medical costs will increase. Your lifestyle will change with age. Your equity portion helps you beat inflation. But your equity exposure must be managed well. You should avoid sudden large withdrawals from equity at the wrong time.

Your stability allows you to keep some portion in equity even during retired life. But you should avoid excessive risk through direct equity. Direct equity carries concentration risk. A balanced mix of high-quality mutual funds is safer in retired life.

» Direct Equity Risk in Retired Life
You hold around Rs 2.5 Cr in direct equity. This brings some concerns. Direct equity needs frequent tracking. It needs research. It carries single-stock risk. One mistake may reduce your capital. In retired life, you need stability, clarity, and lower volatility.

Direct funds inside mutual funds also bring challenges. Direct funds lack personalised support. Regular plans through a Mutual Fund Distributor with a Certified Financial Planner bring guidance and strategy. Regular funds also support better tracking and behaviour management in volatile markets. In retired life, proper handholding improves long-term stability.

Many people think direct funds save cost. But the value of advisory support through a CFP gives higher net gains over long periods. Direct plans also create more confusion in asset allocation for retirees.

» Mutual Funds as a Core Support
Actively managed mutual funds remain a strong pillar. They bring professional management and risk controls. They handle market cycles better than index funds. Index funds follow the market blindly. They do not help in volatile phases. They also offer no risk protection. They cannot manage quality of stocks.

Actively managed funds deliver better selection and risk handling. A retiree benefits from such active strategy. You should avoid index funds for a long retirement plan. You should prefer strong active funds under a disciplined review with a CFP-led MFD support.

» Why Regular Plans Work Better for Retirees
Direct plans give no guidance. Retired investors often face emotional decisions. Some panic during market fall. Some withdraw heavily during market rise. This harms wealth. Regular plan under a CFP-led MFD gives a relationship. It offers disciplined rebalancing. It improves long-term returns. It protects wealth from poor behaviour.

For retirees, the difference is huge. So shifting to regular plans for the mutual fund portion will help long-term stability.

» Your Withdrawal Strategy
A planned withdrawal strategy is key for your case. You should create three layers.

Short-Term Bucket
This comes from your bank deposits. This should hold at least 18 to 24 months of expenses. You already have Rs 50 lakh. This is enough to hold your short-term cash needs. You can use this for household costs and some travel. This avoids panic selling of equity during market downturn.

Medium-Term Bucket
This bucket can stay partly in low-volatility debt funds and partly in hybrid options. This should cover your next 5 to 7 years. This helps smoothen withdrawals. It gives regular cash flow. It reduces market shocks.

Long-Term Bucket
This can stay in high-quality equity mutual funds. This bucket helps beat inflation. This bucket helps fund your travel dreams in later years. This bucket also builds buffer for medical needs.

This three-bucket strategy protects your lifestyle. It also keeps discipline and clarity.

» Handling Property and Rental Income
Your properties give Rs 40,000 monthly rental. This helps your cash flow. You should maintain the property well. You should keep some funds aside for repairs. Do not depend fully on rental growth. Rental yields remain low. But your rental income reduces pressure on your investments. So keep the rental income as a steady support, not a primary source.

You should not plan more real estate purchase. Real estate brings low returns and poor liquidity. You already own enough. Holding more can hurt flexibility in retired life.

» Planning for Medical Costs
Medical costs rise faster than inflation. You and your wife need strong health coverage. You should maintain a reliable health insurance. You should also keep a medical fund from your bank deposits. You may keep around 3 to 4 lakh per year as a buffer for medical needs. Your bank savings support this.

Health coverage reduces stress on your long-term wealth. It also avoids large withdrawals from your growth assets.

» Travel Planning
Travel is your main dream now. You can plan your travel using your short-term and medium-term buckets. You can take funds annually from your liquidity bucket. You can avoid touching long-term equity assets for travel. This approach keeps your wealth stable.

You should plan travel for the next five years with a budget. You should adjust your travel based on markets and health. Do not use entire gains of equity for travel. Keep travel budget fixed. Add small adjustments only when needed.

» Inflation and Lifestyle Stability
Inflation will impact lifestyle. At Rs 24 lakh per year today, the cost may double in 12 to 14 years. Your equity exposure helps you beat this. But you need careful rebalancing. You also need disciplined review with a CFP-led MFD. This will help you manage inflation and maintain comfort.

Your lifestyle is stable because your children live independently. So your cash flow demand stays predictable. This makes your plan sustainable.

» Longevity Risk
Retirement at 56 means you may live till 85 or 90. Your plan should cover long years. Your total net worth of around Rs 5.5 Cr to Rs 6 Cr can support this. But you need a proper drawdown strategy. Avoid high withdrawals in early years. Keep your travel budget steady.

Do not depend on one asset class. A mix of debt and equity gives comfort. Keep your bank deposits as cushion.

» Succession and Estate Planning
Since you have two sons who are settled, you can plan a clear will. Clear distribution avoids conflict. You can also assign nominees across accounts. You can also review your legal papers. This gives peace to you and your family.

» Summary of Your Retirement Readiness
Based on your assets and cash flow, you are ready to retire. You have enough wealth. You have enough liquidity. You have enough income support from rent. You also have good asset mix. With proper planning, your lifestyle is comfortable.

You can retire now. But maintain a disciplined withdrawal strategy. Shift more reliance from direct equity into professionally managed mutual funds under regular plans. Keep your liquidity strong. Review once every year with a CFP.

Your wealth can support your travel dreams for many years. You can enjoy retired life with confidence.

» Finally
Your preparation is strong. Your intentions are clear. Your lifestyle needs are reasonable. Your assets support your dreams. With a balanced plan, steady review, and mindful spending, you can enjoy a comfortable retired life with your wife. You can travel the world without fear of running out of money. You deserve this peace and joy.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2577 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 10, 2025

Asked by Anonymous - Dec 10, 2025Hindi
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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