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My Boyfriend is Perfect but My Dad Doesn't Approve - What Should I Do?

Anu

Anu Krishna  | Answer  |Ask -

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

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
Asked by Anonymous - Aug 07, 2024Hindi
Relationship

I have a relationship,he is a good guy, understanding,caring,and perfect at every aspect howI want my partner to be.But my father isn't agreeing to the marriage ,just because he earns less,and eant delay marriage by two years.My boyfriend is trying is trying his oevel best to cope up ,even had agreed to talk to my parents,also comvinced his family. The only problem lies is with my father. What shall I do?

Ans: Dear Anonymous,
I have mentioned in many of my responses to similar questions that: convincing someone against what they believe or wish to believe is an uphill task. Instead, learn to accept that your father may never want to agree to this marriage and if you and your partner are adults and if you have figured out compatibility between the two of you, then you know you can decide.

But I am sure that your father has his concerns, try and address those and who knows he may happily bless the two of you. Request your partner to talk to your father and make him understand why he is the right person for you. At the end of the day, obviously your father wants the best for his daughter, right?

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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Asked by Anonymous - Oct 17, 2024Hindi
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Hello I am having a relationship with my boyfriend for 12 years. We both have been maintaining long distance for the last 6 years. He comes to visit once in a year. He is very caring and loves me a lot. His actions prove that no doubt. He has not completed his graduation yet but works for a very good company in usa and earns well. We both want to get married but my father is not agreeing to it. My father thinks without the degree he is nothing, he can never keep me happy and he also thinks these type of less educated people might even torture physically and mentally. My boyfriend’s father financial condition is not good as well which is creating another hindrance as my father thinks i have no financial security. His parents have no problem with the marriage. They all stay abroad and i think my father dont want me to settle there. He wants his daughter to stay close to him. Now, i am in a dilemma of what should i do so that my father agrees to the marriage. I have totally decided that he will be the one i will be getting married to. Also i dont want to hurt my father and break the ties with him. I want my father to approve the marriage and he whole heartedly accept this marriage. How should i proceed on with everything?
Ans: Dear Anonymous,
You don't want this but this and that, that is okay but only if this happens. You can't solve a problem by putting so many constraints. You will reach a dead end.
Instead, be ready for some compromises that are inevitable given the outcome that you wish for.

What I mean is:
If you have decided to marry this person, be ready to accept that your father may never approve of the marriage and you may have to go through it without his approval
OR
You may have to go through the task of making both families meet and then ironing out their challenges with one another

Everything may not go as per plan so, do what's you can and then if things still don't work out, accept it...ultimately if you know your decision is right, well...

Okay, I am curious...if your boyfriend has not finished his graduation, how old is he and how old are you? Your father is then fully justified worrying about this as you two are quite young. Also, why are you going to depend on your boyfriend for your financial stability, Do you not have a job? Or do you not plan on working in the future?
Don't skirt around these questions as you know that doing anything rash and foolish can impact your entire life.

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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Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 26, 2024

Asked by Anonymous - Oct 24, 2024Hindi
Relationship
will soon be 25 yrs old but havent got a job yet and my partner is 29 yrs old. We know each other for the past 7-8 years and we are in a very healthy relationship so much happy with each other. We hv told about us in our families. They are willing to let their son marry the girl of his choice and in my family except my father everyone is happy for us. My mom likes him so much. He met my mom few times even came to home but havent met my father yet. I hv told my mom about us since march & my father in july. Since then me and my father are having heated arguments whenever i am trying to explain why i cant marry anyone by his choice. And i wish to marry this person. His issues are- Patriarchal thinking that how can a girl choose a guy for her marriage, its their parents job. Who told me to find a guy on her own. Secondly, Him being a maharashtrian. We belong to UP but living in mumbai for more than 25 years and my father has plans to shift back in UP after his retirement which is after 4 years. So he doesnt want me to leave here all alone by myself. Also he doesnt like maharashtrians, not even a bit. Thirdly, he is doing a private job but he is earning 70-80k monthly since my father is a govt employee. Hence he has got issues. What issues i am facing- he is giving all kinds of threats he can to stop me fir even dreaming about to get marry this person. He says even if the earth ends tomorrow i will not let you marry the person of your choice. It is our job to find a groom not yours. My elder brother who is 4 years older than me and my sister who is one year younger than me both are studying in delhi. It is just me and my mom and my younger brother who is in 8th std living here. And none of our relatives lives here. So he is verbally and physically abusing us. Even threatened me to put my partner and his family behind bars if they forces us to get marry. Since our (my and my mom) convincing and explaining to him is falling on deaf ears , we (my & my partner) are willing to take drastic step and get married in court. We are hoping that now only police intervention can help us to be with each other. But we are not taking this step right now cz many things are holding me back but we are willing to take if things goes even more worse later. Since we are not finding it worth to wait for his approval. Nor he wants to listen why i want to marry this person and what are my reasons to refuse any guy my father chooses for me. Neither willing to see or meet my partner. My mother is on my side. She even asked my partner to meet some of our relatives and family friends everyone liked him and us. Its just my father who is having and creating so many issues. Everyone wants to hlp us but jst because of my father's nature (him being a true narcissist perdon) all are hesitating about how to even start a conversation with him unless he doesnt talks abt this with them. My father is also avoiding to talk about this situation with anyone since it will bring down his reputation, what will the society and relatives think about us. Noone will marry my siblings if they get to know about this that their sister has forcefully left the house to marry the guy of her own choice. Please suggest me something what else i can do to make him understand and should i stop making efforts and do whatever i want to not now but after sometime. Take drastic step and leave the house. I also know what will be the consequences of my actions but can i do if he doesnt want me to see me happy or believing in my decisions. Atleast he should listen and see him personally that what i saw in this person. But he doesnt want. Please guide me.
Ans: Dear Anonymous,
What can you do if your father has a rigid thinking like this? Like you yourself have mentioned: that your father must see what you saw in this person.
So, how much effort has gone into that? It seems that all of you are quick to judge that your father is strict and that he does not like people from certain states etc...Okay, he is who he is, right? So, now tune your efforts from complaining about him to what you can do to make him see the good in your partner.
Also, I hope that your partner is in a reasonably good financial state for his age else this will become an issue with your father.
Address your father's concerns and that will help you and your partner actually move things further. You becoming financially independent also will give your father confidence that you are old enough to make certain decisions of your life.

Also, your mother supporting you is of little use; if your father has always been in charge, she will have little say in the matter, so do not depend on anyone right now. Take it upon yourselves now to address what your father finds worrisome and take each point and build something useful to counter that.
It will not be possible or wise to force him to agree as that may not happen, so work on actually making him see what you see in your partner.

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
Janak

Janak Patel  |21 Answers  |Ask -

MF, PF Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 10, 2025Hindi
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Money
Hi, I am 46 years old residing in a B Town in India. I have 2 daughters one 16 years old and second 7 years old. I have Savings of 25 Lakh in my account as emergency find. I have FD of 65 Lakhs. PF, PPF and NPS of 25 Lakhs, Mutual Fund and Shares of 25 Lakhs, Lic policies worth 25 Lakhs, Gold around 1.2 Crores. I have a medical insurance of 20 Lakhs for me and my family, Term insurance of 1Cr. As properties. I own 2 independent houses, 2 flats and 2 plots in Bangalore which has a current value of about 4.5 Cr. In my home town i have 2 Houses, 1 apartment and plots which has a current value of 2.75 Cr. Currently i am drawing a monthly salary of 2 Lakh rupees and get a rent of 30K/ month. I donot have any emi's and my monthly expenses is currently 75K. I am planning to retire at the age of 50. Is my financial condition stable to retire at the age of 50? Thanks for your suggestion in advance.
Ans: Hi,

Lets understand the value of your current Investments at the time of retirement. Below is the list with its current value and (expected rate of return).
Emergency Fund - 25 lakhs (3.5%)
Fixed Deposits - 65 lakhs (7%)
PF/PPF/NPS - 25 lakhs (8%)
MF/Stocks - 25 lakhs (10%)
LIC Policies - 25 lakhs (no change)
Your current investments listed above will achieve a value of 3.5 crore at the time of retirement 4 years from now.

Apart from this you have mentioned properties worth 7.25 Cr. Assuming you will only use/liquidate them if required, so excluding them from consideration for now.

You total income is 2.30 lakhs per month (includes rent) and expenses are 75k per month. So there is potential to add to the above investments for the next 4 years.

I will assume your current expenses are sufficient for the lifestyle you want to continue post retirement.
You will require a corpus on retirement after 4 years to sustain your expenses adjusted with inflation of 6% which will be close to 1 lakh per month (at the time of retirement).
With this starting point, and adjusting for inflation of 6% each year, and life expectancy of 30 years post retirement you need a corpus of approx. 2.5 crore - again assumed this will earn a return of 8% for the 30 years.
If you can invest wisely and generate a slightly higher return of say 10%, the corpus requirement will be 2 crore.

Your current investments at the time of retirement with value of 3.5 crore is sufficient to cover your expenses for the next 30 years inflation adjusted at 6%.
And this is excluding the properties you own and additional investments you can make for the next 4 years.

Summary - You are more than stable as far as your financial state is concerned. You have a strong base to meet your retirement needs and also a potential to create wealth for the generations ahead.

I want to highlight/recommend few points -
1. Increase the medical Insurance for yourself and family to 1Crore as medical expenses will only increase in future.
2. Stop the Term Life Insurance and save the premium for investment. As you have no liabilities and net-worth is high enough to cover any outcomes in life ahead, this premium is a lost cause considering your strong financial state.
3. Revisit the LIC Policies you have and consider surrendering/stopping them if they are not nearing their maturity. They are not giving you enough cover and providing below par returns. So do discuss with a trusted licensed advisor and evaluate them. If they will mature in the next 4 years, ignore this point.
4. Post retirement period is a long duration of 30 years, so do consider getting a good advisor - a Certified Financial Planner who can guide you to plan your retirement well and help you design a portfolio for additional wealth creation as a legacy for your children/dependents.


Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 11, 2025Hindi
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Money
Hi, I have the following funds part of my SIP and the last 4 funds are my one time lump sum of 35K each and invested sometime in November last year. Are these good to hold (lump sum) and rest as SIP for another 5 years. 1 Kotak Flexicap Fund - Reg Gr 2 Kotak Flexicap Fund - Dir Gr 3 Tata Multi Asset Opp Dir Gr 4 TATA Nifty 50 Index Dir Pl 5 Technology Plan - Direct - Growth 6 Bandhan Sterling Value Fund-(Reg PIn) -Gr 7 Nifty Smallcap250 Quality 50 Index Fund - Dir - G 8 | HDFC Dividend Yield Direct Growth 9 Quant Large and Mid Cap Fund Direct Growth 10 Quant Multi Asset Fund Direct Growth 11 Groww Nifty Non Cyclical Consumer Index Fund Direct Growth 12 Motilal Oswal Midcap Fund Direct Growth Thanks in advance for your guidance.
Ans: You have invested in multiple funds through SIP and lump sum. Holding them for the next 5 years is a good approach. However, it is important to check if your portfolio is diversified, aligned with your goals, and tax-efficient.

Overlap Between Funds
Your portfolio has multiple funds from the same category.

Too many similar funds do not improve returns but make tracking difficult.

Checking fund overlap can help avoid duplication.

Actively Managed vs Index Funds
You have index funds in your portfolio.

Index funds do not offer downside protection in market corrections.

Actively managed funds can outperform the index in volatile markets.

Switching from index funds to actively managed funds can improve growth.

Direct vs Regular Funds
You have invested in direct funds.

Direct funds may seem cheaper, but they lack expert guidance.

Investing through an MFD with CFP credentials ensures better selection and tracking.

Regular funds provide better decision-making support over time.

Sector-Specific and Thematic Funds
You hold a technology fund.

Sector funds are high-risk, as they depend on one industry’s performance.

If the sector underperforms, returns may be negative for years.

A diversified approach reduces risk compared to sector-based investing.

Smallcap and Midcap Allocation
You have smallcap and midcap funds.

These funds can be highly volatile in the short term.

Holding them for 5+ years is necessary to reduce risk.

Ensure you rebalance if the portfolio gets too aggressive.

Multi-Asset and Dividend Yield Funds
Multi-asset funds provide stability during market corrections.

Dividend yield funds are suitable for conservative investors.

These funds help in balancing the portfolio between risk and return.

Final Insights
Reduce overlapping funds and focus on fewer, well-performing funds.

Exit index funds and shift to actively managed funds for better growth.

Consider switching from direct funds to regular funds for expert tracking.

Keep sector funds below 10% of your portfolio to avoid concentration risk.

Continue SIPs in high-quality diversified funds for long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Listen
Money
Can I run my family with 15 k exp and 20k retirement income
Ans: You have a monthly retirement income of Rs 20,000 and expect monthly expenses of Rs 15,000. On paper, this looks manageable, but there are important financial factors to consider. Let us analyse whether this income will be sufficient for the long term.

Cost of Living and Inflation Impact
Expenses will increase over time due to inflation.

If inflation is 6% per year, your Rs 15,000 monthly expenses may double in 12 years.

If income remains Rs 20,000, the gap between income and expenses will widen.

Healthcare and Medical Costs
Medical expenses increase with age.

Even with health insurance, out-of-pocket medical costs can rise.

If a medical emergency arises, your savings could be depleted quickly.

Emergency Fund Requirement
A sudden family emergency can strain finances.

Having at least 2–3 years' worth of expenses in a liquid fund is necessary.

If you do not have an emergency fund, your retirement income may not be sufficient.

Unplanned Expenses and Lifestyle Changes
New financial needs may arise, such as helping family members or home repairs.

You may want to travel, pursue hobbies, or engage in social activities.

A fixed retirement income can make such expenses challenging.

Investment Strategy for Long-Term Security
To beat inflation, invest a portion of savings in growth-oriented assets.

A mix of equity and debt funds will help generate better returns.

A Systematic Withdrawal Plan (SWP) from equity funds can provide a higher monthly income.

Alternative Income Sources
Consider part-time work, freelancing, or consulting if possible.

Rental income or dividends from investments can support retirement cash flow.

Final Insights
Rs 20,000 may be enough now, but inflation and rising costs can make it insufficient later.

A combination of investments, emergency funds, and alternate income sources will provide financial security.

Regularly review and adjust your financial plan to sustain your retirement lifestyle.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

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