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49-Year-Old Man Asks for Advice on Ending Affair with Married Woman

Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 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 - Sep 12, 2024Hindi
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Relationship

Respected M'aam, I am a 49 year old male, divorced for the last 15 years. I had been in a relationship for a few years with marriage on the cards. However, for some reason, her uncle objected and got her parents who were initially happy and agreeable to withdraw their consent. Hence, this didnt work out and we parted ways amicably. About three years back, I was approached by the wife of a friend whose marriage was going through a rough patch, for some advice and help in getting her husband back on track. However, the husband refused to change ways and their marriage remains to be rocky. This lady and I got chatting often and we became friendly. Only a few short weeks since we first met, she started visiting my house regularly. I live alone and have no living relatives. Initially these visits would be to go over prospective jobs for her husband and later on, this topic was completely ignored and we started chatting on friendly basis. What started as small physical gestures soon developed into a major physical relationship. This physical relationship has been going on for almost three years now. Everytime, she has a fight at home, she visits me and we end up getting physical. This happens almost twice a week. In the meantime, I meet her husband almost daily and have to pretend as if everything is normal, all the time hiding this fact. She doesnt want to divorce him and marry me despite being asked many times even though this itself shall be the cause of me being socially boycotted by all my friends. She wants to continue having physical relations with me and wants our relationship to be simply for this reason. I tried ending it often, but she would turn up at my door and I would have to take her in and we would again end up being physical. I do not know what to do anymore even though I want to end this but she doesnt. Please advise. Thanks

Ans: Dear Anonymous,
Kindly get out of this mess before you not just your friends but also lose your peace of mind. You are right in wanting to end things as it has been clear to you for a while now that this 'thing' that you have gotten into is not going anywhere.
The lady is absolutely clear about wanting you for her physical needs, a bit of attention and a lot of emotional caring...where does that leave you with? Nothing!
So, be wise and do what you have been wanting to for a while...

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  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Relationship
Dear Mam. I like a girl precisely 23 years back through one of my relative. We met quite often.she was from different city. She confessed that she loves me and we were going good. The meetings used to happen only with the knowledge of my relative. One day I called her and requested for a meeting without the knowledge of my relative . There she confessed that she loves somebody else. It was shocking . I supported her and she went back to her boyfriend. I dont know what happened between them afterwards.As the time passed we married to different spouses. In 2016 she mailed me.( requesting for my number and for a meeting). We met and there she confessed that she does not love her husband. I asked about her boyfriend . She said that they are facebook friends. After that we talked quite often. We met also many times. Three years back I realised that she is still in touch with her boyfriend and they both are liking each other post and profile pics and used to talk long on whatsapp calls. When I confronted her she said that she still have feelings for each other.Lately she has started defending him and used to put status on whatsapp only where they both have good times. I can see that. I dont know how their spouses are reacting when they like each other post and pics. Myself and my wife had an arranged marriage . We are poles apart on many things. Somehow we both are managing our lives. She knew my past. What is bothering me Mam that she has only treated me as time pass. I gave her so much of my time. I Respect her. She has always used the word parallel ( for me and her boyfriend). Though she has hided me from her husband , but once I met him because she wanted that.Her boyfriend is in all her groups and social media apps like fb, insta. Kindly suggest me what should I do. Its an old feeling. Though we have moved on.
Ans: Dear Anonymous,
When you have realized that she is using you as a 'Time Pass', why exactly are you still mulling over the whole issue?
Do you still want to be her 'only available person' when she chooses to connect with you?
Going weak with feelings now from 23 years back doesn't really make sense, does it?

She hasn't quite figured out who she is with or who she wants to be with. (That's what I can gather from what you have shared in your email). So, why are you putting yourself in the equation as one the one men around her?
Take yourself out of it and focus on your life and its happenings. You and your wife maybe poles apart, but that need not be a reason to be someone's 'Time Pass.'

If you say that you have moved on, then truly move on. No point wasting your time on the past and someone from the past who has little respect for you, your feelings or your time.

All the best!

..Read more

Kanchan

Kanchan Rai  |512 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 16, 2024

Asked by Anonymous - Dec 08, 2024Hindi
Relationship
I have a friend for over 9 years. She is 38, married with a 13 yr old boy and I am single and 32. Ever since we have known each other we have been friends. I never had romantic feelings or intimate thoughts about her(I guess I am not that much into married women). Over the course of years since 2015, we have had a very close friendship and at a professional capacity I am tutor to her child.(The child has been hanging out with me since he was 4). Me and the lady went for vacations and have spent countless nights on the balcony with a drink and lots to talk about our lives. I am thoroughly aware of her troubled marriage including instances of DV and her complicated upper middle class family dynamics. She knows my childhood, how I lost my parents and has been close watcher of how I have transformed over the years. In 2020 in a moment of my weakness, loneliness, desperation I spoke to her extensively even breaking down and she somehow made the call the treatment me like a son and I have ever since addressed her as 'Maate'. (My mother passed away in childbirth so my knowledge of a mother's presence is next to 0) During the pandemic where we could barely meet during to distance and lockdown. Her husband also moved to UK for work. A new "friend" comes to the picture. I did not meet him at the beginning but after a few months, I notice my friend taking care of the finances, lifestyle choices of the"friend". He enjoys the involvement citing how difficult his life was where his parents could not provide such interactions when he was a kid. (The "friend" is 28 years old). The "friend" also a leukaemia survivor indulges in alcohol with us, tries other substances in her company and one night confesses his feelings to Maate. Maate tells him that she has a kid, a husband and a boyfriend so those spectrums there is no space for the "friend". So the "friend" officially friendzones himself but over the times has arranged him to stay in her place, sleep in her bed, cuddle with her everynight(can't sleep otherwise) has access to her emails, photos, phone password, and subtly starts taking control over her house to get things done his way. He even does not allow the 13 yr old child sleep with his mom because the child gets a pole in his sleep(like of teens and men) it creeps the "friend" out. Finally after a night of drinking I suddenly woke up to sounds of moaning early in the morning from her bathroom. So the "friend" finally had his long overdue sex at 6 am in the morning in her bathroom. I wake to listen to Maate moaning buty paranoia kicks in when I see her kid waking up and standing behind me and asking 'where is Mamma'. I have no words, I have no idea what to do. I take him away on the pretext of making some yummy breakfast. Now the problem for me is: 1. I have lived by a few codes and one of them is not to cross boundaries with female friends. I have stayed friends with them for over 2 decades. So someone doing it infront of me and calling it friendship and apologizing with the words 'heat of the moment','honest mistake', 'drunken daze', etc just makes me call it bullshit. The "friend" wanted it and took the first shot he got. 2. My Maate asking me to let it go, forgive and treat the "friend" like a younger brother. I have tried it a lot over the last year and I sincerely can't(because of reasons mentioned in Point 1) 3. Saying it to openly to Maate has starined my equation with her. I just want to stay away from such a "friend" but evidently voicing it out (albeit in a very loud manner) pushed away my closest confidant. The only thing I know is if things get better I can't pull of this pretentious stuff and it will make me burst again. I don't know what to do here.
Ans: You’ve built your life around certain principles—one being the importance of boundaries and respect in friendships. Seeing those boundaries crossed in a way that you perceive as disrespectful to the sanctity of your connection with Maate, as well as her responsibilities as a mother, strikes at the heart of your values. It’s no wonder that you feel uneasy and unable to simply accept her request to forgive and treat the “friend” as a younger brother.

What’s critical here is that your feelings of discomfort are not about being judgmental but about being protective—of your bond with Maate, her child’s well-being, and your own emotional integrity. This situation has left you in a moral and emotional bind. You value the relationship with Maate, but the dynamic involving the “friend” is deeply troubling for you.

To move forward, you need to find a way to honor your values while also preserving your emotional well-being. Open communication is key, but it’s also clear that the way this has been discussed so far has caused strain. You might need to reframe your approach. Instead of focusing on the specifics of what happened or pointing out the flaws in the “friend’s” behavior, you could focus on how the situation has affected you. Express your feelings honestly but gently—share how it has created a sense of distance and how much you miss the closeness and trust you once shared.

At the same time, it’s important to set boundaries for yourself. You don’t have to accept the “friend” into your life if it feels wrong to you. However, you can make it clear to Maate that this boundary is about your own peace of mind and not a judgment of her choices. Acknowledge her autonomy while asserting your need for space from situations that make you uncomfortable.

Ultimately, this might mean accepting that the relationship with Maate will change. Relationships evolve, and sometimes people we care about make choices that we can’t fully align with. It doesn’t mean you have to sever ties, but it does mean redefining the terms of your connection in a way that allows you to stay true to yourself.

Take time to reflect on what you need to feel whole and grounded. This situation has understandably shaken you, but it’s also an opportunity to reaffirm your values and protect your well-being. Seek support from others you trust, and remember that it’s okay to take a step back to process your feelings and recalibrate the relationship on your terms.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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Money
I am a 48 year old widow. I have a 21 yr old daughter in college. I had quit my job, but rejoined now and have a monthly take home of 1L 15k. I receive similar pension amount too. But this pension amount will get reduced to 90k after 10 years. I have an own property (apartment bought in 2010) - 14 k rent monthly. I have around 40 L that I wish to invest. I am still coping with the loss and am confused as to what I need to do to get a grip on the finances. I have invested around 12 L in mutual funds. I have applied for a term insurance - around 1 L annual premium for 10 years. I am also repaying the home loan around 15k per month with tenure left for 20 months. I am planning to move out on my own from my sister's place where I am staying now (my own house is not in Bangalore where I work). So, I will definitely need 25k per month for rent if I move out. Please advise on how to manage my finances. Shall I repay the home loan and clear the debt (around 5 L principal outstanding)? Should I invest in some pension plans? Please advise. Thanks!
Ans: Your financial situation requires a structured approach to ensure long-term security. You have multiple income sources, a property, investments, and financial commitments. A clear plan will help manage expenses, investments, and future goals effectively.

Income Sources and Stability
Salary – Rs. 1.15 lakh per month

This is your primary source of income.
It provides stability and helps with regular expenses.
Pension – Rs. 1.15 lakh per month (reducing to Rs. 90,000 after 10 years)

This is a strong financial support.
Future reduction needs to be considered in planning.
Rental Income – Rs. 14,000 per month

This adds to cash flow.
It helps with loan repayment or investment.
Total Monthly Income – Rs. 2.44 lakh (reducing to Rs. 2.19 lakh in 10 years)

This is a good financial position.
A structured approach is required for long-term financial stability.
Home Loan Repayment
Current EMI – Rs. 15,000 per month

The principal outstanding is Rs. 5 lakh.
The loan will be cleared in 20 months.
Should You Prepay?

Yes, if there is no prepayment penalty.
Clearing the loan early gives peace of mind.
It saves on interest costs.
Impact on Finances

Prepaying Rs. 5 lakh reduces financial burden.
Monthly expenses will reduce after the loan is cleared.
Term Insurance Decision
Premium – Rs. 1 lakh per year for 10 years

Term insurance is necessary for your daughter’s security.
Ensure the sum assured is adequate.
Is It the Right Amount?

The premium seems high.
Reassess whether a lower premium plan can provide sufficient coverage.
Living Arrangement and Rent Planning
Current Situation – Staying with Sister

This reduces expenses.
It provides emotional support.
Moving Out – Additional Rs. 25,000 Rent per Month

This will increase monthly costs.
Ensure rental expenses fit within your budget.
Alternative Approach

Consider staying for a while longer to save more.
Delay moving out until your home loan is cleared.
Investment Strategy for Rs. 40 Lakh
Debt and Fixed Income Allocation – 30-40%

Provides stability and liquidity.
Ensures emergency fund availability.
Equity Mutual Funds – 50-60%

Helps with long-term wealth creation.
Beats inflation over time.
Actively managed funds perform better than index funds.
Systematic Investment Plan (SIP) for Growth

Investing monthly ensures rupee cost averaging.
Builds a strong financial corpus over time.
Emergency Fund

Keep at least 6-12 months’ expenses in liquid assets.
Ensures financial security in case of unexpected events.
Managing Future Financial Stability
Reducing Pension in 10 Years

Plan investments to compensate for lower pension.
Build a corpus that generates passive income.
Retirement Planning

Ensure investments support post-retirement needs.
Avoid pension plans, as they often provide lower returns.
Daughter’s Education and Future

Ensure sufficient funds for higher education.
Create a separate investment plan for this goal.
Finally
Your financial position is strong, but structured planning is key. Clearing the home loan, investing wisely, and managing expenses will ensure financial stability. With a balanced investment approach, you can secure a comfortable future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

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Money
Sir, I would like to invest 70 lacs in Mutual funds. Also I would like to go for SWP on this amount for Rs 50000 per month. Please suggest a plan for investment
Ans: Your plan to invest Rs. 70 lakh in mutual funds and withdraw Rs. 50,000 per month through SWP is a smart approach. It allows for both capital appreciation and regular income. A well-structured plan will ensure financial stability and long-term wealth preservation.

Key Considerations for Your Investment
Balancing Growth and Stability
Your investment should generate long-term growth while providing stable monthly withdrawals.

Tax-Efficient Withdrawals
A Systematic Withdrawal Plan (SWP) should minimise tax impact while ensuring liquidity.

Inflation Protection
The investment should outpace inflation to maintain your purchasing power over time.

Risk Management
A mix of asset classes will provide stability during market fluctuations.

Asset Allocation Strategy
A well-diversified portfolio will help balance risk and returns.

Equity Mutual Funds – 40-50% Allocation

Ensures long-term capital growth.
Helps beat inflation over time.
Actively managed funds perform better than index funds.
Hybrid Mutual Funds – 20-30% Allocation

Provides a mix of equity and debt for balanced growth.
Ensures stability during market downturns.
Debt Mutual Funds – 20-30% Allocation

Provides steady income and capital preservation.
Reduces portfolio volatility.
Systematic Withdrawal Plan (SWP) Strategy
Start Withdrawals After One Year

Ensures long-term capital appreciation.
Avoids short-term capital gains tax.
Withdraw from Debt or Hybrid Funds First

Ensures equity portion continues to grow.
Reduces volatility risk.
Rebalance Portfolio Annually

Adjust allocations based on market conditions.
Ensure sustainability of monthly withdrawals.
Risk Management Measures
Emergency Fund

Maintain 6-12 months of expenses in liquid assets.
Avoids distress selling during market downturns.
Health Insurance

Ensure adequate coverage for medical emergencies.
Protects investment corpus from unexpected expenses.
Periodic Review

Monitor performance regularly.
Adjust allocations as needed.
Finally
Your investment approach should focus on long-term growth and financial security. A structured SWP strategy will provide stability while allowing your corpus to grow. With the right asset allocation and periodic rebalancing, you can achieve a stress-free and financially secure future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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Money
I am 45 years old and plan to retire in the next five years. My financial portfolio includes shares and mutual funds worth ₹65 lakh, a provident fund of ₹30 lakh, a PPF of ₹15 lakh, and gold valued at approximately ₹30 lakh. I also own a house in a metro city and earn ₹18 lakh per annum from my salary, along with ₹70,000 per year in agricultural income. My monthly expenses are around ₹1 lakh. My wife is a homemaker, and we have a child with autism. Given these factors, is my current financial position sufficient for a secure retirement in five years, considering future expenses, inflation, and my family's long-term needs? If not, what steps should I take to strengthen my financial plan?
Ans: You are in a strong financial position. However, with a child who has autism, future expenses may be higher than usual. A structured approach will help ensure financial security for your family.

Current Financial Position
Investments in shares and mutual funds: Rs. 65 lakh
Provident Fund (PF): Rs. 30 lakh
Public Provident Fund (PPF): Rs. 15 lakh
Gold holdings: Rs. 30 lakh
House ownership: Fully owned in a metro city
Annual salary income: Rs. 18 lakh
Agricultural income: Rs. 70,000 per year
Monthly expenses: Rs. 1 lakh
Your total liquid assets (excluding real estate) amount to Rs. 1.4 crore. This corpus needs to sustain you and your family after retirement.

Key Challenges
High monthly expenses: At Rs. 1 lakh per month, you need a large retirement corpus.
Inflation impact: Expenses will increase over time, requiring a growing income stream.
Child’s long-term care: Special care and education may be lifelong commitments.
Single earning member: Your wife is a homemaker, meaning the entire financial burden is on you.
Retirement Corpus Requirement
Your current expenses are Rs. 12 lakh per year. Post-retirement, expenses will continue and grow due to inflation. Assuming an increase of 6% annually, you will need a significant corpus to sustain your family for 30+ years.

Steps to Strengthen Your Financial Plan
1. Increase Investments for the Next 5 Years
Your surplus savings should go into investments.
Invest an additional amount monthly to build a larger corpus.
A mix of safe and high-growth investments will be ideal.
2. Create a Separate Health and Emergency Fund
Medical costs rise with age.
Allocate Rs. 25-30 lakh for medical emergencies.
Ensure adequate health insurance coverage for yourself, your wife, and your child.
3. Ensure a Dedicated Fund for Your Child’s Future
Set aside a separate corpus for your child's lifelong care.
A mix of fixed-income instruments and mutual funds will work best.
Consider setting up a trust or legal arrangement for long-term financial security.
4. Reduce Gold Holdings and Shift to More Liquid Investments
Gold is not an income-generating asset.
Convert some gold into investments that generate steady returns.
Use this amount to strengthen your retirement corpus.
5. Plan for a Reliable Passive Income Post-Retirement
Your portfolio should generate at least Rs. 1.2-1.5 lakh per month post-retirement.
Fixed-income investments should cover a large portion of your monthly expenses.
Dividend-paying funds and debt instruments will help balance stability and growth.
6. Review and Adjust Your Portfolio Annually
Track expenses and portfolio performance.
Adjust asset allocation based on market conditions.
Reduce risk gradually as you approach retirement.
Finally
Your current financial position is strong, but you need additional investments to sustain your post-retirement life. The next five years are crucial. Focus on disciplined savings, strategic investments, and ensuring long-term care for your child. With the right approach, you can achieve a financially secure and stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

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