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Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 13, 2023

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, 2023Hindi
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I have second marriage and staying 9 years. Now my age is 50 years, and my wife age is 40. I have one child years of years 6. I am in a managerial Position in a company. My wife is a Housewife and her behavior's, misconduct, lack of ownership towards me as well as home is always upset and irritate me. My child was born by IFV method due to her irregular period. She has got many opportunities to recover this problem and treatment also got an early-stage life. Due to lack of her understanding and knowledge, lack of own effort, irresponsible and liar nature, did not overcome her problem and therefore, we cannot go for second baby. Now me and my son also suffer from 2nd baby, though I have sufficient resource to look two children. I need to monitor all the things of my son’s health, extracurricular activity, education etc. She also neglects my mother. I feel she is very quality less and very dirty woman and talking valueless, not concern with health of own as well as other family member. Therefore, I and my wife staying in same home, but from last 4 years I have been separated from my wife and living in separate room. Sometimes I think to separate from my wife, but it may affect relation with my son as well as his mental condition. I am trying to adopt a second child also. I found she is not concern with quality, health, and economy. Therefore, I need to do home marketing, finance, monitoring home, health etc. which has already affected at my career also. Please advise me what to do? I feel my future is very dark with my wife. No emotions, no love and intimacy in the relation. I do regular walking & jogging and gardening is also my hobby.

Ans: Dear Anonymous,
When you seem to have decided that your wife is not going to change, no matter what happens, you will not be able to see that change. Everything about her will be irritating and annoying.
Now you say that she could have done something to avoid IVF, but why are you not thankful that you have a child now.
Having another child as well has to be the choice of both parents. Does your wife want another baby? Just by having money to support the child is not enough. You also need to have the mental and physical ability and willingness to raise another child. Also, do you think it is wise to have another child with the current relationship challenges with your wife?
There seems to be some assumptions that you have made about your wife which could have happened due to misunderstandings and arguments over years. It is definitely from both sides. But since, you are writing in...I can only address your concerns...Obviously her lack of interest in the family also suggests that she also seems to have her challenges.
So, before anything else...first work on having a better marriage and this is a suggestion for both of you! You can eat the fruit from a tree without first planting the seed for the tree to grow.

Seek the help of a professional if you can so that both of you can first learn how to communicate with each other and then settles your differences and then you can start planning a brighter future. Continue with your exercise and always try to look for what's positive in your life. It helps to tide over challenges and have a better outlook towards life!

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 12, 2023

Asked by Anonymous - Dec 02, 2023Hindi
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Relationship
I have second marriage and staying 9 years. Now my age is 50 years, and my wife age is 40. We have a 6-year-old son. Me working in a managerial position in an industry, and she is a houses wife. During our married life I have been noticed that no interest in married life. She has no expectation from married life, no responsibility and duty performed towards married life. Always avoid from responsibility and duty. Through the married life she has been found liar in nature and dirty woman very much. Now our son also tells lie and his mother provoke it. I and very much upset for this liar nature. At the time of she tells false about her educational qualification. Though we are staying in a home but staying separate room. My wife nature and behaviour are completely different from her sibling. Now I suspect that she may be illegal issue of her mother. I have maintained the married life only because of considering son future and not find any matching partner. Please advise me how to grow up my son and how to take care him. If I go for divorce what problem, son may face and how to take care him.
Ans: Dear Anonymous,
You are upset with your wife and that is evident. Leave it at that...there is no need to justify this thought by imagining that she might be an illegal child of her mother etc...it does not help you or your case!
Stick to what is bothering you...Ask yourself if you want to continue in the marriage or not...if you are holding back because of your son, then be prepared to accept your wife as she is OR tell her what it is that you do not like about her as qualities. You say that she lies; state clearly what she is lying about...State that you are upset that she lied about her educational qualifications...
State clearly what responsibilities towards married life she hasn't yet fulfilled.
Without this communication, your dislike for her will only increase and you will find more reasons to justify this dislike. Instead, find a way to make things better...I am sure that she will also want this for the sake of your 6-year old son...

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8192 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2025

Money
I am 49 yrs and monthly expense is 165000. no other liabilities of children's and parents. Only expense of myself and wife and if want to retire in next 1 year what corpus would be needed for next 25 yrs considering inflation. we have adequate Mediclaim policy of 75 lakhs.
Ans: You are 49 now, with monthly expenses of Rs. 1.65 lakh. You have no children's or parents' liabilities. You plan to retire in one year. Also, you and your wife are well-covered by a Rs. 75 lakh Mediclaim policy.

That’s a strong and admirable starting point. Let us now assess your retirement readiness. We will consider inflation, lifestyle, and long-term wealth management.

Let us start with the key areas you must evaluate before retirement.

Monthly Expenses and Lifestyle Assessment
Your current monthly expenses are Rs. 1,65,000. That is Rs. 19.8 lakh a year.

This includes only you and your wife. That simplifies planning.

It seems your lifestyle is stable and well-managed.

As inflation rises, your expenses will rise each year.

With average inflation of 6%, costs double in 12 years.

So, your Rs. 1.65 lakh today can become about Rs. 3.3 lakh per month in 12 years.

You must plan for these higher costs in future years.

Retirement corpus should grow steadily and beat inflation.

That way, your wealth can support you for 25+ years.

Evaluating Retirement Duration
You are retiring at 50. We will plan till 75 years.

But people are living longer now. Life expectancy is increasing.

So, it is better to plan till 85 or 90 years.

That means your money must last for 35 to 40 years.

But your question is for 25 years. Let us assess for 25 first.

Later, we will share how to stretch this for longer, if needed.

How Much Corpus Is Needed?
You will need income for 300 months (25 years × 12 months).

Each year, expenses will rise due to inflation.

So, in early years you may spend less.

But in later years, your expenses will be much more.

Your corpus must grow and give monthly income.

At the same time, the principal must not fall quickly.

A safe starting estimate: You will need around Rs. 8 to 10 crores.

This is to cover 25 years with rising expenses.

This estimate assumes post-retirement returns of 10% to 11%.

It also assumes inflation at 6% per year.

The more return your investments earn, the less corpus you need.

The less return, the more corpus you need.

Corpus must be invested smartly to earn and grow.

We will now see how to manage this corpus efficiently.

Key Factors That Affect Your Retirement Plan
Inflation: Your biggest hidden enemy. It silently eats wealth.

Longevity: If you live longer, you need more money.

Medical Expenses: You have good Mediclaim cover. That is great.

Unexpected Costs: Home repair, travel, or emergencies may arise.

Return on Investments: You must beat inflation every year.

Tax Efficiency: Returns must be tax-optimized.

Withdrawal Plan: Monthly withdrawal must be well structured.

Ideal Investment Strategy for Retirement
Your goal is simple: monthly income of Rs. 1.65 lakh, rising with inflation.

At the same time, principal must stay intact or reduce slowly.

Here is the strategy:

Invest the full retirement corpus in mutual funds.

Choose a mix of equity and hybrid funds.

Start with a 60:40 ratio. 60% equity, 40% debt/hybrid.

This gives growth and stability.

Every year, rebalance the portfolio.

If equity grows fast, shift some to hybrid for safety.

Use Systematic Withdrawal Plan (SWP) for monthly income.

Withdraw only what you need. Let the rest grow.

Avoid fixed deposits for full corpus. They do not beat inflation.

Keep only 6 to 9 months of expenses in FDs or liquid funds.

That acts as an emergency buffer.

You should invest through a Certified Financial Planner.

A CFP will help you create a strong plan.

They can also handle taxes, rebalancing, and fund review.

Why You Should Avoid Index Funds
Index funds follow the market blindly.

They invest in every stock, good or bad.

No fund manager takes active decisions.

During market fall, they fall fully.

They cannot protect your money in crisis.

They do not outperform consistently.

In retirement, you cannot afford sudden deep losses.

You need actively managed funds.

These funds are managed by experts.

They aim to protect during fall and grow during rise.

That is safer for long-term retired life.

Why You Should Avoid Annuities
Annuities give fixed income for life.

But they are not inflation protected.

If you get Rs. 1 lakh today, it stays Rs. 1 lakh forever.

After 10 years, that has much less value.

They also offer very low returns.

Most annuities lock your money permanently.

There is little flexibility and no liquidity.

You cannot exit midway if your needs change.

That is not ideal for someone in your situation.

You need a growing income, not fixed.

SWP from mutual funds is better than annuities.

Why You Should Avoid Real Estate
Real estate needs large one-time investment.

It has poor liquidity. You cannot sell fast.

Maintenance cost is high.

Rental income is often low and irregular.

Property disputes are common.

In retirement, you need easy-to-manage assets.

Real estate is not ideal for retirees.

Tax Planning for Retirement
SWP from equity mutual funds is taxed.

Long-term capital gains (LTCG) above Rs. 1.25 lakh yearly are taxed at 12.5%.

Short-term capital gains are taxed at 20%.

Debt fund withdrawals are taxed as per your tax slab.

With right planning, you can reduce tax.

You can stagger withdrawals to stay under limit.

Keep long-term view for most equity funds.

Let them grow for at least 3 to 5 years before major withdrawals.

A Certified Financial Planner will guide your tax planning.

Annual Review of Retirement Plan
Every year, review your expenses.

Match your SWP amount with your needs.

If inflation rises faster, adjust SWP upward.

Rebalance portfolio to maintain equity and debt mix.

Track returns of each fund regularly.

Remove underperformers after 2-3 years.

Add new funds with good consistency.

Review Mediclaim and emergency fund each year.

Make a will or estate plan.

Ensure all documents are updated and in order.

Other Key Tips for Retired Life
Don’t give large loans to friends or relatives.

Avoid co-signing loans for anyone.

Keep your lifestyle simple and meaningful.

Spend more on health and wellness.

Invest time in hobbies and charity.

Keep your money safe from online fraud.

Don’t chase high return risky investments.

Always discuss big financial decisions with your wife.

If needed, involve your Certified Financial Planner for support.

What If You Live Beyond 25 Years?
Your current plan is for 25 years.

But you may live till 85 or 90.

So your corpus must grow even after withdrawals.

Let at least 40% of your corpus stay in equity.

Equity gives long-term inflation beating returns.

If your corpus allows, reduce SWP amount after 75.

Or maintain same SWP, but reduce expenses.

This will help your corpus last longer.

Review the corpus regularly post 75 years of age.

Final Insights
You are well prepared for retirement at 50.

Rs. 1.65 lakh monthly expenses are realistic.

But inflation must be planned seriously.

You will need about Rs. 8 to 10 crore corpus.

Invest in equity and hybrid mutual funds.

Use SWP for monthly income.

Avoid index funds, annuities, and real estate.

Keep liquidity for emergencies.

Review portfolio and expenses yearly.

Involve a Certified Financial Planner for full planning support.

Your focus now should be wealth preservation and moderate growth.

This is a golden phase of life. Plan it smartly.

You deserve peace, dignity, and freedom in retirement.

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

...Read more

Mayank

Mayank Chandel  |2176 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 05, 2025

Asked by Anonymous - Apr 04, 2025Hindi
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Career
Hlo. Sir. Maine apna neet exam. 2024 mai diya tha. Sirf. 6 month hi preparation krke. I score well but negative marking ki wajah se. Mere mask kam hogye and maine vapis. 205 ke liye preparation Krna strt kiya ha. Without any coaching self study muje assa lg rha ha ki iss baat bhi nhi hoga. Stress ki wajah se overthinking ki wajah se mere kuch din bhut khrab hogya ha. Prr mere parents ne decide ki ha ki offline coaching krwagye. Kya muje 3 attempt ki. Jna chaiiye muje doctor hi bnna ha muje aur kuch nhi Krna ha mai bhut ache se pdh sakte hu bss ye ha ki 3 attempt dena worth it ha kya
Ans: Hello,
pehle toh main yeh kehna chahta hoon ki tumne sirf 6 mahine ki tayyari mein NEET jaise tough exam ko dene ki himmat ki — yeh kaafi badi baat hai. Tumhare andar definitely potential hai. NEET jaise exam mein negative marking sabko affect karti hai, especially jab preparation time kam ho.

Ab baat karte hain tumhare doubt par:
Kya 3rd attempt dena worth hai?
Tumhara answer tumne khud hi de diya:

"Mujhe doctor hi banna hai, mujhe aur kuch nahi karna."

Jab goal clear ho, toh answer bhi clear hota hai:
Agar doctor banna tumhara sapna hai aur tumhara belief hai ki tum mehnat kar sakte ho, toh 3rd attempt definitely worth it hai, lekin is baar smart aur structured preparation ke saath.

Offline coaching-jaise tumhare parents keh rahe hain
Agar ghar par overthinking, distractions, aur stress zyada ho raha hai, toh offline coaching environment tumhe discipline aur direction de sakta hai.
Daily study routine, regular tests, competition ka mahol — yeh sab tumhare liye helpful ho sakte hain.

Agar tumhara belief strong hai, toh koi bhi attempt waste nahi hota.
Bahut saare doctors ne 3rd, even 4th attempt me crack kiya hai. Tumhara vision clear hai, ab bas execution me discipline aur patience chahiye.

...Read more

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