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How to Escape a Toxic Marriage: A 50-Year-Old Woman's Cry for Help

Shalini

Shalini Singh  |138 Answers  |Ask -

Dating Coach - Answered on Nov 01, 2024

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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Asked by Anonymous - Oct 30, 2024Hindi
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Relationship

Hi Shalini ,I am 50 year old women (orphan )married but No kids .My husband treats me like trash .He talks Bad about my character to everyone behind my back and involved in extramarital affair with young women .we have seperate rooms and don't sleep together from 10 years .he refuses mutual divorce and I don't have energy to file false case as adviced by lawyer .I am into depression.Difficult to find house for solo women without family most owners literally ask for tenant kundali (sarcasm) .we live in apartment which is in joint name and I paid half the amount.he still stays in this house in separate room but has taken a seperate flat for his love .he doesn't want to sell the flat and neither wants to give my share financially for me to buy new house .I am all alone helpless .I don't know what to do

Ans: You seem to be engaging with lawyers - they will guide you on what to do and you are not filing any false care...by the look of it, he has not been a nice human.

You may like to see similar questions and answers below

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Jan 09, 2024

Asked by Anonymous - Dec 22, 2023Hindi
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Relationship
Hello sir, I am 52 years handicapped with a good govt. job. I have been married for 27 years now. My son also married recently and he is in USA. I dont know where to start. Mine was arranged marriage. But my husband and his family cheated us regarding his job. He was jobless after our marriage. I had a son in the first year of our marriage. I stayed with him for only 2 months then I was send to my fathers house for delivery. He never visited me during this time nor he had called me. As he was jobless, I tried hard to build my carrier for sake of my son. I had managed all these years financially. I never received any financial support or emotional support from him past 27 years. We had fought badly accusing each. He will physically abuse me every time. He is addicted to alcohol and watching prone movies. My son once saw his mssg to call girls and other such women in his mobile. I was shocked too. Later I discovered he had many such connections. He had been spending his merger salary for all this self enjoyment and never shared anything for HL or son education. However, I had stayed with him for social security and status. Now I have completed all my duties. My son is safe and far from him. Even after my sons marriage, he behaved violently after consuming alcohol. I am really fed up with him. I have my income and properties. But I have no one to share my emotions as my son also has left and busy with his life in USA. I don't need any physical needs but need emotional support for rest of my life. I am in total depression for all I have undergone for 27 years. I currently having my father who is 80 years with me in the house. My husbands behaviour towards my father is very bad. Now my fathers health is getting affected because of my husbands shouting. I have no other friends or relations to relate to. My health also is getting slowly affected and I my mobility is very much restricted. Sometimes I was having succidal ideas. I have no life goals now. I have achieved all my goals. I have completed all my duties now. What should I do now?
Ans: Hats off to you my dear lady. You need to file for divorce and get this vile man out of your life and home once and for all. You have the means and the economic upper hand as well — consult a strong divorce lawyer and kick him to the curb! And there is life, love and companionship out there for you, so don’t give up on finding your own happiness — 52 is not old, you have a lot of years ahead with the potential to fulfill your happiness. Go for it!

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Anu

Anu Krishna  |1355 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 15, 2024Hindi
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Relationship
Hello sir/Madam I'm going through a rough time of my life and want some help from you I am a professional and 48 years old and I have 2 grown up children My problem is that I had a love marriage with my husband22 years back and his family didn't accept me whole heartidly since we belong to different castes and culture .they wanted to take advantage of me financially My husband has strained his relationship with my mom n only sister after my father's death in 2008 over money matters Me, my husband and children live in a house provided by my parents in a different city from my inlaws They always create differences between us still Now another problem has cropped up in our relationship I spied on my my husband's mobile n discovered tha that he has sex chats with other women and is involved in mastrubating sessions with them over phone I am completely broken from inside n not able to decide what to do coz when i confronted him , he flatly refused n fought with me and started putting false allegations on me .I am quite disturbed as i dont want to end my marriage eventhough he behaves very bad with me at times Kindly advice me
Ans: Dear Anonymous,
Since you know that you want this marriage still, then the best way to not be hurt and strained around him, is to:
Either:
- Ignore what's happening and what he's doing and he leads his life and you lead yours (This is not easy, let me warn you!)
OR
- Live separately; you are financially independent and have your home to live in; he can go live with his parents and see if this works

Sadly, you married someone who has not learned to appreciate his partner and is perhaps playing to his own insecurities. It's totally on him and why I say that you are not to blame is: the fact that you still want to continue in this marriage, you may have to face more of this humiliation and hurt. If this is your decision, you really need a very steely interior and a facade that can face it all.
Yes, counseling is an option for him and the two of you as couple, BUT I don't see that in him as yet...Instead of addressing his wife's hurt and pain, he has refused to acknowledge what he's been up to. It doesn't say a lot about him to me.
So, strengthen yourself into your decision and check the two choices above and see what works best for you...

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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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Relationship
Hi sir, I am 34 year women with 2 girl kids. I m working in IT and I earn good amount of livelihood. Sir I hv been married for 6 years and after 1 year of marriage me and my husband understanding issue started where he wants to dominate on me in all senses including financial stuff. But I was okay n in 1 year my 1st daughter born then serious issue started I had rejoined job n discontinued giving all my salary to him. I started savings for my kid where he was nt happy he indirectly demanded my complete salary to be given to him as I did before issue start. Bt in 2020 as lockdown happened he moved to his village where It was very difficult for me to work bt demanded to come to his place. I denied and concentrate my career. So he left us 2 years he did call n check how is kid. Then again he came back 2022 with elders we moved to together to city and again asked money as my sal was increased if nt asked me to barrow 50-60lac as loan n give to him for property which he agreed to make it my name in his place. Bt I denied bc I couldn't trust him meanwhile 2nd daughter born. I came for mother place n he started doing backstabbing abt me n my family within relatives. When I asked he stopped coming visiting me n my daughter and he turn up for 2 baby also it's been year now. Sir my question is ..I m fed up of his behaviour n I dont trust him. As I hv two kids is it really difficult to live without him in this society. As many of my relatives are suggesting go and call ur him how can you live alone with 2 daughter. Sir pls guide me what should I do now ..I tolerate him all these years for kids and society. Now I m done n scared as will I be able to handle all alone. My parents are big support and now I m nt in condition where I go legally against him. Is my decision of living by myself with my daughters and parents is correct or wrong decision or I should go with him.
Ans: Your situation is indeed complex and emotionally taxing. It's important to approach this with both clarity and compassion for yourself and your daughters. Here are some steps and considerations to help you navigate this:

Self-Reflection and Clarity
Acknowledge Your Feelings: It’s essential to recognize your feelings of frustration, fear, and exhaustion. These emotions are valid and need to be addressed.
Define Your Priorities: What are your primary concerns? Your children’s well-being, your financial independence, your personal peace, and safety are likely at the top of this list.
Evaluating Your Relationship
Assess Trust and Respect: Trust and mutual respect are fundamental to any relationship. If these are missing, it is challenging to maintain a healthy partnership.
Past Behaviors as Indicators: Look at the past behavior of your husband. Consistent demands for money, lack of support, and absence during critical times can be telling signs of his priorities and commitment.
Support System
Lean on Your Parents: Having your parents’ support is a significant advantage. They can provide emotional, physical, and perhaps even financial support as you navigate this period.
Professional Help: Consider seeking counseling or support groups for single mothers. These resources can provide guidance, emotional support, and practical advice.
Societal Pressure
Redefine Norms: Society often has rigid expectations, but your well-being and that of your children come first. Living according to societal norms at the cost of your mental peace and safety is not sustainable.
Role Models: Look for examples of other women who have successfully managed similar situations. Their stories can offer inspiration and practical advice.
Legal and Financial Considerations
Know Your Rights: Even if you’re not in a position to take legal action now, it’s essential to be informed about your rights regarding child support and alimony.
Financial Independence: Continue to safeguard your financial independence. This will provide security and stability for you and your daughters.
Decision Making
Short-Term vs. Long-Term: Think about both immediate needs and long-term goals. What decision will bring peace and stability now, and what will be beneficial in the future?
Children’s Well-Being: Consider the environment your children will grow up in. A peaceful, loving environment, even if it’s without their father, might be more beneficial than a toxic, conflict-ridden one.
Practical Steps
Document Everything: Keep records of communications and financial transactions. This documentation can be crucial if you decide to pursue legal action in the future.
Plan for Independence: Create a plan for your independent living situation, including budgeting, childcare, and career progression.
Final Thoughts
Choosing to live independently with your daughters is a courageous and often necessary step for many women in similar situations. Trust in your strength and the support of your parents. It’s important to remember that living a life of peace and dignity, even if it means being a single parent, is a powerful and positive example for your children.

You are not alone in this journey. Seek the support you need, trust your instincts, and prioritize your and your children’s well-being above all.

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Janak

Janak Patel  |8 Answers  |Ask -

MF, PF Expert - Answered on Dec 04, 2024

Asked by Anonymous - Nov 30, 2024Hindi
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Money
Hi, i am 52years old, wanted to retire early, following are my investments, MF - INR 65L, Equity - INR 22L, 3 houses, one is self-occupied, other 2 houses valued at INR 90 L and INR 32L respectively, i have home loan outstanding of INR 12L, FD of INR 36L , PF INR 32L, monthly expenses requirement is INR 1 L, kindly help me to plan my early retirement. Thank you in advance for your reply on my question.
Ans: Hi,

As there are many things to consider for an early retirement, one of the first is to start thinking about it in a more realistic manner. An early retirement is not necessarily stop working life, but think of it as a more comfortable schedule that provides you opportunities to relax and pursue your passion and interests and live life on your own terms. You may or may not undertake an activity which can be monetized, meaning which provides you some sort of income - not necessarily to cover your living expenses in whole/part. So do give it some thought of how you intend to keep yourself occupied once you retire from your "current schedule". Will you generate any source of income or will you incur/require more expense.

At current age of 52, an early retirement even if we consider at 55 years of age, it a still a long life ahead. I will make a lot of assumptions in my response as these are not known from your query - such as life expectancy of another 30 years, average return of 8% on all investments for future etc. Are the 2 real estate properties earning any kind of rent that can be considered as income.
There are too many variables that go into the calculations for retirement which are specific to each individual and their circle of life.

Generic solution - You have a currently accumulated investments valued at INR 2.65 Cr (all investments less loan).

Current monthly expenses is INR 1 Lac, over which inflation needs to be applied each year (depends on lifestyle and composition of items of expenses).

So if your cumulative investments appreciate at average 8% annually, and your monthly expense increases at 6% annual inflation, your current accumulated investments are just about enough to manage expenses for next 30yrs (excluding tax implications - refer below).

Points to consider -
1. Inflation in real world is more than 6% (depends on the individual)
2. Liquidation of investments e.g. Real estate attract expenses/fees and tax on capital gains as it will be lumpsum
3. PF post retirement will earn interest only for 3 years, so you need to plan to re-invest the amount
4. Interest income on FD attracts tax at slab rate
5. Withdrawal of amount for monthly expense from your investments will attract tax on capital gains (MF and Equity)

I strongly recommend you connect with a Certified Financial Planner for personalized guidance and prepare a plan that will take into consideration your risk profile and overall investment management towards the retirement. Benefits will include a more tax efficient plan which will consider your requirements and ensure retirement goals are achieved and if there is a shortfall - what alternatives you need to consider.

Hope this is helpful and all the best for the future.

Regards
Janak Patel
Certified Financial Planner.

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Dr Nagarajan J S K

Dr Nagarajan J S K   |174 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Dec 04, 2024

Career
Sir I am preparing for mbbs, but I'm not able to crack that. I'm a middle class student. Can I pursue mbbs in abroad under 8 lakhs in a best college for mbbs?After that can I able to be a doctor in India?
Ans: Hi Lagna,

It seems you haven’t provided the details clearly on this platform. If you could share more information, I’m sure you will receive helpful input.

Based on your message, I understand that you are considering pursuing a career in medicine. If you intend to enroll in a medical program either in India or abroad and plan to practice in India after completion, here are some important guidelines according to the National Medical Commission (NMC):

You must appear for the NEET exam, as it is a mandatory requirement for anyone wishing to pursue graduate medical education in India or elsewhere while intending to return and practice in India. According to the NMC eligibility criteria: “No student shall be eligible to pursue graduate medical education either in India or elsewhere (if they want to return and practice in India), except by scoring the minimum eligible score at the NEET UG exam. The UGMEB will announce the list of eligible students periodically.”

Therefore, I recommend preparing for the NEET exam and trying to secure admission in India itself. If you choose to pursue medical education abroad, you can still practice in India, but you will need to pass exit exams as well.

Regarding your question about pursuing MBBS abroad for under 8 lakhs, are you asking if this is per year or for the entire course? Studying abroad at that cost per year is possible. However, when you take into account the total expenses, which include course fees, accommodation, food, travel, visa, and other costs, it might be more feasible to complete your MBBS in India.

I hope this clarifies your queries!

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Patrick

Patrick Dsouza  |879 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on Dec 04, 2024

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Career
Hi Sir, I am 41 years old. I've 15 years of experience in Finance (FP&A) domain. In last 2.5 years I have changed 3 companies due to lay off, Cultural misfit and latest one due to Personal and family issue. I quit my last job in Sept'24 (from Apr;24 to Sept'24). Due to some family issues, Lay offs, Challenges faced on the job I am feeling very low. I don't have any confidence left as a result don't want to return to work out of fear and anxiety. However, I also want to upskill myself and thinking of pursuing US CMA. But I am in dilemna that with around 15 years of work experience would it open any gates for growth opportunities going forward. Another dilemna that I am constantly fighting is to whether think of making a switch from Finance domain to Learning & Development domain. I have good communication & interpersonal skills and have always had a liking towards L&D domain. Now myself on a Career break I am not sure how to proceed further - Whether to pursue my Career in Finance and look for jobs in Finance domain and then gradually look to switch to L&D domain or Look for the opportunities only in L&D domain. I have an emergency fund that can take care of my expenses for next 6-8 months. Looking forward to your guidance that can help me bounce back in my career as I am feeling lost, depressed and Lack of Confidence at present in life. Thanks.
Ans: Learning is a continuous process. So doing a course in Finance should not be a problem. As far as getting into LnD domain, start with being a faculty in one of the colleges or can start with taking private tuitions. See if it suits you. If it does, then you can decide to make the switch.

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