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Delhi 34 year old man struggling with commitment issues due to past anxiety

Anu

Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

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 - Jan 04, 2025Hindi
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Relationship

I am a single 34 year old man from Delhi, i was always socially anxious and never had a girlfriend, i have worked on my social skills in the past few years and have a stable career thanks to a good pyschatrist who treated me for depression and anxiety and now its under control. I often feel the need of a partner in life but i feel that i don't deserve one because of my past and i cannot handle the responsibility of married life, this makes me feel that i should stay single and adapt to the single life. Another reason is that i earn well enough for myself but not enough to run a family. I feel that if i get married i must give my best to my partner, but i don't want to let her down. Currently i try to save half my salary every month because of this fear. Can you please let me know what i should do?

Ans: Dear Anonymous,
if you live your life with ifs and buts, that's exactly how your life will turn out; always tentative and with a lot to worry about. Does your past define how things must be now for you? You have changed and also know how to handle things when they don;t go your way. So, no point in doubting things and wondering if they are meant for you or not. It's matter of moving ahead with confidence and also understanding that not everything will work but somethings will and that's good enough. So, be out there and I am sure that someone like-minded will hit it off with 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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Anu

Anu Krishna  |1549 Answers  |Ask -

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

Asked by Anonymous - Jun 24, 2024Hindi
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Hi, I had an arranged marriage at the age of 30 which ended within a year as she had a lover and went back to him, in the process took away my money putting a false domestic violence case to claim alimony. My dream of happy married life was shattered, I lost faith in concept of marriage and remained single just focusing on my work. I never had any relationship with any female all through these years due to the phobia that women bring trouble to my life :) Now I'm 45 and feel the need to have a trustworthy life companion. The problem I'm facing is the trust issues and female phobia. Also since my so called married life was very short, I'm not mentally ready to consider marriage proposals of divorced women who got divorced after 4-5 years of their bad marriage since they have the past luggage. Its difficult to find unmarried singles also. Can you guide me on how can I overcome this situation and find a trustworthy, reliable companion for rest of my life?
Ans: Dear Anonymous,
There is no need to jump into a marriage right away, right?
Start by expanding your social circle that includes a good mix of people from different backgrounds and work spheres. You might just end up finding someone who matches your thinking, ideals and lifestyle.
Cross this before you start bride-searching. You need to get your faith back into wanting a life partner and in the institution called marriage. So, baby steps...Trust builds over time so, give time for yourself to heal while you explore the idea of socializing. It acts as a good bridge not knowing someone and knowing someone. The concept of 'Dating' will ideally fall here and you might find someone with whom you can spend the rest of your life with.

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

Ravi

Ravi Mittal  |546 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 09, 2024

Asked by Anonymous - Sep 07, 2024Hindi
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Relationship
Hi, I am 32 year old male. I have contentment in all major aspects of life such as job, money, friends, family, fun etc. But everytime I try to bring a girl into my life everything just turns in to chaos. There is a lot of pressure from from family, friends and almost everyone that I know for me to get married. But I cannot accept just anyone in my life through matrimony sites or references. I am afraid that the hard work that I have put in all these years to make my life comfortable will be shaken up by marriage. I cannot choose people by their attributes but have to just develop a liking for them. Similarly I have no interest in how a girl looks, what job she does or any material aspects. I am happy with someone who choses me completely and is committed to me. Unfortunately I couldn't find anyone such and I am in the phase of saying no to marriage completely as life is good as it is. I had a girlfriend when I was 25 and she left me after 5 years of relationship because her parents did not accept which I respected. Could connect with anyone else until this year who also left me after an year because her parents will not agree as my parents are not rich enough. I cannot connect with anyone else physically or emotionally. I think it's injustice to the woman I marry if I marry her just for the sake of society. I am completely confused, could you please share your expertise on this. Thanks in advance!
Ans: Dear Anonymous,

It's amazing how you are putting other people's needs over yours. That's very selfless of you. If you don't feel you are ready to commit, there is no rush; no matter what people say. I understand that societal pressure can be very tough, but as you said, being in an incompatible relationship will be tougher on both you and the woman. All I can say here is wait. You are content with your life, and that is more than most people have. Focus on that. Make it even better. If and when the time is right, you will meet someone, and things will fall into place. It might sound cliche, but trust me, this is the best thing to do. Again, I repeat, do not give in to peer pressure. No good things can come out of it.

Best Wishes.

..Read more

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Ramalingam

Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Money
I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Dr Dipankar

Dr Dipankar Dutta  |963 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Career
Greetings to Gurus, I am student from Kolkata,West Bengal. I have completed my ISC in year 2020 from Commerce stream without maths. I am from Lower Middle Class Family, finance is big issue for me. After ISC I enrolled in B.COM(Hons) course from a college under Calcutta University. I was ambitious of being Chef from childhood. But during Covid times and finance problem, I haven't pursued. During my college life, My first three semesters completed online in Covid period, after the lockdown period, my fourth semester got offline and I just passed in one paper out of 4 and then my 5th semester exam got cleared after that I appeared for rest 3 papers of sem 4 and cleared 2 papers and in sixth semester cleared 3 paper out of 4. Again in 2024, I appeared for 6th sem 1 backlog paper and cleared it but don't able to clear 4th sem one backlog paper. So, I have started my UG in year 2020 but not able to clear it till 2024 because of 1 paper(Taxation) and I have last option to reappear in 2025 examination. I want to earn good in my life, suggest me some opportunities and a way to get out from this loop. Mentally getting depress also.
Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.

...Read more

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