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Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 13, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Jun 22, 2025Hindi
Relationship

I started my small project and he asks for my money of which sometimes he does not pay back I am afraid I will have to live like this my whole life

Ans: whom are we talking about ? can you pls tell more about who "HE" is

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Anu

Anu Krishna  |1802 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 14, 2022

Relationship
Hello Anu,I am under severe confusion and frustration. Wanted to consult with some psychiatrist but then I got to know about you. I have an issue with my father.I'm a 29 years old working man.My family background was not good, my father was the sole bread earner in the family of 9 including my uncle and grandparents.But my father invested in his children.He gave us a good education.He sent me for IIT coaching in Kota. I couldn't clear IIT but cleared AIEEE.Today I'm earning a lot. I'm a software engineer with 7+ years of experience in IT in a big giant firm earning Rs 62 lakhs an annum. But the picture does not look like it is.My father takes all my money.Literally he does that.He has been doing it for last 7 years, every single month.He has taken my all salaries till now, 80+ months' salaries to be precise.And his modus operandi is- he knows my monthly in hand salary after deductions, which is around 3.5 lakhs now.He calls me around 25th of the month saying 'Don't use the salary. I need 4 lakhs this month. He asks me more than my salary, then says ‘okay you don't have this much, so give me as much as you can.’Earlier when my salary was Rs 85,0000, he used to ask for Rs 1 lakh.When salary became Rs 2.2 lakhs he used to ask Rs 2.5 lakhs.I keep approx Rs 15-20,000 for myself and give the remaining to him.Why do I give him all my money?Because I have this feeling that whatever I am today, it's all because of him.He went against all odds to educate us, otherwise I would have been a poor kid somewhere in my village doing farming.The sad part is, he does not use this money for himself.If he would have used it for his needs I would have been the happiest person. He gives loans to his relatives free of cost.People come to my father and request that they need money for some XYZ reason. They say you have a lot of money, your son is earning so much, so please help us. My father says okay.He calls me and says that he has given his word, now he can't step back and I will have to arrange the money. And this money never comes back.Till now nobody has returned a single penny.When I ask my father, he says ‘it's okay, you will earn more. They can take only your money, not your destiny.’I'm not exaggerating but I don't have even a RO filter in my home. I spend Rs 1,500 on water.I'm fed up with all this.I had a discussion with my father regarding this many a times that I can't keep doing this.He says What will you do with the money? Tell me the item you want, we will purchase it for you.So far I have given more than Rs 1 crore. I'm such a fool.I don't want to spoil my relationship with my father but at the same time I also want him to understand that I'm a human not a money-making machine.The problem has started now, because now he is doing the same with my younger brother as well.He recently started his job after college, and earns around Rs 55K.My father takes 50K from him and has deliberately kept him with me so that we can save on rent and he can keep the money.Till now when he was taking my money, I was not so much hurt.But now when my brother is giving money, I can't bear it. He is a small kid who does a lot of hard work and even his money is taken away.I cannot share this with anyone.I keep asking myself if I'm a bad son who thinks like this about his father.But I can see the reality which is very discouraging.I'm not able to digest the fact that this is actually happening.Please suggest what I should do.Should I tell this to someone? But then the other person will think bad about my father which I don't want.I'm lost. Please suggest me something.
Ans:

Dear RS,

If by now you haven’t figured out that you are being used for playing the role of a good son, then when is it going to dawn on you?

It feels unreal even if your father took all that money for himself without realizing that his son needs his hard-earned money to set up his life. But here, it’s going to relatives and everywhere.

And now, it’s the turn of your brother too.

There is really no need to set this example as an older brother to just bend over backwards for your father. Instead, change the role and let your brother do the same.

Take charge of your finances and share what you deem fit with your father that covers his expenses (assuming that he is retired).

This way, you will fulfil the duty of being a good son taking care of his father. Beyond this, save your money and invest it wisely and please spend on yourself.

What will you do when you marry?

You think your wife is going to support this flow transaction of money between you and your father?

And when she tries to reason out with you, either you or your father will blame her for being selfish. In fact, she will only be looking out for your wellbeing.

So, before this gets even more murkier, make a point by sitting your father down and asserting that you are taking charge of your finances and reassuring him that he will always be taken care of.

His need to please his relatives by giving away your money has to stopped.

This might be met with a lot of resistance from your father, but you know what is to be done. Else, this will grow even with your brother and get progressively worse. So, step in NOW.

All the best!

..Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 21, 2024

Asked by Anonymous - Mar 20, 2024Hindi
Listen
Relationship
Hi Sir. I have a typical.problem here. I lend.money to one of.mynfriends for his bzness..I worked as a consultant for him. I made an agreement for the money given to him. Nevertheless he didn't return the money yet..I left him now some months back. Though I asked him to give bac money but he says he has lost lot in his bzness and also says he can't return the money. Sometimes indirectly he says that because of me he has landed in loss. I don't want to go.legally but it has been lot.ot.months that he has returned money. But now I can't wait. What should I do now..pls advise. Thanks
Ans: Navigating financial matters within friendships can be challenging, especially when agreements aren't upheld as expected.

Initiate an open and honest conversation with your friend about the loan. Express your concerns and feelings without blaming or accusing. Use "I" statements to convey how his actions have impacted you personally.
Give your friend an opportunity to explain his side of the story. Listen attentively to understand his perspective and the challenges he's facing with his business. Empathize with his situation while also emphasizing the importance of fulfilling financial commitments.
Instead of dwelling on past grievances, shift the conversation toward finding a solution that works for both of you. Explore options such as renegotiating the repayment terms, setting up a payment plan, or considering alternative forms of compensation if he's unable to repay the full amount immediately.
Validate your friend's feelings and concerns about the situation, but also assert the impact his actions have had on you. Help him understand the importance of honoring agreements and maintaining trust in the relationship.
Clearly communicate your expectations moving forward. If you're unable to reach a resolution or if your friend continues to disregard the agreement, be prepared to set boundaries to protect yourself financially and emotionally. This might involve seeking legal advice or taking further action if necessary.
While it's important to address the financial issue, prioritize preserving the friendship if possible. Reassure your friend that your intention is not to harm the relationship but to find a mutually beneficial solution. Emphasize the value you place on your friendship and your desire to work through this challenge together.
Use this experience as an opportunity for personal and relational growth. Reflect on what you've learned about trust, communication, and financial boundaries in friendships. Apply these lessons to future interactions to prevent similar issues from arising.
Ultimately, finding a resolution to financial disputes within friendships requires patience, empathy, and effective communication. By approaching the situation with understanding and a willingness to collaborate, you can work toward a solution that honors both your financial needs and the integrity of your relationship.

..Read more

Latest Questions
Archana

Archana Deshpande  |123 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Jun 07, 2026

Asked by Anonymous - May 07, 2026
Career
My wife doesn't like dogs. I have two dogs who are like family to me. She screams and disrespects them saying she is scared of them. I am feeling very betrayed because I had mentioned this condition while sending our proposal to her family. It was also written in my matrimonial profile that we have two dogs who stay with us. We rejected so many proposals for this very reason but the family including my wife ignored it and now it is affecting our marriage. It has only been two months and I have to keep my dogs on a leash for the first time. They are deeply hurt and affected. I respect her too but how do I explain to her that my dogs are safe? Everyone in my family is equally concerned but my in-laws feel that dogs should be treated as pets not family. I strongly disagree. If my partner cannot accept my dogs, would it be right to file for divorce? Please help.
Ans: Hi!!
I can empathise with this whole situation at your home!
Let’s start tackling each issue that you have mentioned one by one…
1. There is surely a breach of trust here bfr marriage.. you did mention that your pets are an integral part of the family… you need to sit down and discuss this… find a common ground.This discussion is between you and your wife only.
2. Ask the in- laws to stay out of the discussion about how your family treats pets.
3. Take the pets out of the scenario and check the equation between you and your wife. How much value you attach to this relationship and each other? What lengths will both of you go to ensure that this partnership works?
If it’s a win - win situation, then sit down and chalk out a plan to make it work…
5. Both of you be part of solutions….ask her what was she expecting from you knowing that you are a pet lover and this was a precondition for marriage, yet she went ahead and got married to you…
6.There is no black and white solution here… I am also thinking aloud as I write to you…
After all the heart to heart talk… tell her that tying the dogs is not an option.. they are like children to you! Ask her to come up with solutions… tell her you want the marriage to work..you also from your end try to make her comfortable slowly get her used to the dogs, show her that they are harmless. The fear of dogs can be taken away slowly… consult a psychologist/ marriage counsellor to help you out if your efforts don’t yield results!
7. It’s been just 02 months. Both of you try to make the marriage work . You are both equally responsible for this marriage!!

All the very best!

...Read more

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