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Dr Aarti

Dr Aarti Bakshi  |40 Answers  |Ask -

Child and Parenting Counsellor - Answered on Feb 04, 2023

Dr Aarti Bakshi is a psychologist licensed by the Rehabilitation Council of India.
A school counsellor, she has worked for 15 years with young adults.
She has two PhD degrees -- developmental psychology from Global Institute of Healthcare Management and clinical psychology from Singhania University.
She is on the CBSE panel for counsellors and special educators. She collaborates with SAAR Education to help children develop life skills.
She has authored SEL (social emotional learning) journals for Grades 1-8.... more
Asked by Anonymous - Feb 03, 2023Hindi
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Hello Doctor, my 19 year old son is suffering from extreme mental health issues. *. He is not interested in studies, says he cannot concentrate at all. *. He is always sleeping. *.Don't want to attain college classes but need attendance to avoid debarred list. *. Just want to go to college for modelling in college fashion shows & college fests. *. Want to spend life like an page 3 celebrity. *. Don't want to write exams but still worried that he cannot clear his graduation. *. Not at all respectful to his Mom. *. Always worried to enhance his looks. *. Needs expensive new clothes & beauty products. *. Doesn't understand value of money at all. *. Has nothing in his mind about his future. *. Cries very easily. *. Thinks he cannot do anything. *. 0% household help or support from his side. *. Always confused, nothing remembers. *. Doesn't like visiting our native place & talking to relatives. There are still to many issues. I don't understand what I should do? Please help.

Ans: Pre-frontal cortex is part of the brain which helps us make responsible decision making. It gets fully developed by 25 years of age. Yours is developed and functioning and your boy's is in the process. Have faith, you have brought him up and he will mirror your actions, your words, the tone of voice soon. Adolescence stage a teen is looking to showcase his self-esteem and identity. Dressing up, looking a certain way is part of the routine and they love adventure. My suggestions: 1. Listen and then respond. Talk of things he does at college, ask him his dreams, help him set one goal at a time and help him to achieve them if he needs help. 2. Make visiting the native place an adventure: let him plan the journey, the time, the food to carry the presents to give everyone there. Even cajole him that he would be able to make some reels there and share with all. 3. Ask for help: be a human who has emotional needs, gets tired, needs help to finish house work. Your child would be seeing you as an established adult, who manages everything, and then imagine you are asking for help from him to do things at home. 4. Career counselling and meeting people from different professions will clear his mind to choose what he loves. 5. Attending college: Ask him about his favourite subjects, what he finds easy and difficult. Peer support and sitting with friends to revise helps to attend college. do encourage that.
Show your boy you love him but also demand from your son that he is responsible for his world. He is an adult in the eyes of law and his actions has a consequences. Money matters can be solved by giving him a fixed amount to run his week. There is a balance between discipline and respect, treat him like a young adult and not a child. You are a good parent, be kind to yourself and meet your friends too. Do revert with the progress!
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Asked by Anonymous - Feb 03, 2023Hindi
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Hello madam, my 19 year old son is suffering from extreme mental health issues. *. He is not interested in studies, says he cannot concentrate at all. *. He is always sleeping. *.Don't want to attain college classes but need attendance to avoid debarred list. *. Just want to go to college for modelling in college fashion shows & college fests. *. Want to spend life like an page 3 celebrity. *. Don't want to write exams but still worried that he cannot clear his graduation. *. Not at all respectful to his Mom. *. Always worried to enhance his looks. *. Needs expensive new clothes & beauty products. *. Doesn't understand value of money at all. *. Has nothing in his mind about his future. *. Cries very easily. *. Thinks he cannot do anything. *. 0% household help or support from his side. *. Always confused, nothing remembers. *. Doesn't like visiting our native place & talking to relatives. There are still to many issues. I don't understand what I should do? Please help.
Ans: Dear Anonymous,
He seems to want to live in a place of alternate reality where the real life is wilfully blurred and a fantasy world plays out easily. This happens when the real world facts disturb him and stress him and escaping into that alternate reality feels reassuring and calming.
This can be addressed by setting up an appointment with a Clinical Psychologist who is skilled to work with teenagers. She/he will use various techniques to ease your son into the real world. Kindly act NOW. In the meantime, surround him with a lot of love and affection.
All the best!

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Relationships Expert, Mind Coach - Answered on Jun 05, 2024

Asked by Anonymous - May 01, 2024Hindi
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Dr. Madam My son,30 yr old, is MBA and serving MNC earning 25000 pm . He shows a very awkward behaviour , rude to family members, very adamant, careless, no charm for marriage and above all shows no responsibility. He takes everything as burden, curses peoples. Always remains fearful of his looks as his beard n hairs getting gray. We consult many psychiatrist but no result. Your suggestions please.
Ans: Your son's behavior, being rude, adamant, and showing little responsibility, coupled with his fear about his appearance, suggests he might be dealing with significant underlying issues such as depression, anxiety, or another mental health condition. The fact that psychiatric consultations haven't yielded results yet indicates that his situation might be complex and in need of a more nuanced approach.

It's essential to consider that sometimes, the right combination of therapeutic methods and practitioners takes time to find. A comprehensive evaluation by a multidisciplinary team could provide fresh insights. This team might include not only psychiatrists but also psychologists and possibly other specialists who can look at his situation from various angles.

Building a strong therapeutic alliance is crucial. The effectiveness of treatment often hinges on the quality of the relationship between the patient and the therapist. Encouraging your son to continue seeking a therapist he feels comfortable with might make a significant difference. It's not uncommon for people to try several therapists before finding the right fit.

Incorporating holistic approaches can also be beneficial. Practices such as mindfulness, meditation, or yoga can help with emotional regulation and stress management. Physical activities and maintaining a healthy diet can have positive effects on mental health. These approaches, combined with professional therapy, might help your son find more balance and relief.

Support groups can be incredibly valuable as well. They provide a space where individuals can share their experiences and feel understood. Encouraging your son to connect with others who face similar challenges can offer emotional support and practical advice, which might help him feel less isolated in his struggles.

It's clear that you care deeply for your son and want the best for him. Navigating this journey requires patience, persistence, and compassion—for both him and yourself. It's important to take care of your well-being too, as supporting a loved one with mental health challenges can be exhausting and emotionally draining. Seeking support for yourself, whether through therapy, support groups, or other resources, can equip you with the strength and resilience needed to continue being there for your son.

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Mutual Funds, Financial Planning Expert - Answered on May 19, 2025

Asked by Anonymous - May 19, 2025
Money
I'm a fresher who currently got placed into an NBFC for 25k salary in hand. How can I multiply this through investments and savings. Please suggest me some. Thank you in advance
Ans: Absolutely delighted to hear that you’ve landed a job. Your first step is a big one. Starting at Rs. 25,000 in hand, you’re not just earning—you’re building a future. Let’s break this down into clear action steps. My aim is to guide you like a Certified Financial Planner would, with a 360-degree plan for savings and smart investments.

I’ll help you understand what to do with your income, how to manage your spending, and how to multiply your savings over time.

Let’s begin with the most important areas.

Understand Your Cash Flow
First, track where every rupee goes.

Use a simple notebook or a mobile app.

Classify expenses: needs, wants, and savings.

Always aim to save before you spend.

Try to save 30% of your income each month.

That means at least Rs. 7,500 should be saved.

Build Your Emergency Fund
Start a separate bank savings account.

Keep Rs. 15,000 to Rs. 30,000 for emergencies.

This is not for shopping or vacation.

Only use it for medical or job-related problems.

Add a fixed amount monthly until you reach your goal.

Get Health Insurance Immediately
Your employer may offer one, but it is not enough.

Buy a personal health cover worth Rs. 3 lakh to Rs. 5 lakh.

Premiums are low for your age.

It protects your savings during illness.

Always disclose everything honestly while applying.

Term Insurance is Not Urgent Yet
You are single and just starting.

So, no need for term insurance now.

Take it only when you have dependents.

Focus instead on building assets and savings.

Automate Your Savings Process
Open a separate savings bank account for investments.

Set auto-transfer every month after salary credit.

This creates financial discipline automatically.

Don’t mix this with your spending account.

Treat savings as your monthly bill.

Start SIPs in Actively Managed Mutual Funds
Choose regular plans via a Certified Financial Planner.

They guide you with experience and research.

Don’t go for direct funds without guidance.

Direct funds need time, study, and ongoing monitoring.

Regular plans give you ongoing personalised support.

A CFP and MFD can help with fund switching also.

Benefits of Actively Managed Mutual Funds
Fund managers take decisions after market study.

Better for new investors like you.

Helps avoid sudden losses due to inexperience.

Higher chances of outperformance in long term.

Active funds adapt to market changes quickly.

Stay Away From Index Funds
Index funds follow market, no fund manager involved.

In bad markets, they also fall badly.

No one to protect or shift to safer assets.

No flexibility in difficult times.

Active funds manage risk better than index funds.

Choose SIPs with Proper Goal-Setting
Don't invest just for returns.

Invest with a goal in mind.

Examples: buy laptop, travel, marriage, house fund.

Assign timelines for each goal.

Choose funds based on time horizon and risk level.

Ideal Portfolio Mix for You
Equity mutual funds: Long-term wealth creation.

Hybrid mutual funds: Balance between growth and safety.

Recurring deposit or FD: For short-term needs.

Keep 2 or 3 funds only. Not more.

Don’t invest in random funds from friends or apps.

Avoid These Investment Mistakes
Don’t buy insurance for investment.

Don’t invest in LIC endowment or ULIPs.

They give low return and high lock-in.

No flexibility, no transparency.

Avoid chit funds and schemes from unknown sources.

Regularly Review Your Progress
Every 6 months, check your investments.

See if your savings rate is increasing.

Track how much emergency fund you have built.

Check if goals are getting closer.

A CFP can help you monitor and correct your path.

Build Skills to Increase Income
Savings alone won’t create wealth fast.

Improve your career skills also.

Take affordable online courses.

Ask for projects at work, build a reputation.

Better pay will give you higher savings later.

Budgeting Tips That Actually Work
Follow 50-30-20 rule: 50% needs, 30% wants, 20% savings.

For now, you may need to reverse it: 50% savings.

Use UPI apps for expense control alerts.

Don’t keep too much cash in hand.

Withdraw once a week, not daily.

Social Media Influencers are Not Financial Planners
Don’t follow random advice online.

Their needs are not your needs.

Your plan should match your goals, not theirs.

Stick to your savings plan strictly.

Professional advice is always better.

Avoid Loan Traps at Early Stage
Don’t take EMI cards or credit cards yet.

Start with a debit card linked to your bank.

Avoid monthly subscriptions that you forget.

Keep zero debt as long as possible.

Loans reduce your ability to save and invest.

Benefits of Investing via MFD with CFP Support
You get advice suited to your income level.

Fund selection is personalised.

Help is given for SIP starting, changes, withdrawals.

They help with taxes and switching too.

Your long-term success becomes their priority.

Don’t Fall for High Returns Promises
If someone offers 20% return, it’s risky.

Stable 10–12% return over years is good.

Compound growth needs patience.

Shortcuts often lead to losses.

Stay steady and grow slowly but surely.

Think Long Term, Act Monthly
Rs. 2,000 monthly SIP grows big in few years.

You will learn patience through SIP investing.

Don’t stop SIPs if market falls.

Use market fall as chance to grow faster.

Keep SIPs running without panic.

Protect Yourself from Tax Shocks Later
Equity mutual funds give tax benefit on long term.

LTCG above Rs. 1.25 lakh is taxed at 12.5%.

STCG is taxed at 20%.

For debt funds, all gains are taxed as per your slab.

So plan redemption properly.

Financial Independence Should Be Your Goal
Try to reach a stage where money works for you.

That needs slow and steady investing.

Once you reach Rs. 5 lakh corpus, add more SIPs.

With every hike, increase SIP by Rs. 500 to Rs. 1,000.

Build wealth step by step.

Stay Consistent, Not Perfect
You may skip saving in one month. That’s okay.

Don’t stop. Resume next month.

Track your progress, not your mistakes.

Stay focused on long term.

Small savings add up to big money later.

Finally
You have made a wonderful beginning.

Saving at Rs. 25,000 salary shows maturity.

With consistency, Rs. 7,500 monthly savings will create big wealth.

Stick to professionally managed mutual funds.

Don’t try shortcuts or risky bets.

Get support from a trusted Certified Financial Planner.

Learn, earn, save, invest, and grow at your own pace.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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