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Ans: Dear Anonymous,
Like in any partnership, marriage is one such partnership where everything is usually shared. But I do know of couples, where they mutually agree that one partner takes care of the bills and the other education etc.
In your case, your wife has been saving up and you have been bleeding dry of your finances.
But why exactly are you spending more than your income? Financial mismanagement? Maybe that's why your wife is worried that it might happen to her portion of the income too?
Having said that, I guess your wife also needs to move past the belief that the Man is solely responsible for bringing money home. By that logic, she should never have worked, right?

Since she is working as well, she can contribute towards the family to the extent it can help but it is also imperative that as a woman she keeps some finances saved as a back-up for herself. It provides a good safety blanket for a woman since she possibly feels that you are spending more than what you earn.
It's up to you to bring about the subject without her feeling that you are out to spend all her money. So, you really need to start with managing your finances better...I am sure things will get better from thereon...

All the best!

Ans: Dear Mr. Rao,
As you are already 53 and would be reaching superannuation in a few years, it is advisable to stick to the same company. If you want to change, you must look to upgrade your skills in AI and Data Science. These are the 2 skills which would be in high demand in the next 2 years and shift to a good company.

Ans: Dear Mahi,
Thank you for asking. I am doing well and trust that you too will be in the same space as well.
When what he has done has broken your trust, it is difficult to get it back... he has come back, but you are perhaps thinking: what if he pulls the same stunt again? And this makes you question every move of his...

If you look at it from his point of view, he possibly also loves you but his family pressures are getting to him and he can do only that much. Yes, it would have been more 'human' to talk to you about what had happened after he spoke with his family. But he chose not to and that lack of transparency is what has thrown you off...perhaps, he isn't all that mature emotionally or feels that he might lose you if he shares anything.

Whatever it is, your loss of trust on him is justified after the way he had behaved. If the two of you still want to give your relationship a chance, kindly do so...and clearly state to him that you have lost trust on him. Not only does he have explaining to do but he must reassure you that he will be honest with you in future. Also, give some time before committing to a marriage while you watch whether he has changed and he is consistent with what he has committed to changing. Only when you are sure, take a decision either way!

All the best!

Ans: Dear Yadnya,
Competitive exams are such! The mindset that is required to attempt these is not just hard work but also RESILIENCE; which means adapting the mind to reality with its challenges thrown at you...
It's not the question of mere passing or failing but a certain level at which you are required to perform. How will you know that before you sit down to write the exam? So, yes...there is a faint bit of luck involved perhaps...

Having said this; as much as you have put down structure and process to the way you study, put down a plan of how you will manage your mind irrespective of the outcome. Do not be attached to the results, but keep it as a Goal point! Attaching yourself to the outcome that is not in your control will only get you all stressed up...

1. Write down your Goal clearly
2. Put down a neat plan of action to achieve it
3. Break down the action plan into what you will do everyday
4. Do some physical exercise everyday
5. Set aside time to meet friends
6. Remind yourself that this exam is not the end of your dreams but one of the ways to live your dreams
7. Journal everyday to release stress

All the best!

Ans: Hello Sir, you need to increase the gap between dinner and sleep to a minimum of two hours so that the food is completely digested. As a part of sleep regime - take a stroll outside or even inside the house one hour after dinner for abt 15-30 minutes, depending on your stamina. A good sleep also needs a relaxed mind, therefore, try anulom vilom for 10-15 minutes and 5 minutes of Om chanting before your lie down for sleep. Hope this helps. You can also try half a cup of chamomile tea before hitting the bed.

Ans: She can go for commerce or arts. Thorough both she can have good career as teacher. There is huge demand for good teachers. She should analyse as to why she didn't score well in 10th. Possibility that she didn't like science and/or maths. It is ok, every student has their own strengths & weaknesses. Also she can decide upon being College teacher by clearing applicable exams after graduation or if interested she can start her own classes in future or join reputed coaching institutes.

Ans: Hello Mirza and thanks for writing to me. You have 2 Small Cap oriented funds and 1 Index Fund.

You can consider continuing to invest in Kotal Small Cap, pause investments in DSP Nifty 50 and begin investing in Edelweiss NIFTY 100 Quality 30 Index Fund, pause investments in Nippon Small Cap Fund and begin investing in SBI Focused Equity Fund.

Ans: Hello Vineet and thanks for writing to me. The funds you invest in are good funds and you can continue to invest in them.

Ans: Maintaining healthy friendships is important for your well-being. Here are some suggestions on how to keep your friendships stress-free and enjoyable:

Communication: Open and honest communication is key. Express your feelings, concerns, and needs to your friends, and encourage them to do the same. Effective communication can help address any issues or misunderstandings before they escalate.

Boundaries: Establishing and respecting personal boundaries is essential in any friendship. Clearly communicate your boundaries and be mindful of your friends' boundaries as well. This can help prevent conflicts and promote mutual respect.

Active listening: Practice active listening when your friends are sharing their thoughts or concerns. Show genuine interest, ask questions, and provide support when needed. Being a good listener strengthens the bond in friendships.

Quality time: Make an effort to spend quality time with your friends. Plan activities or outings that you all enjoy and create opportunities for meaningful connections. This can help strengthen your friendships and create positive experiences together.

Acceptance and understanding: Recognize that everyone has their strengths, weaknesses, and differences. Accept your friends for who they are and try to understand their perspectives. Embracing diversity within friendships can lead to a more harmonious dynamic.

Conflict resolution: Conflicts may arise in any relationship, including friendships. When conflicts occur, address them calmly and constructively. Approach the situation with empathy, actively listen to each other's perspectives, and work together to find resolutions that satisfy both parties.

Self-care: Take care of yourself physically, mentally, and emotionally. Engage in activities that bring you joy and relaxation. Prioritizing self-care allows you to bring a positive and balanced energy to your friendships.

Remember that maintaining friendships is a two-way street, and both parties need to invest time and effort. If you're feeling overwhelmed or experiencing tension or depression, it's essential to seek additional support from a mental health professional who can provide guidance tailored to your specific needs.