Suman Finances: They Didn’t Die Because of Debt. They Died Because of the Delay.

They Didn’t Die Because of Debt. They Died Because of the Delay.

Last week, a 55-year-old husband and wife in Delhi ended their lives.
Police reports point to severe financial stress, mounting loans, and a business collapse.

This is not a story about irresponsibility.
This is a story about delay.

Delay in taking financial decisions.
Delay in seeking help.
Delay in planning for uncertainty.
Delay in admitting that money problems don’t resolve themselves.

Most people don’t break financially in one day.
They break quietly, over years, telling themselves:

“Let things settle, I’ll plan later.”
“This loan will somehow get managed.”
“I don’t want to think negatively.”
“I’ll deal with it once income improves.”

That waiting is where the real risk lives.

Debt Is Not the Enemy. Silence Is.

Debt, when supported by income, reserves, and structure, is manageable.

But when income stops, savings are absent, and decisions are postponed,
debt turns into emotional pressure, month after month.

In this case, the business shut down.
Income stopped.
Expenses didn’t.
Loans continued.

And without a plan, every passing month felt heavier than the last.

The Hard Truth We Avoid

Financial stress doesn’t just impact bank balances.
It erodes confidence, sleep, relationships, and hope.

When people feel trapped for too long, the mind begins to lie:

“There is no way out.”

Most of the time, there is a way out,
but only before stress turns into despair.

What Actually Protects Families

Not motivation.
Not positivity.

But:

emergency funds that buy time
insurance that protects dignity
early debt restructuring
honest conversations before crises

Financial planning is not about chasing wealth.
It is about preventing helplessness.

If You’re Still Postponing This Decision…

Please pause.

Ignoring finances doesn’t make problems disappear.
It only makes them harder to face later.

Most money-related tragedies are not due to lack of income alone.
They are due to delayed action.

👉 If this article made you uncomfortable, that’s a signal, not a coincidence.
Take time this week to review your finances, talk to someone you trust, or seek professional clarity.

Planning early is not fear.
It is responsibility.

📣 If this resonates with you, take a moment to reflect or even share this with someone who needs to hear it.
And if you feel stuck, know that you don’t have to navigate this alone.

💬 Book a 1-2-1 Money Clarity Call to understand your financial patterns and rebuild harmony, both with money and relationships.
👉 https://study.successwithsuman.com/l/f61fd9d4a1

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With warmth and wisdom,

Suman Manjrekar
Wealth Strategist| Financial Planning & Money Well-Being