he took vrs from a cooperative bank dreaming of a relaxed life with his wife in their small bungalow in bopal money too can be an area of concern as 51yearold kirit sanghvi of ahmedabad found out most people who opt for vrs have handsome bank balances this triggers tension in the familysays he took the extreme step of ending his life says a chemist at race course medical centre we have a good number of postvrs depression patients availing of antidepressants the final blow came in the form of a dip in interest rates for some money is a matter of concern investments in the stock market and business ventures going wrong are some of the risks there is no point in crying a pala for most early retirees lack of a wise investment plan leads to crises there was no apparent reason for the strife both had earned around rs 25 lakh each in vrs and had no financial worries but many have a sound bank balance yet find no peace viren shukla 45 grew richer by rs 6 lakh when he accepted his companys vrs offer they suffer from diurnal variations insomnia loss of appetite depression and a feeling of unworthiness with 10 lakh in his bank and no kids where was the need to worrythree years down the line sanghvi regrets his decision i am to blame for this misfortune he says vadodaraahmedabad vibha 48 and rakshit pandey 52 were on the verge of a divorce psychiatrist i unlike natural retirement vrs creates a sudden void which may lead to depression warn experts apart from medication a second career a hobby involvement in chores and bringing up grandchildren are some of the remedies to tackle depression say doctors he has lost almost all his money in poor investments luckily they consulted a counsellor who told them they were facing problems because they were unoccupied today i have been forced to sell my house to pay the debts but the step also leads to emotional turmoil and depression says psychiatrist anand khorana of vadodara i dont even have the money to foot my wifes medical bills says psychiatrist vinod goyal this is mainly because people do not give a lot of thought on how to spend their money and live their life after accepting vrsnames of people have been changed to protect their identities he should have been rejoicing but burdened with mounting responsibilities growing monthly expenses and his inability to find a decent job he was getting depressed vibhas new venture a beauty parlour has eased the tension even as the couple is busy ironing out differences