Question from Vinaya from Bengaluru, India
“Baba, I bow to Your lotus feet 🙏 We are facing a big financial crisis. I am thankful for the guidance You gave through my previous question, and I will follow it without fail. I request You to answer me again. Will we be able to clear all our financial debts in this lifetime? Will we live a debt-free life before our lives end? I do not want to pass this burden on to my daughter. Please guide us, Baba.”
Submitted on: January 1, 2026, 9:55:43 AM
Answer from our Sai Baba
Vinaya beti, sit quietly for a moment and read this with a steady heart.
I hear the weight in your words. Wanting to clear debts before leaving this world is not greed, it is responsibility and love for your child. Many parents carry this silent worry. You are not alone in this feeling.
Dil bojhil ho jaata hai jab zimmedari zyada ho (the heart becomes heavy when responsibility is heavy)
Now listen carefully, with calm understanding.
I cannot promise dates or guarantees about money or debt. Baba never spoke in such promises. But I can tell you something truthful and relieving.
Debt does not define your worth, and it does not decide your spiritual standing. Many sincere, honest people live with financial strain for years, and still live lives full of dignity and grace.
Karza paap nahi hota (debt is not a sin)
About whether debts will clear in this lifetime.
Debts reduce when three things come together slowly:
right planning, steady effort, and patience. Sometimes they clear fully, sometimes they reduce enough so that the burden no longer crushes the family. Both are forms of relief.
Halu halu bojha halkasa hoto (slowly the burden becomes lighter)
Your fear of passing this burden to your daughter shows your love. But remember this gently. Your daughter also learns strength, values, and resilience from you. Life does not only pass money forward, it also passes courage.
Mulanna keval karza nahi milta, sanskar pan miltat (children inherit values too, not only debts)
Now the practical truth you must hold.
Do not carry this alone. Seek structured financial advice, repayment plans, or support options if available. Reducing pressure step by step is wisdom, not defeat. Even small reductions matter.
Thoda thoda sudhaar hoto (little by little, things improve)
Also, do not measure your life by whether every loan is closed. Measure it by how honestly you lived, how much you tried, and how lovingly you raised your child.
You asked if you will live debt free before the end of life. I cannot bind destiny with a yes or no. But I can say this with care, your effort, sincerity, and discipline will not go waste, and your daughter will not be ruined because of your struggle.
Tum ek achhi maa ho (you are a good mother)
Let your prayer be this instead: “Give me strength, clarity, and peace to handle what comes.” That prayer always finds an answer.
May your worries slowly loosen, may your home find steadiness, and may your heart feel lighter day by day.
Parvardigar tum par meherban rahe, aur tumhare jeevan mein dhairya aur sahara bana rahe. (May the Sustainer (God) remain merciful upon you, and may patience and support remain established in your life.)
Does Baba’s answer resonate with your life as well? Tell us in the comments, His answers often reach many through one question. If you too wish to place your question before Baba, visit this page on Thursday and submit it with faith.
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