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AIBU to want half of the pension after divorce?

1000 replies

DivorcingDebbie25 · 20/09/2026 21:46

Trying to avoid drip feed. Am sixty. Married 40 years. Kids are 40/38. I’ve never really worked. Husband had corporate career. I have been waiting for him to retire for years but it’s become clear that will never happen. He is rarely at home, constantly doing adventure stuff or pursuing his hobby. I’ve given up waiting and I want a divorce. He’s not fought me on it and clearly we are just done. I’ve moved out into rented and he’s paying my rent and expenses- clearing credit card etc.

We are reasonably civil but he says asking for half is ridiculous. He says that the only real assets are his massive pension fund, my smaller one and our house which we will sell. I think he should give me half the value of the pension fund but he says that’s not possible. He says half the house and then we combine the value of the pensions and I get the equivalent of half the income from it. Surely I can just ask for the value and then do what I want with it? It feels very controlling.

I will of course get a lawyer but wanted to check if I’m being unreasonable in asking for my half? What about future income / inheritance etc? Once I’m divorced do I lose all claim on that even though I’ve supported him to earn this money and to see the return on investments that won’t come through for a few years?

OP posts:
Thread gallery
6
Elmer83 · 21/09/2026 22:53

Thinkofnewthings · 21/09/2026 22:38

But it doesn’t matter if she brought nothing to the marriage at all, if she didn’t attend a single school play and didn’t clean or cook or sort out Christmas presents. She could have spent her days on a chaise longue eating grapes. It doesn’t matter.

Yeah no bother. We’re on the same side here…she’s entitled to half…legally!

Elmer83 · 21/09/2026 22:54

CoffeeandCakeBreak · 21/09/2026 22:40

I have adults now.

I don’t cohabit, nor would I ever want to.

So you’re very protected financially. Good for you: OP isn’t…that’s the point of the her post.

ILoveListeningToRainAtNight · 21/09/2026 23:08

TriciaA1991 · 21/09/2026 22:43

I think people here are being really mean. The children being the age they are mean OP is 60s and so is husband. Quite a lot of this age group working in director roles expected wives not only to stay at home, but also to undertake various roles, and it wasn't to "potter" or to lunch.
A lot of women ended up giving up work or staying at home because of the complete lack of input from the man; they would have been effectively a working single parent and this was NOT what their husbands "required". It wasn't the easy option most people are imaging.

Yes, I've seen a lot of this. Sometimes there just isn't room for two careers in a marriage. You don't even find this out until you're married with children, then it's too late. If you haven't lived in this dynamic, you don't know how restricting it is.

TriciaA1991 · 21/09/2026 23:17

SunnyQD · 21/09/2026 22:14

We are going round and round in circles. The OP's children were grown when she was in her late 30s! It's just not true to say that she could not have had a career. I'm not sure what you mean by affecting the children. Are you implying that all DC need a SAHP, otherwise they can't thrive?

I think trying to force people to change opinion by being so judgmental doesn't work ......
I, too, am gobsmacked by how horrible most of these posts have been.
Feminism was supposed to be about choice - not criticizing people who didn't do what YOU think is right

Elmer83 · 21/09/2026 23:17

ILoveListeningToRainAtNight · 21/09/2026 23:08

Yes, I've seen a lot of this. Sometimes there just isn't room for two careers in a marriage. You don't even find this out until you're married with children, then it's too late. If you haven't lived in this dynamic, you don't know how restricting it is.

Absolutely!! This is my situation right now. Our circumstances don’t allow for me to have the same career paths as my husband. He earns £87k a year, travels at the drop of hat, attends events and award ceremonies, networks non stop. I earn £21k working 30 hours a week but it means I can work from
home so I’m here for our teen who has autism and is home schooled.
I wish so much I could live my husbands life but I can’t earn his wage due to his experience and qualifications...which I don’t have.
One day I might be in OPs position and facing divorce. If I am, the thought of people telling me I wasn’t ambitious or hadn’t done enough would hurt.
That is why I’m confused by all these posters exclaiming how hard they work for their careers when sometimes others have different situations or circumstances. Doesn’t make them “grabby” or lazy. In this instance OP had the option of not working but that doesn’t mean she didn’t “work” mentally, emotionally or physically.

ThisUmberSwan · 21/09/2026 23:18

Luckystarss · 21/09/2026 20:42

Hi OP, as you can see from the sheer number of replies - your question has touched a very raw nerve! I don't think it's really about you personally, so please don't take it too much to heart. Here's what I think is actually going on:

  1. comparison hurts more than unfairness does. A lot of the harshest posters are women who worked full time AND did the lion's share of childcare and home admin on top ("the second shift"). When they see you potentially ending up in a similar or better financial position for a different path, it doesn't feel fair - even if nobody's actually done anything wrong. Psychologists call this relative deprivation - we don't measure our situation in a vacuum, we measure it against the person standing next to us, and that comparison stings far more than an abstract unfairness would.
  2. “She must not deserve it” protects their own world view. Loads of us want to believe that hard work = reward, full stop (just-world belief). If a SAHM comes out financially secure "for doing nothing" (in their eyes), it threatens that belief - because if it's not true for you, some posters have to face the thought that their years of grinding away at both a job and the household maybe didn't buy them any extra security either. It's much easier on the ego to decide you don't deserve it than to sit with that.
  3. Sour grapes basically.. A few posters have said outright they weren't able to stay home even if they'd wanted to - money, a husband who wouldn't have gone for it, whatever. When you can't have something, it's a very human trick of the mind to decide it wasn't worth having anyway, or that the person who did have it is somehow morally lesser for it (cognitive dissonance reduction, if you want the technical term). It's not really about you - it's about a choice they didn't get to make.
  4. Women being harder on other women than a stranger would be.. This gets called horizontal hostility in feminist psychology - when a group has to fight for scraps of social approval, they sometimes end up policing each other more fiercely than any outside critic would, rather than banding together. Working mums get told they're neglecting their kids, SAHMs get told they're parasites - nobody wins, and women end up turning on each other instead of on the actual system that never valued care work properly in the first place.
  5. Unpaid work is invisible because we’ve never built it into how we measure “contribution”.. Yhere is no payslip, no job title, no annual appraisal for raising two children and running a household for 40 years - so when people ask "well what did she actually DO", it's because our entire economic language (GDP, CVs, pension statements) was never built to capture it. That's not a reflection of its real value, it's a design flaw in how we count things. It's exactly why UK divorce law treats homemaking as an equal contribution to a marriage regardless of what the comments section thinks - the law is one of the only places that explicitly corrects for this blind spot.
  6. And there is a class angle too…Full-time SAHM right through into your 60s is genuinely more common in professional/higher-income households (which is your world - private school, one big income) than it is for most UK women, who've worked through motherhood out of necessity since the 70s/80s at least. Some of the "this wasn't normal" pushback is really a class gap talking past itself, not an attack on you specifically.

None of this means you were greedy for asking the question - the opposite, really. The posters most furious about your unpaid contribution being "worth" 50% are often, without meaning to, proving exactly why the law protects it. Please do go and get proper legal advice, and try to let the pile-on roll off you a bit. Good luck OP 💐

Her kids are 40… she could have returned to work 30 years ago 25 years ago but chose not to. Better yet she still could have returned to the working world at 40 20 years ago when her kids were 20 but instead she’s now sat at 60 deciding where the money she didn’t earn therefore has no rights to morally is going. She could have built a wonderful career for herself over the last 20/30 years but chose not to.

It doesn’t make sense to me that she feels hard done by in the situation when she has chosen to be ignorant to the world and live off her husband.

I would understand her point if she was 20 years younger 30 years younger but she isn’t. She has literally sat and had everything handed to her while her kids have been adults for what 22 years?

come off it. I wouldn’t like to be the husband in this position. She hasn’t needed to be a stay at home mum in a long time so why should she get the advice she wants as though her kids are 15 and she is 35 😂

Elmer83 · 21/09/2026 23:26

ThisUmberSwan · 21/09/2026 23:18

Her kids are 40… she could have returned to work 30 years ago 25 years ago but chose not to. Better yet she still could have returned to the working world at 40 20 years ago when her kids were 20 but instead she’s now sat at 60 deciding where the money she didn’t earn therefore has no rights to morally is going. She could have built a wonderful career for herself over the last 20/30 years but chose not to.

It doesn’t make sense to me that she feels hard done by in the situation when she has chosen to be ignorant to the world and live off her husband.

I would understand her point if she was 20 years younger 30 years younger but she isn’t. She has literally sat and had everything handed to her while her kids have been adults for what 22 years?

come off it. I wouldn’t like to be the husband in this position. She hasn’t needed to be a stay at home mum in a long time so why should she get the advice she wants as though her kids are 15 and she is 35 😂

Wow! I hope you’re a man typing this. I bet your not though which is what makes it even sadder 😭 Honestly gobsmacked at some
of the responses on here. Just because her husband has financially supported her?
Also, what law says “she should have” gone back to work 30 years ago?” Her husband and her decided she would be a house wife whilst he worked? What problem do you have with that?
Now the marriage has failed doesn’t take away the fact she believed it was forever and so trusted the process?

Butchyrestingface · 21/09/2026 23:27

walrushurricane · 21/09/2026 18:00

You previously said the 1970s not the 1980s

My sibling and I were BORN in the 1970s. I was 6 in the 1980s.

Thinkofnewthings · 21/09/2026 23:28

ThisUmberSwan · 21/09/2026 23:18

Her kids are 40… she could have returned to work 30 years ago 25 years ago but chose not to. Better yet she still could have returned to the working world at 40 20 years ago when her kids were 20 but instead she’s now sat at 60 deciding where the money she didn’t earn therefore has no rights to morally is going. She could have built a wonderful career for herself over the last 20/30 years but chose not to.

It doesn’t make sense to me that she feels hard done by in the situation when she has chosen to be ignorant to the world and live off her husband.

I would understand her point if she was 20 years younger 30 years younger but she isn’t. She has literally sat and had everything handed to her while her kids have been adults for what 22 years?

come off it. I wouldn’t like to be the husband in this position. She hasn’t needed to be a stay at home mum in a long time so why should she get the advice she wants as though her kids are 15 and she is 35 😂

But the law doesn’t agree either you, and the law was created to be fair, right and moral. The fact that your personal moral view differs from that of the law is neither here nor there.

SquirrelsAreGo · 21/09/2026 23:30

SunnyQD · 21/09/2026 20:59

I don't think she actually said that . I believe she said that she had been waiting for him to retire for years, not that he had agreed and kept changing his mind.

This is what I was referring to -
"on the retiring thing he said that he would have enough money to stop at fifty, then 55. Then 58. But he still works"

walrushurricane · 21/09/2026 23:36

ThisUmberSwan · 21/09/2026 23:18

Her kids are 40… she could have returned to work 30 years ago 25 years ago but chose not to. Better yet she still could have returned to the working world at 40 20 years ago when her kids were 20 but instead she’s now sat at 60 deciding where the money she didn’t earn therefore has no rights to morally is going. She could have built a wonderful career for herself over the last 20/30 years but chose not to.

It doesn’t make sense to me that she feels hard done by in the situation when she has chosen to be ignorant to the world and live off her husband.

I would understand her point if she was 20 years younger 30 years younger but she isn’t. She has literally sat and had everything handed to her while her kids have been adults for what 22 years?

come off it. I wouldn’t like to be the husband in this position. She hasn’t needed to be a stay at home mum in a long time so why should she get the advice she wants as though her kids are 15 and she is 35 😂

Even if she had worked she still would not have had so much time to build up a pension and probably would have been a low earner. So her pension woukd still be a lot lower than her husbands due to childcare responsibilities. Do you think it fair to not share the pension pot,? Do you also think the higher earner should get more of the house equity?

CremeDeMure · 21/09/2026 23:42

ThisUmberSwan · 21/09/2026 23:18

Her kids are 40… she could have returned to work 30 years ago 25 years ago but chose not to. Better yet she still could have returned to the working world at 40 20 years ago when her kids were 20 but instead she’s now sat at 60 deciding where the money she didn’t earn therefore has no rights to morally is going. She could have built a wonderful career for herself over the last 20/30 years but chose not to.

It doesn’t make sense to me that she feels hard done by in the situation when she has chosen to be ignorant to the world and live off her husband.

I would understand her point if she was 20 years younger 30 years younger but she isn’t. She has literally sat and had everything handed to her while her kids have been adults for what 22 years?

come off it. I wouldn’t like to be the husband in this position. She hasn’t needed to be a stay at home mum in a long time so why should she get the advice she wants as though her kids are 15 and she is 35 😂

It doesn't have to make sense for you. What you think she should have done differently 30 years ago is completely and utterly irrelevant to what the law says.

If he didn't want the risk of losing 50% he should have encouraged and supported her going out to work. You can guarantee that would not have worked for him. He clearly enjoyed the benefits of having a wife at home.

I can also guarantee if OP had come here saying her husband was a proven cheat, instead of merely a suspected one, every post would be telling her to take him to the cleaners. Her work status would be a footnote to the whole story.

Skatefordinner · 21/09/2026 23:54

So he has worked all of your time together, paid into your pension , funded your entire adult life and you think he’s being unreasonable? I don’t doubt you did the lion’s share of work bringing up the children when they were younger, kept the house, supported his career. But so do millions of other women whilst working full time. Many men excel in their careers whilst having a wife that works and the end result is the same. And he’s paid into a pension for you?!

No I don’t think it will be easy to get a job now but did you never want to? It doesn’t sound like he forced you to not work when the DCs were older.

Obviously you need legal advice but I also think it would be helpful for you to acknowledge the extremely privileged life you have been provided with until now and make the necessary adjustments now this chapter is over at your request.

PyongyangKipperbang · 22/09/2026 00:06

SunnyQD · 21/09/2026 20:51

That's the thing though. Having a 'high flying career', particularly with a working partner, requires sacrifices and a lot of hard work. Many people are prepared to put in the hard work, the daily grind, make the sacrifices. The OP is not that sort of person. She led a passive life, had no ambition or particular interests. It's no good pretending that she wanted a high flying career but didn't because she was a martyr to her husband's career, when there is no evidence for this at all. The opposite, in fact.

You clearly have no idea what it was like to find regular, affordable, childcare in the 80's and 90's that would facilitate a career, especially outside London. Nicola Horlick was held up as the "woman who had it all" in the 80's and 90's, except that she didnt and she could afford full time nannies for her kids. That wasnt the reality. There were far fewer nurseries and childminders then outside of the cities.

You sit there all smug that "I did it, so why couldnt @DivorcingDebbie25 ?!" without taking into account that you did it in a hugely different set of circumstances.

Your bitterness is showing that OP had an easy life and you didnt. Perhaps instead of insisted she could have worked, I could insist that if your career means so much, you shouldnt have had children so they didnt have to sacrifice their time with you because you chose your job over them....... its a thought.

AWeekAndADay · 22/09/2026 00:07

Much as I think your unfair in this regard yes half the house and half of both pensions together is what you will get, probably minus all the expenses he is also paying for you right now. Hopefully he will wake up and stop paying for you and you get a job

PyongyangKipperbang · 22/09/2026 00:08

ThisUmberSwan · 21/09/2026 23:18

Her kids are 40… she could have returned to work 30 years ago 25 years ago but chose not to. Better yet she still could have returned to the working world at 40 20 years ago when her kids were 20 but instead she’s now sat at 60 deciding where the money she didn’t earn therefore has no rights to morally is going. She could have built a wonderful career for herself over the last 20/30 years but chose not to.

It doesn’t make sense to me that she feels hard done by in the situation when she has chosen to be ignorant to the world and live off her husband.

I would understand her point if she was 20 years younger 30 years younger but she isn’t. She has literally sat and had everything handed to her while her kids have been adults for what 22 years?

come off it. I wouldn’t like to be the husband in this position. She hasn’t needed to be a stay at home mum in a long time so why should she get the advice she wants as though her kids are 15 and she is 35 😂

Except that her husband WANTED her to be a housewife.

PyongyangKipperbang · 22/09/2026 00:11

This thread is glowing green from the envy.

Thinkofnewthings · 22/09/2026 00:15

PyongyangKipperbang · 22/09/2026 00:11

This thread is glowing green from the envy.

It doesn’t help the argument if you say things like that, though. It’s clearly not a matter of envy for anyone.

Skatefordinner · 22/09/2026 00:15

It’s absolutely not envy. There is no part of me that would have wanted OPs life, particularly when her DCs were adults.
It’s the sense of entitlement of the Op that I think many posters are most astonished at!

Tigerthebreadroll · 22/09/2026 00:17

PyongyangKipperbang · 22/09/2026 00:11

This thread is glowing green from the envy.

I am not sure envy is the right word... if you are a sahm you lose out on a career and the security it provides. If you have a career you miss out on being looked after and putting your family or kids first and a wonderful family life but risk to you later. No one wins this argument - despite whst we think.. women really cannot have it all

PyongyangKipperbang · 22/09/2026 00:20

Skatefordinner · 22/09/2026 00:15

It’s absolutely not envy. There is no part of me that would have wanted OPs life, particularly when her DCs were adults.
It’s the sense of entitlement of the Op that I think many posters are most astonished at!

Her entitlement is part of UK law. She wants what she is entitled to.

The use of the word "entitled" has come to mean demanding arseholes who want something they havent earned. OP has earned her share of the pension by agreeing to her husbands desire that she be a housewife because it made him look good. He earned, she did everything else. They were both happy with the arrangement. He said that he would invest their money in pensions (mainly his) as that is best way to secure their future....their future.

Half of that money is hers under UK law. Regarding future income, she was asking about investments they agreed to make that have not yet matured, and about a promised bequest to her at some point in the future.

HardyPinkPanda · 22/09/2026 00:23

Luckystarss · 21/09/2026 20:42

Hi OP, as you can see from the sheer number of replies - your question has touched a very raw nerve! I don't think it's really about you personally, so please don't take it too much to heart. Here's what I think is actually going on:

  1. comparison hurts more than unfairness does. A lot of the harshest posters are women who worked full time AND did the lion's share of childcare and home admin on top ("the second shift"). When they see you potentially ending up in a similar or better financial position for a different path, it doesn't feel fair - even if nobody's actually done anything wrong. Psychologists call this relative deprivation - we don't measure our situation in a vacuum, we measure it against the person standing next to us, and that comparison stings far more than an abstract unfairness would.
  2. “She must not deserve it” protects their own world view. Loads of us want to believe that hard work = reward, full stop (just-world belief). If a SAHM comes out financially secure "for doing nothing" (in their eyes), it threatens that belief - because if it's not true for you, some posters have to face the thought that their years of grinding away at both a job and the household maybe didn't buy them any extra security either. It's much easier on the ego to decide you don't deserve it than to sit with that.
  3. Sour grapes basically.. A few posters have said outright they weren't able to stay home even if they'd wanted to - money, a husband who wouldn't have gone for it, whatever. When you can't have something, it's a very human trick of the mind to decide it wasn't worth having anyway, or that the person who did have it is somehow morally lesser for it (cognitive dissonance reduction, if you want the technical term). It's not really about you - it's about a choice they didn't get to make.
  4. Women being harder on other women than a stranger would be.. This gets called horizontal hostility in feminist psychology - when a group has to fight for scraps of social approval, they sometimes end up policing each other more fiercely than any outside critic would, rather than banding together. Working mums get told they're neglecting their kids, SAHMs get told they're parasites - nobody wins, and women end up turning on each other instead of on the actual system that never valued care work properly in the first place.
  5. Unpaid work is invisible because we’ve never built it into how we measure “contribution”.. Yhere is no payslip, no job title, no annual appraisal for raising two children and running a household for 40 years - so when people ask "well what did she actually DO", it's because our entire economic language (GDP, CVs, pension statements) was never built to capture it. That's not a reflection of its real value, it's a design flaw in how we count things. It's exactly why UK divorce law treats homemaking as an equal contribution to a marriage regardless of what the comments section thinks - the law is one of the only places that explicitly corrects for this blind spot.
  6. And there is a class angle too…Full-time SAHM right through into your 60s is genuinely more common in professional/higher-income households (which is your world - private school, one big income) than it is for most UK women, who've worked through motherhood out of necessity since the 70s/80s at least. Some of the "this wasn't normal" pushback is really a class gap talking past itself, not an attack on you specifically.

None of this means you were greedy for asking the question - the opposite, really. The posters most furious about your unpaid contribution being "worth" 50% are often, without meaning to, proving exactly why the law protects it. Please do go and get proper legal advice, and try to let the pile-on roll off you a bit. Good luck OP 💐

How refreshing to read such an insightful take into all this. I was bewildered with how mean and aggressive some of the comments have been. Kinda fascinating. I understand it better now, thank you 😊

SnowFrogJelly · 22/09/2026 00:35

Not sure why everyone is being so harsh to the OP.. it’s her life and she chose not to work

OP you need to see a mediator to help sort finances and you will be entitled to half of everything

theresnolimits · 22/09/2026 01:14

PyongyangKipperbang · 22/09/2026 00:06

You clearly have no idea what it was like to find regular, affordable, childcare in the 80's and 90's that would facilitate a career, especially outside London. Nicola Horlick was held up as the "woman who had it all" in the 80's and 90's, except that she didnt and she could afford full time nannies for her kids. That wasnt the reality. There were far fewer nurseries and childminders then outside of the cities.

You sit there all smug that "I did it, so why couldnt @DivorcingDebbie25 ?!" without taking into account that you did it in a hugely different set of circumstances.

Your bitterness is showing that OP had an easy life and you didnt. Perhaps instead of insisted she could have worked, I could insist that if your career means so much, you shouldnt have had children so they didnt have to sacrifice their time with you because you chose your job over them....... its a thought.

And yet lots of us did find childcare. Nursery and childminders for my two. And then they went to school at 5 and so after school clubs and summer camps. Occasionally sensible teenagers. And mine were born in1987 and 1990.

I’m sorry this has descended into a working vs not working mums scenario. I just find it really irritating when PPs claim it was common not to work when the vast majority of us were scrabbling around making it work. It was really difficult at times (as it is now) and it’s disappointing to be dismissed as if we didn’t exist. BTW no free hours available then either.

OP needs good legal advice. A long marriage is a partnership and clearly the set up suited them both.

theresnolimits · 22/09/2026 01:17

BTW I don’t envy OP at all. I am proud of what I achieved in my career, the way I have been financially independent, the firm friends I have made in my job and the example I set to my children. Had I got divorced, I would have had no fears about my ability to survive alone. Jobs are about far more than money.

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