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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Hubby’s bombshell regarding work

198 replies

Lou898 · 07/06/2020 00:37

Bit of background.
Married with 2 sons 16 and 20 both living at home, eldest just finished University.
I’ve always worked and even when I was unhappy in my job, got another before leaving existing one. Hubby worked in business travel industry for many years but in the last 10 years has moved jobs Within travel several times, sometimes due to takeovers, redundancies etc.
About 4 years ago the firm he was working for had issues and I knew he was unhappy but he came home one day and said he’d told them to stuff it. Panic set in a bit as he’d no plans on what to do and we can’t live on just my wage. Subsequently it caused a lot of stress and bad feeling as it took ages for him to secure another job (Partly him not actively looking and suggesting he could professionally gamble but that’s another story ) and we ended up using nearly all our savings. He did some consultancy work for a few months which he got well paid for and then got headhunted for a new travel venture. This was well paid but eventually went under and again out of work. Again took a lot of nagging and stress and upset on my part as we’d just started to get back on track. He decided he wanted out of the travel business and I too thought this was probably the right decision as it’s slowly dying, but it’s what he’d done all his working life. Anyway fast forward and he secured a job In a totally different sector albeit on much lower pay and unsocial hours but something he thought he’d enjoy, so I was happy for him to take a less stressful job if he enjoyed it. The hours aren’t great 6pm to 3am/4am and then until covid a 45 min drive away, but he was ok with doing it when he started.
Covid has since had him working successfully from home which he’s found much better not having the drive home in early hours.
Tonight he’s come down and said firm are looking at getting them back to office in July. He’s said there’s no way I’m doing that. So I said what are you going to do and he said Jack it in if they insist.
I said are you going to start looking for something else then? At first he said yes but then he said I’ve got some money I might just give you that. I said and how long do you think that’ll last? He answered how long do you expect me to work for until I’m 67? He’s 60. I said no but for a few more years, unless you find out when you can draw your pension and if we can manage on it.
He walked out of the room and has barely spoken to me since.
I feel stressed about this all happening again. I have lost my dad and mum in the last 15 months mum in Dec and am still struggling with that.
My mum left a house which isn’t sorted out yet due to covid but I’m mad if he thinks that the house will be a safety net for him not to work.

AIBU

OP posts:
1forsorrow · 07/06/2020 09:04

My life is much easier now than when my dc were young - now that was a tiring time! Teenagers aren't always easy.

Cremebrule · 07/06/2020 09:05

I’m in my 30s and have no plans to work past 60 and have planned accordingly with pensions etc. My dad had to take early retirement due to ill health when I was still living at home and I saw how much carrying on affected him and the pressure of providing for me. While many people can and do work well beyond retirement age, it is very different when someone chooses to do so because they love their job.

The reality is that in this country, healthy life expectancy is quite different from life expectancy. Many people will be in a precarious position if their only plan is to work until state pension age without a back-up option.

MrsT1405 · 07/06/2020 09:08

At 60 he should look at taking his pensions and retiring. If he hates working so much and can afford not to,, why should he? Taking a pension can be an easier option than you think. You stop paying out all sorts of stuff , like pension contributions and even with a reduction for taking it early , it can work out better than you think. I dont think you are being very supportive and theres a faint whiff of smoke around.

diddl · 07/06/2020 09:08

60 might still be young enough to be working full time-but is it wrong to want to retire when well enough to enjoy it?

NoMoreDickheads · 07/06/2020 09:09

It's obviously nicer to retire earlier, but that's something people do when they have the money. Shock

And by that I mean most people wouldn't do it if it was going to badly effect the family/couple's finances, unless they'd worked out ways it wouldn't overly negatively effect their partner etc.

It does sound suspicious that it's come after you've had an inheritance.

how long do you expect me to work for until I’m 67?

For most families this question would just never come up. Early(er) retirement is something people do when they're in a position to do it- everyone else works as long as they have to.

If you're aiming to work for another 14 years, this could be your time to focus on that whilst your DH takes part time retirement/pension and perhaps even starts a hobby.

@Savingshoes Why should the OP work her arse off while her DH bums around before retirement age?

Cambionome · 07/06/2020 09:10

@1forsorrow

My life is much easier now than when my dc were young - now that was a tiring time! Teenagers aren't always easy.
Of course teenagers aren't easy, but not as full on time consuming as very young children imo.
Redwinestillfine · 07/06/2020 09:13

Just tell him he needs to find another job first or present you with a plan of how he I tends to pay his half of the bills until he can draw his pension. You need details of this money he has access to and how much is there so you can see how long it will last etc

IchbineinBerlinner · 07/06/2020 09:15

If I were you I'd separate the finances. Let him have his money and you yours. So he can go without if he chooses not to work. I bet(!) he still has dreams of being a professional gambler. I separated my husband's finances from mine years ago and it has been much less stressful.

RandomMess · 07/06/2020 09:16

I would ask to sit down together and financially plan - if he retires at 60 and you do as well what sort of income will you have to live on and start living on it now...

You need to plan for the money to last until you are what 85, as the younger spouse.

If it means a pauper retirement he may not be so keen, however you may be pleasantly surprised and it's affordable. I would have the discussion if he retires then he'll be doing the housework, cooking, washing etc.

ChaToilLeam · 07/06/2020 09:17

There are other options besides him retiring. I can understand him not wanting to return to the current job but given his previous performance (quitting his job without any discussion, wanting to become a professional gambler FFS, and not bring in a hurry to find a new one) I would NOT accept his retirement at 60. He sounds selfish as hell.

RandomMess · 07/06/2020 09:19

Obviously if you keep your inheritance entirely separate and don't use it all to contribute to the "family pot" he has no entitlement to it in divorce.

You could choose just spend it on yourself and retire and use it to draw it as income just for you!

Is your mortgages paid off in full?

Typohere · 07/06/2020 09:21

I get that you are stressed and upset.

What I don't get and I've seen it often on here the preseumption that if your parent died then the house/money is yours to decide what to do with. Marriage is a partnership and surely using that money to make either of your lives easier is the key. Maybe you could use some of that money and both of you could work less since nearing retirement.
I don't get the work till you drop attitude and if there is money from inheritance why would it not be used to make life easier now?

It's hard to work in a job with very unsocial hours as he has done and I don't really blame him at to not want to go back for unsocial hours but if he found something with better hours then surely better for both of you?

I am probably going against the gran since I've MN a strange set of whats mine is mine and whats yours (with husbands etc) is mine too, rather than try and use whatever both have to make the life of each other easier.

Redwinestillfine · 07/06/2020 09:21

Can you stick inheritance money in a savings account you can't access until after you retire?

Quarantimespringclean · 07/06/2020 09:23

I don’t see a problem with retiring at 60 if the family finances can manage it. I’m 59 and no longer work and most of my friends of a similar age have very firm plans to stop work in the next couple of years. My DH was planning on stopping next summer at 61 (but we will have to see if COVID will hit his pension fund hard enough to change his mind).

The issue here seems to be that the OP doesn’t seem to like her husband or trust him to make good choices. That’s what needs addressing - does she really want to go into old age with someone she has so little respect for?

I also don’t get the inheritance being ‘hers’. When I inherited from my dad it was ‘our’ money and we planned how it should be spent together.

Typohere · 07/06/2020 09:26

Wow would someone really just keep 'their' inheritance just for themselves when they are in a marriage - long term and both parties work and contribute.

As I said I never really got the this is mine and that is yours thing when in a loving marriage. I must say that when men inherit it is taken into consideration for divorce as is pension income etc so why does poster above assume that it would be different for a woman?

FredaFrogspawn · 07/06/2020 09:27

I’m late fifties, part time now and managing -fully intend to draw down from pension if I need to do so. Working until 68 if you want to-fine- but I would rather learn to live off a much smaller income and have my time back. He needs to draw up a plan and show you how it’s going to work to ensure he pays his share. He must pay his share of whatever lifestyle he chooses. Eg if he wants holidays, a pet, a hobby, a heated house during the day or to run a car he needs to be able to pay his way. Then he should be able to do what he wants within that.

mathanxiety · 07/06/2020 09:27

It's actually very hard to ringfence an inheritance when you're married, but if I were OP that's what I'd be trying to do as much as possible, assuming she wants to stay with him.

Yes, it is but it can be done by various circuitous means. The house 'hasn't been sorted' yet. The OP still has a chance to get working on securing it. Inheritance is not quite the same as assets acquired from income. @Lou898, please talk to a solicitor before you do anything about your mother's house.

I suspect gambling might be still on your H's radar.

Redwinestillfine · 07/06/2020 09:29

I don't think anyone is saying he shouldn't retire. The issue seems to be that they can't afford it. Therefore they need a plan. If her DH wants to do it he needs to bring his plan to the table, not just sulk.

Tootletum · 07/06/2020 09:30

My god. You poor thing. Tell him that since his mental age is 25% of his real age, he's got a lot more years of work.

didireallysaythat · 07/06/2020 09:30

OP

Apologies if I've missed it but when do you think you want to retire? What do you think your joint retirement might look like? Downsizing, moving to the country, closer to family, etc?

DH and I are due to retire at 67 like the rest of the world. But family deaths etc have made us realise we'd like to go earlier....

IdblowJonSnow · 07/06/2020 09:32

The fact that hes now not talking to you is the biggest red flag to me. That's no way to behave.
He might not care if you want to divorce if he'll get a good deal. Is your mortgage paid off? Is your youngest hoping to go to uni?
See a solicitor/FA and find out where you stand.
As he's got form for this I'd definitely tell him he's taking the piss and he's not to resign yet. It's really hard when 2 people have different attitudes to money and savings.

mathanxiety · 07/06/2020 09:35

Wow would someone really just keep 'their' inheritance just for themselves when they are in a marriage -

Yes, absolutely, if one party has a gambling problem or thinks it's ok to become a professional gambler while someone else pays the bills. This H isn't a financially responsible spouse.

Gamblers often keep going until every penny is gone and then the roof over their heads and over everyone else's heads too.

Flittingabout · 07/06/2020 09:37

Hi OP,

Just to give some other ideas, do you know that in the UK disability free life expectancy for men is still mid 60s whilst life expectancy is much higher? It means the closer he gets to 70 to less likely he is to be physically as able to enjoy his retirement. That isn't to say he should just quit his job of course.

I would and have supported a partner who jacked in his job because one day he realised the toll it was taking on him. He did have trouble finding something else but we managed and he learned to be more aware of the signs work was becoming untenable and never got in that position again.

It sounds like a pattern for your DH that all of a sudden he has these realisations of unhappiness and never does anything to ensure he isn't in the same boat again.

PrincessConsuelaVaginaHammock · 07/06/2020 09:40

@RandomMess

Obviously if you keep your inheritance entirely separate and don't use it all to contribute to the "family pot" he has no entitlement to it in divorce.

You could choose just spend it on yourself and retire and use it to draw it as income just for you!

Is your mortgages paid off in full?

If they're in E and W it isn't automatically that simple, especially while they still have a child under 18. OP you should really get your own legal advice on this point, sooner rather than later. Plan ahead.
Daisy12Maisie · 07/06/2020 09:40

I would be raging as well and make it clear your inheritance is for the children's future not his retirement. If he wanted to retire at 60 he should have planned for that! Gone without to make extra pension payments etc