”He has a will. I would inherit the house.”
He currently has a will. You currently would inherit the house.
I’ll say it again. He can change this at any time and you’d be non the wiser.
”If he was to die, I would get a pay out through his work and pension. That’s all in order.”
You are currently his beneficiary. He can change this at any time and you’d be non the wiser.
”He isn’t tight with money, he never said he would refuse to pay childcare it’s just that’s it’s so much more expensive than me providing care.”
He is tight - you’re looking at this from a team perspective.
He’s looking at what makes his life easier.
Think of your loss of earnings, pensions (state & private),in work benefits you could have had.
His gain for your loss of long term stability.
”We didn’t have children for the first 10 years Of our relationship, I worked those years. When I met him he already had a house and paid mortgage on it.”
So for 10yrs you paid into his house? Bills, food, maintenance, decorating, furniture (I’m assuming).
It’s a worse deal than renting.
Since then you have enabled his working life. All the pleasure of a family with minimum financial responsibilities.
RandomMess makes an excellent point.
I bet the bulk of his wage goes into the mortgage, pension contributions and bills (savings / investments?). All things that ultimately benefit him. Ok, you might get a holiday and jewellery - that’s not something you can pay a deposit / rent a home with. Think of all that money you’ve saved him by doing the childcare, contributing to the house before kids. Where has all that money gone...
Has he set you up with a pension, ISAs - anything? Thought not.
He’s placating you with the future carrot of the pension etc... it costs him nothing to promise you this. & it is just a promise. What would happen if the relationship failed in the near future? You would walk with nothing except CM.
You are fooling yourself if you are reassured by this cheap promise.