To think they count as savings…

[Whatsyoursismine]

DH and I have separate finances with a joint account that we pay into monthly for the mortgage, shopping, bills everything for DCs etc. We pay into the joint account in proportion to our earnings. I am the higher earner by approx 3x.

We both have some savings. Mine from my earnings. DH a from earnings and he also bought some bitcoins which are worth quite a bit more than when he bought them.

We are planning to make an overpayment on our mortgage. DH thinks we should do that in proportion to our savings, but not including his bitcoins. I get what he might not want to sell them at the moment and also understand I maybe have more capacity to top up my savings, but it feels unfair that all my assets count but not all of his.

AIBU to think its not fair to not count the bitcoins?

Ps. Please don’t suggest we should merge finances!! I work harder and do most to the DCs stuff so this is very much not a case where he’s sacrificed his career to look after the children.

Why not consider your proportionate incomes towards the overpayment and then jointly decide an agreed amount you will both contribute from savings/investments? He can either pull that money from his savings or sell some Bitcoins. It's his choice, but at least you are contributing an amount you both decide is fair. It's up to him where he pulls that from.

If he doesn't want to sell his Bitcoin why not just match the amount he is willing to overpay on the mortgage?

Or are you insisting he pay a certain amount and he can't afford that without his Bitcoin?

Life's too short for this.