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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Leaving him over money

104 replies

MamasJustWinginIt · 06/10/2024 13:58

I have been married for 10 years and we have been together for 15 in total. The last few years of my marriage have been very difficult and I think it is time to end things but a small part of me is worried I am not being fair. I am not comfortable sharing the full details of the situation with anyone in my life, hence this post.

I come from a family that is relatively financially secure; my parents own our family home and a few other properties, run relatively successful businesses. He comes from a family that is less financially secure and grew up in social housing. This has never mattered to me and I have never actually thought much about it until recent events.

We met as young, inspired and ambitious 20-something year olds, dated for a few years then got married. After a few more years we had DS. This is when the cracks began to show. Though we had always split all the bills, I found myself paying for the bulk of the baby related items, while also being on maternity leave, while also doing the lion's share of the domestic work and child care. I let it go because I made more money and had managed to put aside a healthy savings. In retrospect perhapse letting it go was one of my first mistakes because I wasn't actually comfortable with it. I felt he should and could contribute more financially but I didnt want to make money a thing (how ironic). At this point we were living in one of my family's properties so that we could save and buy a house together.

I returned to work and DS went to nursery, the cost of which we split evenly. At this point my husband was working full time and running a small business on the side which wasn't bringing in much but was his passion. A year later he decided to return to school to pursue a postgraduate degree. I didn't think the timing was right as DS was still in nursery but DH insisted and said it will be better in the long run as it will allow him to get a better paying job and that he would pay for it. He pursued his MA, but of course the implications were more than financial as he spent evenings away at school and most weekends studying. This was the beginning of me doing all weekend family activities alone with DS and this still hasn't changed much to date (DS is now 7). As DH was paying for school, he was often short on bills and I had to cover it. When he eventually completed his degree, DS was in school so financially, we were in a much better place. He began looking for a better job but after a couple months of rejections, he became disheartened, went back to his old job and chose to focus on his business. I insisted he should persist as his job paid very little but he decided to just put his all into his business and as his job was easy, he can get it done quickly and focus on the business. To date, that business is still operating at a loss.

I admit this has all led to resentment on my side as I continue to carry the financial burden as well as the domestic one (He does not cook and only cleans occasionally). Now, after 8 years of living in my parent's property we have since had a second child who is soon turning 3 and I am eager to move out and buy a house. I would like to move out of the city to a nicer house where the kids have more space to play. I recently asked DS how much he has in savings for the house, (we have separate accounts) and he has said £1000. I nearly had a heart attack. When I asked where all the money went he said he invested it in his business. The same business that has never made £1 in profit. Without telling me.

I am speachless. I feel betrayed and taken advantage of.

I have managed to save a significant deposit for the house and I want to divorce him, buy a home by myself and start a new life, but am I being unfair? Should I consider that he maybe doesn't have the same financial values I have been brought up with? But I have taught him everything I know. I have worked my way up the career ladder and make double what he does, but he has had every opportunity to make as much and even more but chooses his passion. I admire him for having passion, but resent him for being so selfish. But, perhaps most importantly, am I being unreasonable for blowing my kids lives up, and over money? Am I the one now being selfish because I want to be more equally yoked, when I was fine with the difference in the beginning? Or is this less about the money and more about the betrayal?

AIBU? What would you do?

OP posts:
MamasJustWinginIt · 06/10/2024 13:59

Sorry that is so long

OP posts:
MatildaTheCat · 06/10/2024 14:05

YANBU at all but get legal advice before you tell him. He may come after half of your savings as a marital asset.

YellowRoom · 06/10/2024 14:05

But it sounds as if money is just one aspect. He doesn't pull his weight with the house or children, lies to you and disregards your needs. I can't see what he brings to the table - a partner is supposed to enhance your life, not diminish it.

NuffSaidSam · 06/10/2024 14:06

There's so much to unpick.

It's nothing to do with the fact that you've got wealthy parents and he doesn't. That's irrelevant.

It's not really even to do with money. The issue is that he's selfish and lazy and dishonest. If the business makes a million pounds tomorrow he'll still be selfish, lazy and dishonest. Ask yourself what values you want your children growing up with, what you want them to see and model when they grow up.

As an aside, having separate finances like this when you're married with kids is mad. The fact that you've allowed that to happen is as much on you as him.

PolaroidPrincess · 06/10/2024 14:07

I don't think you would be leaving him over money. What backgrounds you come from is also irrelevant.

What seems to be stinging is that he's happy to cruise along doing very little in a low paying, comfortable job, spending his money on his hobby (that's what his sideline is if it's not profitable).

Meanwhile he's taking no consideration of what you want for your futures. He's also not doing his fair share of adulting with the housework or looking after his own DC.

At this point he's looking like a rather expensive Cocklodger piece of furniture.

Things aren't going to improve either from the sounds of things. Would you be happy with another 10, 20, 30 years of him behaving like this?

Can you take advice on putting your savings in a trust before you start Divorce proceedings?

PolaroidPrincess · 06/10/2024 14:08

MatildaTheCat · 06/10/2024 14:05

YANBU at all but get legal advice before you tell him. He may come after half of your savings as a marital asset.

And half her pension.

Nothanks17 · 06/10/2024 14:10

I think how you split bills you are being reasonable...

A lower earner in a marriage should not be paying half of the bills. Many women on here earn less than their other half and have had issues having sod all left and scrimping whilst their husband treats themselves (multiple posts). It should either be proportionate or the other way where you are both left with same disposable at the end of the month (imo)

On the other hand - him running his business at a continuous loss whilst you are married thats not ok and should be discussed. Finances should all be discussed and on the table, when you are married whether its in a seperate account or not is shared (albeit might stop him spebding if in your account) but if you divorce you will have to declare all accounts... unless you had a prenup. This is from what I understand anyway.

Maybe the resent is comibg from the business decision and not picking up his share of the household duties and I would focus on that. Sit down and make it clear re. Your goal of moving, look at costs, discuss how you feel about him continuing with the business. Make a spreadsheet of all costs. I would not cope with the uncertainty of being with a husband with a business at a loss - how long has the business been going and is it usual for it to be at a loss for X years?

In a way he is using both your money into the business (you are married its both your money) so that has to be discussed.

MounjaroUser · 06/10/2024 14:10

He is a cocklodger, relying on you to provide for him while he fritters his money away. He doesn't even pull his weight with his own child.

I would have lost all respect for him, tbh.

Gazelda · 06/10/2024 14:13

Do you love him?

JHound · 06/10/2024 14:13

MamasJustWinginIt · 06/10/2024 13:58

I have been married for 10 years and we have been together for 15 in total. The last few years of my marriage have been very difficult and I think it is time to end things but a small part of me is worried I am not being fair. I am not comfortable sharing the full details of the situation with anyone in my life, hence this post.

I come from a family that is relatively financially secure; my parents own our family home and a few other properties, run relatively successful businesses. He comes from a family that is less financially secure and grew up in social housing. This has never mattered to me and I have never actually thought much about it until recent events.

We met as young, inspired and ambitious 20-something year olds, dated for a few years then got married. After a few more years we had DS. This is when the cracks began to show. Though we had always split all the bills, I found myself paying for the bulk of the baby related items, while also being on maternity leave, while also doing the lion's share of the domestic work and child care. I let it go because I made more money and had managed to put aside a healthy savings. In retrospect perhapse letting it go was one of my first mistakes because I wasn't actually comfortable with it. I felt he should and could contribute more financially but I didnt want to make money a thing (how ironic). At this point we were living in one of my family's properties so that we could save and buy a house together.

I returned to work and DS went to nursery, the cost of which we split evenly. At this point my husband was working full time and running a small business on the side which wasn't bringing in much but was his passion. A year later he decided to return to school to pursue a postgraduate degree. I didn't think the timing was right as DS was still in nursery but DH insisted and said it will be better in the long run as it will allow him to get a better paying job and that he would pay for it. He pursued his MA, but of course the implications were more than financial as he spent evenings away at school and most weekends studying. This was the beginning of me doing all weekend family activities alone with DS and this still hasn't changed much to date (DS is now 7). As DH was paying for school, he was often short on bills and I had to cover it. When he eventually completed his degree, DS was in school so financially, we were in a much better place. He began looking for a better job but after a couple months of rejections, he became disheartened, went back to his old job and chose to focus on his business. I insisted he should persist as his job paid very little but he decided to just put his all into his business and as his job was easy, he can get it done quickly and focus on the business. To date, that business is still operating at a loss.

I admit this has all led to resentment on my side as I continue to carry the financial burden as well as the domestic one (He does not cook and only cleans occasionally). Now, after 8 years of living in my parent's property we have since had a second child who is soon turning 3 and I am eager to move out and buy a house. I would like to move out of the city to a nicer house where the kids have more space to play. I recently asked DS how much he has in savings for the house, (we have separate accounts) and he has said £1000. I nearly had a heart attack. When I asked where all the money went he said he invested it in his business. The same business that has never made £1 in profit. Without telling me.

I am speachless. I feel betrayed and taken advantage of.

I have managed to save a significant deposit for the house and I want to divorce him, buy a home by myself and start a new life, but am I being unfair? Should I consider that he maybe doesn't have the same financial values I have been brought up with? But I have taught him everything I know. I have worked my way up the career ladder and make double what he does, but he has had every opportunity to make as much and even more but chooses his passion. I admire him for having passion, but resent him for being so selfish. But, perhaps most importantly, am I being unreasonable for blowing my kids lives up, and over money? Am I the one now being selfish because I want to be more equally yoked, when I was fine with the difference in the beginning? Or is this less about the money and more about the betrayal?

AIBU? What would you do?

You are not being unreasonable but I think young people reading this should take it as a lesson as to why premarital counselling is such a good idea. You have very different financial outlooks so fundamentally I think you were never compatible for marriage.

Secondly the fact you are the breadwinner AND the main caregiver and domestic labourer is an absolute p*stake on the part of your husband. He should feel embarrassed but he appears not to be. I don’t even think it’s his background. I am from a similarly poor background and still worked to better myself and would never take advantage of a partner the way he is taking advantage of you.

If you do divorce he would get a share of the marital assets but at this point I want to ask: what do you get from this marriage? What value does he bring to your life.

Toopies · 06/10/2024 14:15

Its over.
You have been rightly used.
Tell him you are done and get him out of your parents house.

MamasJustWinginIt · 06/10/2024 14:16

NuffSaidSam · 06/10/2024 14:06

There's so much to unpick.

It's nothing to do with the fact that you've got wealthy parents and he doesn't. That's irrelevant.

It's not really even to do with money. The issue is that he's selfish and lazy and dishonest. If the business makes a million pounds tomorrow he'll still be selfish, lazy and dishonest. Ask yourself what values you want your children growing up with, what you want them to see and model when they grow up.

As an aside, having separate finances like this when you're married with kids is mad. The fact that you've allowed that to happen is as much on you as him.

All fair points. We have separate accounts plus a joint account where bills come from. But yes, no visibility on each others savings and spending outside of the family account.

OP posts:
Hankunamatata · 06/10/2024 14:18

Have you ever sat down together and discussed financial plans. Or had a yearly check in with savings.

Smithhy · 06/10/2024 14:18

He doesn’t have a side business. It’s merely a hobby if it’s not bringing in any money, and just gives him an excuse to not partake in family life.

thepariscrimefiles · 06/10/2024 14:20

Does he know that this has made you so angry and disappointed that you would like to split up? What did he say when you expressed your concerns about him putting all his money into a completely unprofitable business? Is he remorseful?

GingerPirate · 06/10/2024 14:21

Oh, a man who "tags along".
Rather unattractive, I'm afraid.
You seem perfectly self sufficient, OP.

Ablondiebutagoody · 06/10/2024 14:21

I think that the mistake is only mentioning the house deposit situation after 8 years (I can't believe that) and just assuming that he was putting away a similar amount to you. I wouldn't blow up the relationship right now but you need a joint plan of where you are heading short, medium and long term.

Maria1979 · 06/10/2024 14:23

Where is the love in this? That would be my first question. He obviously thinks he's the most important person in your family pursuing his dreams with studies and business on your expence while also letting you take care of the children and the housework. His selfishness would have killed any love I had for him, his financial irresponsability would be the nail in the coffin.

Please review your situation with a lawyer because if he can take anything more from you he will.

MamasJustWinginIt · 06/10/2024 14:24

Nothanks17 · 06/10/2024 14:10

I think how you split bills you are being reasonable...

A lower earner in a marriage should not be paying half of the bills. Many women on here earn less than their other half and have had issues having sod all left and scrimping whilst their husband treats themselves (multiple posts). It should either be proportionate or the other way where you are both left with same disposable at the end of the month (imo)

On the other hand - him running his business at a continuous loss whilst you are married thats not ok and should be discussed. Finances should all be discussed and on the table, when you are married whether its in a seperate account or not is shared (albeit might stop him spebding if in your account) but if you divorce you will have to declare all accounts... unless you had a prenup. This is from what I understand anyway.

Maybe the resent is comibg from the business decision and not picking up his share of the household duties and I would focus on that. Sit down and make it clear re. Your goal of moving, look at costs, discuss how you feel about him continuing with the business. Make a spreadsheet of all costs. I would not cope with the uncertainty of being with a husband with a business at a loss - how long has the business been going and is it usual for it to be at a loss for X years?

In a way he is using both your money into the business (you are married its both your money) so that has to be discussed.

This is a fair point with regards to the bills but yes, the bulk of the resentment is coming from the business decision as well as the lack of pulling his weight around the house.

OP posts:
MamasJustWinginIt · 06/10/2024 14:25

Gazelda · 06/10/2024 14:13

Do you love him?

Yes. And this is the problem. But I think it need to love myself more.

OP posts:
MamasJustWinginIt · 06/10/2024 14:32

JHound · 06/10/2024 14:13

You are not being unreasonable but I think young people reading this should take it as a lesson as to why premarital counselling is such a good idea. You have very different financial outlooks so fundamentally I think you were never compatible for marriage.

Secondly the fact you are the breadwinner AND the main caregiver and domestic labourer is an absolute p*stake on the part of your husband. He should feel embarrassed but he appears not to be. I don’t even think it’s his background. I am from a similarly poor background and still worked to better myself and would never take advantage of a partner the way he is taking advantage of you.

If you do divorce he would get a share of the marital assets but at this point I want to ask: what do you get from this marriage? What value does he bring to your life.

Im not sure anymore. In the beginning he was passionate, ambitious and inspired and I admired that. But I have learned that hard way that it takes so much more than that build a good marriage.

OP posts:
User364837 · 06/10/2024 14:36

Yes I’m really sorry but starting point would be be is entitled to half of your joint pooled savings assets. This is frustrating if you feel he has frittered away money.
might be less if your need to house DC is greater but he could ask for 50/50 shared care.

nfkl · 06/10/2024 14:38

How you feel for a guy and how a guy feels for you matter a lot less than the intrinsic quality of the person.

He may be madly in love with you, and you with him, but he is actually irresponsible, selfish and lazy. THAT will ultimately determine the tone of the relationship, more than the feelings. Feelings come and go, characters stay.

SquatWeightaMinute · 06/10/2024 14:43

I would be worried about him taking half of your savings in a divorce. Can you use what you have to buy a home for you and your children, I imagine with very young children you wouldn’t be required to sell up and give him half of the family home.

*I am not a lawyer and not qualified to give legal advice, this is more musings out loud.

MamasJustWinginIt · 06/10/2024 14:46

Ablondiebutagoody · 06/10/2024 14:21

I think that the mistake is only mentioning the house deposit situation after 8 years (I can't believe that) and just assuming that he was putting away a similar amount to you. I wouldn't blow up the relationship right now but you need a joint plan of where you are heading short, medium and long term.

We had a clear savings goal and deadline which we both agreed on and then adjusted both during covid and again when we found out we were expecting DS2. He chose to then take that money and invest it in his business thinking he would be able to return it in time.

I am not willing to adjust again. I will buy a house early next year

OP posts: