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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:
Nanny0gg · 06/10/2024 14:46

MamasJustWinginIt · 06/10/2024 14:46

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

Please seek legal advice first

cuddlebear · 06/10/2024 14:54

If you divorce, he could be entitled to a significant share of your savings.

You need legal advice.

Mirabai · 06/10/2024 14:56

There are 100s of men on MN running their own business at a loss bankrolled by their wives. It’s very much a thing.

The key facts are his selfishness at home and his white elephant business.

It will cost you a lot to get out but I think you will be better off in the long run both practically and financially.

kittybiscuits · 06/10/2024 15:01

OP please don't make any financial moves or decisions without taking legal advice. He will be seeking half of your joint assets when you leave him, which means he'll get half of everything you've saved including pension, and you'll get half of ... nothing from his side. I think he's really abused your trust and goodwill to the extreme. He's a selfish grifter. The longer you wait to divorce him, the more you will have to split with him.

HomeTheatreSystem · 06/10/2024 15:06

You are not leaving him over money but because he is, in the round, utterly useless.

Toopies · 06/10/2024 15:06

Talk to your parents.
Fill them in.
Get legal advice.
This grifter thinks you are the family bank, you and your parents.
Are you due a fine inheritance?
He'll definitely try and be around for that.

JHound · 06/10/2024 15:08

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.

I wish this was a lesson I had learned as an 18 year old! :D😄😭

StrawberrySquash · 06/10/2024 15:08

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.

What actually happens in practice in the courts? The argument for half the money is that the woman (usually!) had given up the opportunity to develop a career so that the children receive more care from her. And it's easier for the husband to build a career. So you can almost see it as a joint career. I can't see that any of that applies here.

Justsayit123 · 06/10/2024 15:14

The sooner you leave him the better but see a dam good solicitor first to get advice and get everything sorted/protected before telling him.

Quitelikeit · 06/10/2024 15:16

It seems like there has been a lack of communication on both sides.

You are complaining about things yet you don’t state that you have asked for them?

Have you asked him to help with chores?

Have you asked him to help with your son? Did you tell him you felt him pursuing uni was not a good time for you?

Have you told him that you feel betrayed and horrified that he has spent your house deposit on his hobby?

If you want to save your marriage you have to be on the same page going forward with regards to finances.

I think if the guy was earning double his salary you wouldn’t be on here complaining- so I feel money is at the route of things

Theres nothing wrong with wanting better for yourself but ironically that comes with another cost attached!

Also seems to me like the guy has no idea what could be coming his way!

‘don’t mistake my kindness for stupidity’ comes to mind here

Go and talk it out and see how he responds at the very least

Quitelikeit · 06/10/2024 15:17

And a passion/business is basically a hobby if it earned £0 after 5 years or however long!!!

Mrsttcno1 · 06/10/2024 15:18

It would be the betrayal for me over the money and his general attitude of me/my business vs my family. Finances really should have been discussed more thoroughly over the years so that it didn’t come down to this.

However your savings are now part of the marital pot, so if you divorce he potentially gets half.

JHound · 06/10/2024 15:23

StrawberrySquash · 06/10/2024 15:08

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.

What actually happens in practice in the courts? The argument for half the money is that the woman (usually!) had given up the opportunity to develop a career so that the children receive more care from her. And it's easier for the husband to build a career. So you can almost see it as a joint career. I can't see that any of that applies here.

It’s just seen as joint assets. Which makes sense as a married couple. My friend and her husband had to split assets equally (which resulted in her handing over £50k) because they were married. Both worked the whole time and divorced in their mid 30s.

However there was no spousal maintenance of anything. Just an even split.

LetsSeeHowFarWeveCome · 06/10/2024 15:23

You wouldn't be leaving him over money.

You would be leaving him for prioritising himself over his children and you financially.

You would be leaving for prioritising his time over yours.

You would be leaving him because he leaves you to do all the heavy lifting at home, even though you both work full time.

You would be leaving him for not following through on his promise to look for a better paying job after making you carry the financial, emotional and physical weight at home so he could go back to school and do fuck all for several years at evenings and weekends.

You would be leaving him for being a shit husband.

JHound · 06/10/2024 15:26

Quitelikeit · 06/10/2024 15:16

It seems like there has been a lack of communication on both sides.

You are complaining about things yet you don’t state that you have asked for them?

Have you asked him to help with chores?

Have you asked him to help with your son? Did you tell him you felt him pursuing uni was not a good time for you?

Have you told him that you feel betrayed and horrified that he has spent your house deposit on his hobby?

If you want to save your marriage you have to be on the same page going forward with regards to finances.

I think if the guy was earning double his salary you wouldn’t be on here complaining- so I feel money is at the route of things

Theres nothing wrong with wanting better for yourself but ironically that comes with another cost attached!

Also seems to me like the guy has no idea what could be coming his way!

‘don’t mistake my kindness for stupidity’ comes to mind here

Go and talk it out and see how he responds at the very least

Good god almighty why do some of you treat men like children?

”Ask him to help with the chores”
”Ask him to help with the children.”

You cannot expect him the realise that the kids and chores are his responsibility too!

Cringe!

LightSpeeds · 06/10/2024 15:28

@MamasJustWinginIt : "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 suggest you move out and buy a house BY YOURSELF!

He's had a fine time of doing just what he likes while you man and steer the ship!

Quitelikeit · 06/10/2024 15:30

@JHound they are giant toddlers are they not? 😂😂

Merryoldgoat · 06/10/2024 15:31

I have an uncle who grew a very successful business from nothing. His cardinal rule was NEVER leverage personal finances against business needs.

It’s fine to earn different amounts if you’re both working hard and contributing equally - and that includes unpaid work inside the home. What’s not ok is plugging away at a loss-making business that should be a hobby and using money saved for your security to prop it up.

This is nothing to do with his upbringing. It’s to do with him as a person.

Quitelikeit · 06/10/2024 15:32

Also relationship dynamics do not exist in isolation to one person - it is both of them who carry the responsibility of communicating issues

Its ridiculous to suggest that a man will ‘just know’ what he needs to do!!!

Mirren22 · 06/10/2024 15:41

Sounds like he would do well financially if you divorce him?

Notimeforaname · 06/10/2024 15:44

What your parents have, or do, means nothing in your relationship.
You want to leave, leave. You've wasted enough time waiting for him to meet you halfway.

JHound · 06/10/2024 15:46

Quitelikeit · 06/10/2024 15:30

@JHound they are giant toddlers are they not? 😂😂

They are really not. But they get away with all kinds of stuff because people treat them as if they are.

If I have to ask my “partner” for assistance with chores and childcare then he is not a partner and I am putting him out of the house.

MamasJustWinginIt · 06/10/2024 15:46

Toopies · 06/10/2024 15:06

Talk to your parents.
Fill them in.
Get legal advice.
This grifter thinks you are the family bank, you and your parents.
Are you due a fine inheritance?
He'll definitely try and be around for that.

Yes I think it's time I talk to them. I have been avoiding it due to ... shame.

OP posts:
SauviGone · 06/10/2024 15:49

His business is not a business. If it’s not making money at this point after so many years it’s merely a very expensive hobby or a vanity project.

Which he has spaffed all of his money on whilst being financially supported by you.

Get legal advice and divorce him.

But be aware he’s going to come after your savings.

Theirishwoman · 06/10/2024 15:51

Haven’t read all the responses but this isn’t actually about the money. It’s about the fact that you have fully committed yourself and your life to raising your family. He has not. He is still suiting himself down to the ground, despite the fact that you have 2 children.

he has not put his families needs first once in this story, even down to not cooking dinner. This doesn’t sound like the right person to raise a family with.