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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:
TemuSpecialBuy · 06/10/2024 15:55

This is just so so sad…

you could all be so happy together
you have money, your health and two lovely children…. and all he wants is to avoid family life so he can play at a business… or something

His business isn’t a business and this sentence had me open mouthed
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).

7 years of this????
it’s no way to live…

unless he can literally do a 180 now now I’d be talking to my family and working out how to extricate myself

SauviGone · 06/10/2024 16:00

Now, after 8 years of living in my parent's property

Get some really good legal advice. Find a way to hand all of your savings over to your mum and dad as payment for the 8 years you’ve lived in their house. Then divorce him.

They can give you your savings back once the divorce is finalised.

Bestyearever2024 · 06/10/2024 16:00

If you buy a house early next year, before you divorce, couldn't STBXH come after half that house as well as half your savings and pension?

Howmanyusernames123 · 06/10/2024 16:00

Are you in the UK? As that will make a difference as this site will give predominantly Uk based advice. Your use of “school” to mean uni made me wonder, as in the UK you would not be doing an MA at school.

it’s normal for one partner to bear the financial responsibility. It’s usually the man, however we see on here a lot when the woman is the main earner the man is seen as taking advantage, which is not the case in reverse.

do you both work the same hours? What does he contribute? If he doesn’t pull his weight generally yes, you may be better cutting your losses now.

Theonewhogotaway · 06/10/2024 16:07

Has he really blown it all on his business or is he squirreling it away so he can sponge off you?

either way I’d be out. He’s a user and a taker. This isn’t about money he’s letting you do everything at home too. He’s living off you. How can you love someone who does that; he doesn’t have any respect for you is treating you with contempt . If he loved you he’d try. Even just at home. Do his share.

end it.

Theonewhogotaway · 06/10/2024 16:08

Howmanyusernames123 · 06/10/2024 16:00

Are you in the UK? As that will make a difference as this site will give predominantly Uk based advice. Your use of “school” to mean uni made me wonder, as in the UK you would not be doing an MA at school.

it’s normal for one partner to bear the financial responsibility. It’s usually the man, however we see on here a lot when the woman is the main earner the man is seen as taking advantage, which is not the case in reverse.

do you both work the same hours? What does he contribute? If he doesn’t pull his weight generally yes, you may be better cutting your losses now.

You can’t be serious.

Ivehearditbothways · 06/10/2024 16:09

Can you get rid of your money for a while? He put all his into his business without consulting you. Now it’s gone so nothing to split in the divorce. Can you… gift someone your money? You have separate finances so if you want to give someone money then you can. Then wait several months before starting divorce proceedings? Otherwise, he’s getting your money.

Theonewhogotaway · 06/10/2024 16:12

I can’t beleive he’s living in your parents house, having everything done for him and doesn’t pay his way and you even have sex with him.. It’s utterly shameful, how can you even look at him, never mind sleep with him,

Boomer55 · 06/10/2024 16:14

Theonewhogotaway · 06/10/2024 16:08

You can’t be serious.

Well, over here, you wouldn’t be doing an MA at school. 🤷‍♀️. If OP lives abroad, it will be different rules regarding divorce. 🙄

OlderGlaswegianLivingInDevon · 06/10/2024 16:19

he has leeched off you for years, and now he will gain 50% of your savings.

He has done well for himself, hasn't he.

Hollietree · 06/10/2024 16:20

Have you talked to him about how unhappy you are? What is his response? Does he recognise that he needs to change, or does he think he is completely justified in his previous actions? My advice would vary depending on his response.

LouiseTopaz · 06/10/2024 16:28

I guarantee when you leave him he will look for a better paying job, right now you're enabling him, I've seen it so many times with my friends partners. You will probably have more money if you leave him and don't have to support him.

JohnofWessex · 06/10/2024 16:33

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.

Women ditto

JohnofWessex · 06/10/2024 16:35

You need to take legal advice.

he MAY have a claim against your savings but its not guaranteed

PaminaMozart · 06/10/2024 16:40

@MamasJustWinginIt- you need a really sharp lawyer to ensure you don't get fleeced in the divorce.

But whatever you lose in monetary terms you'll gain in being free to live without this leech, so it'll be worth it in the long term.

JHound · 06/10/2024 16:56

Howmanyusernames123 · 06/10/2024 16:00

Are you in the UK? As that will make a difference as this site will give predominantly Uk based advice. Your use of “school” to mean uni made me wonder, as in the UK you would not be doing an MA at school.

it’s normal for one partner to bear the financial responsibility. It’s usually the man, however we see on here a lot when the woman is the main earner the man is seen as taking advantage, which is not the case in reverse.

do you both work the same hours? What does he contribute? If he doesn’t pull his weight generally yes, you may be better cutting your losses now.

This man is taking advantage. He is contributing nothing to the marriage.

JHound · 06/10/2024 16:57

JohnofWessex · 06/10/2024 16:33

Women ditto

This is not true.

Quitelikeit · 06/10/2024 17:00

@jhound you are generalising a lot on here

Your way and beliefs are not the solid rules and facts of the world

ChipsDipsAndBlips · 06/10/2024 17:08

It sounds like you have different values/priorities.

He very much wants a relaxed life, whereas you have goals/ambitions you want to achieve. This means you have to work double to achieve them as he isn't putting in the effort.

I wonder whether he isn't concerned about finances because all the bills are being paid, and your housing is secure, you're due for a big inheritance etc. He is working and paying for things, although earning and saving less than you. He possibly thinks "what's the issue". At the same time, you want more (your own place, some savings, help with the domestic side etc) but you're having to do the heavy lifting to achieve it, leading to resentment.

I think someone has to change (your perspective or his input) otherwise resentment will keep building. For example, on your side you could see the money as "family money" given your greater capacity to earn, and hire some domestic help to reduce to load (e.g. cleaner, Gusto meals). He could keep applying for higer paying jobs and end his business.

If it really isn't working, end it. Why spend the rest of your days feeling unhappy and resentful?

PolaroidPrincess · 06/10/2024 17:11

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

I can understand we stand that and I'm lucky enough to live in the UK where Divorce is pretty normal for most.

If you think it's safe to Divorce abs you're considering it, it's time to start seeking legal advice and talking to your DPs

Marine30 · 06/10/2024 17:12

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.

Wise advice.

bigvig · 06/10/2024 17:24

If you want to stay with him fine. But - still divorce him. Buy the house in your name only. Then if things do go south you won't have to split things 50/50. He doesn't deserve 50/50. You are the breadwinner and the domestic slave. Plus it's your parents who've provided cheap accommodation all the years. Honestly I'm raging on your behalf. What a joker.

Bigcat25 · 06/10/2024 17:40

Would you consider marital counselling and financial coaching? It's hard in marriage if you aren't working as a team with money and having full transparency. Lots of businesses fail but it's probably time for him to throw in the towel.

I was listening to a money call in show and caller's husband also made about a buck an hr. The host said he doesn't have a job, he has a hobby, and needs to give that up and contribute. I think that applies to your husband as well, especially in terms of housework and spending time with family.

biglipslittlehips · 06/10/2024 17:45

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.

Out of interest, if the OP decided to now 'invest' in her parents/subling's/friend's new start up this no longer having any money how would this work?
He invested all his money into his business. What if she invested all of hers into some other unprofitable 'startup' ?

Mabris · 06/10/2024 17:46

You need to leave as soon as possible. This man is holding you back! I was in a similar situation, my ex did same. Pursued business ideas even though it was at a loss, he made me borrow 25k from the bank to invest in his business but I never saw a profit from it. When I refused to borrow any more money, he basically left me and 2 kids. Because I owned several properties, he was awarded one during the divorce even though he hadn't spent a penny on any. Fast forward 15 years, I'm now remarried for 12 years now. My ex husband has since had the house he was awarded repossessed and he's still pursuing the business ideas and working as a carer to fund it. Living in a house share. I'm sorry to say, you will never fix him. Your backgrounds are too different, he's grown up with different family values to you. He will continue to rely on you unless you break the pattern. Unfortunately I was too young and naive and no one to advise me. Please please, leave before you purchase your house. I could write a book detailing my experiences, that man was a nightmare. I'm now happily married now for 10 years and my kids are now 19 and 20 and doing really well for themselves. There's light at the end of the tunnel