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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:
JHound · 06/10/2024 17:50

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

It’s not my “belief” that men are not toddlers. It’s a scientific fact.

But if you wish to continue to coddle a grown adult thus taking on more labour for yourself - that’s your choice.

Also how am I generalising when you are the one stating that “men are like toddlers”?!

MamasJustWinginIt · 06/10/2024 17:53

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

I have definitely asked for him to contribute more on several occasions, I even created a rota which he refused to commit to.

I was also very vocal and very clear about how I felt about him using the deposit for his business.

OP posts:
Meadowfinch · 06/10/2024 17:54

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.

This.

It sounds like you want different things from life. He has no ambition and just wants an easy life with you taking the place of his mum, managing the day to day. Seems totally self centred to me.

You have ambition and want to provide you and your dCS with a secure home and a future.

Talk to a solicitor.

Nogaxeh · 06/10/2024 18:00

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.

Yes. That's how it works. So he has been spending the family money on his business and this is why this whole practice of separate finances between married couples is such a delusion and storing up trouble for the future.

I'm gobsmacked that the OP had no idea, until recently, how much money he had saved for the house.

If the OP and her husband can not come up with a shared plan for their family finances, then I don't see an alternative to a split, and the OP can either lose half her savings to her DH, or more in a futile legal struggle.

MamasJustWinginIt · 06/10/2024 18:01

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.

Yes I am based in the UK but I use "school" as a catch all for any educational institution from nursery to university .

OP posts:
Blobblobblob · 06/10/2024 18:05

I think it's broken because once you've seen the utter selfishness and delusional behaviour with regards to his business, you can't unsee it.

He assumes that you and your family will bankroll him through life while he messes up, and you'll do all the domestic labour too.

The arrogance, stupidity and entitlement is beyond belief.

You do need proper legal advice before you kick his loser ass to the kerb, but I strongly advise you to do exactly that.

Love isn't a thing you say, it's a thing you do. He's treated you like absolute crap because you're just there to facilitate his life and grand plans.

He has not shown you love and you are right to react accordingly.

Livinghappy · 06/10/2024 18:07

His upbringing could be a contributory factor to his attitude towards money, his parents rented and currently you are "renting" so he doesn't seem motivated to buy a house.

However finances and financial goals are a area for conflict so couples should be on the same page and usually that becomes apparent after children, hence your position now. To me this seems like incompatibility..he is happy to drift along enjoying studying and hobbies whereas you want to build for the future.

If you separated I wonder how motivated he would become..so you think he would step up to provide for himself?

However the lack of contributing to household is unforgivable. He must know you are under pressure so can he really care for you?

I do think it's wise to consider drawing a line in the sand with his contributions or separating because you will read posts here from women who have carried their husbands financially and after 25 years swan off with younger woman taking half of the assets.

Does he show that he care for you? If so how?

LetsSeeHowFarWeveCome · 06/10/2024 18:10

MamasJustWinginIt · 06/10/2024 15:46

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

They will appreciate knowing and supporting your departure before he acquires any entitlement to their money via inheritance, gifts, etc

Toopies · 06/10/2024 18:12

Honestly OP, tell your parents so they czn help you.
You need protection from him.
He thinks you are his gravy train for life.
I think you were targeted.
He really doesn't care at all.

Geppili · 06/10/2024 18:16

He is a cocklodger and on the gravy train. Get support from your parents, see a solicitor and get him out of your life. What kind of business has he put the money into? What did he spend it on? I would not believe a word he says.

GivingitToGod · 06/10/2024 18:22

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.

Brilliant, objective advice.
I think OP and husband need to have an honest, open discussion to allow marriage a chance

StormingNorman · 06/10/2024 18:27

He’s had a free ride from you and your parents. Understandably you have no respect for him now.

You are not being at all unreasonable but you will need to be careful how get out of this with alll your money.

CBStrike · 06/10/2024 18:29

Stay married, buy a house but ring fence your deposit then if no improvement divorce him. Would that work?

stayathomer · 06/10/2024 18:36

You both sound like opposites tbh, and you sound like my dh, who I always say grew up, but I didn’t. I’m not organised, I go for jobs I can do as opposed to climbing the ladder, I get excited about the books I write, that make little or no money. I miss him cheering me on and saying’maybe someday’. Now he looks like I exhaust him as he diplomatically asks is there any chance of this one making money. It’s so sad, my heart is broken. No doubt we’ll break up soon (he told me this year he’s not sure he sees a future after 20 years together but he’s not sure if it’s him or us or me) and he’ll find someone‘suitable’, but we were a team, and it’s awful that in the end money does that.

User364837 · 06/10/2024 18:41

biglipslittlehips · 06/10/2024 17:45

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' ?

I’m not legally trained but if he had invested their money in his business or another investment and it was worth something still, then she would be entitled to a share of that.
so if she invested in something and the money was genuinely lost then that would be that, but if she bought shares in a friends business then the value of those shares would be in the marital pot.

caringcarer · 06/10/2024 18:53

He will go for half of your savings and pension. I think might buy myself something really expensive I could sell to recoup some of the money later. Does he know how much you have in savings? If he knows it will be harder. You need to think what he would want to do about DC. Once you've thought it all through get the best solicitor you can afford.

caringcarer · 06/10/2024 18:55

If he gets half of your money insist you get half of value of any equipment held in his business if it isn't a ltd company.

Ivehearditbothways · 06/10/2024 19:23

MamasJustWinginIt · 06/10/2024 17:53

I have definitely asked for him to contribute more on several occasions, I even created a rota which he refused to commit to.

I was also very vocal and very clear about how I felt about him using the deposit for his business.

And what did he say? What’s he said for himself after spending all the deposit money? What’s his plan?

savethatkitty · 06/10/2024 19:45

I'm with you OP. I feel like he has taken the piss a bit.

If you have the means to purchase a house on your own, then I would definitely leave. He's had YEARS to get ahead and he hasn't really even tried.

Quitelikeit · 06/10/2024 20:35

Good luck op!!

You have given him plenty opportunities to stand up and be counted whereas it seems he has took you for granted.

It won’t be easy and definitely pay careful attention to what everyone is saying about your savings.

Be patient and come up with a sensible plan that means he can’t get his hands on your pot

And also be certain that his pot truly is only 1k!

MamasJustWinginIt · 06/10/2024 22:49

stayathomer · 06/10/2024 18:36

You both sound like opposites tbh, and you sound like my dh, who I always say grew up, but I didn’t. I’m not organised, I go for jobs I can do as opposed to climbing the ladder, I get excited about the books I write, that make little or no money. I miss him cheering me on and saying’maybe someday’. Now he looks like I exhaust him as he diplomatically asks is there any chance of this one making money. It’s so sad, my heart is broken. No doubt we’ll break up soon (he told me this year he’s not sure he sees a future after 20 years together but he’s not sure if it’s him or us or me) and he’ll find someone‘suitable’, but we were a team, and it’s awful that in the end money does that.

Interesting perspective and yes this all sounds very familiar but now I'm certain it's deeper than just money. It's more about pursuing a love by any means verses being responsible and considerate and contributing equally to the family unit. Some people can do both, but if you cannot then the right thing to do is choose the family unit.

OP posts:
MamasJustWinginIt · 06/10/2024 22:57

Ivehearditbothways · 06/10/2024 19:23

And what did he say? What’s he said for himself after spending all the deposit money? What’s his plan?

Nothing worthwhile. He said he had to do it in order to save the business. (It makes revenue but has not turned a profit he puts in a lot more than he makes). He says he sisnt say anything as he knew i wouldn't approve but he will have the deposit money by April ( I doubt this).

He senses that I am done and has since been pulling his weight around the house but it is all too little to late for me.

Thanks everyone for all your input and advice. I have a lot to think about. I will seek legal advice ASAP and also talk to my parents.

OP posts:
Toopies · 07/10/2024 08:43

Of course he is pulling up his socks finally, now that he senses you have the ICK and may be looking at an exit strategy.

All that tells you is ...

  1. He knows full well that he is a lazy git.
  1. He really doesn't want to lose the meal ticket you and your family have been for a decade+.
  1. He doesn't give a damn about you, his children, never has, and has left you carry the full load because he thinks you are a mug that will and has tolerated his bullshit for years.

Tell your parents, get good legal advice asap.

PolaroidPrincess · 07/10/2024 08:44

Toopies · 07/10/2024 08:43

Of course he is pulling up his socks finally, now that he senses you have the ICK and may be looking at an exit strategy.

All that tells you is ...

  1. He knows full well that he is a lazy git.
  1. He really doesn't want to lose the meal ticket you and your family have been for a decade+.
  1. He doesn't give a damn about you, his children, never has, and has left you carry the full load because he thinks you are a mug that will and has tolerated his bullshit for years.

Tell your parents, get good legal advice asap.

Exactly this ^

QueenBitch666 · 07/10/2024 15:26

He's a lazy, freeloading cocklodger who you've been enabling. He'll be entitled to half your assets. Get a good solicitor and get rid of the useless lump

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