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Stay at home parent looking forward to retirement

1000 replies

Equalitystreets · 03/05/2025 23:19

One partner is and has always been the sole breadwinner.

Other is a stay at home parent who as the children have gotten older has gradually had more free time during the day.

They always share the household chores equally.

When the children go to University, the stay at home parent has said they will be retiring and ‘they can’t wait’.

The partner with the job has at least another 15 years of work to do (and all their retirement funding will come from this partner’s investments, or investments set up in the stay at home parent’s name that were set up and funded by the working partner).

Is the stay at home partner being reasonable to declare their job is completed when the children are 18, even if the other partner has another 15 years of work to do?

OP posts:
CautiousLurker01 · 04/05/2025 18:33

Perhaps @Equalitystreets should float the idea that he fancies retiring now too, or at least beginning to ease into it. Perhaps he could reduce his days to 3x a week, to enjoy some of her retirement time, but it may mean downsizing to go mortgage free and probably forgoing holidays and other luxuries so that they can live on the lower income. But she won’t mind, will she? After all, she’s retired and won’t need an annual holiday and the kids can share a room in the new smaller place when they come home from college. The kids will be eligible for full student loans if both parents are not earning or going PT brings OPs income below the threshold that triggers an income assessment.

I wonder how she’d feel about that…

Feelingmuchbetter · 04/05/2025 18:34

Yellowpens · 04/05/2025 18:30

There are no set rules of who should do what in a relationship, only the rules and plans both parties set between themselves within the privacy of their relationship. If both parties planned their financial future that way the I don’t see what the problem is.

If one party has stayed at home to raise children and manage the household then they’ve sacrificed making any salary of their own during those years. That affects you as a person, regardless of the perceived easy life of a SAHP. (Easy SAHP life is utter bollocks btw). Do it for 18yrs first, 3-5 times over and see what you think then.

If my partner came to me after x amount of years wanting to change the plan, just as I was looking to get some time back to myself (and after having given the best years of my health and energy to raising children we BOTH made, running the house and his life admin with no pay) then I’d be telling him to go find a divorce solicitor. I’d do better getting divorced and not living with that resentment in my relationship. I just couldn’t be arsed with that crap at that point in my life.

Remember, being a SAHP is an unpaid, 24x7 job which can suck the life out of you after 18-21yrs. There is not a part of you that is not utilised in that role, it fully encompasses body, soul and mind.

Employment is NOT the same at all, mainly because you get paid for your time and can clock off. There is no career path or succession as a SAHP. You’d have to start again and believe me, it’s bloody hard to try and start again after raising kids. Why anybody would insist on putting someone else through ghat is beyond me.

But, keep flogging that SAHP, eh?!

Brilliantly put 💪🏻

Whatsgoingonherethenagain · 04/05/2025 18:34

If my partner came to me after x amount of years wanting to change the plan, just as I was looking to get some time back to myself (and after having given the best years of my health and energy to raising children we BOTH made, running the house and his life admin with no pay) then I’d be telling him to go find a divorce solicitor. I’d do better getting divorced and not living with that resentment in my relationship. I just couldn’t be arsed with that crap at that point in my life

how would you do better divorced? Where’s your income coming from?

Macaroni46 · 04/05/2025 18:34

Yellowpens · 04/05/2025 18:30

There are no set rules of who should do what in a relationship, only the rules and plans both parties set between themselves within the privacy of their relationship. If both parties planned their financial future that way the I don’t see what the problem is.

If one party has stayed at home to raise children and manage the household then they’ve sacrificed making any salary of their own during those years. That affects you as a person, regardless of the perceived easy life of a SAHP. (Easy SAHP life is utter bollocks btw). Do it for 18yrs first, 3-5 times over and see what you think then.

If my partner came to me after x amount of years wanting to change the plan, just as I was looking to get some time back to myself (and after having given the best years of my health and energy to raising children we BOTH made, running the house and his life admin with no pay) then I’d be telling him to go find a divorce solicitor. I’d do better getting divorced and not living with that resentment in my relationship. I just couldn’t be arsed with that crap at that point in my life.

Remember, being a SAHP is an unpaid, 24x7 job which can suck the life out of you after 18-21yrs. There is not a part of you that is not utilised in that role, it fully encompasses body, soul and mind.

Employment is NOT the same at all, mainly because you get paid for your time and can clock off. There is no career path or succession as a SAHP. You’d have to start again and believe me, it’s bloody hard to try and start again after raising kids. Why anybody would insist on putting someone else through ghat is beyond me.

But, keep flogging that SAHP, eh?!

Oh give over, is it a 24/7 job. Once the DC are at school, it’s a part time job at best. And once kids are at uni, there is no job at all.
Also easy to dismiss the toll it takes on a person working out of the home. Long hours, stress, not always possible to mentally clock off at the end of the day.
The SAHP is taking the piss. Especially if the working partner is doing half the chores? Why?

Macaroni46 · 04/05/2025 18:35

Whatsgoingonherethenagain · 04/05/2025 18:34

If my partner came to me after x amount of years wanting to change the plan, just as I was looking to get some time back to myself (and after having given the best years of my health and energy to raising children we BOTH made, running the house and his life admin with no pay) then I’d be telling him to go find a divorce solicitor. I’d do better getting divorced and not living with that resentment in my relationship. I just couldn’t be arsed with that crap at that point in my life

how would you do better divorced? Where’s your income coming from?

Monthly alimony no doubt! Plus half the ex’s pension.

turningpoints · 04/05/2025 18:36

We had our first DC when I was 31. For the second one I was 33 and the third I was 36. Literally, it never occurred to either of us to put them in any form of childcare. We never even had that conversation once. DH had left a banking career to set up a business, so the next 15 years or so he did that. No way was I paying anyone to be with my kids when I can do it better myself. That was a non-negotiable for me. Everything was always shared, finance-wise anyway, and the fact is, while I was quite well paid in my 20s, there were never opportunities for banker-type bonuses. It's just a different world. Nor was I ever going to build a multi-billion business, it was just not going to happen. So there was no point me working anyway, relative to him, because the extra money would have been negligible and for us, definitely not worth the negative impact on the kids. In a different marriage or financial circumstances I might very well have returned to work, but I was not in that type of marriage or so I did not. No regrets and U feel privileged overall.

He used to travel a lot and he never had to curtail anything because I was always there, doing what I wanted to do anyway. Yes it benefitted him, but obviously that meant it benefitted us all. Being a SAHM was hard work in some ways, but freedom in others. Whatever it was, I was doing what I believed was best for the kids and I didn't care about anything else. It's fine having different focuses in a marriage as long as you respect each other. I was never in any form of housework or ' who earns what' competition with my own husband!

This was from 2004, and at that time, we lived in a part of London called Barnes which was literally SAHM-central (probably still is). Pram jam in the streets. Housework was not a drama because SAHM or not, everyone had cleaners. Everyone thought I was highly unreasonable for not having a nanny or au-pair - "You mean, you don't have any help?!" That is what people said and they were quite aghast. Nobody once, ever asked when au was going back to work. Nobody assumed anything about anyone. The years when the kids were little were full-on but amazing.

Over the years, it's was never about 'who makes the money' because, for instance, when we bought houses, I was the one who found the right properties, supervised renovations, etc, and we made more money on various properties than I could ever have earned in a day job. He wouldn't have had time to take advantage of the property market or get into any of that. Also, he invests in a lot of things but we discuss it and the idea was always to create passive income, never be tied to salary. Now I'm 52, he's 55. He only works if and when he wants to, he's on the board of a few companies, but only because it interests him. We have one still at home (6th form age), one at LSE but living at home and one about to finish at Oxford but will be living at home again to do an MSc at Imperial. So the house is basically still full and when they're all gone, we will only be in U.K. part-time. DH has never once mentioned me working. I don't think it ever entered his head because he sees the wider picture and that we both brought different things to the family. Yes, he could have done his business alone, but not with a family life - unless he'd been happy to have nannies bringing up his kids (while he was abroad at the drop of a hat or working all hours as he did in the early years), in which case, what's the point? Now he has his hobbies snd I have mine and the idea is to make life easier in our 50s, not be in a competition with each other about who does what!

TheHerboriste · 04/05/2025 18:39

Macaroni46 · 04/05/2025 18:35

Monthly alimony no doubt! Plus half the ex’s pension.

Alimony doesn’t happen very often anymore, especially when the “children” are adults.

Macaroni46 · 04/05/2025 18:39

reesespieces123 · 04/05/2025 18:24

Yes it is. The working partner hasn't had to consider the kids and presumably not do the cooking, cleaning etc. That's massive. Even now the kids are older I could earn 50% more if they weren't around.

The OP states that they shared household chores equally. So the SAHP has had an easy ride. Once children are at school there is no excuse for the SAHP not to pick up the majority of the home chores, if not all of them. Otherwise what on earth are they doing all day??

IHaveAlwaysLivedintheCastle · 04/05/2025 18:39

Remember, being a SAHP is an unpaid, 24x7 job which can suck the life out of you after 18-21yrs.

Oh come off it. It isn't 24×7 and it isn't unpaid. Presumably the SAHP is getting half their mortgage/ rent, bills, food and holidays paid, their mobile phone, clothes, personal spending money

Whatsgoingonherethenagain · 04/05/2025 18:40

Macaroni46 · 04/05/2025 18:35

Monthly alimony no doubt! Plus half the ex’s pension.

Unless the ex is a very high earner spousal support is not a thing in the UK. She’s young enough to work and support herself. She may get a couple of years to ease the transition at most. But she won’t be getting any more money from him.

half his pension will not support her for the next 40/50 years. If she can even draw it before she’s pension age.

she’ll also have to find herself accommodation with half the money from the house. Again if it’s an average house with an average mortgage she may struggle to fund a new place without a mortgage. If she can get one with no job, then how does she repay it?

Macaroni46 · 04/05/2025 18:40

Lockdownsceptic · 04/05/2025 18:17

No it isn’t impossible that she can find a job. The point is she has probably missed her chance of getting a well paid career that will in any way match what her husband has brought in in the past. In other words they will never be equal. They both seemed to agree to this inequality until the op realised it wasn’t him that came out on top.

But she can still get a job?

MissScarletInTheBallroom · 04/05/2025 18:41

IHaveAlwaysLivedintheCastle · 04/05/2025 18:39

Remember, being a SAHP is an unpaid, 24x7 job which can suck the life out of you after 18-21yrs.

Oh come off it. It isn't 24×7 and it isn't unpaid. Presumably the SAHP is getting half their mortgage/ rent, bills, food and holidays paid, their mobile phone, clothes, personal spending money

Edited

Who on earth is looking after an 18 year old 24/7?

Assuming the 18 year old isn't severely handicapped and requiring round the clock care.

TheHerboriste · 04/05/2025 18:41

CautiousLurker01 · 04/05/2025 18:33

Perhaps @Equalitystreets should float the idea that he fancies retiring now too, or at least beginning to ease into it. Perhaps he could reduce his days to 3x a week, to enjoy some of her retirement time, but it may mean downsizing to go mortgage free and probably forgoing holidays and other luxuries so that they can live on the lower income. But she won’t mind, will she? After all, she’s retired and won’t need an annual holiday and the kids can share a room in the new smaller place when they come home from college. The kids will be eligible for full student loans if both parents are not earning or going PT brings OPs income below the threshold that triggers an income assessment.

I wonder how she’d feel about that…

In OP’s shoes the household would be on a strict budget effective immediately. No meatt, smartphones, internet, salon appointments, clothing purchases, second car, etc.

SouthLondonMum22 · 04/05/2025 18:41

Macaroni46 · 04/05/2025 18:35

Monthly alimony no doubt! Plus half the ex’s pension.

They are going to be left very disappointed if they think they are going to get monthly alimony with adult children.

CautiousLurker01 · 04/05/2025 18:41

Macaroni46 · 04/05/2025 18:34

Oh give over, is it a 24/7 job. Once the DC are at school, it’s a part time job at best. And once kids are at uni, there is no job at all.
Also easy to dismiss the toll it takes on a person working out of the home. Long hours, stress, not always possible to mentally clock off at the end of the day.
The SAHP is taking the piss. Especially if the working partner is doing half the chores? Why?

Agree - I don’t know anyone who was a SAHM after the kids were in Junior school full time. Everyone went back to work at least PT, started businesses, retrained/went back to uni. I genuinely do not know anyone who was a SAHM to teens.

I am inferring that OP’s wife chose to be a SAHM for the whole period, rather than start retraining or return to work. I suspect that, on some level, this rankled a bit but OP thought that at least once the kids headed off to college she would rethink this. I suspect his resentment may have been simmering below the surface, perhaps annoyance at himself for not insisting that she consider a way back into work years ago, for not having that conversation.

I think it’s right that he should be thinking at 50, that she could still get a job - the local hospital and doctors surgeries and schools etc are full of 45+yo returners to work, doing admin etc. she could get a job if she wanted to.

Macaroni46 · 04/05/2025 18:43

Feelingmuchbetter · 04/05/2025 18:01

Nope. Marriage doesn’t work that way she isn’t a slave.

And he isn’t a cash cow.

TheHerboriste · 04/05/2025 18:44

IHaveAlwaysLivedintheCastle · 04/05/2025 18:39

Remember, being a SAHP is an unpaid, 24x7 job which can suck the life out of you after 18-21yrs.

Oh come off it. It isn't 24×7 and it isn't unpaid. Presumably the SAHP is getting half their mortgage/ rent, bills, food and holidays paid, their mobile phone, clothes, personal spending money

Edited

The SAHP is getting all of their life needs in exchange for chores. That is FAR from unpaid, as many have found once they actually need to support themselves without the breadwinner’s income.

OP, I’d list for her/him everything you’ve provided all these years, and the cost.

NamechangeJunebaby · 04/05/2025 18:45

CautiousLurker01 · 04/05/2025 18:33

Perhaps @Equalitystreets should float the idea that he fancies retiring now too, or at least beginning to ease into it. Perhaps he could reduce his days to 3x a week, to enjoy some of her retirement time, but it may mean downsizing to go mortgage free and probably forgoing holidays and other luxuries so that they can live on the lower income. But she won’t mind, will she? After all, she’s retired and won’t need an annual holiday and the kids can share a room in the new smaller place when they come home from college. The kids will be eligible for full student loans if both parents are not earning or going PT brings OPs income below the threshold that triggers an income assessment.

I wonder how she’d feel about that…

This! 100% - best idea!

Whatsgoingonherethenagain · 04/05/2025 18:46

turningpoints · 04/05/2025 18:36

We had our first DC when I was 31. For the second one I was 33 and the third I was 36. Literally, it never occurred to either of us to put them in any form of childcare. We never even had that conversation once. DH had left a banking career to set up a business, so the next 15 years or so he did that. No way was I paying anyone to be with my kids when I can do it better myself. That was a non-negotiable for me. Everything was always shared, finance-wise anyway, and the fact is, while I was quite well paid in my 20s, there were never opportunities for banker-type bonuses. It's just a different world. Nor was I ever going to build a multi-billion business, it was just not going to happen. So there was no point me working anyway, relative to him, because the extra money would have been negligible and for us, definitely not worth the negative impact on the kids. In a different marriage or financial circumstances I might very well have returned to work, but I was not in that type of marriage or so I did not. No regrets and U feel privileged overall.

He used to travel a lot and he never had to curtail anything because I was always there, doing what I wanted to do anyway. Yes it benefitted him, but obviously that meant it benefitted us all. Being a SAHM was hard work in some ways, but freedom in others. Whatever it was, I was doing what I believed was best for the kids and I didn't care about anything else. It's fine having different focuses in a marriage as long as you respect each other. I was never in any form of housework or ' who earns what' competition with my own husband!

This was from 2004, and at that time, we lived in a part of London called Barnes which was literally SAHM-central (probably still is). Pram jam in the streets. Housework was not a drama because SAHM or not, everyone had cleaners. Everyone thought I was highly unreasonable for not having a nanny or au-pair - "You mean, you don't have any help?!" That is what people said and they were quite aghast. Nobody once, ever asked when au was going back to work. Nobody assumed anything about anyone. The years when the kids were little were full-on but amazing.

Over the years, it's was never about 'who makes the money' because, for instance, when we bought houses, I was the one who found the right properties, supervised renovations, etc, and we made more money on various properties than I could ever have earned in a day job. He wouldn't have had time to take advantage of the property market or get into any of that. Also, he invests in a lot of things but we discuss it and the idea was always to create passive income, never be tied to salary. Now I'm 52, he's 55. He only works if and when he wants to, he's on the board of a few companies, but only because it interests him. We have one still at home (6th form age), one at LSE but living at home and one about to finish at Oxford but will be living at home again to do an MSc at Imperial. So the house is basically still full and when they're all gone, we will only be in U.K. part-time. DH has never once mentioned me working. I don't think it ever entered his head because he sees the wider picture and that we both brought different things to the family. Yes, he could have done his business alone, but not with a family life - unless he'd been happy to have nannies bringing up his kids (while he was abroad at the drop of a hat or working all hours as he did in the early years), in which case, what's the point? Now he has his hobbies snd I have mine and the idea is to make life easier in our 50s, not be in a competition with each other about who does what!

That works for you though as you are financially able to both kick back in your 50’s.
if o/p was able to retire at the same time as their partner then the comment ms would be much different.

if your dh hadn’t earned what he does, would you make him work full time until 67 just so you could have an easier life?

if getting a minimum wage job for 10 years meant you both retiring at 60, why wouldn’t you?

Macaroni46 · 04/05/2025 18:46

SouthLondonMum22 · 04/05/2025 18:41

They are going to be left very disappointed if they think they are going to get monthly alimony with adult children.

You’d be surprised. My DP has to pay his ExW monthly alimony as she was a SAHM for 18 years and despite her now having a part time job, she won the case based on his earning potential being far higher than his. Funny how she chose to take a part time minimum wage job 🤔

Jumpers4goalposts · 04/05/2025 18:46

To be honest SAHP’ing is done once the DC’s are well into primary school and they need to think about what’s next/work part-time/retrain etc. SAHP in your situation is taking the mic.

Singaporeannoodle · 04/05/2025 18:48

carly2803 · 04/05/2025 18:33

she needs to get a job!

you do not retire from being a stay at home parent - and why do you do any chores?! she has no kids to look after, literally just the house to sort and errands
she is lazy

and i would be saying this if it was the other way around!!

Well clearly she's a lady of leisure and enjoys being one.

I'll be honest many of the burnt out would probably hang me if they had the chance ive never worked a full-time job in my life. Done a few years with welfare paying my rent now the husband pays the mortgage. I understand why they resent their tax money funding my leisure time but what my husband chooses to fund is none of their business. And when I see them breaking down from their 60 hour work weeks and never getting to see Thier kids well I do pity that and see why resent ladies of leisure

SouthLondonMum22 · 04/05/2025 18:49

Macaroni46 · 04/05/2025 18:46

You’d be surprised. My DP has to pay his ExW monthly alimony as she was a SAHM for 18 years and despite her now having a part time job, she won the case based on his earning potential being far higher than his. Funny how she chose to take a part time minimum wage job 🤔

I think it is less and less likely to happen now. I'm assuming it wasn't a recent thing?

Livpool · 04/05/2025 18:49

What are they retiring from?! I wouldn’t call someone a SAHP if the children are older than about 7. You are then a housewife or house husband. SAHP sounds lazy

Macaroni46 · 04/05/2025 18:50

Singaporeannoodle · 04/05/2025 18:48

Well clearly she's a lady of leisure and enjoys being one.

I'll be honest many of the burnt out would probably hang me if they had the chance ive never worked a full-time job in my life. Done a few years with welfare paying my rent now the husband pays the mortgage. I understand why they resent their tax money funding my leisure time but what my husband chooses to fund is none of their business. And when I see them breaking down from their 60 hour work weeks and never getting to see Thier kids well I do pity that and see why resent ladies of leisure

What would you do if your DH asked you to contribute financially? Would you get a job?

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