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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

DH surprising me with possible (very) early retirement

409 replies

Aggyagro · 11/11/2025 18:15

Ok so I know this is his decision, but it will definitely affect us both. We are both early fifties and I am in the situation where due to taking time out of pension contributions and doing freelance work when the 3 DCs were young I know I’ll need to work to retirement age.
We go halves on bills, he is the bigger wage earner and I pay the mortgage whereas he does loads of other things. All ok. But now he has started saying that with the DCs all moved out and nearly independent he’ll be looking to take early retirement in the next few years. He’s been paying into his pension and doing all the sums. He says it will mean a sacrifice but it’s ‘doable’. It just means that we will have to do fewer things like takeaways and cut back a bit. Call me mad but I’m struggling to see the advantage to this. When I ask what he plans to do with his time he says ‘nothing,’ with a grin…
Then he says maybe travel more, but then I point out that I’ll still be working and that we’ll have less money, which doesn’t seem to work logically. I can see a few problems ahead, or am I just being selfish?

OP posts:
Aggyagro · 11/11/2025 21:34

Yup it also feels unfair as I was always working, I never even got to be a SAHM, but because it was me that did the compromising I went freelance, lost pension benefits and now I’m here…..

OP posts:
FinancesSorted · 11/11/2025 21:34

Will he have sufficient contributions to obtain a full state pension when the time comes? (Assuming state pension is still a thing by then)

When will the mortgage be paid off?

Does he have a load of investments including ISAs to fund this early retirement or is he taking a big hit against his pension? I thought early pension pays were linked to state pension age minus 10 years, it is going up to 57 in 2028. The current NMPA is 55.

Not sure if @Aggyagro DH has properly thought it through. I don’t think it is selfish to want to retire early if you can and that was the aim of the FIRE idea.

I thought about it from early 50s but continued until 62. It means that we have been able to support our two adult children with house deposits without dipping into investments.

Merrywidow123 · 11/11/2025 21:36

Check your name is on the deeds of the house. Check the mortgage is in joint names. When is the mortgage paid off, usually 25 years. When this is paid off retirement is more doable. You paying the mortgage means nothing, check with a solicitor if you are not sure. I would be concerned about him doing nothing in retirement. Takeaways, extras are side issues. Open a savings account with a building society and try and save money, however little, make it in your name. Say to him don't do early retirement, there is no rush and that you can both keep the situation under review. Don't believe any 'trust me' comments from him. Last but not least you are not selfish.

MrsTerryPratchett · 11/11/2025 21:36

Aggyagro · 11/11/2025 21:34

Yup it also feels unfair as I was always working, I never even got to be a SAHM, but because it was me that did the compromising I went freelance, lost pension benefits and now I’m here…..

Then before he retires, he balances the pensions.

Or he won’t, and you can’t make of that what you will. Divorce, possibly. Because what he’s doing isn’t a marriage.

Holymolyguacamoledipsandchips · 11/11/2025 21:36

Divorce him and have half his pension….

Beeloux · 11/11/2025 21:36

Crazybigtoe · 11/11/2025 21:28

You are missing the point.

Work can be a chore too. The droning monotony, the stress, missing out on small and big moments with the kids, and having to do it for ever and ever until you retire- because a decision made when your kids are in the womb, has somehow resulted in you being catapulted into cyclone which means that you are better paid and so you have to keep at that pace, on that trajectory as everyone is relying on it. You don't get to 'experiment' or do something you love on a whim as that's too risky when everything relies on you. There is no 'back up'. No part time working.

Not every job is nourishment for the soul. Or remotely fulfilling. It can mostly be an absolute slog - thick with false friendships and politics laced with acid.

And yes. You are right. There is nothing remotely fair about it.

Alignment on goals and communication is key. One role isn't inherently more hard done by.

Edited

It’s a mans job to provide for his family. Any ‘man’ saying any different isn't a man in my eyes.

FeministThrowingAPrincessParty · 11/11/2025 21:37

You have both been working since you got married and started a family. Both in and out of the home. When you had more time at home, it was to look after small children, which is exhausting. It’s unfair for him to retire before you. How can he be happy watching you go out to work every day while he does nothing? Why don’t you both work part time? Or he work part time? Do you want to live a more frugal life? I wouldn’t!

Frenchfrychic · 11/11/2025 21:37

Beeloux · 11/11/2025 21:36

It’s a mans job to provide for his family. Any ‘man’ saying any different isn't a man in my eyes.

The 1950s called, they are wondering where you are.

its 2025. It’s both our job to provide.

Aggyagro · 11/11/2025 21:39

FeministThrowingAPrincessParty · 11/11/2025 21:37

You have both been working since you got married and started a family. Both in and out of the home. When you had more time at home, it was to look after small children, which is exhausting. It’s unfair for him to retire before you. How can he be happy watching you go out to work every day while he does nothing? Why don’t you both work part time? Or he work part time? Do you want to live a more frugal life? I wouldn’t!

Yes this is it - I don’t want to live a more frugal life now - I was literally just getting to the stage of being able to pay some extra to my own pension and enjoying having some time and resources that weren’t all going on the house and kids!!!!

OP posts:
MrsTerryPratchett · 11/11/2025 21:39

Frenchfrychic · 11/11/2025 21:37

The 1950s called, they are wondering where you are.

its 2025. It’s both our job to provide.

There’s been a weird influx of trad wives recently. Safest to back away slowly.

Zov · 11/11/2025 21:39

kiwiane · 11/11/2025 18:43

I’d tell him you’ll be splitting the mortgage if he retires so he’s not going to have much money to travel.

Yeah, fuck this for a game of soldiers. When my DH and I were in our late 40s, he was in a job that he hated. It was fairly cushy, but boring, and he didn't like his boss. He worked 32 hours a week (4 days a week) and he wanted to drop to 16 hours - 2 days a week. At just 48 years old. I did 3 days (24 hours) and he said 'it's all right for you, you only work 24 hours and you have a good employer/get paid if you're off sick/have flexi-time etc.' He went on and on about dropping to 16 hours, and giving a colleague his hours, and getting a new employment contract.

I stuck his whingeing for about 3-4 months and kept saying 'we can't afford for you to drop your hours.' My job was 8 hours a week less than his, but I got paid more... AND I did everything in the house.. One day he said 'I'm speaking to Carol, the Manager tomorrow about reducing my hours to 16 a week.' I said 'you've got to be fucking kidding me!' He was like 'no.'

We were struggling financially as it was at the time - just over a decade ago - and dropping 50% of his hours, meant his pay would drop 50% too. I explained this, and he said 'well, let's apply for benefits, or tax credits to top up the household income.' We had no kids at home by then (they'd already left home) so we would have had almost zero finanical help.

I did pretty much everything in the house. Washing, cooking, housework, shopping, all the life admin, and even the gardening. He did about 5-10% of things.

And I KNOW if he dropped to 16 hours a week/2 days, I would STILL be doing everything. Even if he gave up work altogether, I would still be doing everything, because he is bone idle. I have probably made a rod for my own back by always doing pretty much everything, but still, he never really offered to do much. The odd blue job/DIY now and again, but no 'regular' housework.

I told him in no uncertain terms that if he drops his hours, the marriage is over. He was like Shock I said, 'I have said over and over that we can't afford for you to drop your hours by 50%, and it will affect my quality of life too. Yet here you are, off to talk to 'Carol' about doing just that. This is something that BOTH of us have to agree to, and I don't agree with it.' He had no health issues or anything, he just didn't like this job, and he couldn't be arsed to try and find another job, and wanted to drop his hours right down.

I wanted to give up work and be a stay at home mum too, (like you @Aggyagro ) when our DC were both babies/toddlers, (just for about 5-6 years,) and he flat out refused to let me, and said 'we need your income too. You are NOT giving up work.' So I had to go back to a job I didn't like at the time, for 28 hours a week (3 days one week/4 the next) because he 'wouldn't let me' stay at home. We still had to pay a childminder so weren't much better off with me working, it's just that he didn't want me not working, when HE had to. Even though I did 90% of everything!

I reminded him of this, and thought like fuck are you doing this now, when I couldn't stay at home full time with our children for 5-6 years 'because we couldn't afford it.' He begrudgingly carried on doing the 32 hours a week. He has tried to reduce his hours again recently, to much less (he is close to 60,) but they won't let him. Good. Because all he would do is spend more time sitting in front of the bloody telly!

I would be divorcing your husband and taking half his pension (as some posters have suggested @Aggyagro ) He sounds like an utter arse.

I can take a lot of shit from men,(I have a thick skin!) but I cannot be doing with a refusal to go out work. I could never EVER be with a man who won't work. Problem is, whilst women who stay at home/don't work/work very little, do everything (wifework/life admin/domestic chores/housework etc,) men who work bery little or just stay at home, generally tend to not do very much, and lots of stuff is still done by the women!

Zov · 11/11/2025 21:40

Not sure why I quoted @kiwiane sorry!

Studyunder · 11/11/2025 21:41

LoveSandbanks · 11/11/2025 18:18

Why do you go halves on bills when he is the larger wage earner and your salary and pension has been cut due to taking time out to take care of both of your children?

Your work is directly subsidising his early retirement!

This

SquishyGloopyBum · 11/11/2025 21:43

Start putting extra in your pension now. It’s a legitimate household expense. Don’t wait, just do it, then recalculate your expenses etc and input into the pot.

FinancesSorted · 11/11/2025 21:43

Aggyagro · 11/11/2025 21:39

Yes this is it - I don’t want to live a more frugal life now - I was literally just getting to the stage of being able to pay some extra to my own pension and enjoying having some time and resources that weren’t all going on the house and kids!!!!

Well in that case start maximising your pension contributions now. Don’t wait a month longer. If it means he has to start paying some of the mortgage so be it. Start now whilst he is still working

Beeloux · 11/11/2025 21:45

Frenchfrychic · 11/11/2025 21:37

The 1950s called, they are wondering where you are.

its 2025. It’s both our job to provide.

While the majority of men with this mindset still expect the woman to take on 95% of the childcare and housework?

I will happily remain single than be with a ‘man’ with that mindset.

Studyunder · 11/11/2025 21:49

There’s no way you should sacrifice any of your pension payments. You’ve already suffered financially from the common sacrifices of motherhood. You’ve need to be maximising your financial security for your retirement NOW (just like your husband’s been doing all these years). You can tell him, he’s really inspired you to save as much as possible for yourself, so you can retire as early as possible. Also, start thinking aloud about how lovely it’ll be to have the cleaning and cooking all done by him while you’re at work.

FinancesSorted · 11/11/2025 21:53

My next door neighbour retired at 56 at the start of all the Covid shenanigans and has basically spent 5 years watching daytime tv. It’s all very sad 😔

Her husband still works and often stops to chat if I am gardening out the front. I feel I am providing some sort of support. Retirement takes planning and the best retirees have a structure plan but no point if you have to make cut backs from the start.

sothatsthat · 11/11/2025 22:00

See a lawyer, get your finances in order.

moose62 · 11/11/2025 22:03

If you DH can retire and can genuinely pay 50% of everything, including the mortgage, then that is his choice. You don't have to finance him at all...make sure you put extra money into your pension etc...and don't treat him to anything!

user836367392 · 11/11/2025 22:09

He's getting his ducks in a row - how about you?

MaurineWayBack · 11/11/2025 22:10

Aggyagro · 11/11/2025 21:39

Yes this is it - I don’t want to live a more frugal life now - I was literally just getting to the stage of being able to pay some extra to my own pension and enjoying having some time and resources that weren’t all going on the house and kids!!!!

That’s where you’re going wrong.
He had the opportunity to put more in his pension BECAUSE you were at home agd not paying for childcare.

You need to stop the 50/50 nonsense.
Your pension should be your priority now. What’s the max you can put to match his? Go for that. If there’s a shortfall, then he pays for the difference.
And his retirement dream? Well it has to take into account you paying the max in your pension. Otherwise YOU are putting yourself at risk.

Oh and yes, I’d take that as a good reason to look at your finances carefully. Who has what.
What happens if he dies very soon? (It might leave you in the shit)
What happens of you die very soon? (It might cause more problems than he thinks)
What happens if you divorce? You have to stop work tomorrow? Etc etc….

No5ChalksRoad · 11/11/2025 22:10

Holymolyguacamoledipsandchips · 11/11/2025 21:36

Divorce him and have half his pension….

This.

At least spend the money on a lawyer to find out what you would be entitled to. Ferret out all necessary documentation.

Then present him with the information.

I would not tolerate retirement until both are in a position to retire.

andweallsingalong · 11/11/2025 22:10

Would he be willing to subsidise you for a few years so you can pay a big chunk into you pension for a few years and then both retire or at least drop your hours substantially.

MaurineWayBack · 11/11/2025 22:11

Btw his answers about financial future and in particular your financial future will tell you a lot about how he sees your marriage and how ‘selfish’ he is in his approach too.