Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

How to leave without being financially ruined

152 replies

NeedHandHoldThroughThis · 04/01/2025 22:42

Apologies it’s very long.
Background I’m a people pleaser with no self esteem, been in dreadful relationships before including proper abusive ones. I’m working on it but only now well into my fifties I realise that it’s better to be alone than with someone who doesn’t meet my needs. Anyway.
We met almost 20 years ago, we feel in love hard, he’s sweet and kind and we had lots in common so I thought finally I found someone who’ll treat me well. He came immediately clean that he didn’t have any money. He’s an artist and wanted to live off his art. This works out sometimes financially but mostly it doesn’t. He also immediately made clear that he wanted to move in together quickly, which I stupidly agreed to. My job was reasonably well paid at the time, and I didn’t mind supporting him and his artistic ambitions. The unspoken assumption was that he didn’t need to do jobs that would make him miserable, but if it ever came to a point where it was necessary he would do it.
During the following two decades he did not earn a penny, not once not ever he paid for anything we did together, while I worked my arse off and bought us a flat, took us on holiday, bills, everything always exclusively paid by me. He used to spend his days working on his projects and dicking around online (say 30/70), plus looking after me (he does treat me like a queen) and the house. And smoking weed.
When my mother got diagnosed with cancer 5 years ago I finally agree to marry him because I knew it was very important for her. Another really stupid mistake that I kind of sleep walked into.
In regards to other ways to support the family, I don’t lift a finger in the house, he does everything from shopping to cooking to cleaning, to maintenance jobs and admin. His standards are not as high as mine would be if I was in change of the above but I’ll admit I’m a bit of a perfectionist and over achiever. He’s also wonderful and supportive and sweet and funny. All my and our friends love him, in spite of knowing of our financial arrangements. My family love him to bits but they don’t know about the financial stuff because I know if they did they’d tell me I’m crazy to keep such a lieabout around.
The sex was always disappointing, but I pretended for years until I could no longer pretend and we haven’t touched each other that way for at least 5 years now. He’s very upset by this but he respects me enough not to hassle me, however it’s a bit of an elephant in the room and I know a source of pain for him.
Recently it has become obvious that he’ll never make it as an artist. He hasn’t sold a painting for years and he no longer works, his time is spent 100% looking after me and the house, by which I mean doing as little as possible as he can get away with, and dicking around online and smoking weed.
I realise now that I’ve resented him for years, probably close to a decade and a half.
I hate that he’s content not pulling his weight financially, that he has no pride and no ambition, that every time I said “ok now it would be a good time for you to take up some paid work because we need more money” he found some reason why we didn’t really need the money, and he never did.
Thankfully we never had children, by choice.
My job no longer pays as well as it used to for various reasons and for health reasons I have no way to increase my earnings. Neither of us has a pension. I’s all downhill from here financially, but because we’re both only children and our parents are comfortable (not rich) we’re looking at inheriting say 300k+100k in the next say 10 years, and we don’t have a mortgage, he thinks we’re absolutely fine. I don’t feel we are at all, with the mounting cost of living and health care and what about when we need care and I no longer work!
I want to leave him, so so desperately.
But I’m worried because he’s a man in his 60s who hasn’t had a job in decades, he has no way to get a mortgage or to pay rent, nor to find a job.
The only asset we have is this tiny house which I paid for every penny of the mortgage myself, with a deposit that came from my grandparents’ inheritance (they adored me and they had very little but they wanted me to have it all so that I could have the secure home they never had).
It would break my heart if in the divorce he came after the house, but I don’t see what else he could do…
Will he be able to force me to sell it to give him half the money, after he’s never contributed to it by one penny??
I just would like him to move out, and to start my life over like a clean slate. Is that possible? Am I a monster for thinking this? I have tried so hard to accept this situation, or to change it: I offered to pay for any training for him to change career, to open a business, but no all he wants to sit at home and daydream.
I’m very fond of him, he’s a good person and a lovely man, but I’m sick of this life and I’m scared that he’ll become old and unwell and need me to be his carer and I would really hate that, and I would not be able to leave then and my life will be over. I need to find a way out while I still can walk out.
I would appreciate honest outside perspectives on what my prospects are.

OP posts:
username299 · 04/01/2025 22:48

As always your first step is to face the fact that this situation isn't going to change. The second step would be to get some legal advice regarding the house and other assets, if you have any.

You need to let him go. He's an adult and he can look after himself.

Gowlett · 04/01/2025 22:53

Smoking weed. That’s the problem.

WhistPie · 04/01/2025 23:10

You've had a relationship of 20 years, he's been your house husband for all that time. Sounds like a 50/50 split of assets to me, possibly more to him as he's older and doesn't have the potential to earn any more. Being brutal, who has the expectation of a higher inheritance?

GreyBlackBay · 04/01/2025 23:14

It does sound like there was plenty of opportunity to earn for him but he's basically taken on the classic housewife role and you allowed that so hes really entitled to half of everything.

Get rid now. Rebuild as needed.

gamerchick · 04/01/2025 23:18

I think you need to see a solicitor OP.

Maybe see what he's entitled to as a way to get rid of him. The price to pay. To free up your life to find a bit of happiness and not being saddled caring for him in his old age

He won't go easily. He was upfront about being a cocklodger from the off.

Michellesbackbrace · 05/01/2025 11:51

Not a solicitor but my understanding is that yes, he will be liable to half the house/savings. You would have to buy him out or sell and split the assets.

When I first start reading I was going to come on and say it sounds the same situation as my dh and I but with the roles reversed and that you are grossly unfair - but then I saw you have no children! I’ve been a sahm to 4 dcs so slightly different!

He’s a cocklodger of the finest order, except he isn’t even fulfilling that side of things. Im not surprised you’re massively resentful.

But you seem extremely unhappy. I guess if you really can’t afford to buy another house alone you would have to ask yourself if renting would be viable? At least you’d be free.

What he does once your divorced really isn’t your issue.

Miley1967 · 05/01/2025 11:56

You are both daft to think you can rely on inheritance to fund your future years Your parents money could be needed to fund care homes or care at home. i am in a friendship group of six of us. Three out of the six of us have been left with no inheritance or very little as it all went on care home fees.

unsync · 05/01/2025 12:28

Five years is not a long marriage. Divorce now will be cheapest option. The longer you wait, the more it will cost you. Get proper legal advice from a solicitor, they can tell you what your options are far better than a group of random strangers on the Internet.

2022NewTimes · 05/01/2025 13:39

unsync · 05/01/2025 12:28

Five years is not a long marriage. Divorce now will be cheapest option. The longer you wait, the more it will cost you. Get proper legal advice from a solicitor, they can tell you what your options are far better than a group of random strangers on the Internet.

@unsync . So as they met twenty years ago she will need to count the time from when they first moved in together....not just from when they got married

Pumpkinpie1 · 05/01/2025 13:45

Where is the inheritances coming from OP ? His side or yours ?

Aguinnessplease · 05/01/2025 13:47

Get out before the inheritance arrives, or he could have a go at claiming half that as well.

Allthegoodnamesarechosen · 05/01/2025 13:59

Well, it is illegal to use cannabis recreationally, so you could always shop him.

itsstillmehere · 05/01/2025 14:04

You have one life only and yours seems full of regret. Speak to a lawyer about what to expect re the division of the house. Get divorced before you get your inheritance and live at least a part of your life with joy.

NeedHandHoldThroughThis · 05/01/2025 14:06

Thanks everyone.
I know my inheritance will be around 300k (bar care costs). His is just a guesstimate.
I’m so so angry at myself for letting this happen. I wasn’t even deceived or coerced in any way. So stupid

OP posts:
Nollybolly6 · 05/01/2025 14:06

Allthegoodnamesarechosen · 05/01/2025 13:59

Well, it is illegal to use cannabis recreationally, so you could always shop him.

To who? The police don’t care able personal use cannabis. Just supply

Kitkat1523 · 05/01/2025 14:07

NeedHandHoldThroughThis · 05/01/2025 14:06

Thanks everyone.
I know my inheritance will be around 300k (bar care costs). His is just a guesstimate.
I’m so so angry at myself for letting this happen. I wasn’t even deceived or coerced in any way. So stupid

Care costs can wipe out that very quickly

Undisclosedlocation · 05/01/2025 14:08

NeedHandHoldThroughThis · 05/01/2025 14:06

Thanks everyone.
I know my inheritance will be around 300k (bar care costs). His is just a guesstimate.
I’m so so angry at myself for letting this happen. I wasn’t even deceived or coerced in any way. So stupid

So this is projected inheritance from family still currently alive? Divorce immediately if this is the case as you will successfully get to keep 100%

Hungrycaterpillarsmummy · 05/01/2025 14:09

I think the guy deserves something since he has taken care of you and the house etc for years. Albeit I wouldn't be happy either but he is entitled to it...

You are now entitled to rid yourself of this pathetic person and live some semblance of a happy life and he can't gain another 150k on top of what he's already gained from you.

Motheranddaughter · 05/01/2025 14:10

See a solicitor and get rid asap
You will have to pay him what is assessed by the court if you cannot agree
Maybe try putting a figure to him that would avoid legal costs ?
I know it must seem unfair to you ,and I have no respect for someone who can leech like this

Orangesinthebag · 05/01/2025 14:11

If he hasn't worked will he even be entitled to a state pension when the time comes?
How old are you both? And how old are the parents who you will potentially inherit from? Are they near enough geographically that you will be able to care for them?

BelgianBeers · 05/01/2025 14:12

Can you buy a flat with your half of the house value?

JimHalpertsWife · 05/01/2025 14:14

He brought no money into the marriage, chose not to work, and has not sacrificed his career or pension due to raising mutual children, so he won't get more than half of the current marital assets at best.

Divorce asap.

JimHalpertsWife · 05/01/2025 14:17

But I’m worried because he’s a man in his 60s who hasn’t had a job in decades, he has no way to get a mortgage or to pay rent, nor to find a job

This is not your problem to solve.

Google sunk costs fallacy. Half the equity in the house to write off this relationship and move on, saving the entire future I hesitance for yourself as a pension is worth it imo.

NeedHandHoldThroughThis · 05/01/2025 14:19

BelgianBeers · 05/01/2025 14:12

Can you buy a flat with your half of the house value?

No it won’t be enough :( I’ll have a mortgage again after I worked so hard to pay off the other one. At a time when the interest rates are much higher. What a nightmare

OP posts:
Miley1967 · 05/01/2025 14:21

Maybe he'll just have to buy a small property with his divorce money ( if he gets any), sign onto Universal credit like many men in their sixties do and look for a job as would be the expectation in return for his benefits.
When he reaches state pension age he is unlikely to receive full state pension as he's barely worked but likely to be topped up by pension credit.