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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:
NeedHandHoldThroughThis · 05/01/2025 19:13

ghostfacethriller · 05/01/2025 18:55

If you want to split, you want to split, but I think you're likely painting him as worse than he is. To paraphrase, you say he is a lovely guy who does everything in the house including all cooking, shopping, housework and house maintenance. That is quite a lot to take care of! It may not be an equal split workwise- but it's not like he's been sat around doing nothing at all for all those years.
I wouldn't worry too much about losing any money if you split though, if he's as popular and lovely as you say there'll probably be plenty of independently wealthy middle-aged woman keen to snap him up. I'd personally quite like a live-in charming and attentive arty guy, who gets on great with my friends and family, who I could go to cultural events with, and is happy to take care of all the shopping, cleaning and DIY!

The house is tiny and a bit grubby, and with no children and all the freedom I give him I’m pissed off he doesn’t put in more of an effort to keep it the way I like it (clean and tidy 90% of the time, without me having to nag him). Having said that, he really is amazing in so many ways and I adore him. If I was independently wealthy I wouldn’t be resentful, I’d get a cleaner and not rock the boat (I think). It’s the fact that the way we see money and financial security could not be more different and it stresses me out no end that we’re looking down the barrel of having to be very careful in old age because with him there’s never any perceived need to build a security net. “Things will take care of themselves” kind of attitude. It’s valid and legitimate but it doesn’t work for me, as hard as I tired to embrace it for the past 20 years. And if we’re married our financial lives are entangled, if I could disentangle myself financially I would love to still be in his life and the other way round. I love him, he’s great and smart and funny. And he adores me. It’s so sad.

OP posts:
Buzyizzy21 · 05/01/2025 19:18

Any inheritance isn’t taken into account in a divorce settlement.

Italiangreyhound · 05/01/2025 19:21

The smoking weed thing jumped out at me too. A big problem.

Also, if you have not had sex for 5 years you have not consummated your marriage and may be able to get it annulled.

Undisclosedlocation · 05/01/2025 19:25

And he adores me. It’s so sad.“

No he doesn’t. He has spent 20 years leaching off you, even once your health hampered your earning potential.
He's lazy, slovenly and prioritises smoking weed over paying his way. Those are NOT the actions of someone who cares.

BelgianBeers · 05/01/2025 20:02

Well if you adore him then practically you are wealthier together at this point. Two state pensions are better than one. It isn’t too late for him to work.

SprigatitoYouAndIKnow · 05/01/2025 20:40

If you bought the house before you married and it is entirely in your name, you may get to keep it. Please speak to a solicitor for some proper advice, this won't be covered in a free half hour.

Realistically, you won't get out without any finance hit, particularlyas you have a pension. But staying means you will continue to pay for everything he wants and needs for many years to come. It's short term pain for long term gain. Freedom from resentments is a wonderful thing.

Rainbow1901 · 05/01/2025 20:47

You need to make the break as soon as possible and be hard-hearted about it. What he does in the future is his problem not yours. You cannot guarantee that either of you will even receive any inheritance so neither of you should bank on getting one.
You need to focus on your wants and needs and leave him to sort himself out. His smoking weed for so long with no intentions of reducing or giving up seems to me to be exceedingly selfish. He obviously has an addiction and this in turn will have had immediate and long term effects on his health and quite possibly his ability to work both in the past and the future. Plus does your house not stink and reek of weed? Plus affecting you? I can smell weed when neighbours have indulged and get whiffs of it on people when out shopping. Not to mention the cost of supporting this habit. All this sounds very judgmental coming from a complete stranger but you are obviously very stressed and concerned about life as it is now and how it could look in the future. He needs to understand that the future will not look after itself - he's assuming that you will carry on and as you have realised that your health is affecting your ability to bring in an income and he still won't get out there and look for a job. I hope you can reach some decisions that you are happy to live with OP.

Quitelikeit · 05/01/2025 20:49

You don’t adore him as much as you think op or you wouldn’t be on here planning your exit!

Have you thought about issuing an ultimatum?

Get a job or get out?

Surely you’d prefer that route before divorcing

Mummacake · 05/01/2025 22:27

OP the fact you have paid his contributions for him to gain state pension must also count for something? Don't forget to add it to the mix. It's stressful & sickening to think you may lose your home but believe me, it's better than living an unfulfilled and resentful life. You deserve much better and it'll come your way. As others have said, get the ball rolling on this asap. Definitely worth finding out what a settlement would look like rather than spending thousands going through court. Been there & it's no fun. Good luck.

Unexpectedlysinglemum · 05/01/2025 23:15

Yoh might be able to both get a shared ownership flat and universal credit would help to pay the rent aspect of it.
If you sell a mortgage free house you could surely buy a one bed flat each tho?

Cotonsugar · 06/01/2025 07:12

Undisclosedlocation · 05/01/2025 19:25

And he adores me. It’s so sad.“

No he doesn’t. He has spent 20 years leaching off you, even once your health hampered your earning potential.
He's lazy, slovenly and prioritises smoking weed over paying his way. Those are NOT the actions of someone who cares.

This. He adores having a carer, financial and emotional. The op needs to take legal advice from a solicitor or go to the citizens advice bureau.The state will look after him financially once the assets have been split.

ElizaMulvil · 06/01/2025 09:16

NeedHandHoldThroughThis · 05/01/2025 17:54

Anyone knows of a good family law solicitor in London please? Happy to be PM’ed and thanks for all your support so far, I feel a bit less lonely and hopeless xx

See my post above.

Dweetfidilove · 06/01/2025 13:01

I can see how you are worn down and want to separate now, but I don't think he should leave with nothing.

You were young and in love, so facilitated him being a househusband, who you were happy to support.

He adored you and you enjoyed him spoiling and looking after you.

It suited you to leave the running of the home to him, though it wasn't to your standard.

You pretended you were enjoying the subpar sex, so he had no need to improve. Then you've resolved to endure years of no sex.

You hid his 'incompetence' so you could continue without criticism or encouragement to leave. All while fostering an environment in which he could continue to live well amd without any professional ambition.

I really empathise with you as this sounds a hollow relationship, but I think you should be fair in the division of your current assets, but leave before you receive any possible inheritance.

NeedHandHoldThroughThis · 06/01/2025 23:31

Dweetfidilove · 06/01/2025 13:01

I can see how you are worn down and want to separate now, but I don't think he should leave with nothing.

You were young and in love, so facilitated him being a househusband, who you were happy to support.

He adored you and you enjoyed him spoiling and looking after you.

It suited you to leave the running of the home to him, though it wasn't to your standard.

You pretended you were enjoying the subpar sex, so he had no need to improve. Then you've resolved to endure years of no sex.

You hid his 'incompetence' so you could continue without criticism or encouragement to leave. All while fostering an environment in which he could continue to live well amd without any professional ambition.

I really empathise with you as this sounds a hollow relationship, but I think you should be fair in the division of your current assets, but leave before you receive any possible inheritance.

That’s a very fair assessment and it makes me feel weirdly better. Thank you.

OP posts:
YesThatsATurdOnTheRug · 06/01/2025 23:44

I don't think he sounds that bad, he's done every single piece of domestic labour and is a lovely, kind and supportive partner, and you agreed to the set up. Not sure why he's getting so much hate.

Crikeyalmighty · 07/01/2025 00:22

@NeedHandHoldThroughThis being a bit hard about this- if you won £2 million on lottery tommorrow would you want to split-? Because whilst I understand your frustration to me it comes across that it's about hard cash ( nothing wrong with that by the way) and that you now see that a comfortable old age isn't likely with someone who hasn't brought much to the table in financial terms - I wonder how other mumsnetters would feel if this was a bloke posting about a stay at home wife who hadn't worked for many years but had looked after him well and he now saw that financially it was all a bit downhill at some point - ?hence me asking about the lottery - is this mainly about money or is there a lot more to it - it's hard to tell

Redruby2020 · 07/01/2025 00:29

So after everything you have said, he doesn't 'treat you like a queen' then.

NeedHandHoldThroughThis · 07/01/2025 06:34

Crikeyalmighty · 07/01/2025 00:22

@NeedHandHoldThroughThis being a bit hard about this- if you won £2 million on lottery tommorrow would you want to split-? Because whilst I understand your frustration to me it comes across that it's about hard cash ( nothing wrong with that by the way) and that you now see that a comfortable old age isn't likely with someone who hasn't brought much to the table in financial terms - I wonder how other mumsnetters would feel if this was a bloke posting about a stay at home wife who hadn't worked for many years but had looked after him well and he now saw that financially it was all a bit downhill at some point - ?hence me asking about the lottery - is this mainly about money or is there a lot more to it - it's hard to tell

If we won that money I don’t know how I would feel but for sure the situation would become suddenly more bearable.
The thing is that I never particularly wanted for a house husband, never once I have asked for one. It was always meant to be a temporary situation while he was looking to make and sell his art again. And when it became clear (very early on) that it wasn’t financially viable and that I needed more security I begged him to retrain, or to find some kind of paid work, I begged him to let me buy those years of missed NI payments. Also with a tiny home with no children or pets, it’s not that we would have struggled to manage it while in full time employment. That’s where the resentment comes from.
But it is what is it now, it’s done and I have to move on for my sanity

OP posts:
Quitelikeit · 07/01/2025 08:15

@NeedHandHoldThroughThis

have you told him you want a separation yet?

MinnieCauldwell · 07/01/2025 09:17

Have thought about how your retirement years will look? How do you want them to look? What do you expect/want to be doing in those years? Will it be better or worse with him? He will be an old guy, sitting around the house smoking weed all day. I don't want to be harsh but you do need to be planning now.

NeedHandHoldThroughThis · 07/01/2025 10:07

MinnieCauldwell · 07/01/2025 09:17

Have thought about how your retirement years will look? How do you want them to look? What do you expect/want to be doing in those years? Will it be better or worse with him? He will be an old guy, sitting around the house smoking weed all day. I don't want to be harsh but you do need to be planning now.

You’re right and the prospect terrifies me

OP posts:
NeedHandHoldThroughThis · 07/01/2025 10:08

No I wanted to gain some clarity first about how things would look financially if we split. Obviously he knows I’m not happy

OP posts:
MinnieCauldwell · 07/01/2025 12:37

Take some financial advice, see what is possible and go from there. Just make sure you do what is best for YOU, now and in the long term.

My friend I posted about is going to be homeless at 75 because she used the money from the sale of her home on some waster that promised her everything and has abandoned her now.

I am late sixties and know of other women in my age group who have stayed with partners like yours, don't be one of them.

I wish much luck. I hope you can find yourself a nice little home for yourself.

NeedHandHoldThroughThis · 07/01/2025 12:56

YesThatsATurdOnTheRug · 06/01/2025 23:44

I don't think he sounds that bad, he's done every single piece of domestic labour and is a lovely, kind and supportive partner, and you agreed to the set up. Not sure why he's getting so much hate.

He really does not deserve any hate, he’s a good man. I should have had a spine and set some boundaries but didn’t and now it’s all fucked.
Therapy helped me understand that I was socialised to believe that my needs don’t count and I must always sacrifice them for my partner’s comfort (that’s my parents’ pattern that I’m repeating).

OP posts:
Gettingbysomehow · 07/01/2025 13:19

Cut your losses now and get rid before you inherit anything or you'll lose that too. The only way you will avoid the 50/50 split is if you make a private agreement with him and do a self service divorce online. But even then the divorce judge may not sign it off if it looks too unequal.
You will just have to tell him you want a divorce because of this situation and see what he says.

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