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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:
THisbackwithavengeance · 07/01/2025 13:25

If you're not married and the house is in your name and he has not contributed to it, why should he get anything?

The state will house him if you kick him out or - shock horror - he'll have to get a job.

JimHalpertsWife · 07/01/2025 13:30

THisbackwithavengeance · 07/01/2025 13:25

If you're not married and the house is in your name and he has not contributed to it, why should he get anything?

The state will house him if you kick him out or - shock horror - he'll have to get a job.

Because they are married.

Piggled · 07/01/2025 13:52

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.

This is wrong. They have been cohabiting for decades. It will be classed as a long marriage. And yes, he will be entitled to half the house and likely whatever savings there are. Possibly more if he can demonstrate he has greater needs, and this sounds like a needs case. But better to do it now before you inherit, OP.

Piggled · 07/01/2025 13:52

Buzyizzy21 · 05/01/2025 19:18

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

Wrong

Leafy74 · 07/01/2025 13:53

Buzyizzy21 · 05/01/2025 19:18

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

OP.
Stop reading MN a talk to a solicitor.

TheWorldisGoingMad · 07/01/2025 14:26

I think this is the biggest problem. You married him when you resented him.

"I realise now that I’ve resented him for years, probably close to a decade and a half. "

Yet
"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."

Sadly you will have to accept that by doing that, it'd likely entitled him to half of your house, regardless of him not paying into it. Aftr all, he's essentially been a cock lodger his whole life, living off you.

To have a chance of happiness you must get yourself out of this situation, and get legal advice that specialises in divorce. Don't just settle for someone local, go by reputation. Find someone good. What happens to him after is not your concern, he should have enough money from you to sort himself out. It may be the only real work he ever does.

Get legal advice. You can usually get 30 minutes free before you decide who to go with. Prepare for a bumpy ride. There's no way he's going to give up his cushy kept life easily. I expect you will be guilt trip you to the max. He knows your weaknesses, as you've allowed him to live with you like this for decades. Be prepared to find strength you never knew you had.

Good luck.

YesThatsATurdOnTheRug · 07/01/2025 15:01

THisbackwithavengeance · 07/01/2025 13:25

If you're not married and the house is in your name and he has not contributed to it, why should he get anything?

The state will house him if you kick him out or - shock horror - he'll have to get a job.

He's contributed a fair bit of labour. I know I have skin in the game as a stay at home mum but all this chat about free ride and cock lodging etc - that's normally reserved for the kind of man who does absolutely zero round the house. OP has earned all the income but he has done everything else. She's not happy with the arrangement and that's fine she has every right not to be, but why does all his domestic labour count for nothing? Yes they have no kids but frankly the kids are only a portion of what I do for the family.

Mopsy567 · 07/01/2025 15:27

YesThatsATurdOnTheRug · 07/01/2025 15:01

He's contributed a fair bit of labour. I know I have skin in the game as a stay at home mum but all this chat about free ride and cock lodging etc - that's normally reserved for the kind of man who does absolutely zero round the house. OP has earned all the income but he has done everything else. She's not happy with the arrangement and that's fine she has every right not to be, but why does all his domestic labour count for nothing? Yes they have no kids but frankly the kids are only a portion of what I do for the family.

It is because he refused to get a job multiple times even when the OP asked him to because they needed the money. She has worked hard and he saw that and didn't bother to help when necessary. Most working people do housework too so he hasn't been doing anything particularly special. Also the excessive online time and smoking weed.

That's very different to a couple who have both agreed to one not working in a job and who do not have money issues.

Bonmot57 · 07/01/2025 15:31

I expect the cold, hard shock will shake him into realising life as he knows it is over. It’s a bit over optimistic expecting him to just accept whatever he’s offered to just disappear. It doesn’t work that way, and if the roles were reversed and the OP was a man, the advice here would no doubt be very different!

The OP’s DH has a legal right to occupy the matrimonial home and if he has any nous (or basic legal advice), he will remain firmly where he is until either the house is sold or you buy him out.Why would he move out?

NeedHandHoldThroughThis · 07/01/2025 16:09

Mopsy567 · 07/01/2025 15:27

It is because he refused to get a job multiple times even when the OP asked him to because they needed the money. She has worked hard and he saw that and didn't bother to help when necessary. Most working people do housework too so he hasn't been doing anything particularly special. Also the excessive online time and smoking weed.

That's very different to a couple who have both agreed to one not working in a job and who do not have money issues.

I think part of the problem is in the huge difference between our definition of “money issues”.
He sees us as being perfectly fine (and to an extent we certainly are): no mortgage, no debt, no children to support/leave stuff to, I earn a decent wage (5 figures), we have some savings, we’ll both have the state pension, and we expect to inherit at least something.
We’re nowhere near the breadline and I’m aware of how lucky we are.
But he lives firmly in the present (which is financially good) while I worry about the future. I saw with elderly acquaintances how miserable it can be to be frail and old and to have to count pennies. The cost of living isn’t getting any lower and it wouldn’t surprise me if in the future we’ll have to pay for heath care.

OP posts:
Crikeyalmighty · 07/01/2025 16:16

@NeedHandHoldThroughThis I do get you - to be frank people can split for any reason- and in your case I think it's because you don't like the look of the future much in this scenario - to be honest if I was him I would be bloody bored

Bananalanacake · 07/01/2025 18:49

You say he wanted to move in quickly, of course he did, so he could live off you. Now ask yourself this, if you had said to him you didn't want to move in together for at least 5 years as you like your space and want to enjoy the relationship first would he have said,, 'of course darling, I love you so much I will wait for as long as it takes until you are ready to move in, until then we will be happy together, meeting when we want, staying over at each others places and enjoying a holiday every year, where we pay our equal share'.
Or would he have been off like a shot looking for someone else to move in with?

Twaddlepip · 07/01/2025 19:38

Your idea and my idea of a ‘good man’ is worlds apart, OP. I think he sounds like a lazy, stoner, freeloading bag of shit.

NeedHandHoldThroughThis · 07/01/2025 19:46

Bananalanacake · 07/01/2025 18:49

You say he wanted to move in quickly, of course he did, so he could live off you. Now ask yourself this, if you had said to him you didn't want to move in together for at least 5 years as you like your space and want to enjoy the relationship first would he have said,, 'of course darling, I love you so much I will wait for as long as it takes until you are ready to move in, until then we will be happy together, meeting when we want, staying over at each others places and enjoying a holiday every year, where we pay our equal share'.
Or would he have been off like a shot looking for someone else to move in with?

I would give anything to be able to go back and find out. Sigh.

OP posts:
Buzyizzy21 · 08/01/2025 06:38

Single man won’t be housed, he’ll be homeless. So he won’t be able to get a job either.

Buzyizzy21 · 08/01/2025 06:39

I’m not the OP. I do know that any possible future inheritance isn’t taken into account tho.

Piggled · 08/01/2025 06:59

Buzyizzy21 · 08/01/2025 06:39

I’m not the OP. I do know that any possible future inheritance isn’t taken into account tho.

Only if she gets divorced or at least separates now. If they stay married and she inherits, even if it is kept separate, it can be used to meet both parties’ needs if necessary.

honestly the bizarre ‘legal’ advice on this thread…

Piggled · 08/01/2025 07:00

And before anyone comes at me I actually am a family lawyer!

kaos2 · 08/01/2025 07:07

To rely on inheritance in your 60's is pathetic

I'm currently liquidatingmy Mum's £1million estate as she has gone into care .

I don't expect ( or rely) on seeing any of this .

No one knows what illness is around the corner ..

It's his problem , not yours.. get legal advice asap and move on ! He is a cock lodger !

Oblomov25 · 08/01/2025 07:40

You really need to just accept. Move on. And act quickly. Find any solicitor, a quick Google search for 3 nearby. Realistically it's going to be a 50-50 split. You need to act soon, to get this resolved before the inheritance comes in. Please take action, don't delay.

NeedHandHoldThroughThis · 10/03/2025 04:42

Update.
I told him, we’ve made the first steps towards divorce.
Now all the ugliness of the money conversations. Predictably he wants enough money to be able to keep not working.
I’m sad and angry and feel like a complete fool. All I wanted was to save him, and he’s walking all over me.

OP posts:
Gettingbysomehow · 10/03/2025 06:11

Divorce judges not interested in him not working. They won't give him the lions share so he doesn't have to work. The lazy tosser will be expected to work.

movinghouse12 · 10/03/2025 06:30

Well done OP. I thought you were being too nice about him. A decent person doesn't expect the other one to shoulder all financial burdens like he has for years.

He's showing his true self now. He'll be in for a wake up call, even with zero qualifications he can go and get a minimum wage job. That would be £25k a year from April if he does 40 hours per week. Up to him when and if he wants to retire. Well done for getting on with this before he's old and infirm and incapable of working, and before inheritance!

Slimbear · 10/03/2025 06:44

I find it hard to believe that anyone considers inheritance these days when Care Home fees are sooooo high.
I'm sure the courts wouldn't count it in.
I would ignore that possibility and split what is left. Probably have to sell the house.

Edit - I don't know what a solicitor would think of a SAHP when there are no children. Is this a reasonable choice and would it result in a 50:50 share of the wealth earned by one partner?

Tallyrand · 10/03/2025 06:48

Shows you how much of a dreamer he is if he thinks getting divorced shouldn't impact him at all.

He sounds very selfish, I can understand why you resent him so much.

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