Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

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:
NeedHandHoldThroughThis · 10/03/2025 06:53

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.

Not according to this (example n2) that he’s found online and he’s now using to convince me that there’s no point fighting:
https://www.divorce-online.co.uk/blog/typical-uk-fair-divorce-settlement-examples/

Someone up thread suggested to look at this as a sunken cost fallacy and that’s how I’m trying to frame it to myself so I don’t go mad

Typical UK Divorce Settlements - 4 Fair Examples

Was this article helpful?YesNo

https://www.divorce-online.co.uk/blog/typical-uk-fair-divorce-settlement-examples

OP posts:
NeedHandHoldThroughThis · 10/03/2025 07:02

Now I just have to decide whether to hand him over enough to allow him to buy somewhere cheap and rent a room out (outside London, he’s thinking rural Wales or up north), or try mediation (he’s pushing for the latter thinking they’ll make me see sense, and that he can have half of everything)

What he seems to be positive of is that he Can Not Work.

OP posts:
NeedHandHoldThroughThis · 10/03/2025 07:06

I wrote another post a few days ago with some updates on the situation, for anyone interested.
https://www.mumsnet.com/talk/relationships/5288688-adhd-and-impact-on-partners?postsby=NeedHandHoldThroughThis

OP posts:
Zanatdy · 10/03/2025 07:10

Kitkat1523 · 05/01/2025 14:07

Care costs can wipe out that very quickly

Yep, my friend is in a care home on end of life care and the cost is £1600 a week. It saddens me to see so many elderly people just existing there. I am sure they wouldn’t want their life savings wiped out on care, but these people have needs that cannot always be managed at home. Specialist equipment to lift them, 24-7 care. Even the most devoted daughter (or son) couldn’t provide all that. I am not even factoring in an inheritance, but there’s a good chance that my mother could need care when the time comes.

Sunshineandrainbow · 10/03/2025 07:26

NeedHandHoldThroughThis · 10/03/2025 07:06

I wrote another post a few days ago with some updates on the situation, for anyone interested.
https://www.mumsnet.com/talk/relationships/5288688-adhd-and-impact-on-partners?postsby=NeedHandHoldThroughThis

Link not working for me,

Ownyourchoices · 10/03/2025 07:32

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.

Absolutely. With no kids in a tiny house when he needed nagging to actually do the bare minimum. Smoking dope. And pretending to be an artist. He was given fair warning - get rid OP. Get advice, get rid and get on with the life you deserve.

BettyBardMacDonald · 10/03/2025 07:48

Good for you; it will be a relief.

He'll soon find someone else to support him.

AnneElliott · 10/03/2025 08:30

Glad you've taken the first steps op. How entitled to think that he shouldn't need to work!

OP posts:
NeedHandHoldThroughThis · 10/03/2025 08:40

The absolutely maddening thing is that morally anyone and everyone can see how unfair he’s being (included his friends and brother who he’s very close to). But legally he’s saying I have no leg to stand on, no court will be interested in the reasons and the arguments, they’ll just see that I’m younger and with a decent job whereas he’s not, so I better hand over the cash to make the problem go away, without losing extra money in legal fees.

OP posts:
SprigatitoYouAndIKnow · 10/03/2025 09:23

Get yourself some legal advice. Not the often recommended free half hour, a proper initial consultation. Nothing this man says is in your best interests, he just wants to get his hands on as much of your cash as possible, now the tap is being turned off.

Keep reminding yourself that you would have lost more overall if you had stayed together. Sanity is just as important as money.

Summerhillsquare · 10/03/2025 09:56

NeedHandHoldThroughThis · 10/03/2025 08:40

The absolutely maddening thing is that morally anyone and everyone can see how unfair he’s being (included his friends and brother who he’s very close to). But legally he’s saying I have no leg to stand on, no court will be interested in the reasons and the arguments, they’ll just see that I’m younger and with a decent job whereas he’s not, so I better hand over the cash to make the problem go away, without losing extra money in legal fees.

Well if course he is. He used to you rolling over and facilitating his requirements. The best predictor of future behaviour is past performance.

Only you can change this, no one is going to step in and rescue you.

Crikeyalmighty · 10/03/2025 10:15

I think he's smarter than you think lovely- played a very long game- you shouldn't have married him but you know that - he will get50% of assets no doubt however unlikely to be more - I'm sorry

TheFormidableMrsC · 10/03/2025 10:37

I'd be investing in really good legal advice at this stage. You need to be aware of spousal maintenance but I'm not sure a judge would agree to that as he's not given up a career or pension to support you and children, he's just been an utterly lazy bastard who has chosen not to work or contribute. I would have thought that it would be very easy to prove he has made no financial contribution at all.

Regardless, because you are married, he is likely to get 50% of your assets but personally I'd be fighting that tooth and nail. A judge would expect him to work. Please see a decent solicitor as soon as you can.

Mum2Fergus · 10/03/2025 10:54

Disregard anything he says and get your own proper legal advice.

sSssssssssssssOOO · 10/03/2025 10:54

I hope you manage to separate with as little upset as possible. I can’t imagine anyone finds it easy.

one thing is is that I’d almost guarantee that you don’t need to worry about what happens to your husband after you split. I bet he will find himself another women to look after him very quickly.

Itsrainingloadshere · 10/03/2025 11:14

Buzyizzy21 · 05/01/2025 19:18

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

This is NOT correct. Any assets from inheritance that are brought into the marriage may well be included in negotiations especially if their value is needed to ensure both parties have enough to house themselves after the divorce.

jsku · 10/03/2025 11:24

OP - have you had a conversation with a solicitor? Or, a direct access barrister?
(personally I found my interactions with barristers much more helpful as they don’t do a lot of handwaving and tell you in simple terms what is a range of possibilities. While solicitors are trying to you as a client and tell you what you want to hear)

Looking at your situation not knowing specifics, here is what I think:
… He does have a claim for 50% of assets (or possibly a little more). Your marriage is only 5 years long, but continuous co-habitation for 20years will be taken into account and most likely yours will be treated as a long marriage
… I don’t think he’ll have a claim for spousal maintenance. (That will depend on specifics - your salary, etc)

Thing is about marriage and fairness - it is not completely black and white.

Relationships, and certainly marriages are long standing commitments. You effectively entered into it 20 years ago where you knowingly chose to be with him, knowing what his earning prospects were like. You then proceeded to choose to support and take care of him over many years.
In the eyes of the law - this decision is no different to a man supporting his wife as a SAHP. Different reasons - kids vs ‘artistic pursuits - but reasons do not matter.
Again - in the eyes of the law, these sort of decisions are not ‘fair or unfair’ - they are what the couple agreed to do. Even if there was not a written agreement - the situation being as it was for years is considered an implicit agreement.

Now - if you were separating while in your 40s or 50s - there is no question that he would be expected to work. Unless you had ££mil and he could just live off that.

But - it seems that he is close to retirement age, so any judge does need to take that into account. Fairness in any divorce does need to work both ways. His ability to work is limited by age and lack of experience/skills.
Your health situation also needs to be accounted for, of course.

In your place - I’d get a legal opinion to really understand what you are dealing with.

I know you feel strongly re ‘morality’ of this situation. But morality is relative, not absolute.
You’ll get through this difficult time faster if you don’t dwell on what is right/wrong from your POV and focus on what is legal/possible.

In divorce it is very rare for both parties to see things in the same way as to ‘morality’ and what is right.

Arrivederla · 10/03/2025 12:04

Op - it's not clear if you have seen a solicitor or not regarding your divorce? You have to get independent legal advice! At the moment you seem to be relying on a mixture of guesswork and (well-meaning but possibly mistaken) info from mumsnetters.

It will probably cost you a few hundred pounds to speak to a solicitor but better that than the thousands that you might be giving away in an unfair divorce deal. (I say 'might' because only a solicitor can really advise you on that).

You seem to have sleep walked into a disappointing marriage - please don't sleep walk into an even worse divorce.

Arrivederla · 10/03/2025 12:06

jsku · 10/03/2025 11:24

OP - have you had a conversation with a solicitor? Or, a direct access barrister?
(personally I found my interactions with barristers much more helpful as they don’t do a lot of handwaving and tell you in simple terms what is a range of possibilities. While solicitors are trying to you as a client and tell you what you want to hear)

Looking at your situation not knowing specifics, here is what I think:
… He does have a claim for 50% of assets (or possibly a little more). Your marriage is only 5 years long, but continuous co-habitation for 20years will be taken into account and most likely yours will be treated as a long marriage
… I don’t think he’ll have a claim for spousal maintenance. (That will depend on specifics - your salary, etc)

Thing is about marriage and fairness - it is not completely black and white.

Relationships, and certainly marriages are long standing commitments. You effectively entered into it 20 years ago where you knowingly chose to be with him, knowing what his earning prospects were like. You then proceeded to choose to support and take care of him over many years.
In the eyes of the law - this decision is no different to a man supporting his wife as a SAHP. Different reasons - kids vs ‘artistic pursuits - but reasons do not matter.
Again - in the eyes of the law, these sort of decisions are not ‘fair or unfair’ - they are what the couple agreed to do. Even if there was not a written agreement - the situation being as it was for years is considered an implicit agreement.

Now - if you were separating while in your 40s or 50s - there is no question that he would be expected to work. Unless you had ££mil and he could just live off that.

But - it seems that he is close to retirement age, so any judge does need to take that into account. Fairness in any divorce does need to work both ways. His ability to work is limited by age and lack of experience/skills.
Your health situation also needs to be accounted for, of course.

In your place - I’d get a legal opinion to really understand what you are dealing with.

I know you feel strongly re ‘morality’ of this situation. But morality is relative, not absolute.
You’ll get through this difficult time faster if you don’t dwell on what is right/wrong from your POV and focus on what is legal/possible.

In divorce it is very rare for both parties to see things in the same way as to ‘morality’ and what is right.

This is a really good post

Gettingbysomehow · 10/03/2025 13:52

He's a proper twat. Why cant he work? I'm 63 and I still work full time in a tough, demanding job. Is he made of glass or something.
Don't give him more than one penny more than you have to. I would destroy him.
Go and see the hottest solicitor you can afford for one hour and get the facts.
Don't give in. No court in the land would put up with this no working bullshit.

VintageFollie · 10/03/2025 15:02

He doesn't sound terribly sad to be losing you OP, just bothered about what he can take from you financially. Speaks volumes. As a PP said, he's played a very long game, and sorry to say this, but I don't think he's been with you for you, but for a roof over his head. As the saying goes - no one falls in love quicker than a man who needs somewhere to live.

FeministUnderTheCatriarchy · 10/03/2025 16:29

He will get 50/50 of house and any savings.

Leave before you get an inheritance.
I cannot stress that enough.

That inheritance is your pension and you never know what will happen, if your parent dies tomorrow, he will get half of that too.

But you also can't rely on am inheritance with care home fees etc, so leave now and start building your life only supporting one adult (you).

Downsize and get saving for the future.

He may be nice, but you are basically friends at this point and he has chosen not to work despite you repeatedly asking him to.

FeministUnderTheCatriarchy · 10/03/2025 16:32

Itsrainingloadshere · 10/03/2025 11:14

This is NOT correct. Any assets from inheritance that are brought into the marriage may well be included in negotiations especially if their value is needed to ensure both parties have enough to house themselves after the divorce.

This.

So many people make this mistake and it causes all sorts of issues.

She needs to leave well before she inherits.

GardeningEconomist · 10/03/2025 16:42

You need a solicitor to sort this out ASAP. Make it a clean break so you can sever all ties with this man.