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Relationships

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7 year relationship, multiple children, bought house together, not yet proposed

121 replies

echohawk294 · 22/02/2026 20:52

I’ve been with my partner for 7 years and we have young children. I have never been that bothered about getting married and was clear on this in the first few years of our relationship but said I would be happy to. My partner said he was keen to get married in the future.

A couple of years ago I was fortunate enough to receive a large sum of money that took me over the inheritance tax threshold. I said to my partner that I’d like to have a civil partnership or get married so that if I were to die, my assets would go to him tax free and our children wouldn’t lose out on a large sum of money due to an inheritance tax bill (which will only get higher when pensions are brought into the estate next year). I gave him the figures and he agreed that this was sensible but said that he wanted to do it in summer rather than winter. I was clear that I’m not bothered about a ring or a large celebration - signing the papers in a registry office with our children and parents present and then a lunch out would suit me.

A couple of years have passed and we’re still not married or in a civil partnership. We have recently bought a house together, which we hope is our forever home. I own a significantly higher percentage of the house than him. We both have relatively well paying jobs. I have always earned more than him but he has a better pension. I have recently gone freelance and so my income is more unstable but I have the potential to earn a lot more than him if things go well.

We have had a stressful couple of years for various reasons and we argue quite regularly. My partner is a great dad, he’s kind and patient, does lots around the house and tries his best to give me some time to myself. However, I still feel like I hold the majority of the mental load, project manage our household and am the driving force behind most of the changes and organisation in our family and relationship, which frustrates me. I feel like I’m a nag and I hate that. I am type A and my partner is much more laid back. He says that he feels like my standards and expectations are too high and that I can be rude to him when I’m stressed. We have done some relationship counselling to try and overcome this, all organised by me. When I stopped organising, he didn’t mention doing any more sessions.

I worry about the consequences of not being married or in a civil partnership every day and I’ve told my partner this. I really don’t want to organise the registry office because I feel like I organise everything and I’m now the one pushing to have a legal partnership. I essentially don’t want to coerce someone into getting married, I want him to really want to do it. The emotional part of me gets jealous of other couples’ romantic proposals but my head tells me that him sending me an email booking confirmation from the registry office would be good enough. When I ask my partner why he hasn’t sorted it yet, he says that we argue too much currently so it’s not the right time or he hasn’t got round to it yet but it’ll happen sometime. I agree that ideally we’d argue less but we’re not always arguing and I also feel like having multiple children and a house together is just as much of a commitment as having a legal partnership and we should do it asap for tax reasons. He says that we shouldn’t get married just for tax reasons and that I’m not going to die anytime soon. I know that I’m unlikely to die soon but anyone can die anytime and so I think it’s better to be prepared before it’s too late. I just can’t understand how my partner isn’t worried about the financial consequences for our children if it were to happen before we’re in a legal partnership.

I can’t see any financial downsides for my partner to marry me because I have more assets and earn more. When we discuss it, I often tell my partner that him not legally committing makes me feel like he doesn’t love me enough and I’m insecure that childbirth has made him not fancy me anymore. I’ve also said when upset that a small part of me sometimes worries that he has used me to get the children and house he always wanted (although I don’t honestly believe he’s the kind of person who’d do this). His response is always that I’m ridiculous or spiralling and that he does love me and wants to marry me someday.

Before children, we both did far more romantic gestures for each other and it’s not something I ever worried about. When I ask him to be more romantic now, he says he’ll try but he’s emotionally and physically exhausted. I feel the same but he somehow manages to muster the energy to play sport on some evenings after the children are in bed, which I’m way too tired to do (despite really missing all the exercise I used to do pre-children). I am really happy for him to play sport and have time away from the family but I wish he’d also put a bit more time into making me feel like he loves me. I feel like I put all of my small amount of energy (after looking after our children and work) into life admin and managing our household which involves reminding him to allocate quality time with me and trying to organise things for us to do together.

I’m now not really sure where this leaves us. There’s only so many times I can mention that I want to get married or have a civil partnership and whenever we have the conversation, I get upset. I’ve also tried just not mentioning it for a while but nothing changes and I still think about it all the time. l can’t help but feel like my partner just doesn’t want to commit to me but when I tell him this, he says he’s already committed and I’m being ridiculous. What should I do?

OP posts:
toodleoothen · 22/02/2026 20:58

Sounds like the financial downsides of getting married are all for you and the tax benefits are way in the future (and for your children who presumably are all quite little at this point) - so why do you really want to get married, especially if, you are arguing a lot right now?

Summerhillsquare · 22/02/2026 21:00

Sorry, but why are you so keen to marry this guy? He doesnt want to, and it would present you with significant risks.

CraftyNavySeal · 22/02/2026 21:01

Don’t marry him. Change your will, everything goes to the kids. Get legal advice as to what happens if you die before they’re 18.

Otherwise presumably he would have to buy them out or sell it and give them their share which will be his problem. Better for your kids to pay IHT than give everything to someone who won’t marry you.

echohawk294 · 22/02/2026 21:02

@toodleoothen@Summerhillsquare because if I were to die, there would be a big tax big, which would disadvantage my children. I love my partner and want to be with him.

OP posts:
toodleoothen · 22/02/2026 21:07

echohawk294 · 22/02/2026 21:02

@toodleoothen@Summerhillsquare because if I were to die, there would be a big tax big, which would disadvantage my children. I love my partner and want to be with him.

Talk to your financial advisor about planning for IHT. And, as for the marriage proposal - if you are a Type A personality, is it possible you've just put this on your list of things to do, and are getting increasingly frustrated that he isn't jumping through hoops to do something that you have on your list (and is clearly not on his list of things to do)?

echohawk294 · 22/02/2026 21:12

@toodleoothento be honest, the financial advice is that the best thing to do is get married! Yes, it probably is something that’s on my to do list. However, there’s also the emotional element that I’ve been with him for a long time and had children with him and the fact he always said he wanted to get married but hasn’t yet got round to it doesn’t make me feel great

OP posts:
Coconutter24 · 22/02/2026 21:13

I can see why he’s not keen to get married to you. You haven’t said once it’s because you love him you’ve only mentioned money. I also wouldn’t want to marry someone that I’m always arguing with

pixiegirlishere · 22/02/2026 21:14

Are you sure he actually wants to be with you - as in, are you a place holder while he waits for a potentially better option?

BigBirdWaz · 22/02/2026 21:16

Just leave your assets in a trust for your children. Speak to a solicitor and sort your side. Kindly, OP, he doesn’t want to marry you.

echohawk294 · 22/02/2026 21:16

@Coconutter24I did actually say further up that I love him and want to be with him. To be honest, I feel like having children and buying a house with someone are bigger commitments than entering into a legal partnership

OP posts:
echohawk294 · 22/02/2026 21:19

@pixiegirlishere that’s obviously my concern although I can’t imagine him finding anyone else as neither of us are really out to have the opportunity to meet others. All I can go on is what he says, which is that he loves me and wants to be with me and wants to get married/have a legal partnership in the future

OP posts:
Coconutter24 · 22/02/2026 21:21

echohawk294 · 22/02/2026 21:16

@Coconutter24I did actually say further up that I love him and want to be with him. To be honest, I feel like having children and buying a house with someone are bigger commitments than entering into a legal partnership

I must of missed that among all the financial talk

whatintheworlddoyoumean · 22/02/2026 21:22

From your original description OP, it doesn't sound like the happiest of relationships. Maybe try enjoy each other's company more for a while, instead of focusing on checking marriage off the to do list? If you're already arguing a lot, you don't need another pressure.

It sounds like you think you're not married because you haven't carried the mental load of it. I don't type this to be harsh, but all a man has to do is propose. It's an exciting step that most take when they want too - key part being want too. Would he describe himself as happy in the relationship if you were to ask him?

It sounds very stressful navigating through & I hope you get some good advise on here!

toodleoothen · 22/02/2026 21:27

It sounds from your updates that this has less to do with IHT and more to do with your feeling somewhat insecure in this relationship. It seems you are bringing it up with him as a financially good move because you don't want to actually talk about your feeling of insecurity/emotional vulnerability. i would also suggest that you take the foot off the pedal on the marriage issue for a bit and just work on getting on the same page emotionally - perhaps some relationship counseling would help.

AttilaTheMeerkat · 22/02/2026 21:28

But neither an house or kids are as you are already seeing. Men and women can and do walk away from
both. Marriage is a public commitment to yourselves as a couple.

Do the kids have his surname - yet more power all too easily handed over to him if this is the case. Why is he so against marriage and or a civil partnership?. What’s going on with him?. Did his parents have a bitter divorce or has he really future faked you?.

The law as it stands treats you as two separate individuals.

All you can do going forward is a) show him the meaning of the loss of you by separating from him and b) protecting your own monetary assets by seeing a solicitor.

He will continue to bury his head in the and I would also assume he does not want you to have his half of his pension on his death. Are you actually named as his beneficiary on that document?. If not why and who is?. Btw women in poor relationships often write the good dad comment when they can think of nothing else positive to write about their man.

ShawnaMacallister · 22/02/2026 21:32

echohawk294 · 22/02/2026 21:02

@toodleoothen@Summerhillsquare because if I were to die, there would be a big tax big, which would disadvantage my children. I love my partner and want to be with him.

If you divorced he would get more than the IHT would be and you'd have no guarantee he would leave that money to your kids.
Open your eyes, he doesn't want to marry you, the relationship is rocky, you are wealthy, let it go.

SaturdayFive · 22/02/2026 21:32

Have you got a will OP? That's the only way to ensure your kids get your property/money. Much more important than marriage. Your partner could marry someone else after you've gone and the kids could get nothing.
You can't make someone marry you. As you say, you're already committed in many ways. People who describe themselves as Type A can be very hard work to live with. Maybe back off a bit.

TaraRhu · 22/02/2026 21:33

Your partner is not type A. He is not a doer and he is not the one that wants to get married. I totally get that's very frustrating. My now husband is the same. He did propose but then left me (the one who wasn't bothered about marrying) to organise the wedding. I hated it. I honestly had no desire to be a bride or have a big day yet if I didn't do it we would have been engaged forever. I am the doer in the relationship and as annoying as it is, I can't change this much. If you know and want to marry this man you have to accept him warts and all. If you are the one that wants to get married, and you TRULY do not care about the ring, the big day etc then just sort out a quick civil partnership yourself. Then it's done. But is this really the issue or is it more?

It sounds to me as if you are in the throes of having young kids and this puts pressure on a relationship. It sounds like the wedding is somehow becoming the vent for a lot of frustration. Your post doesn't paint the happiest of situations and I would try and sort that out before you think of marrying.

Hannah226 · 22/02/2026 21:38

He’s just not that into you.

hellsbells99 · 22/02/2026 21:47

In your position, I would be leaving everything to your kids. If you get married and leave everything to your partner if you die, the chances are he may marry again and his new wife may inherit everything if he dies ……leaving your kids with nothing.

KeepOffTheQuinoa · 22/02/2026 21:57

So were you to meet with imminent tragedy, you want him to have all your money?

And what then if he marries a younger woman and has more kids and then she inherits it?

I don’t even get the tax advantages: if he keeps the money and eventually bequeaths it to your kids it will still be subject to IHT at that point.

Both Take out life insurance to ensure security should anything happen to one of you, and make a will leaving your ££ to your kids.

Reggiebo · 22/02/2026 22:01

Martin Lewis did a programme on this a couple of weeks ago. It also explained how inheritance works. So might be worth a watch

Hohofortherobbers · 22/02/2026 22:05

Don't marry him. See a financial adviser and do some IHT planning, there are ways to minimise the hill. Ensure your dc are your beneficiaries then accept he will not marry you, you can stay with him then in those terms if you wish. At least you can legally just walk away if you wish

echohawk294 · 22/02/2026 22:06

@AttilaTheMeerkatI mean children, house and marriage can all be walked away from. Children is definitely the hardest - we both want to spend as much time as we can with them. Our children have both of our surnames - I was very clear that that was very important and he was totally happy with thay. He says he wants to get married and his parents have been together for over 50 years. I am named as a beneficiary on his pension and neither of us are particularly materialistic. I am only concerned about inheritance tax because I think the economic climate is going to be hard for children when they become young adults and so I want to be able to help them financially with that

OP posts:
echohawk294 · 22/02/2026 22:10

@SaturdayFive@hellsbells99 there are ways to get round him leaving everything to any future wife eg. A life interest trust. I’m fairly on top of how it works from a legal perspective and can cover that in a will. It’s harder to get around the inheritance tax issue without being married

OP posts:
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