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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:
echohawk294 · 23/02/2026 06:41

@HoppityBun my view has always been that marriage is just a contract that can (and in a lot of cases is) terminated and I think if we did have a legal partnership, we’d probably go down the civil partnership route which avoids all the patriarchal history and customs of marriage. I’m fully understand that entering into a contract won’t change our relationship - there are good and bad relationships inside and outside of a marriage and my view is that a lot of people just get married because everyone else is and they think they should at a certain point in their lives. I agree that you shouldn’t marry someone unless you love them and have the intention of being with them forever but I do honestly believe that we both love each other and want that - we just have a lot of sleep deprivation, stress and not much quality time together currently!

OP posts:
echohawk294 · 23/02/2026 06:43

@MyNextDoorNeighbourVotesReform oh I ask this all the time! He either says we argue too much currently and it’s not the right time or he just hasn’t got round to it yet

OP posts:
MyNextDoorNeighbourVotesReform · 23/02/2026 06:45

echohawk294 · 23/02/2026 06:43

@MyNextDoorNeighbourVotesReform oh I ask this all the time! He either says we argue too much currently and it’s not the right time or he just hasn’t got round to it yet

Well.....there we are. He doesn't want to marry you The
End

Theeyeballsinthesky · 23/02/2026 06:46

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

Except that as thread after thread on MN proves, it really isn't otherwise there wouldn't be so many threads from women on here bewildered/angry/grieving that this "bigger commitment" of a child and a house really isn't when their DP fucks off often screwing thrm financially into the bargain

SeanMean · 23/02/2026 06:48

You are arguing a lot. I think he is right not to marry you at the moment. I wouldn’t either.

Focus on making the relationship stronger before marriage.

echohawk294 · 23/02/2026 07:00

@Theeyeballsinthesky there is no way of me being screwed financially if he leaves and we’re not married. He’d be the one disadvantaged financially by that. I know that this situation is less common

OP posts:
RedToothBrush · 23/02/2026 07:06

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

You aren't listening to anyone here.

You assume you will get hit for IHT if you are not married and that will take money away from the kids
Why are you assuming you will stay with this man? In terms of financial security for your kids if you marry him, and then end up divorced the kids will lose a hell of a lot more money than they will with IHT, especially if he remarries and has other children. You would not be able to dictate the money would ultimately go to your kids.

You don't know what the future holds. You are obsessing that IHT is bad but in all honesty, you just need to suck it up if you really want the money to go to the kids as it's the only way you can absolutely guarantee they are beneficiaries.

Your relationship doesn't sound in a great place right now, despite you saying you love him and want to be with him. His actions are saying that you are Mrs right now, not Mrs right and that should be a concern for you. Remember it's not all about what you want. He's comfortable and can't be arsed to do something simple to alleviate your worries. Think about that - he knows how much it's stressing you but he still won't marry you. He doesn't want to marry you.

I honestly think you have got tunnel vision on this. The fact you think about it every day suggests it's almost become obsessive and unhealthy and you aren't thinking rationally.

If he got a better offer, he'd be off in a heartbeat. He's going through the motions but still doesn't want to commit. He doesn't want to commit because he knows when he does he's officially settled and will stop waiting for the better offer to come along.

Notmyreality · 23/02/2026 07:09

Well as you said your type A and he isn’t. So he’s never going to get round to it. Use your Type A’ness and get organising the wedding.

echohawk294 · 23/02/2026 07:11

@RedToothBrush you can dictate who it goes to with a will and a life interest trust. I agree that he obviously doesn’t want to commit, hence me posting on here. I’m not sure he’d be off in a heartbeat because whatever he thinks about me, he completely adores our children and wouldn’t want to be away from them. He is also adamant that he would never want any more children regardless of the situation. He fully shares the childcare and knows what it involves

OP posts:
dcadmamagain · 23/02/2026 07:12

You need to do a will now!! It’s no good saying you know what you’ll put in it - if you die tomorrow there’s no will. You’re focusing on marriage for iht purposes but in the meantime you’re exposed. Do a will

MyNextDoorNeighbourVotesReform · 23/02/2026 07:15

echohawk294 · 23/02/2026 07:11

@RedToothBrush you can dictate who it goes to with a will and a life interest trust. I agree that he obviously doesn’t want to commit, hence me posting on here. I’m not sure he’d be off in a heartbeat because whatever he thinks about me, he completely adores our children and wouldn’t want to be away from them. He is also adamant that he would never want any more children regardless of the situation. He fully shares the childcare and knows what it involves

I'm not suggesting that he wants to leave today
I'm saying that he doesn't want to marry you. That may be because he wants to leave his options open. Or for a reason we simply don't know. Or for the reasons he's already given. He's obviously not motivated by money

echohawk294 · 23/02/2026 07:16

@dcadmamagain I already have a will but this would need to be re-done if we got married. Currently, there would be IHT due that wouldn’t be payable if we were married

OP posts:
ArcticSkua · 23/02/2026 07:16

The way to avoid disadvantaging your children is to leave it directly to them. Then they only pay one lot of inheritance tax, not two, as it doesn't go via your partner. I'd write a will doing this.

Gettingbysomehow · 23/02/2026 07:16

Men who say they"want to get married some day" have no intention whstsoever of getting married. He should stop messing you about and just say so.

ZanyMaker · 23/02/2026 07:24

echohawk294 · 22/02/2026 22:23

@WeAreNumpties we can cover that with a prenup

@echohawk294 what happens if he eventually turns around and says ‘yes, let’s get married but I won’t sign a pre-nup’? Do you then take marriage off the table?

And secondly, if you hadn’t received the inheritance would you still be this desperate for marriage/civil partnership? Perhaps that will give the answer as to whether this is about love or money.

APatternGrammar · 23/02/2026 07:29

If you push him into marriage your likely divorce will take much more from your kids financially than IHT would.

Probablyshouldntsay · 23/02/2026 07:35

A divorce would cost you and your children in a more devastating way than IHT I’m afraid.
Kindly, you do need to consider that he absolutely has the free will to divorce you, take half and meet someone new who then gets to share in your wealth.
Dont fall for the trap of thinking ‘not my man’. The scale of women posting on this forum gobsmacked that their DH has been shagging Brenda from work is enormous. In particular the OP will often admit that they haven’t been having sex much, haven’t been getting bf along etc etc.
Protect yourself and spend the money on couples therapy for a year instead

DarkForces · 23/02/2026 07:41

It sounds like a split is far more likely than a death at the moment. I'd focus on getting your relationship in a better place as you clearly live at quite different paces. Even with a pre nup in place divorce is more expensive and stressful than a split up. I know you say you're type an and he's more laid back. Our marriage is like this and you have to accept that if you each play to your own strengths rather than expecting anyone to change it can be an incredibly strong partnership. Both personality traits have strengths and weaknesses so let that guide your roles rather than some perfect split of jobs.

Ophy83 · 23/02/2026 07:41

Forget about the IHT for a while and work on improving your relationship. Get the romance back.

Topbobble · 23/02/2026 07:53

He simply doesnt want to. Sorry. He doesnt stand to lose financially he would be the one to gain, and you aren't asking for an extravegant costly wedding; the only reason he wont is because he doesnt want to. Work on your relationship and get professional advice re: finances would be my advice.

Goonyoucanaskme · 23/02/2026 07:58

echohawk294 · 22/02/2026 22:21

@Goonyoucanaskme there are ways to get around the issue with re-marrying with for example a life interest trust. I’ve considered this scenario

@echohawk294 Are you certain that if you married and then divorced after the children were grown up and living independently, he would not be entitled to a bigger share of your assets than you want?
That is a more likely scenario than a healthy youngish woman dying young. Especially if he mostly wants to live with you because the children are there.

Neurodiversitydoctor · 23/02/2026 08:04

BeeHive909 · 23/02/2026 02:21

he doesn’t want to marry you and I think you need to accept it. And frankly if someone said to me that marriage was the best way to protect money for the kids I’d say no too. Marriage is about love

Only since about 1815 ( when Jane Austen wrote P&P) before that it as absolutely about property and land.

skippy67 · 23/02/2026 08:13

He doesn't want to get married. You're focusing on the wrong thing here.

Seelybe · 23/02/2026 08:28

@echohawk294 your DP has made it clear he doesn't want to get married for tax reasons and isn't happy enough with you to get married otherwise.
Get some decent specialist family wealth planning advice. Between a will and a discretionary family trust with your children as beneficiaries you should be able to mitigate IHT as long as you live for 7 years.

Throneofgame · 23/02/2026 08:36

If you want to get married, why don't you just propose to him?

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