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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 17:06

@CommonlyKnownAs some people also enter into marriages hardly knowing each other! I ultimately don’t think being married is a reflection on the strength of a relationship and just see it as a contract with legal and financial consequences.

OP posts:
CommonlyKnownAs · 23/02/2026 17:08

echohawk294 · 23/02/2026 17:06

@CommonlyKnownAs some people also enter into marriages hardly knowing each other! I ultimately don’t think being married is a reflection on the strength of a relationship and just see it as a contract with legal and financial consequences.

They do indeed, but they have still made a legal commitment to the other person either way. This is what makes it different to having a child together, which doesn't entail a commitment.

I didn't say marriage was a reflection on the strength of a relationship either. There are indeed ways to have a strong relationship without having made a legal commitment. This is a separate point to whether having a child together is a commitment, which it isn't, whereas marriage is.

echohawk294 · 23/02/2026 17:09

@iwouldshagtomhardy yes, I would expect my partner to spend my assets on my children if I died. He’s not materialistic and trust that he would do this as he loves our children but would put in place a trust in my will to ensure my half of the house would go to our children on his death

OP posts:
ManManManManMan · 23/02/2026 17:13

If you would like a man’s opinion - I was in a similar situation to your partner. We were together 7 years with an child and I delayed popping the question for years as I wasn’t happy with the relationship which was never quite perfect and I wanted things to stabilise before taking the next step. In the meantime she kept pushing for marriage while trying to end the relationship, behaving erratically and causing fights, there was no way I was going to propose under those circumstances.

in the end things calmed down for long enough I thought I may as well do my duty as things were ok, I popped the question, we got married about 8 months later and 11 months after that she walked out. Turns out I was right after all.

My advice to anyone (man or woman) who will listen is do not get married unless you are 200% sure, and never allow yourself to be pushed into it.

Seelybe · 23/02/2026 17:24

@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 discretiinary family trust with your children as beneficiaries you should be able to mitigate IHT as long as you live for 7 years

echohawk294 · 23/02/2026 17:27

@CommonlyKnownAs I think we just have differing opinions on the commitment. If you marry and divorce without children, you can just sort the assets and never see or speak to each other again. In my view, unless you’re an awful parent who abandons your child, the two parents’ lives are intertwined probably forever, which I think is a bigger commitment

OP posts:
echohawk294 · 23/02/2026 17:30

@ManManManManMan were you happy as a couple before the child? We literally never argued and were super happy, I just never wanted to get married. We’ve had more challenges since the sleep deprivation and other pressures of young children started

OP posts:
CommonlyKnownAs · 23/02/2026 17:31

echohawk294 · 23/02/2026 17:27

@CommonlyKnownAs I think we just have differing opinions on the commitment. If you marry and divorce without children, you can just sort the assets and never see or speak to each other again. In my view, unless you’re an awful parent who abandons your child, the two parents’ lives are intertwined probably forever, which I think is a bigger commitment

You can't just caveat away the biggest evidence that having children isn't a commitment to the other parent, though. I agree that such people are twats, but their existence proves my point. You have to go through a legal process to end a marriage/CP and there's no way round this if you want to end your commitment. You do not have to do that for someone you've had a child with. It isn't a comparable commitment to the other person.

ManManManManMan · 23/02/2026 17:55

echohawk294 · 23/02/2026 17:30

@ManManManManMan were you happy as a couple before the child? We literally never argued and were super happy, I just never wanted to get married. We’ve had more challenges since the sleep deprivation and other pressures of young children started

Ish. On a scale of 1-10 I would say I was probably 6 and she was 7 or so I thought. In hindsight I think both of us just did it because we thought we should, rather than going into it with lots of enthusiasm. It’s certainly taught me that marriage vows are worthless and the moment a woman is unhappy she’ll break a family up.

Tread very carefully is my advice to you both.

InMyOodie · 23/02/2026 18:55

He doesn't want to marry you. If he did, he'd have asked by now.

You've had his children and bought a house with him (for him) already so he's no reason to marry unless he wants to. But he doesn't seem to want to. You explaining the reasons you want to get married doesn't change that.

echohawk294 · 23/02/2026 19:17

@InMyOodie I mean I wanted the children and house just as much as him so it was hardly for him. He’s the one that’s always said he wants to get married but I said I didn’t for the first few years of the relationship. He says he still wants to get married but wants our relationship to be in a better place first and we both recognise that we probably need more sleep and more quality time together for that to happen

OP posts:
OooPourUsACupLove · 23/02/2026 19:25

Coconutter24 · 23/02/2026 16:39

I don’t have it backwards at all, the meaning of marriage isn’t financial security, yes it provides it which is a benefit but it’s not the meaning of marriage

Do you need a marriage to be in love?

Do you need a marriage to be committed, or faithful?

Then what is the purpose of marriage? What does it actually change?

WildCats24 · 23/02/2026 19:28

echohawk294 · 23/02/2026 19:17

@InMyOodie I mean I wanted the children and house just as much as him so it was hardly for him. He’s the one that’s always said he wants to get married but I said I didn’t for the first few years of the relationship. He says he still wants to get married but wants our relationship to be in a better place first and we both recognise that we probably need more sleep and more quality time together for that to happen

Yes, even if he did want to get married before children…he has changed his mind. He is now putting it off and is moving the goalposts. He’s had a taste of big boy responsibilities and it’s not as easy as it was before kids. He no longer wants to get married. Even if it puts his own kids in a better financial position. His behaviour (disinterest in marriage) is a language and you are choosing not to listen to it.

worldshottestmom · 23/02/2026 20:01

Have you ever asked him what he wants?

It sounds like he's dragging his feet, and there's a pretty obvious reason for that which seems to be he doesn't want to be pressured into getting married - which i can't imagine anyone would.

You said you get quite upset everytime you talk about it, so he probably feels he can't be honest with his feelings about it all or else he's just going to get berated for it again. I would say he's borderline scared to tell you how he feels because he knows how much it means to you and doesn't want to upset you and have it become a whole thing.

Maybe try focusing on reintroducing romance into your relationship first? I.e you set up something nice and romantic, you do little things here or there to show him it's not all about money and you do actually love the man. I know you say its you managing everything and I understand how hard that is, but its likely the case he feels you're only wanting to get married for financial reasons, which is pretty depressing and off-putting.

If you start putting the effort in first, see if he reciprocates; without telling him you now expect something back, its his turn, whys he not doing anything etc.

If he doesnt reciprocate it on his own accord, I feel him not agreeing to marriage would be a blessing in disguise.

Sorry youre having to go through this though, it sounds tough.

echohawk294 · 23/02/2026 20:08

@worldshottestmom thanks, that’s good advice. He says all he wants is me to be less stressed, not be rude to him and for us to get along better. He says he wants to get married but wants to do it when we’re in a better place, which is definitely fair enough to be honest! Despite the fact that I want to marry for IHT reasons, I would also want us to be happy and have no doubts on the day we signed the papers. We are both trying to spend more quality time together but it is quite hard with young children and lack of sleep

OP posts:
CommonlyKnownAs · 23/02/2026 20:10

OP have you had estate planning advice? I think marriage or not, this is worth doing.

Vivisays · 23/02/2026 20:31

See a solicitor and arrange for your assets to pass into a trust for your children in the event of your death. Don’t nag him about this - divorces can be expensive too.

worldshottestmom · 23/02/2026 20:49

echohawk294 · 23/02/2026 20:08

@worldshottestmom thanks, that’s good advice. He says all he wants is me to be less stressed, not be rude to him and for us to get along better. He says he wants to get married but wants to do it when we’re in a better place, which is definitely fair enough to be honest! Despite the fact that I want to marry for IHT reasons, I would also want us to be happy and have no doubts on the day we signed the papers. We are both trying to spend more quality time together but it is quite hard with young children and lack of sleep

I totally understand that. I relate to your post cos im also very type A, and I was very much like you in my most recent relationship (10 years together, very recently ended but for the best). Was just me doing everything, every day, managing what felt like everyone's lives for them. I get what its like to want to have your partner make the effort for a change, and the frustration it brings when they dont, or when you have to tell them to do this and that, but if you dont tell them nothing gets done. Your partner sounds much more wonderful than mine was though lol! Really do hope you reach a resolution with him about this. Im sure its something you'll look back and laugh about in years to come. Take it easy, and good luck!

Holycowss · 23/02/2026 21:50

Why not just buy properties- in a trust, for your kids. If that’s you’re only concern, you’re kids gettin inheritance.
personally you stand to risk an awful lot in a nasty divorce. 50/50 on a marriage lasting. Not odds I would like if it was only for financial planning

moderate · 23/02/2026 22:35

CommonlyKnownAs · 23/02/2026 17:31

You can't just caveat away the biggest evidence that having children isn't a commitment to the other parent, though. I agree that such people are twats, but their existence proves my point. You have to go through a legal process to end a marriage/CP and there's no way round this if you want to end your commitment. You do not have to do that for someone you've had a child with. It isn't a comparable commitment to the other person.

You have joint obligations to the child(ren) which are much more ongoing and difficult to disentangle if the parents are uncooperative than marriage is difficult to disentangle if the spouses are uncooperative.

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