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Advice Needed *UPDATE*

Posted By Message

januarymrs
LIF Zygote

Member since 8/07

1 total post

Name:

Advice Needed *UPDATE*

Since being married (7 months now), DH and I have had some really hard conversations and some really hard fights.....over money.
I know that money is not something that should ruin a marraige, but we have such different attitutes toward it....its very stressful and I just don't know how to handle it. Its destroying our marraige.
Its not a day to day issue....we both have similar spending habits; however he never thinks about the future, while I am obsessed with it. At almost 40 years old, he has no 401K, no life insurance.... while I, in my early 30s strongly believe in it and have been contributing toward it for years.
In the background that I come from, it is both the husband and wife that take control of the families finances, together. However, there is always an overwhelming feeling that the man takes care of the family. I know that today is 2007, and it is both spouses responsibility,,,,,but as conversations go for having children, the idea of my continuing to me the main breadwinner, without him taking over, with no thought of our future down the line is really eating away. I have tried to broach the topic, but it always ends in a horrible fight.
It just happened tonight and he stormed out of the house while venting to one of his friends.
Some very nasty words were exchanged.
I don't know what is the bigger issue....the money, or all of the fights, and horrible things that are said during the fights, all which are precipitated by the topic of our finances.

I know that you are probably thinking that we should have discussed this before marraige....and we did. However, the actual act of being married and going through a day to day life is much different than the list of questions one goes through when their blissfully engaged.
I don't know if any of you even have any advice.......

UPDATE: This was killing me. I coudn't take it anymore. We went tonight to see a counselor, who said this is totally fixable. Apparently, many new couples struggle with the topic of money since we only discuss it so superficially before marraige, and even if it is formally discussed, "its different when your in it" .
Marraige is a huge event, and we need to "rewrite the contract" and get onto the same page.
We talked it out, respect each others views, and next week we have an appointment with a financial advisor who is going to take everything into consideration (how much we make, how much we save, what our expenses are, our goals for future, etc.) and put us on track with a plan for savings, 401Ks, investments, paying off any debt, etc.
I'm glad that we did this.......and if we have to "rewrite the contract" with other big life events (children, moving, etc.), then so be it. This was very effective.
I never thought that I would want to have to go to a counselor, but I'm so glad we did!

Message edited 8/21/2007 10:09:49 PM.

Posted 8/19/07 11:23 PM
 
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SPECIALNEEDSMOMMY
A Healing for Gregory

Member since 1/07

1217 total posts

Name:
Barbara

Re: Advice Needed

I don't really have any advice, but I wanted to offer Chat Icon Chat Icon :hug .

Posted 8/19/07 11:52 PM
 

mskittynj
LIF Infant

Member since 7/07

256 total posts

Name:
Rafaela

Re: Advice Needed

Finances is the #1 reason couples get divorced. It CAN make or break a marriage. I would suggest to just keep talking to him about how you feel. Or just take charge and get him the life insurance. The 401K you'll probably need ot speak to HR in his company. Maybe he's just not interested in doing all that because it takes too much paperwork to fill out or whatever. Offer to do all the paperwork and see what happens. Good luck!
XOXOXO
Kitty

Posted 8/20/07 9:42 AM
 

Ginger123
Sooo happy

Member since 8/07

1235 total posts

Name:
dana

Re: Advice Needed

Money is the number one reason for divorce...since talking about it always ends in a fight .. I would wait a few days to cool off and write down how you are feeling.. in a diary bullet points...etc. whatever works for you. after you have put all your thoughts on paper try to discuss with DH in a rational mature manner preface the conversation with " I really don't want to fight but this is on my mind and I was wondering if we could talk about my concerns and maybe we can come to a compromise. or maybe sending him a well though out email or letter so he can read it on his own time and own environment... let me know how it goes. my thoughts are with you Chat Icon Chat Icon

Posted 8/21/07 9:36 AM
 

CHRISTINEL
My lil Princess... ;)

Member since 7/06

1590 total posts

Name:
Christine

Re: Advice Needed *UPDATE*

dont have any advice for you but I hope it gets better for you and youre DH ... Chat Icon Chat Icon Chat Icon

Posted 8/21/07 10:28 PM
 

Mommy2Boys
My Boys!!!!

Member since 6/06

14437 total posts

Name:
C

Re: Advice Needed *UPDATE*

I'm glad your going to see a financial advisor. The first thing their going to do is tell your husband to get into a 401k!!!!

Posted 9/7/07 7:18 AM
 

Ginger123
Sooo happy

Member since 8/07

1235 total posts

Name:
dana

Re: Advice Needed *UPDATE*

so happy that you are beiing proactive, good for you !! you are a role model for all of us :)

Posted 9/10/07 12:17 PM
 
 

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