Expensive Penny,

I’m 63, and my man is 65. We’ve been collectively for six years. He has a self-made enterprise with vital actual property holdings. We’re each retired. 

One in all his two sons is taking on the enterprise utilizing a well-thought-out transition plan. I even have two grownup sons who’re doing effectively. I’ve no debt and personal a house, plus I obtain $90,000 a 12 months in pensions. I even have a Roth IRA and shares value lower than $250,000.

Right here’s my query: If we marry, is there some type of reference studying you may suggest for how you can pretty divide bills? We might have a prenup, after all, as I’ve no proper to his belongings. I wasn’t concerned in his efforts to construct and function this enterprise, in order that clearly belongs to his household.

We presently dwell in his home and winter in Florida. About all I present is groceries and cable. We personal nothing collectively besides a Florida checking account for utilities and bills associated to repairs.

I need to pay my means, however he gained’t permit that fairly often. He does make snide feedback periodically that I don’t have the cash to ante up for one thing sizable, akin to building in Florida.

Finally, he has his and I’ve mine. How will we make issues ours with out making it seem that I’m a gold digger?

-Not After the Cash

Expensive Not After,

Hearken to your boyfriend the following time he makes one in every of his snide remarks. Is he actually speaking a few massive buy he needs to make? As a result of it seems like he’s taking intention at you. Extra particularly, is he speaking about what he needs to do, or is he telling you what you may’t do?

When you’ve advised your boyfriend every part you’ve advised me, it must be apparent that you simply’re not after his cash. Nor do you want it. You’re a financially unbiased girl. You will have much less belongings than he does, however you even have $90,000 a 12 months in pension income, which is assured for all times. You get that cash it doesn’t matter what occurs to the stock market or actual property values.

Earlier than you determine how you can cut up bills, let me ask you: Do you actually need to marry somebody who makes you’re feeling like a gold digger?

Not often do you fall in love with somebody who has the very same web value and earnings as you. Simply as one particular person will in all probability be taller or fatter or funnier, one particular person will in all probability be richer.

Splitting bills when one person has more money isn’t rocket science. You possibly can every fund your joint account primarily based on the proportion of earnings you usher in. So if his earnings is thrice increased than yours, you’d pay for 25% of your mixed bills since you usher in 25% of the earnings.

However the truth that he refuses to allow you to pay for greater than cable and groceries is an enormous crimson flag. When you’re telling him you need to pay and he gained’t hear of it, he’s not listening to you. It could look like generosity, however I fear he’s revealing his deep-down perception that you simply’re not his equal.

It could be tempting to disregard your boyfriend’s remarks if he’s solely making them often. However don’t let him off the hook subsequent time he says one thing impolite about your funds. This may be so simple as asking “What do you imply by that?” or “Why would you say that?” to pressure a dialogue.

In case your boyfriend makes these feedback when discussing an precise aim — like if the brand new building in Florida is one thing he actually needs, slightly than only a hypothetical — you may discuss concerning the logistics of creating it occur. A giant buy may very well be a bit trickier than splitting bills since he in all probability has much more money to place down than you do. But when that is an precise aim, there are many options. Possibly he may pay money and solely put his identify on the deed. Or maybe you might take out a mortgage and cut up the associated fee every month in keeping with your respective incomes.

But when he’s simply pontificating concerning the issues he can’t do with you, that you must rethink this relationship. You’re not holding your boyfriend again from something. Don’t let him persuade you in any other case.

I believe you’ve made it clear to your boyfriend that you simply’re not after his cash. He’s the one with the issue if he nonetheless doesn’t get that. If he needs somebody of equal wealth and loads of money to ante up, he’ll have a really restricted pool of potential companions to select from. However that’s his prerogative. In that case, he could must take pleasure in that Florida building alone.

Robin Hartill is an authorized monetary planner and a senior author at The Penny Hoarder. Ship your difficult cash inquiries to [email protected].

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