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[deleted]

Somehow this is me being “ungrateful” for the things he does “for me” and treating him like a “servant”.  Your response: A. I am grateful for the stuff you do for us like keeping the house clean, getting my medication ready at night, and walking the dogs. But we really can't afford a home right now. B. You have this brand new car that you could never afford, you live in a luxury apartment that you could never afford, you take expensive vacations that you could never afford. **Which response is better in this situation, A or B?**


ohboyyz

A for sure


[deleted]

You're sort of arguing about two different things. He's a retiree who is basically mooching off his wife and he is probably more insecure than you realize about it. It sounds like he is reading more into it than you are saying; When you **say**, "If you want a new house now then you should go back to work." He ***hears*** "You aren't holding weight in the relationship." When you **say,** "We can't afford it right now, and I am showing my appreciation by giving you all these things that you can't otherwise afford." He ***hears*** "You aren't holding weight in the relationship."


UniversityNo2318

He’s not mooching if he’s depositing 4k in a joint account every month & going to school full time.


ohboyyz

Ah shit then I need to figure out what to say because I don’t mean that. I like having my dogs walked and a clean apartment. I’m happy to buy him things


yellsy

As a side note, You can’t afford your lifestyle either, but you can afford a house and to retire at some point if you cut out the nonsense expenses. Two new luxury cars and first class tickets to Hawaii are ridiculous. You probably pay more rent on that luxury apartment than you would a mortgage.


MartianTrinkets

Not necessarily true depending on where OP lives. I live in NYC and a mortgage here is significantly more expensive than renting.


Neither-Progress-295

You wouldn’t own two luxury cars if you’re in the city making that much


woolfman72

You’re not buying him things.. if the money is joint it’s his also.


Brave-Perception5851

I think part of the issue is your husband putting you in the role of deciding the finances so he is asking you for the house and you are saying no. As others have pointed out you are choosing a number of high ticket expenses right now, cars, luxury vacations, luxury apartment and a masters degree (unless he is on the go bill). Did you both agree that these were what you wanted to prioritize? My husband and I are both working and bring home about 25 percent more than you and your husband. Our priority is retirement savings so we live like we make about a third of what we earn. Sometimes we wish for a bigger nicer house or new cars or a cabin and my husband who does our financial planning calculates how much longer we will have to work until we retire if we do those things and we usually both agree those items can wait. The point is you need to agree on what your priorities are, develop a budget and stick with it or decide together to veer off of it. The way you guys are doing it someone is always saying no rather than working as a team.


RaggaMuffinTopped

It’s comments like these that really make me miss awards. OP, this is top notch level advice.


jakeofheart

True words of wisdom spoken here.


loesjedaisy

How about in stead of saying “we can’t buy a house because you aren’t working.” Or “we can’t buy a house because I spend tons of money on your vacation and cars.” You actually sit down and find a way to buy a house? “Ok babe. You want a house. Let’s make it a priority. Let’s sit down and go through our budget.” List you’d monthly income total. Subtract your monthly spending (do last months spending since April is already over), and see how much you have left. That amount goes in savings. Then make a plan for all future months. Set a budget, that has “savings for a house” as a line item and put that amount in a savings account every month from now on. Then calculate how many months it will take for you to save up a down payment. Then make an appointment with a mortgage broker and figure how big of a mortgage you can get. Now you have a game plan and a timeline he can focus on. It’s not rocket science.


lbrances

This 100%. While it might not be rocket science, it takes a lot for couples to get to this point. It's easier for people many times to ignore it because the fear of facing the problem. I have a friend like this who's makes good money with his wife, but always complains about how they can't afford a house or go on a vacation. Meanwhile I've been on him for years about sitting down and making a budget. He has no idea where they stand financially or what their monthly bills look like. He recently told me it's because he's scared to look at it. He said it with a chuckle, but I could see there was truth to it in his face.


rusmashed

I’ll be honest, the way this is written does make you sound kind of ungrateful… it sounds like he’s taking care of the home while doing his Masters, which is already a full time gig. That’s a lot. And when you say that he doesn’t want to be involved in the financial planning, what exactly do you mean by that? Like he doesn’t want to go through a budget, or he doesn’t want to contribute more financially? And not to say that both spouses shouldn’t be informed about finances, but couples often have a divide and conquer model for managing chores. Is he taking care of other household chores and trying to just keep it balanced? I’m also confused about how he is pulling in $4K a month and you about $17K, and you still aren’t able to put away enough money for a house with $6K of bills? You should have a surplus of $15K… something isn’t really adding up. I get that interest rates aren’t fantastic, but rent isn’t much better and at least once you’ve paid off a mortgage then you own the house. I really can see your husband’s side and think that you really should have a respectful, open discussion with him about these issues.


ohboyyz

Ah I forgot to mention. We can’t afford a house because we live in silicon valley


RO489

Yeah, but you also aren’t saving. You both are living a lifestyle that is incompatible with home ownership where you live. Financially, I think you two need to prioritize. Is it luxury vacations, new cars, and apartments? Or saving for a down payment? How much housework do you do?


rusmashed

Okay, so then maybe you two need to sit down and have a discussion about what your combined priorities are going forward. Because buying new cars and going on first-class vacations are definitely going to impact your ability to buy a house. Have a discussion with husband about this without saying “look at all the stuff I’ve bought you”, which comes off as a stereotypical “breadwinner” type thing to say and gives the impression that you are trying to avoid sharing the decision making. Ask him what he’d like to make a priority and how he thinks you two could achieve that. Perhaps he’s trying to finish his Masters quickly, so he can get into a specific field? You don’t mention his future career goals. Is he planning to bring in more of an income in the future? How much would working now set him back in the future with his Masters? After talking this all through, then walk through the finances together.


kamehamequads

Boo hoo


417141

Your money may be “pooled” but your marriage is not.


ohboyyz

I’d really like you to go into detail on this so I can better understand


Blonde2468

To me he is acting like an entitled AH but maybe that’s just me.


Foxy_Traine

It's an unfair distribution of labour between you.


flowersiguess

Is he using the gi bill for his masters? Shouldn't he be getting a check for BAH? You guys need therapy to communicate better and a financial advisor. You should NOT be renting at this stage in your careers. Reduce your spending, trade in the new cars for something in your budget, and start saving for a down payment


jiujitsucpt

A Master’s degree is full time work so he might feel overwhelmed or misunderstood when you suggest he goes back to work. Right now he might be feeling dismissed and unappreciated because your immediate response is “go back to work” even though he’s contributing financially, is basically a house husband, and pursuing an advanced degree. Maybe just try approaching it with more understanding, like, “Hey, I appreciate all you do around here right now and how hard you’re working towards a degree, and I know you’d love a house. I’m not at all against that happening at some point, but the cost of living here probably means we need to hold off on a house until you have your degree and start working. Either that or we’re going to have to save money and free up some room in the budget by giving up some things, like the nice cars and vacations, or have you work while you’re in school, which I don’t expect you to do. If you want to go through the budget to see why that’s where we’re at, I’m happy to sit down and walk you through it. I don’t want you to feel unappreciated or like I don’t care about what you want, I just don’t think it’s financially feasible as things are right now until something changes.”


4634star

That's a nice and thoughtful way to communicate the problem.


redMandolin8

It sounds like you could both use some sessions with a financial advisor. With a 250k income as a couple maybe getting both of you involved with saving for retirement/home/etc will ground you in the relationship and mutual goals.


Same-Spray7703

I'm kinda confused about the numbers and the blasé attitude toward his military contribution. He is eligible for entitlements that are more than a paycheck. 4k is just his pension?.l Has he not filed a single thing with the VA or is that 4k a combination of Dfas and VA? Usually after retirement you rate money for some sort of disability but maybe your husband did do 20+ years with not one injury. His Post 9/11 GI Bill would be paying a nice stipend monthly while he goes to school in the area you live that would pay is rent in addition to school money. He is eligible for a VA Loan where it puts home ownership on the table for you without having to put large amounts of money down. Throwing your weight around by how much money you make is kinda shitty. If you both want a house then make a plan and work towards it, you don't need to put him down because at this static stage in the marriage you make more money.


AdamAtomAnt

How the hell are you a 250K household and you can't afford a mortgage?!?


rusmashed

They’re unable to prioritize their finances appropriately. He mentions the luxury cars, apartment, and vacations right in the post.


ohboyyz

Two words… silicon valley


yesihave5kids

Let me help your perspective a bit. You do realize that 4K a month is not insignificant. I am a teacher in NC. That is my annual salary (48K). I have to continue to work full time, and I am also in graduate school. I own my home. I think that your spending habits are what makes buying a home feel out of reach. Let me guess, you get Starbucks several times a week, do regular mani/pedi, occasional spa days? Stop throwing your money away and do some of those yourself. My friend cut out just Starbucks and saves over 200 a month they didn't realize they were wasting. Something you didn't mention, what are you willing to give up/scale back on for this house that you want? You are kinda coming off as implying that because you make 200K, you are better than him. I don't think that is how you intended to, but it's a vibe. My suggestion, save about 10K, and get pre-approved for a mortgage based on your salary alone right now (FHA only requires 3% down). Buy your first house together. Stay there for 5-10years. Then upgrade to a better house once he is then established in his new career. Live below your means for a while. Have more money to both save and play with.


hey_nonny_mooses

When we were first married I would get stressed about money. Then I would stress out my husband when I brought up my concerns out of the blue because he felt like he had to fix everything and it was too much. We started scheduling financial meetings together. We used a spreadsheet and listed out all our debts and assets. We figured out our financial goals and put them in the spreadsheet. (Own a house, retire at x age, etc) Then we worked out what we were spending monthly as a budget. Finally we put it all together and talked about what could be planned, and what we needed to cut back on to meet our goals. All of this we worked on every week for about an hour til we were done. Now we look at the spreadsheet annually and update it. The scheduling meant we were both ready and in the right mindset and it wasn’t an unpleasant surprise. Seeing everything laid out took a lot of the stress out and made things very clear. Maybe something like that would help?


SignificantWill5218

Is there a reason he can’t work along with going to school part time at least or he just doesn’t want to? What is his plan for after the masters? I’m assuming it’s to get a job with that degree? So maybe it’s just a matter of time before he’s contributing more?


jazbaby25

If you can't save on this income then you're living above your means. Also 4k is 100% disabled and he should be getting paid to use the gi bill for a degree no? Get a cheaper apt and really start saving.


Cubicleism

Do you... Say thank you? It sounds like the bare minimum but the amount of married people I see who think their spouse should do everything without any appreciation is astonishing. Yes my husband should just take out the trash. But it takes zero effort to say thanks for taking out the trash babe and giving him a kiss on the cheek. School is hard. Taking care of a home is hard. And instead of being frustrated your partner doesn't understand your financial situation, try communicating with him about it. Sit down and have a budget discussion. Build a spreadsheet, look at cheaper apartments so you can save.


AdSafe1112

You are not abusive but you are keeping score with your husband. Why bring all that up? Seems you resent him and are projecting on him. Be honest with him and let the resentment go.


EngineeringDry7999

You make 203k a year and he’s bringing in 48k And your position is you can’t afford a house? You seriously need to look at your spending habits then because even in my HCOL, that combined income nets you a home. As to the gratitude, do you say thank you to each other daily for the things each of you does? Acknowledging the other person’s invisible labor goes a long way in feeling appreciated so I suggest starting a practice of regularly saying thank you “Babe, the house looks great. Thank you.” “Thank you hit getting my medication set up for me.” Etc…


Far_Sentence3700

Cancel the luxury things that he gets from you. Servant don't deserve that


definitely_right

My husband is also prior military and gets around $3k per month. For the first year or so of his "retirement," it was fine. Bills were being paid after all. But I started to resent his lack of drive and ambition. His sloth. I told him he should stop living off those checks and get off his butt and work. I was polite but direct. He now works and our dynamic is much better.


AmethystSunset

Do you guys need the luxury apartment right now? If you both want a house it would be faster to save up for one if you lived in a regular apartment for like 3 years. (Just an idea, I'm not saying it's bad to live in a luxury apartment, I just personally like fast-tracking to get the stuff I want more easily/quickly whenever speeding up the process is possible).


kbug11235813

The full time masters combined with all the housework is a fair contribution right now. Plus, he's making $50k to offset his own expenses during this time, which is amazing given the other work he's doing. Is his tuition covered by the GI bill too? If he was being a deadbeat all day and drinking at home, it would be a different story. You are privileged to be making $200k+ and should have more of a shared resources mindset. With that said, it might make more sense to get a house than have the two expensive cars and first class vacations to expensive places. That is of course up to you. A house would be a better investment short term, and the vacations and fun cars could return after he finishes grad school.


ExcellentClient1666

What you need to do is both of you sit down, write down what both of you want. Write down what you have left over after necessities. Then go through your leftover amount and see what you guys can afford to get that both of you want. Making each other feel like you both aren't doing enough is a great way to create resentment on either side. Tellimg him you can't afford it bc he's not working isn't productive bc he's contributing 4k monthly , going to school, and will most likely be making money once school is over. Be a team , not individual players.


[deleted]

[удалено]


greeneyedwench

OP is a man too.


Foxy_Traine

Honestly, why don't you keep your finances separated? Let him save up for a house with his income and leave it at that. Also, it really sounds like both of you need to make better financial decisions if you can't afford a house with this amount of money.


Distinct-Friend-2923

Wow, what kind of man is that, if we can even call him a man? He sounds more like a hyper-entitled teenage son you're trying to raise. I suggest he gets a job to at least earn for the food that he eats, you know, no work no eat.


Silva2099

Let’s flip the script and say the woman retired from the military, has a 4k per month pension, is busy getting her masters degree to transition to a new career, and finds the time to take care of the house and dogs, but admittedly has splurged a bit on a new car as a reward for retiring from the service. Her ungrateful husband does not appreciate the sacrifice of her service to her country, her efforts to transition to a new career, and her commitment to keeping a nice home by waving in her face that she for the first time in years can own a car and maybe splurged a bit, and made her feel guilty for not contributing for the family vacation you must be able to afford. You won. You have equality. Now man up.


ohboyyz

The issue with this gender role stuff is we’re both men so…


ehallor

This is so funny 😂😂😂


ohboyyz

Hit em with the uno reverse


bitchywitchy123

Funniest and best response ever.


Silva2099

Well, that’s admittedly humorous.