“My wife constantly spends money so irresponsibly that it consistently puts our financial viability at risk. When we first moved in together, we each had our own bank accounts and a joint account from which our share expenses were paid. It worked great in the beginning because we budgeted, had our direct deposits split between our accounts and the joint one, and put all our bills on autopay from that joint account. Then she started borrowing money from that account. Then the overdraft fees started to the tune of thousands of dollars a year. Then when she lost her job, I took on the majority of the financial responsibility so she could go back to school and finish her degree. Now she has a degree, has a job she loves, but continues to not contribute financially at all to the continuing enterprise that is our household.”
“The joint account is gone. We talk about how much of a struggle it is for me to bear the lion’s share of the financial burden, but then she tries to make me feel like shit for asking her to contribute. She’s constantly asking me for money to cover her expenses, like her car payment, gas, etc. The newest thing is she’s tied my account as payment in multiple disparate apps she uses. And anytime I try to talk to her about it, she tries to lay a guilt trip on me.
When we first got together, I said all I ever want is a partner. We’re not partners anymore. I would leave, but we have a son together, and his well-being is my only priority. Even if I paid child support to her, I’m terrified she’d waste the money leaving him to suffer. I’m not wealthy by any means. The most valuable asset I have to leave my son is my corpse rendered to that state by any means other than my own hand and the resulting life insurance policy. At this point, all I can hope is that he can cash that in as soon as possible.”