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Fiancé Wants Me to Sell My House

Christine19

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I have a dilemma. My fiancé and I met in August 2024. I am 46 years old and he is 45. We are both neurodivergent, with both of us on the autism spectrum. He also has a learning disability and I have ADHD. As a result, we both have problems with employment, even though we both have college degrees. We have had some professional jobs, but none of them worked out for long. We both had jobs in retail. I have done factory work and housekeeping.
The problem is--my fiancé comes from money and I don't. He was raised in the lap of luxury, with his father being an engineer. His dad currently gets two lavish pensions from his previous jobs and another from Uncle Sam for being a veteran. His parents and him eat out a lot, spending a lot of time in restaurants or getting takeout. They went on nice vacations and bought lots of things. They have two storage units filled with stuff. His father leases a car "in case he needs it."
I was raised in low-income housing for much of my childhood. Lots of violence and theft. No dryer, no A/C, not even a shower. My mother was thrilled to get a house with her new nursing job when I was 11.
He needs to understand that he won't make the money his father did. I won't either.
My mother died a few years ago, leaving me her house. My sister's name is on it as well. It is ALL PAID FOR. However, my late mother was a HOARDER. Last summer, I filled up several dumpsters filled with stuff. There is still clutter. The walls need to be painted, the kitchen linoleum needs to be replaced, the electric heating needs to be rewired, and the hot water tank leaks. The house needs a deep cleaning. The insulation in the basement needs replacing. The pets were given away-yet there is still damage to the trim because of the cats scratching things.
But my fiancé insists that we sell the house and start off elsewhere, in an apartment somewhere. Rents are $1800-$2000 a month here for a decent place. I would get about $60,000 for the place. But then, that money will all be gone eventually.
I don't know what to do. I am so frustrated. My fiancé also hates having a retail job and insists that we must make a lot of money before getting married. I don't think that's something we should worry about. We just need to pay the bills off.
 
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Richard T

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I have a dilemma. My fiancé and I met in August 2024. I am 46 years old and he is 45. We are both neurodivergent, with both of us on the autism spectrum. He also has a learning disability and I have ADHD. As a result, we both have problems with employment, even though we both have college degrees. We have had some professional jobs, but none of them worked out for long. We both had jobs in retail. I have done factory work and housekeeping.
The problem is--my fiancé comes from money and I don't. He was raised in the lap of luxury, with his father being an engineer. His dad currently gets two lavish pensions from his previous jobs and another from Uncle Sam for being a veteran. His parents and him eat out a lot, spending a lot of time in restaurants or getting takeout. They went on nice vacations and bought lots of things. They have two storage units filled with stuff. His father leases a car "in case he needs it."
I was raised in low-income housing for much of my childhood. Lots of violence and theft. No dryer, no A/C, not even a shower. My mother was thrilled to get a house with her new nursing job when I was 11.
He needs to understand that he won't make the money his father did. I won't either.
My mother died a few years ago, leaving me her house. My sister's name is on it as well. It is ALL PAID FOR. However, my late mother was a HOARDER. Last summer, I filled up several dumpsters filled with stuff. There is still clutter. The walls need to be painted, the kitchen linoleum needs to be replaced, the electric heating needs to be rewired, and the hot water tank leaks. The house needs a deep cleaning. The insulation in the basement needs replacing. The pets were given away-yet there is still damage to the trim because of the cats scratching things.
But my fiancé insists that we sell the house and start off elsewhere, in an apartment somewhere. Rents are $1800-$2000 a month here for a decent place. I would get about $60,000 for the place. But then, that money will all be gone eventually.
I don't know what to do. I am so frustrated. My fiancé also hates having a retail job and insists that we must make a lot of money before getting married. I don't think that's something we should worry about. We just need to pay the bills off.
Sorry to hear of your dilemma. Since you have bills now with a home paid for, how will you not have even more bills if you decide to rent? If you do not lower the expenses (including rent if you go that way) to match your income you will soon blow through what you get from the house and be in debt with no home asset. Somehow you need your household income to match your expenditures and hopefully enough to save some money.
If you can do this and make payments on your bills, then you soon are in good financial shape. If you continue to spend more than you make you will end up with very little plus a stressful life.

If you can make such a workable budget, it might be a good Idea to take out a home improvement loan, a home equity loan or something like that to replace the the hot water heater and other essentials that you need and maybe to pay some high interest bills. I would not pay any of his bills though if you are not married unless you want to consider it an "offering."
My advice too is to do all you can yourself to upgrade the house yourself, like painting for instance, perhaps even learn to install luxury vinyl planks etc." Lots of youtube videos that can show you how. As you are lower income, be sure to look at stuff like saver's credit, earned income credit and even new insulation in the basement or anywhere should qualify for home improvement credits.
As to your relationship, be sure to talk though the financial stuff and both of your goals and needs. I personally would never trade home ownership for an apartment unless there is a really good reason.
I will add too that in some states like Utah for instance. The assets you own before marriage are the same assets you take back if there is a divorce. The assets you build together once you are married are the ones that will be split. In no way are you responsible for his debts before marriage and even after marriage.
I am not saying marry or not marry because of finances, I am saying to be realistic with the finances, get the budget in order. I pray you have a happy marriage and can manage the money together for a successful future. God bless!!
 
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tturt

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Yes sorry to learn of your situation. Maybe different based on the state you reside in but worked with a lady who became divorced who paid her bills and he didnt. His creditors contacted her constantly. Said they werent obligated to the divorce creed. Since the debt was obtained as a couple, they were owed repayment from both of them.

Think it's good that you realize you guys have very different views about money Personally, wouldnt sell my house. If more money is required prior to marriage, then seems keeping expenses reduced overall would be a factor. Maybe his dad could finance him getting a degree/training in order to get a better paying, more satisfying job. Does your local church offer financial planning and marriage prep classes? Admire your goal of paying off the bills. Previously searched using "frugal" resulting in hundreds of ideas. Then had to decide which ones would be of benefit.

Hats off to you for all the cleaning you've already done.. Suggest tackling one room at a time or even a portion of a room If you replace the insulation, might want to take safety precautions. Youtube offers lots of advice. Also, could goggle troubleshooting hot water heater.

Of course, praying & asking for God's guidance, wisdom, & strength.
 
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linux.poet

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I would look at both sides of the income improvement spectrum, both in lowering your spouse’s possibility unrealistic income expectations and also at income improvement options for autistic people. I would look into therapy, preferably occupational therapy for both of you, as neutral third party to set income expectations. His income expectations are probably too high, but it’s possible that yours are actually too low. This is because of anchoring heuristics in psychology.

Another thing your need to consider is your expectations for the relationship itself. If you just want a guy to cuddle with and watch movies with, I think you should ditch this guy and get a new one. He is going to push and drive you to more and more success. That’s what his family has programmed into him from his engineering background. I grew up with an engineer for a dad, and I’m a writer and artist so yeah. He’s had a lot of pressure to succeed from his family and dear old dad won’t settle for less. You keep this guy in your life, you’re going to keep this pressure in your home. That’s the bottom line. And it’s unsettling because at 45, you really are going to want to wind down and relax with your partner a lot more. Are you really up for fighting a war?

As someone with ADHD, you’re going to be a lot more physically active and enjoy physical work, such as cleaning and repairing the house, a lot more than he does. I have ADHD myself and I really feel you on that. Your autism may be throwing a raging fit over the amount of sensory stimulation involved with this task though, and if it isn’t already complaining, it’s probably going to struggle when you get to painting and insulation and drywall. I highly suggest getting a good respirator and protective gear. You worked in housekeeping before though which suggests that the ADHD is the dominant force.

To make matters even worse, your husband may have been trapped in physical tasks because they were easy to learn, leaving him to associate physical work with failure. You working in those areas probably makes you feel engaged and valued because it engages your ADHD. Do you see how this is a problem? He’s cutting you off from a project that you might actually like (a little bit).

Usually the way to increase your income on the autism spectrum is by monetizing special interests in low contact fields, such as programming, mathematics, and yes, engineering. However, your husband might have a different special interest than his dad, and even if he has the same one, his learning disability might complicate it. But eventually that area should cycle up to normal range.

The path to dealing with ADHD income cycling is actually backwards. You get rid of your expenses by taking on more physical work until you can engage your hyperfocus mode(s). For example, a garden will reduce your food expenses. Your brain already knows this, which probably is why it’s trying to hang onto the house. Put in some physical work now, reduced expenses later. You look on the horrendous way your fiancé’s family spends money and your brain sounds a safety alarm that it will never work for you. Your brain likely has already sold the stuff from the units on Craigslist and OfferUp, taken the rental car back to the dealership as a financial liability, and found the recipes from those restaurants to make it at home so you don’t have to endure social awkwardness as the price of dinner. But perhaps you never got to step 2.

And to be honest, I don’t blame you. And maybe you can’t engage hyperfocus mode, maybe your autism complicates it. It’s possible that someone could have an autism special interest and an ADHD hyperfocus trigger on the opposite sides of their brain. But I tend to think that isn’t what’s going on, seeing as your post reflects a physical hyperfocus mode that actually works. That means you probably have mental and emotional triggers for hyperfocus mode as well, and your ADHD hyperfocus triggers and autistic special interests may actually be aligned. That would place your ADHD as the driving force and produce the behavior you have described in the first post.

However, I’m just a layperson who has ADHD. I think both of you need to talk to a therapist, either separately or together or both, and try to sort all of this out.
 
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