Dear Penny: My Fiance Was Laid Off. He’s Fine With Letting Me Pay the Bills Forever

Dear Squeaking By,

Try saying this: “I am stressed about our finances.”

Say it when you’re sober. Don’t say it after a hellish
workday or in the middle of a fight over whose turn it is to scrub
the toilet. Say it soon.

Then say: “I’d like for us to talk about our money plans and
goals.” Schedule a time, day and place to have a talk.

You didn’t just wake up last week feeling the pressures of
being the breadwinner. This has been building for nearly six
months.

And it’s understandable why you’ve been avoiding the
conversation. A job loss is often about so much more than the loss
of income. We derive a huge part of our identities from our jobs.
Think about how often we learn someone’s name and immediately
follow up with, “What do you do?”

So it’s tempting after a significant other’s job loss to
jump into the role of supportive partner and absorb as much of
their burden as possible. But you’re not a sponge. You can only
absorb so much stress.

It sounds like your anxieties are spilling out in the form of
“You should get a job”-type statements. And any conversation
with a partner that focuses on what they should or shouldn’t be
doing is pretty likely to end in an argument.

But it’s much harder to argue with an “I” statement, e.g.,
“I’m feeling stressed about money, and I’d like to discuss
that.”

Your goal in this conversation isn’t to assign blame; it’s
to come up with a plan together. You’ll want to talk about what a
realistic time frame might be for your fiance’s job search, how
to adjust your budget while you’re living on a single paycheck,
how to reprioritize your goals for now and his options for earning
money while he’s unemployed.

Be prepared to listen as much as you talk. It’s not OK for
your fiance to unilaterally decide to make you the sole paycheck
earner, but understand that he may have serious anxiety surrounding
the job hunt that he hasn’t communicated.

If you follow these steps and your fiance still refuses to talk
or accuses you of nagging, I’d urge you to think carefully about
whether this is a viable relationship.

You need to be comfortable talking about money in marriage.
You’re not being selfish or unreasonable for wanting financial
security and the ability to splurge on a vacation or a night out.
You deserve someone who gives you space to communicate about your
goals and what’s stressing you out, even when it’s a difficult
conversation.

Sometimes silence is more powerful than words. If your fiance
isn’t willing to have a dialog, what he’s communicating is a
lack of respect for you. That, unfortunately, is a problem that
will linger long after he’s found a job.

Robin Hartill is a senior editor at The Penny Hoarder and the
voice behind Dear Penny. Send your questions about having difficult
money conversations to AskPenny@thepennyhoarder.com.

This was originally published on
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Source: FS – All-News2-Economy
Dear Penny: My Fiance Was Laid Off. He’s Fine With Letting Me Pay the Bills Forever