Money and property often become sensitive issues within families, and women are often the most affected. Research shows that about one in three women relies financially on their husbands, leaving them in a difficult position if the marriage ends. That’s why having personal financial security is so important—it provides stability in the event of the unexpected.
One of our readers recently shared her perspective. Though she describes her marriage as happy, she has chosen not to include her husband as a co-owner of the house she plans to buy. Here’s her story.
Message from Laura
Hi everyone,
I need some advice about a difficult situation with my husband and the house I’ve been working toward buying.
I met my husband, Michael, when I was still in college. His family was quite well-off, while I was drowning in student loans. When we decided to get married, his parents required me to sign a prenup. I didn’t have a problem with it—it stated that our finances and assets would remain separate unless we both agreed otherwise.
Since then, we’ve been living in a house owned by his parents. Michael has never really wanted to purchase a home of our own, but I’ve always dreamed of it. I’ve worked hard, saved carefully, and eventually managed to put together about 35% of a down payment. Recently, I finally found a house that feels perfect for me, something I could truly call my own.
But now, out of nowhere, Michael has said he wants to co-own the house with me. He insists that we should be equal owners and split it 50/50. The issue is that he doesn’t have any savings—in fact, he has quite a bit of debt. His parents even cover some of his monthly expenses. I know there’s no way he can actually afford his half.
Michael told me that if I don’t agree to joint ownership, he won’t move in with me. He says it feels like I don’t trust him, and he takes it very personally.
I don’t know what the right choice is here. I’ve worked so hard to reach this point, but I also don’t want this to damage our marriage further.
What would you do in my situation?
Thanks in advance for your advice,
Laura
