/biz/ - Business & Finance

>>879904
You made a wrong decision when choosing your wife

FYI she is 51 and I am 55

>>879909
And still you have debts huh, convince her to work more.Tell her its for retirement.

>>879911

I already have and thats whats worrying me. She thinks this passion of hers will make her happy and a lot of money

I don't know where she is getting these ideas from. I usually try to keep my space and let her do her own thing, but the mortgage and retirement isn't going to pay for itself!

>>879909
>paying a mortage
>at age 55

Might as well throw your money out the window

Your wife needs a vacation and is overanxious for retirement.

>>879918
Yeah I KNOW.

But what do i tell her?? Combined we both make $185k annually

Breaking news: Women are bad with money and have unrealistic expectations about life.

>>879904
Quit your job too, and leave her

>>879922
>Combined we both make $185k annually

So your wife makes more $$$ than you, wants to change her life and you're bitching and whining because your allowance might get cut and you have to give back your car, right?

>>879909
>being 55
>asking advice from a bunch of business and economics undergrads

>>879909

you really want marriage advice from 19 year olds?

>>879967

Maybe 10% are college students. 5% professional. Rest are NEETs from /b/ and /g/ pretending to fit in.

>>879955
More his dumb bitch is making a rash decision that will leave the finances fucked and him carrying the consequences. Guarantee they live beyond neccesity and have very little saved due to her part. I can only imagine this old bag blasting through money all the time, but now just suddenly wants to stop working and start some stupid business with the idea that money is just going to flow in with little to no work.
I pity OP for not keeping his woman in check, but that menopause is a son of a bitch.

>>879904
She's fucking a Mexican that's what. Feel sorry for you

Let your wife follow her passion it isn't all about money in life. You just dont want to get dirt poor.

>>879904
Tell her to take a 2 month vacation to a beach in a sunny country, to heal the burnout. Afterwards - back to work.

Or, take a chance, and actually let her follow her passion - who knows, many shekels may result.

>>880168
>it isn't all about money in life.

>>879904

sorry to here this OP. But, if I had to guess. She wants to fuck BBC all day as you work.

>>879904
>Lately shes been wanting to just "get away" from her boring job and do something more "fun" and "exciting".
prepare to be cucked

>>879916
What's her passion? And why are you paying a mortgage

>>880275


hello fellow /pol/ poster

>>879904
I don't have an answer for you. You either instil some sense into her or go back in time and avoid marriage altogether.

Did you thought when you married her that would be so irrational at this age? Was she like this before? Could this have been avoided? I'm scared about pulling the trigger with the wrong woman and find myself in a fucked up situation like OP.

>>880276
He doesn't know and she never told him because it's probably something she's just thought up or her girlfriends have tuned her into to.
You have people who swear they have a "passion" or a "calling" and they have zero ambition, suck balls at whatever it is they want to do, have delusional ideas about it, and go in completely unprepared failing super hard.
My mother and sister sit around talk about how they have a passion for cooking and want to start catering services and do nothing but sit on their ass, wish for angel investors, and do zero research into even starting. Passion is bullshit with out ambition, knowledge, and planning. OP's wife is diving in to something blind and thinks it will just magically make life rainbows.

>>879904
> Lately shes been wanting to just "get away" from her boring job and do something more "fun" and "exciting".

You're about to be cucked. Hide your assets while you can

>>880280
>Did you thought when you married her that would be so irrational at this age?
You never know man. Even early on. There "might" be signs but most guys ignore warning signs in the name of love. Some women go years being great partners then all of a sudden shit clicks.

Hey op remember that time when you signed that piece of paper that says you are to support your wife financially even if it's for bullshit reasons like her being too lazy and wanting to take up feng-shui pottery or something?

>getting married

>>880285
I left my last gf when I couldn't overlook the signs any more. My concern is not seeing any signs altogether.

Fuck this gay earth.

>>880283
Hide yo wife hide yo kids hide yo husband cuz they rapin errybody out there

>>880286
>being a life long bachelor
Feels good my man

>>880316
I know man

marriage is the biggest scam women ever pulled off, even better because they manage to sell it so that the guy will go on his knees and beg her top kek.

you only live once man

if youre already in your 50s and still reaching for your dreams then you better step up and grab them already because time is running out

sorry to be so blunt but if you wait till you're 70 it will probably be too late.

just remember even as a broke welfare american living below the poverty line, you are still better off than 50% of the world or whatever who live off 1$/day

>>880168
>follow her passion it isn't all about money in life
easy thing to say if OP has to pay for it lol

you dun goofed op, best start slowly taking out money in cash, like >$1000 a week and burying it somewhere. Then you'll come out as having a gambling addiction and you'll at least be off the hook for those assets during divorce. You'll still pay alimony though. From your other post I gather you make around $85k, which makes it an expensive divorce since your wife will probably be painting or something thus making no money.

>>880320
Marriage is always to the financial benefit of the woman.
Divorce judges and lawyer try to get the biggest payout they can for women. Even after your dead they try to leech you of money. My mother talked to a social security lawyer who pretty much told her that if her ex never gets remarried or has a will all his benefits will be passed on to her. Supposedly they shared a cackle about it over the phone. I know some guys swear that there is just something so special about getting married but I don't subscribe to their nonsense.
>>880322
Save that bleeding heart bullshit.
No one cares about 50% of the world when they are going through their own personal trials. Same for the bastards working for nothing in other countries they aren't thinking about richer countries in their day to day issues.
Him comparing himself to some third worlder isn't going to fix his mortgage issues, the coming bills he will now have to tackle solo, and a whole host of shit because is goofy wife wants to drop a paying job to follow some unspecified day dream. The world isn't as simple as you imagine.

>>879904
Give her the D.

>>879940
This just in: one lone female does not make a large enough sample size to make statistically useful conclusions about the entire population of females.

>>880357
do you legit know any woman who is even mildly good with finances? Like who knows what savings rate is, who has an investment portfolio, has plans for (early) retirement or has any insight in her finances except "paycheck monday, rent wednesday, shop friday, wait 3 weeks, repeat".

From all the women I know there's only one I know who's actually serious about finance, and I almost solely know academically educated women.

>>880357
I don't need stats to back my post, I've seen enough in my own life experiences.
Keep quiet and you might learn something.

>>880360
They also use payday loan like crazy (more than men) instead of budgeting and saving.

Maybe you should stop putting all the blame on her. After all, every decision (the jobs you've both chosen, your debt decisions, etc.) have all been made together. Maybe she shouldn't be dropping ship when your joint net income situation is very dependent on her current job. Maybe, however, you should've both seen that taking a 30 year loan in your 40's was a bad idea.

Hell, she would have the freedom to make that choice in the first place if YOU and she didn't choose to put yourself into such an extreme debt position in your pre-retirement years.

Take some fucking responsibility for your current situation, man...

>>879921
This
You're being a pretty shit husband if she's already bored. Maybe get her a puppy and some counseling

>>880387
>Wife spontaneously quits job
>"Take responsibility, man."

>>880360
Yeah, my current girlfriend. She's at least as responsible with cash as I am, in a better debt position, has worked as a Financial Analyst, we budget together, she doesn't care if I don't spend money on her if our current financial situation doesn't warrant it. She and I both see children as being a burden on your net asset balance position.

I have a real keeper, guys. It's not hard to find a woman with some brains and financial sense if you worry about a little more than her boob size. This goes double for girls that you need to buy to have their affection. If you have to spend money to keep them happy (IE, they rely on their man to give them what they want financially), they don't know shit about handling money.

>>880392
>Yeah, my current girlfriend.
This just in: one lone female does not make a large enough sample size to make statistically useful conclusions about the entire population of females.

>>880391

The quoted poster didn't say to absolve the wife of all responsibility. Marriages have constant tension balancing each others' needs. The blame game, which you seem to be referencing, solves no problems and is destructive.

>>880394
I agree (As I was the first person in the thread to say it): My answer was a response to the challenge "give one example of a girl who is good with finances". I never made any generalizations about the population; I only gave the one example, as requested.

>>880028
Fitting in fine!
>don't judge me

>>880397
Poster pretty much glossed over the wife's action and goes on about their earlier financial decisions. Their prior decisions no matter how poor in anyone's opinion doesn't change the fact that she's slacking off her side of the partnership. Telling op to take responsibility for her negligent actions and for past actions is silly.

>>880415
Hey, she hasn't quit her job yet and she's the primary breadwinner. I'm just saying that OP has to take a little bit more responsibility for his joint financial situation.

>>879904
Sounds likes already madeup her mind. Shes been planning this for a while..
Logic or reason wont work on her at this point, you have to somehow pull off a inception on her feelings, if that dont work then time to start bailing out on that mortgage and tell her brother to fuck off.,

>>879922
> 185k annually
> in debt

Well someone has been living way beyond their means.

>>880424
Yeah, seriously, but it's all the wife's fault for earning more money and hating her job...

>>880429
Well you can bet that she was the one pushing for a bigger house than needed.

>>880430
Without knowing the true details of the situation, it's hard to say who pushed for it.
There are 3 possibilities:
>she pushed for it
He should've made the point about the financial mess that they were getting into. As the secondary breadwinner of the house, entering unnecessary debt should make him feel uncomfortable.
>He pushed for it/they both wanted it:
Absolutely no excuse.

Either way, OP is cucked by this position and needs to stand up and work to fix it instead of just whining about what his girl (agian, primary breadwinner) is considering doing.

>>880387

1/10 bait

back to reddit.

>>880448
Why do you guys sympathize so hard with OP here? He isn't the primary breadwinner here. They both made bad financial decisions that lock them into their jobs. The fact of the matter is that his wife could quit her job tomorrow and it's her choice.

He can bitch all he wants on a board full of NEETs, but it doesn't change the fact that he has no leverage in this decision because he makes less money than his wife does. Maybe he should work to fix their problems a little bit instead of just blaming his wife.

For instance, depending on the age of the loan, refinancing might make his wife quitting her job feesable. Or trying to find a new job that picks up some of the financial slack. Renting out a room in the house and trading his wife's happiness for a little bit of space in their house.

That's 3 solutions I came up with while writing this post that don't involve the pussy of the relationship whining and moaning.

>>880455
>Why do you guys sympathize so hard with OP here?

That is the only thing 4chan needs to hear to have an opinion.

>>880455

>Why do you guys sympathize so hard with OP here
Because OP is not the one being a child or an 20 something college girl here. OP is not the one bailing ship on the financial responsibilities of the marriage.

Isn't this shit just what they call a midlife crisis?
Why is someone so old on /biz/?
Pretty sad tbh.

>>880435
this so hard

men don't care about houses, they'd live in a cardboard box if a woman would let him fuck her in it

>>880392
>She and I both see children as being a burden on your net asset balance position.
>I have a real keeper
Maybe if you're a soulless libertardian kike

>>879904
Get her to cheat and then divorce her. If she cheats you might be able to get out of any kind of annual payments.

Sounds like she's gone crazy.

>>880513
if you believe you needs kids to be happy I seriously feel bad for you bro.

>no kids
>all this cash
>all this free time
>all this rustling

>>879904
>2015
>wife

>>880514

or...

>let her quit her job
>take out the max life insurance on her
>post on craiglist that you are looking for gay AID filled sex
>give faggot $1000 for his faggot AIDs blood
>give AIDs to wife

now two things can happen

>divorce wife because she cheated on you
>because you don't have AIDs
>no alimony

or

>wife dies
>get life insurance money

>>880526
not sure if you know how aids works m8

besides
>she cheated
>no alimony
is not true. the govt doesn't care about who cheated or whatever, they just don't want to be the ones to end up paying for a single mom

>>880392
>if you worry about a little more than her boob size
Flat chested gf detected

>>880435
>she pushed for it
It's his fault
>he pushed for it
It's his fault

That's some female logic right there

Does she make more do you? Do you live in a state that splits marital property and income 50/50?

If so, divorce her. She'll have to pay YOU alimony.

>>880550
DD - DDD, depending on bra brand. I just said that boob size wasn't the ONLY criteria I had...

>>879904

I haven't read the whole thread yet....

but life is short, and if you guys can make things work she should do what makes her happy, and you the same.

>>880553
Regardless of who pushed for it, he does bear fault. Any house purchase that (after making the down payment) can't be afforded by one of the couple is STUPID! After all, somebody can die and divorces happen. If his income would be enough to cover this mortgage, they'd be fine. If her income can handle the mortgage, then they'd be fine too (since her plan is to quit her job and pursue new things, she'd only need to make 20k on those new ventures to be okay).

This mess is his fault just as much as its her fault. But at least she's the primary breadwinner and at least she isn't bitching on the web about how all the blame falls on him.

>>880616

>globe rule.

>>880394
REKT
E
K
T

>>880638

Yeah, have fun living in a tiny hovel. Most of the additional earning power that has been generated through women entering the workplace has gone directly into house prices, so now you need two salaries to have a decent home. It's naive to think that people can easily afford a home on a single salary, or that one partner's earnings simply constitute 'pin money'. It depends what the wife wants to do, but setting up any kind of self-employed business tends to cost money for the first couple of years. The obvious option, and the one that's open in the instance of death or divorce, is to sell the house and buy somewhere cheaper. In the end though it's a partnership, and she shouldn't be making unilateral decisions that will have a huge impact on their future financial security.

>>880526
>AID filled sex
>AIDs blood

>>880616

38DD? 40DD? 42DDD?

>>880392
>I have a real keeper, guys. It's not hard to find a woman with some brains and financial sense if you worry about a little more than her boob size.

My gf was smart with her money. She has a degree in business. But her boobs are small and I couldn't get over that. She left me last month. You are lucky.

>>880283
This is the correct answer.

>>879904
Tell her how irresponsible she's being without coming up with a plan before leaving, how it's unfair to you, help her figure her shit out, set her up with some headhunters, etc.

If she's burnt out, she's not going to be there much longer though, so the only real solution is to make sure she has some direction to go in when she leaves.

>>879904
You could stop telling lies on the internet.

>>880392
>She and I both see children as being a burden on your net asset balance position.
They all say that, wait a few years.

>>880526
>>divorce wife because she cheated on you
>>no alimony

That's not how it works. The courts don't give a shit about who cheated.

>>880515

dead man

>>879904
So she expects you to pay your debts & pay off her brother while she has fun? Top fucking kek.

>over 50 years old
>still working shitty job
>has debt and gives junkie brother many salaries every year
>thinks will magically make it without a job, with no skills and no plan
Mega kek. People these days.

I'd start looking into getting a secret bank account and do some savings of your own. That way you get some money safely hidden from her brother or any other crazy spending, also if/when divorce hits it won't hit so bad.

>>880388
>it's the man's job to entertain

Cuck.

>>879904
>> still have mortgage to pay off
>> haven't saved much for retirement
>> her drug addicted brother leeches about $5000 from us annually because she feels sorry for him
>> i don't even know what exactly her "passion" or "dream job" is...
>>FYI she is 51 and I am 55
>>Combined we both make $185k annually

Holy shit, what do you do? Heat your house by burning money in the living room? If all of this is true it's no wonder you're both fucked, since neither of you knows one single fucking thing about managing money. You've got at least $8000 per month net income (probably much more) and still have a mortgage, still have no retirement savings. I imagine your bank accounts are a temporary stop-over for your money before it you blow it on stupid, useless shit.

>>880168
A coworker of my dad at a big government contract engineering company finally had enough and opened an art studio. She makes more teaching 5 art classes a week than she did as a senior engineer. Less hours, enjoyable work, more money; nothing to complain about.

My dad's in a similar situation but divorced. He's worked at the same place for over 20 years and has kind of had enough. He might move to somewhere with mountains and teach as a community college or university.

If you plan it out right, you both can make it work out for the best. Try and be supportive and come up with a plan and work together to make it happen. Happiness is better than money.