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SS19 and the tuition

WokeUpABug's picture

I know I'm being a blog hog, but bear with me. We talked again on the ride in. I tried to be understanding but also take a hard line with DH.

- DH pointed out I am spending a fair amount of my money to send my DD to an expensive school. I pointed out that I had the means to do so, and that all of the money so far had come from earnings on investments I had prior to our marriage. I will start a new job soon and my income will increase significantly, so I plan to partly use my income to pay DD college tuition. Total amount I will spend from my salary will be same as we currently promised to SS19. But it's true that DD19s school is more expensive.

- I told DH if he could promise me that this shortfall was the last time this would happen we'd be having a different conversation. But that I was taking the long view. This isn't about the couple grand SS owes for this year. This is about the next 3 kids and what assurance do we have BM will pay her share? He agreed we had no assurance similar problems wouldn't crop up again. I asked him would he promise me to draw a line somewhere of a line he wouldn't cross in terms of bailing out kids. He said he couldn't because he didn't know what future held.

- I told him us allowing SS to go to that college was a big mistake. He did not agre, saying SS was happy there and not all decisions should be about money. I said if you are choosing between two options and you can afford both, then sure, you can make a decision not based on money. But if you can't afford one you aren't making the decision based on money, you're making it based on reality.

We will talk about it more tonight at counseling I'm sure. But the more I talk to DH the less I'm inclined to be flexible. I think his mind set is totally wrong. And given that mindset we are headed for a lot more of this in the future.

Comments

WokeUpABug's picture

Yes we have all SS19 money for this year in a 529. The only option is DH cosigning for more loans or I gift/loan SS the cash from my premarital money.

I am starting to think what I need is not a marriage but a financial counselor. Maybe then I wouldn't be the bad guy.

Stepped in what momma's picture

HOLYHELLALREADY has a great point! What would he do without you? Sounds like DD would still be going to the same school if you guys broke up so the situation is completely different.

WokeUpABug's picture

I agree and disagree.

DH makes good money. His bonus funds his private school obligations. Child support is taken from his salary, and together with my income we scrape by. His retirement is underfunded, and he's got some debt from the past few years, so when my salary incriminating am hoping to dig us out of this financial mess. I don't feel my salary is going to the kids schools but I also know that if they weren't going we'd probably have less debt. But that also partly on me since we still go out to eat and take a vacation once a year. We could cut back a little more.

I do agree that without DH I'd be just fine financially, and could easily pay my DD tuition. Without me he'd be in the same situation he is now. I force him to max out his 401k, so maybe he'd have more cash to spend on kids, but less in savings.

Powerfamily's picture

Sounds to me like your dh has taken for granted when you qualify that an extra money you earn he can spend on his children.

I would be seriously thinking about separating your finances away from DH so you each have your own account to spend how you want and a household account for all joint household bills, food, insurance costs.

thinkthrice's picture

Yep. The instant you get your new job, SEPARATE ALL FINANCES! H is waving flaming red flags in your face and screaming "I'm bad with money and will be an unending black hole vortex when it comes to my snowflakes--I have no intention of holding the BM accountable, but instead will hold YOU responsible for the privilege of being "surrogate mommy" That's Swahili for "walking wallet."

Sadly a lot of men these days hold that viewpoint.

WalkOnBy's picture

I hate when I agree with HRNYC, but yeah - the kid has to either transfer or find his OWN way to make up the shortfall.

And, FFS, the kid is in college, not 3rd grade. Making new friends is what ADULTS do...

WokeUpABug's picture

School is D1 but SS sport is club level at that school. They still compete at the D1 level with other D1 schools.

I know its total nonsense. Who goes to college for a club sport? I'd LOVE to see SS grades. I mean what if he is getting all C's? Would DH still think this worth all the money?

I should add that SS wants to go into a pretty specific major that isn't widely available, but this school had. But honestly I think that was pretty minor in the decision process. He's already thinking of switching.

WalkOnBy's picture

damn - here I go again agreeing with HRNYC.

I thought I remembered you telling us that the kid was playing a club sport, ergo no scholarship.

the more details that leak out, the worse this gets.

NO NO NO do NOT go into debt so precious pumpkin can play club lacrosse or volleyball (Thing1's club sport of choice) or ANY sport.

Pffffft.

WalkOnBy's picture

Oh, OK. Please tell me that you are a COD and you need this to help get over your parents divorce Smile

Exjuliemccoy's picture

Your SS will learn more from what he DOESN'T get than from what he does. I hope your DH doesn't prevent him from learning this.

Icansorelate's picture

Your DH, BM and SS all have affluenza. DH makes good money- so what. Good money means a 50% tax rate and it is income, not wealth. It seems to me that because DH and BM thought they were "rich" when they are probably at best professional class (meaning your career has a bell curve of sorts where you make decent money for a while) and tried to keep up with the joneses. That explains BM's bankrupcy and unfortunately also the courts thinking DH is "loaded".

The problem with all of this, is they were living above their means, going into debt. At some point it will catch up. DH could get sick, get fired, etc and suddenly, no more good money. Unless DH can be convinced that he is a fool, this will not end well.

Unfortunately, for you, I think DH will ignore you and co sign loans. DH should be saving his money to pay for his retirement, your future and all of the skds futures, not over indulging one kid when he really cannot afford it. If SS needs loans, then you all simply cannot afford it.

notasm3's picture

I hope your medical field is one that pays really, really well like a cardiac surgeon. Because this man is going to financially destroy you if you do not really big bucks.

WokeUpABug's picture

Nope! I am probably going into academic medicine. Pay is fairly modest, though still better than being a resident!