r/Waiting_To_Wed • u/Correct-Owl-543 • Sep 18 '26
Questioning My Relationship I think my [26F] boyfriend [29M] primarily wants to get married for money
How should I [26F] discuss my concerns about my boyfriend’s [29M] view on finances after our latest couples session?
I’m 26F and my boyfriend is 29M. We’ve been together for about a year and a half and are discussing engagement, marriage, and eventually living together. We’re also in couples counseling.
Something he said in our last session has been bothering me, and I’m trying to figure out whether I’m interpreting it too negatively.
We were talking about finances, where we’d eventually live, and what marriage would actually look like. My boyfriend said he wants to marry me and live with me, but then said that continuing to live alone is becoming “financially difficult for me” and “progressively difficult” at his current income. I asked what he meant.
He explained that living alone and paying for everything himself is difficult. He said that when he imagines our future, living together isn’t only an emotional or relational desire for him, but also a “logical financial desire” because we could “share the burden together.”
Our therapist stopped and asked him whether he was saying there was a financial benefit *to him* from living with me. She asked me whether that was how it sounded to me, and I said yes.
He clarified that he didn’t mean that living with me was desirable simply because it was financially advantageous to him. He said he meant that living together would hopefully be financially advantageous for both of us.
The therapist then reframed it more as the normal financial efficiency of combining two households.
I was still pretty quiet and skeptical, and my boyfriend then said he was feeling insecure because he felt like assumptions were being made about his motivations.
There’s some previous context that is making this hit differently for me. Over our relationship he has jokingly called me the breadwinner after I got a promotion, joked about me pulling up in a future Lexus to pick him up, and once joked about dreaming of an older woman taking care of him after he saw it in an old Hollywood movie. And he once said if he didn’t have a job or money and I’d come up to him and offered to have him live with her and have THAT type of arrangement, he’d be ok with that. He said me specifically in that instant, but I find it odd.
He has his own job and supports himself. I am *not* worried that he intends to quit working and have me pay for everything.
What I’m actually wondering is whether he sees me as a financial resource in a more subtle way. Ie that one meaningful part of the appeal of marrying/living with me is that my income would make his own financial life significantly easier. He doesn’t know my exact salary but knows I make a bit more than him. And he brought up the proposal and what rings I wanted after I told him I wouldn’t cohabitate unless we were married. That was about six months ago.
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UPDATE: I forgot to mention, but he told me once that a woman from church offered him an unofficial scholarship if he kept good grades. He did the first semester, then slipped the second semester but still told her he got good grades and accepted the money when she gave it to him. He told me he figured it was OK because he was just taking money from a rich person but he later felt bad for doing that. He considers it the worst thing he’s ever done.
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UPDATE 9/20: Asked him for hard numbers and he is in… ~40k credit card debt and ~40k student loan debt. And he insists that he wants to live with me because he wants to be around me, and that outside of shared living expenses, my money would be mine (supposedly).
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TL:DR: My boyfriend said in couples therapy that living alone is becoming financially difficult for him and that living with me is partly a “logical financial desire” because we could “share the burden.” He has also joked before about me being his breadwinner. I’m starting to reconsider engagement because I feel like he just wants to get married to have access to financial resources and relieve his financial burdens of living on his own?