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Tough question,need advice from you great people, not sure how I should feel about this...

sarah1971's picture

I've been dating this great guy for about 2 years. I own my own house and he owns his. About one year ago he decided to sell his house to buy one closer to his young kids who he shares jouint custody with his ex. About 6 months ago he asked me if I would sell my house and move in with him when he got the new house and I said yes.

Now I assumed we would split the morgage/house bills equal. About 3 weeks ago he asked would I be willing to put 90 thousand into the house, when I sold my house(same as him) so as he put it we would be equal. This is on top of spliting monthly morgage/house bills.

I was really taken back by him asking this. The reason being is we did not agree to this up front when he asked me to move in with him. Also I had no say in what town we would live in(had to be in his exwifes town). I went with him to look at the houses but the one he bought was not one of my favoites and I told him that. The house was completly purchased with his kids in mind. The house has a small crappy master bedroom with no master bathroom. Something that was very important to me which he knew was to have a nice master bed room. BUT located next to a park with a big playground which his kids liked.

The houses I said I liked he would say his kids would not like it cause it was to far from the park or the kid rooms were to small ect. Everything was about what the kids would want and he would make me feel guilty if I wanted something else.

I don't know how to feel about him asking me to pay for half the house when I had little say in what he got. Am I wrong to feel this way? Please be honest as I can be oversensitive and since I will be living there maybe he had every right to ask me.

2Tired4Drama's picture

Do. Not. Put. Any. Of. YOUR. Money into his house! Period. He has made it clear his kids needs/desires are a priority in house choice - and he just wants you to help fit half the bill. No way!

Furthermore, if you have not sold your house yet don't do it. If I were you, I would rent my house out, and try and live with him in the house he eventually buys on his own. See how your relationship goes with being so close to his kids and ex. Imagine that there will be issues cropping up with what the kids can do in the home, etc. and trust me, sounds like he will be the first to tell YOU, "The kids can do what they want in MY home"(even though you may have paid half for it).

"I can be oversensitive and since I will be living there maybe he had every right to ask me." Seems to me that he knows you are somewhat insecure and is willing to push you around for his own purposes.

That alone would have me re-evaluating this relationship. Sounds like he is good at manipulating you. Just don't do it ... you will find that your entire financial standing and life can be ruined.

I think you are being played for a sucker. Be sure to talk to your own family/loved ones about this before you do a single thing ...

Krispey Kreme's picture

I smell red flags. Wait one cotton picking minute there girl! I agree with 2Tired. Don't sell your place! Rent it and live with him at least 1 year to see if it will work out. Trying to blend a family is really hard. Starting off with a power imbalance is a bad sign (i.e., him telling you what he wants to do, doing it without your input and expecting to you give him your money and you feeling that you need to give in to him to please him).

Tell him of your final decision not to sell and tell him why. Then carefully observe what his reaction is when you tell him you aren't selling. Does he try to push/browbeat/guilt/manipulate/punish/threaten you into doing it anyway? Does hhe give you the cold treatment or have a fit? If so, run, don't walk the other way and leave him in the dust. It sounds like he didn't include you on deciding which house to buy, he bought the one that works best for his kids (will he always put them first over you?). A house that isn't at all what you wanted. Mature people compromise and consider their partner's needs. It sounds like he wants his own way. And he wants your money to finance his own way. If he wants to buy the house he wants for his kids, fine, he should pay for it. If I was living with him, I'd pay my way in a fair manner, but be careful of being taken advantage of. There are guys/gals out there that will want to live together, have you work full time and pay for the household (with kids that aren't yours), then have you cook, clean babysit, etc. It is a great deal for them. Not so great for you. That's why you should have your own place to go back to if things turn to crap.

How long and how well do you really know this guy? I strongly urge you to seek the advice of an attorney and look into pre-nups. It is up to us to protect ourselves, no one else will.

Unfreakingreal's picture

No freaking way. Paying half the mortgage is one thing, giving 90k is another. You shouldn't have sold your house, you should have rented it. Since it's already done, I'd still say no.

Aeron's picture

So basically he bought a house that you had nearly no input in and now he wants you to put in a HUGE chunk of money and then split the rest of the bills 50/50? Interesting.

Maybe I'm just a bitch, but before I even considered, I'd want to know how soon my name was going on the deed. Then I'd want to see the closing paperwork to see how much money he'd put in. And then I'd probably calculate how much his share out to be of monthly bills based on how much time his kids were there, making him responsible for 75% of the utilities and food during those periods.

But that would just be my reaction based on the idea of Well, I'm going to make a huge decision, basically exclude you from it, ask you to live in a house you aren't going to like and make a huge investment into it on top of it all.

I would caution you (as will many others I'm sure) that you haven't lived with this man yet and moving in with a man that makes huge decisions like this based pretty much solely on what his kids will like is.... dangerous.

I would advise you to not sell your house. Try living together for a few months and see how it goes.

Have you spent much time around him with his kids? How often will they be with you? What are his and your expectations around the responsibilities toward the kids? Is he expecting you to do their laundry, make their meals, clean up after them, cart them to school, stay home with them from work if they get sick?

How crazy is BM? Is she likely to show up on your doorstep and pitch a fit?

Without more information, neither of you is being entirely unreasonable. Wanting a partner in a house isn't unreasonable (though the way he's gone about it is bass-ackwards IMO) and feeling taken aback by the way in which he's done it is Very reasonable.

But it's a much bigger question than that. It sounds like he's completely willing to make life-changing decisions without caring about your input. I don't know how serious you are or what kind of parent he is, etc, but that would be a Huge red-flag to me. He doesn't really care about what would make you happy in this situation but he wants you to foot 1/2 the bill. I'd continue to date and not live together if you really love him that much. Otherwise you're going to put yourself in a place of difficulty because getting your money back out of this investment if you decide the living situation is untenable will be very difficult.

And I know we all like to think our relationships will last forever, blah blah, but it sounds like you aren't engaged, you're just at the point of moving in together. And I personally have always thought it was a terrible idea to make a large investment with a man you're just dating. (And it doesn't sound like he's really said anything about putting your name on the house either which absolutely would not work for me for 90K).

You're not wrong and you need to protect yourself.

amber3902's picture

No, I don't think you are wrong for feeling the way you do. You are right that he is asking you to pay for a decision you had no say in making.

If you move in with him and want to contribute something towards the bills, that's fine. But socking 90 grand into a house that I didn't like, didn't want and was not included in the decision process? No way.

stormabruin's picture

You are not wrong to feel that way. That's a lot of money for him to ask you to put into something to suit him & his kids.

If you don't like the place, keep your money. It's crazy to sell a house you own & put the funds into something that doesn't excite YOU.

He picked it. He buys it. If you move in & decide you like it enough to put your money into it, do it then, but only then. Should you get moved in & realize you don't like it (the house, the living situation, BM close by) it'd suck to be stuck there because it's where you dumped your money.

I do think it's fair that you pay your share of the bills, being you'd pay that regardless of where you live. Let the house be his until you can feel good about making it yours as well.

allaboutperspective's picture

No, you are not wrong. It seems like all accommodations are being made for what's easier for him, his kids, and his ex-wife. Where does that leave you? If it's a joint venture, you should have more say. Plenty of people have no problems commuting for visitation, so Im sure a small drive to a park is not that problematic or a deal-breaker.

Please take note of this: If this is how it's going to be in the BEGINNING, it's probably going to get worse when you are in it permanently. It looks like your resources are being utilized to benefit everyone else and their happiness.

It's hard making a house a home when you dont have a say in it.

2Tired4Drama's picture

The reason not to sell your own house is that you MUST have a safety net. If things don't work out, you still have a home to go to eventually - even if a tenant may be temporarily still in it.

As amarisso noted, even if your name is on the deed, you could still potentially find yourself in years of expensive court battles should you want to opt out.

I have seen way too many people (women mostly) ruin their financial futures because of some bad decision they get conned into. Don't fall prey to this! This is all about what will work for your boyfriend and your kids - you are just a means to an end.

2Tired4Drama's picture

Re-reading this now ... it looks like he's already purchased the house, right? "but the one he bought was not one of my favoites and I told him that. The house was completly purchased with his kids in mind."

So he already owns this house in his own name, I assume.

What does he expect from you? That you are going to hand over a check for $90K to him? What's he going to do with it - drop it in his bank account?

The more I think about this thing, the more I think you need to head for the hills. This guy is starting to sound more like a self-centered, con artist than a "great guy."

sarah1971's picture

I see your point about renting but my house is sold so what is done is done. My name would be on the title but thats not my beef. The fact the house was bought with his first priority being what the "kids" want and then waiting till just three weeks ago to ask me to hand over 90k.

Now we get along great and care very much for him so don't want to throw in the towl over this BUT don't know what to do regarding the 90k. When he asked me I was in shock and said ok to handing over the money but the more I got thinking about it the more I don't want to do it. He knows I have the "cash" as I sold my house so can't tell him I don't have it. I can't tell him he's insensive about my needs and only thought of his kids(as parents here I'm sure you will agree with me that won't go over well).

I can see how things could get "messy" if this does not workout even with my name on the title. But I can't really say to him I don't know if living with you and your kids will workout so don't I want to shell out 90k. I would not mind buying a house equally with him down the line when the kids are older and the house can be whats BEST for the adults.

What can I say to him without ruining the relationship BUT keeping my 90k?

stormabruin's picture

If you don't want to do it (& I mean you don't feel excited about buying this house) DON'T do it.

The way he's gone about all of it is not okay. HE picked the house that suits him & his children.

If you can't tell him you don't like the house HE picked out enough to pay $90k for it without losing him, he isn't worth keeping. He didn't hesitate to ask you for your money. Don't hesitate to tell him no.

He can't rightfully go act on something without your input & then expect you just to comply with what he had in mind.

Shaman29's picture

I would tell him you're not comfortable investing $90K in a home in which you don't feel is a good fit for you. That you understand he bought the home with his kids in mind, however it's not one you would chose to invest in yourself.

Tell him at some point down the road, you'll be interested in investing that money, when the two of you can chose a house together.

Aeron's picture

" I can't tell him he's insensive about my needs and only thought of his kids" Why not? It may not go down well and I imagine yes there will probably be a fight, but it's true and he's also setting the standard here that if you want this relationship to continue, then the two of you need to come to an agreement about where everyone's needs stand. If you let this go quietly, you are telling him it's okay to disregard you and your needs and you'll still shell out for what he wants.

I guess I would tell him that you're not really comfortable investing so much money in a house you like so little. That you had other investment plans for that 90K and he should have made you aware of this before he purchased the house.

misSTEP's picture

Too many women "Go along to get along." For all the women that are afraid to stand up for their own rights, thinking it will cause a fight - are you all in relationships with guys who beat on you??

If not, LET him be mad! Better than just going along with it and finding yourself resentful years later!!!

TheBrightSide's picture

I "went along to get along" for 6 years!!! Thankfully I rented my place...refinanced to the nuts, but still kept it. Thank god now that we're separated..I still have it.

Unfreakingreal's picture

Tell him you are not comfortable with investing 90k in a house that you don't like. He already bought the house which means he doesn't NEED your 90k. Tell him that you will be more than willing to put that money towards a house that you BOTH love and that you will keep your money in a money market account so that it grows in the meantime.
If he does NOT like that response, I'd rethink this relationship because his motives are not sincere.

allaboutperspective's picture

stormabruin is very right. If you cant come to him because of fear of losing your relationship, go now. You should have NO qualms about discussing YOUR money, how it will be spent, future plans that involve your resources, his resources, his kids, etc. Communication is part of a relationship, and you need it EVEN MORE with the complications of step-family. For now, keep your money. If he's serious about keeping you and truly cares about you, he will find something that works for you as well. Like I posted earlier, this is how you are going to start your relationship off; it probably will get worse before better.

2Tired4Drama's picture

"My name would be on the title but thats not my beef."

This may not be your beef but it sure as hell needs to be your focus NOW. This is all about the money, don't kid yourself.

He said he'd put your name on the deed - but did he point-blank tell you what he's going to do with YOUR 90K? If he doesn't put it against the mortgage (and just deposits it in his own account) then there's no $90K of equity in the house for you.

Likewise, the mortagage amount is still outstanding and yet YOUR name will be on the deed and you may be on the hook if he defaults.

You need to step back from this whole thing. I will re-state this - You appear to be a mild-mannered and perhaps somewhat insecure person, and he is manipulating and exploiting that.

This is hallmark behavior of a con artist. Do not do anything with this amount of money, with anyone, unless you talk to a lawyer first.

Shaman29's picture

Do not give him the $90K. Save it, invest it, don't spend it. Because based on what you've said in your post, you may need to use it someday.

This guy is all about his kids and not about his relationship with you.

It's difficult enough being a SP in a home you like, it's going to be even more difficult in a home you don't like. No safe haven. No quiet place. A gingerbread house built for kids, rather than a home for a family.

You may want to rethink moving in with him, but continue the relationship on your own terms. Moving closer to the BM could up the ante on the crazy. You may have no say in what happens in this house. Moving away from your support system could make you feel isolated.

Take it from a lot of us that now feel stuck, because we moved in with our BF's or FDH's with kids.

I think you should consider finding a place of your own. Because trust me, it's HIS new home.

RedWingsFan's picture

^^^^Exactly this. Please don't give in to his demands. It's HIS house for HIS kids. He didn't allow you to choose the house, the location, the layout...why do you have to pay for something that YOU don't want????

And, frankly, it'll always be his house whether your name is on it or not. HE chose it for his kids, without your thoughts or desires in mind at all. How disrespectful of him to ask you to pay for half of something YOU had zero say in.

I agree with Shaman - keep that, invest it, whatever - just don't give it to him. Maintain a separate residence until he can prove that YOU come first.

hereiam's picture

The houses I said I liked he would say his kids would not like it cause it was to far from the park or the kid rooms were to small ect. Everything was about what the kids would want and he would make me feel guilty if I wanted something else.

^^^Is this what you want the rest of your life to be like? Because it will.

Krispey Kreme's picture

If you don't stand up for yourself, no one else will. It's time to practice your assertiveness. Do not hand your hard earned money over to this guy. If he loves you, he will understand. If he's trying to scam you, he won't be so nice. That's how you will know, sit back and observe. There are lots of guys out there that wouldn't ask this of you. Lots of guys with no baggage.

If you let yourself be taken advantage of after asking for and being given good advice, I don't know what else to say.

Go see an attorney. I can guess that they will tell you not to do this. Tell him "my attorney has advised me not to invest in your house".

gijimenez5's picture

He purchased that home with no thought to you. So what happens if you break up is he giving your money back, or worse you get married and now have to live in this home that he chose without no thought to you. If you before handed decided together to buy this house together and your needs and his were met then yes put the 90k. But 90K for a house you have no intention on building a future in is crazy.

StickAFork's picture

This is a seriously dumb move without the legal contract of marriage.

I'm blown away that women do this kind of stuff!!!

amber3902's picture

It has nothing to do with whether you have the money or not. The fact is you yourself said "we did not agree to this up front when he asked me to move in with him"

Tell him, "when we first talked about moving in together, we agreed that we would split the bills 50/50, there was no discussion about me putting 90K into your house. You sprang that on me later.

That was not the original agreement, and when you first asked me for the 90K I was so surprised I said yes without really thinking about it. Now that I've had some time to think about it, I realize that things could get real "messy" if things don't work out between us."

Just keep stressing that you are willing to abide by the ORIGINAL 50/50 agreement and nothing more, and that down the line if things are going well, you want to buy a house together that you both agree on.

Do not let him make you feel guilty for going back on your agreement to give him 90K, you didn't sign a contract and you are allowed to change your mind.

If he does guilt you, then he doesn't deserve you.

Unfreakingreal's picture

The biggest thing here is that you are even THINKING about doing this because it is VERY APPARENT that your GUT is telling you NOT TO. LISTEN TO YOUR GUT. DO NOT DO THIS.

New second wife-step-mom's picture

I would say "I changed my mind at this present time, I am not comfortable with handing over 90k". Period. If you want to help offer to pay 50/50 on the bills that is your choice.

Think this over:

>He wanted you to move in with him but said nothing about you handing over a large chunk of money until after he picked out the house he wanted and YOU had no say so in this purchase. He should be embarrassed to ask for your $.

>Then he wants to split the bills 50/50 but this was not discussed before hand with you. Right?

>He obviously has not taken YOUR suggestions or best interest to heart. You told him and he REFUSED to listen to what was important to you and did exactly what he wanted. He bought a house that was best for him and his kids in every way possible, the location, the rooms, etc.

>He is acting secretive and manipulative to do all of these things without consulting you first. I don't see him treating you like an equal to him but more like you don't have any say so about your money or what interest you. He is just "assuming" you will respond to his wishes. Is that what it is whatever he says is ok with you?

>YOU act like you are afraid to discuss your true feelings with him. Why can't you tell him that you will help with the bills but you do not like this house. He purchased it with him and the kids in mind and you will split the monthly bills but will not put your cash on a purchase that you did not approve of.

This will probably not get any better for you.

princessmofo's picture

I beg of you to reconsider! Did you already sell your house? If not, do NOT move in with him. This has disaster written all over it. It looks like he needed a financial "backer" not a companion. I smell ulterior motives here. You sound like you are independent financially and I would stay that way. Just say no.

3familiesIn1's picture

No.

You shouldn't put the lump sum down. If he ends it over this - then you dodged a bullet.

Yes, you should pay for your half of the mortgage though in my opinion if you choose to live there as you would otherwise pay rent anyway - but that is just my opinion.

If its a big deal - rent yourself a place for the short term until he either gets over it or you get on with your life with someone else.

oldone's picture

A friend did this and got totally screwed. She later became my roommate (in a tiny 2BR apt) because she was broke. Put all her proceeds into their "joint" house and meanwhile he kept his old house. The market went down and she lost about $200,000 - while he came out smelling like a rose.

There were days I was worried that her brain was going to explode from how horrible it turned out for her.

my.kids.mom's picture

I can't even believe this is a real situation. I am dumbfounded.

If 1971 is your birth year, you are too "wise" to be acting this way. Even without him asking for the money, this is a shitty situation you are walking into. And you are afraid of bringing it up?

RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS
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RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS
RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS RED FLAGS

Clearly An Upgrade's picture

What advice would you give a friend or sister in the same situation? This is a BOYFRIEND. Most everyone is happy together in the beginning. You haven't even started the day-to-day living with each other. What if he clips his toenails in bed? What if he stays up all night looking at porn? What if every single day is drama with his ex and kids? What if you find out that you're just not compatible?

Look, a civil lawsuit of this size takes at least three to five years to be settled, and that's if he agrees to something in a settlement conference. Proceedings requiring a jury takes even longer. Both will costs you tens of thousands in attorney fees. A small claims takes only a few months, but at most you'll recover 3-10k, depending on your state guidelines for that court. And you run the risk of getting a judge or jury that looks at you and thinks the same thing that EVERY single person on this board does: "WHAT THE F*CK are you thinking?!?!?"

This is not a "tough" question as your heading states. This is a no-brainer. Don't be foolish. It will not turn out well for you. No one has ever said "Gee I'm glad I gave my boyfriend that money. That was a great investment." The courts are overrun with cases that started out just like this.

amber3902's picture

"No one has ever said "Gee I'm glad I gave my boyfriend that money. That was a great investment."

That would be funny if it wasn't true.

Krispey Kreme's picture

Yes but I wonder if there are any boyfriends out there bragging to their friends about how they talked some chick in to giving all her money to them and laughing about how smart they are and how stupid she is.

Cocoa's picture

honey, you're still looking at this relationship with rose-colored glasses and still afraid to speak your mind. the best advice i've ever been given is : NEVER BE AFRAID OF LOSING A MAN

misSTEP's picture

Many, many, many women who have blindly walked into a SM role with a man they were head-over-heels in love with....would LOVE to have 90K in a bank account to extradite themselves from the situation they are now stuck in!

PLEASE do not give the money to a guy who was worried more about his CHILDREN than you.

In my instance, we bought a house that *I* loved. That didn't even HAVE a yard. Not all that great for his skids. And I am very glad that we did it that way, since his kids never wanted to go outside to play ANYWAY!

christinen's picture

I definitely do not think you should put such a huge chunk of money into a home that you did not choose. He is thinking only of his kids and not about you or your relationship and I think you are going to feel very resentful within a few months of moving in together (if you don't feel that way already).

When DH and I got a house together (just renting so it's not as big of a deal as what you are doing but just giving an example), the house we got is not what I would have chosen for myself- it is only a 2 bedroom- 1 for us and 1 for his kid- leaving no room for us to have our own child together (I have no kids). I resent the hell out of DH because him and his kid are living comfortable while I am paying the majority of the bills, yet I can't even have a child of my own because I don't have a room to put him/her in, but DH "doesn't want to move."

Please do not do this!!! He is showing you who he is-- believe him!

december82's picture

I would tell him your happy to split the monthly bills at his house for a year and keep the $ from the sale of your house separate, just to make sure you are or aren't happy there, and suggest/plan that after that year that you would be happy to split the investment on a new home 50/50 with him, one you both are happy with. That way he can feel safer about not loosing his investment on his house if things don't work out b4 the 1 year is up.. (assuming common law laws/rights are the same where you are 1 year doesn't entitle you to take half his house)

emotionaly beat up's picture

It concerns me that you even need to ask if this us the right thing to do. It's absolutely not. He asked you to sell your house and move in with him. You said yes. Safe in that knowledge he went out and bought a house with the best interests of his kids in mind. A house near the BM so convenient for him. A house he knew you did not like. But he did not care. He did not want your input.

I am old and cynical enough to think he wanted you to sell your house so he could use your money.

You are playing with fire here. DO NOT give him that money. You are afraid to speak up over this. That is admitting that you know if things don't go his way, then an argument will follow.

Tell him you are not happy with the house. Tell him you need time to see how the relationship works now that you will all be living together. Tell him you need time to think. He I believe had this planned all along. Yet he failed to mention it to you at the time of purchase so it could have been purchased in both names.

If you stupidly hand over this 90k to a man you fear and who had bulldozed you into it. Then you had damn well better do it in front of an attorney and SEE that you both sign the transfer of title into both names as the check us handed to the bank therefore immediately reducing the mortgage.

You would be very silly to hand this money over though. This man made a major purchase. Gave no thought to you and put his kids park and bedrooms above you. Then turns around after buying it in his name and asks for your money. It really is all about his and his kids comfort isn't it. This will get to you. You need to keep your money. PLEASE.

2Tired4Drama's picture

EBA, several people have already told OP this exact same thing, including me. I think this guy has all the hallmarks of a con artist.

She has not replied lately so let's hope she is figuring out an exit strategy to get away from this loser.

Unfortunately, when confronted with the cold hard truth, some women will ignore all the candid advice they get and justify staying with someone like this. I hope it's not the case here but it often is.

Krispey Kreme's picture

I agree with imjustthereforth, maybe you should take that money and get some therapy to help you gain enough self-esteem to stand up for yourself? I hate to see you just lay down and let this guy (and his kids) wipe his feet on you. I'm not trying to be a smart azz, I mean it. Is this a 50/50 relationship? If it isn't, you need to rethink it.