Reply to Can financial responsibility and planning be learned?

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Reply to "Can financial responsibility and planning be learned?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote]His lack of planning is making me really annoyed. He basically will do things if I tell him to, and lives frugally and within his means. But he doesn’t have the capacity to plan ahead and think of these things on his own. [/quote]

I think you can work with that. Can you guys do monthly financial check ins to discuss spending, upcoming expenses, budget, etc? It seems like he's not completely irresponsible. He just doesn't think like you do.[/quote]

Thank you. I’m afraid of igniting the “don’t dead til you’re almost dead”. He is ideal in every other way, he does so much around the house without asking. It’s heaven in terms of how we interact with each other and our home is peaceful and cozy. It’s so nice compared to my ex and I.

I guess I just need some reassurance that this is within the realm of “workable.” [/quote]

I think it can work if he'll be honest and you're willing to shoulder the mental load here. What would be unworkable would be to expect him to think "if I need to borrow money for X I need to proportionally reduce the budget for Y because Y is discretionary spending and X is needed to boost my return on investment." If you both are open to you essentially doing that thinking for him and asking a lot of questions, that may lead to clunky conversations but feels doable. And you would need to respect his decisions are still his to make. I think you may be a bit of an oversaver, as I am, since you say he'll have to work into his 60s as if that's atypical. It will be tough of you judge him on your standards. [/quote]

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