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Relationship Discussion (non-explicit)
Reply to "Dating for 50+ men"
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[quote=Anonymous][quote=Anonymous][quote]But it doesn’t prevent you from joining incomes and acquiring new assets in second marriage. In fact, economy of scale from joint borrowing capacity, let’s say, for joint investment properties in your 40-50s is much higher vs a single borrower making $400k. It gives so much more benefits to create wealth jointly at that income level (pooling resources) vs just doing it individually.[/quote] This is offset by the risk of divorce in a second marriage. [quote]And many kids are simply not deserving of showing be getting everything parents earned. [/quote] My kids deserve my money more than anyone else does. And how the heck would a second wife deserve it more than my kids? [quote]Parent has full right simply spend their assets or income during lifestyle.[/quote] True, but personally I am not going to squander my money stupidly so my kids end up with nothing. [quote] I get nothing when I die anyway. Whether my child gets $5mm or $10mm I’m dead. [/quote] My money will go to [i]someone[/i] when I die. I prefer it goes to my kids. [quote]But I do want to enjoy the benefits of my life work diluting my lifetime[/quote] I enjoy my life just fine right now, and I don't think remarrying is going to increase that enjoyment. [quote]As a woman I won’t be interested in moving in with anyone without equal contributing and actual joint investment goals, jointly acquired assets providing further security to spouses in retirement etc.[/quote] I'm not really interested in cohabiting anyway. Just creates friction in the relationship. However, if I can prove that I have substantial investments and retirement assets, and thus I would never be a burden to you, then your insistence that we merge finances is unreasonable. I have created a secure retirement for myself. So have you. Neither of us will be more secure if we merge our assets. [quote]And this is why elderly men die alone now: catastrophic stringency and scare to join goals with anyone else.[/quote] I don't even know what you're talking about here. What catastrophic stringency? My retirement will be very comfortable, not stringent let alone catastrophically so. As for "joining goals", that has more benefit to you than to me, as you think I'm going to die first and leave everything to you. [quote]It’s often that the wives leaves husbands when kids grow up, after 40-50 years long marriages. Exact for same reasons ! Inability to agree on retirement, placing restrictions on her spending in retirement, freak control etc.[/quote] Having seen several older female relatives squander all their money and end up bankrupt, frankly I think older women [i]need [/i]a man to put restrictions on spending during retirement. [quote]Good in to you, anyway. I’m dating younger for these reasons. Younger men still believe in joint future.[/quote] Good for you. But lol if you think some younger dude really wants a joint future with grandma. And this will negate your plan of having your husband die first so you get his money.[/quote] I’m not sure why a 45 man is young but a 45 yo woman dating him is a “grandma”. By different state laws the spouse gets certain percentage of joint assets if other spouse die. Not “all your money”. So if I put my own money on downpayment with a spouse and service mortgage equally on that joint property , why should his kids get the house paid off by second wife ? I just don’t get it. Your kids should get the other half from their birth mother, not from your second spouse, who probably would live with you at least 20 years (much longer than you kids) And divorce is not that disastrous or negating benefits of joining incomes and acquiring assets as you describe. Particular if there is a prenup clearly stipulating what’s joint and what’s separate. Alimony is what usually causes frictions and dragging it in courts, thus it’s wise to parties to mutually waive it in prenup. I spent about $30k on mine, which was peanuts relative size of assets and incomes. If we didn’t join it 15 years prior, we would be nowhere near the level of wealth at the end of the marriage. I consider it a major positive outcome. Hope you share the views with women you date. [/quote]
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