Marlis
Appearances
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
Hi there. Well, it's a bit of a financial and a bit of a personal question. My husband and I entered into our marriage in 2017, and each came into our marriage with separate assets. And I had a greater net worth than he did, and we did sign a prenup that said that our separate assets would remain separate.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
After our marriage, we moved into my home, which I, again, own separately, and it's been our primary residence since. and it has greatly increased in value.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
And he's recently requested, um, an amendment to our prenup that gives him an equitable stake in my home, um, which is at this time, my greatest asset and, uh, has without, you know, splitting hairs basically said that he's not going to contribute to housing costs anymore, cost of living here, as long as, I'm not contributing any portion of the equity over to him.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
And so I'm kind of at a loss as what to do financially as I still have the greater net worth. And I don't know what other married persons do in this kind of situation where he's not... I don't feel that he's completely out of line since we are married and we do reside here. We had an agreement and now he's feeling differently about it.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
There's truly not. It really boils down to just this one financial issue. We have three kids together. Other than this, we're mostly happily married, other than trivial things here and there. When this got brought up, I was a bit blindsided by it, to be honest. Do you have a mortgage? I do, yeah.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
The mortgage is $41.50 a month. And he contributes $1,600 of that. So I still pay the greater share.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
He doesn't. No, it's just was more when we initially moved in together, he was paying X amount in rent somewhere else, right? And we decided to cohabitate shortly before our marriage. and he brought that money that he was paying in rent over as a contribution to this house.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
I do. I do. And that's actually the exact phrasing that he uses. And I do see that, but I also see it as no matter where you live, you're going to pay for housing unless you own it free and clear. You're going to pay for housing no matter where you live. So I do understand that. But he does own his separate real estate. So he bought a piece of property. And he's renting it out?
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
He owns separately. He's renting it out. In addition, I assisted him in buying a property in 2021. So it's an additional investment property.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
I'm on it as husband and wife. I used my income and credit to help bolster the deal. If he tried to buy it by himself when he already had the other property, he wouldn't have been able to purchase it. I get none of it. It's against my credit, but I don't get any of it, and it is a net positive property.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
I have not been married, and I haven't been burned, but I've been through a difficult separation where someone tried to, again, take advantage of me financially just because we were together for so long.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
Right, and it specifically stated it didn't stop us from ever having joint marriages. property together in the future. Just what's mine is mine, entering what's his is his.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
I think that's a great suggestion.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
Exactly what I was hoping from in this call.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
Yeah, we don't. We file taxes separately. He has a business. He files that separately. I don't see anything with it. We have separate checking accounts. Everything is separate.
The Ramsey Show
Don’t Let Your Present Reality Define Your Future
No, no. We're great friends. We enjoy doing everything together. We enjoy our family together, our off time together. We enjoy each other, but financially, I think it And it may have been more me because I have had someone try to take advantage of me financially, but I really try to protect my finances.