To Annie, please: I have a dilemma. Both my spouse, who is 65, and I, who is 67, are retired; I now work from home two days a week for about seven hours each day. I do not receive Social Security, but he does. He didn’t even have a 401(k). I was attempting to make up the difference presently.My husband believes that I can work longer hours if we need more money, but he doesn’t see any issues or the necessity for me to acquire a part-time job. This has been the subject of numerous debates and controversies. He was recently the target of a scammer who gained access to our shared accounts. We lost almost ten thousand dollars. In the ten years that we have been married, he has also been hacked multiple times.Right now, I’m considering keeping my earnings from work apart from our joint account. To make him see where the money is going, I’ve even considered splitting up the bills. It’s coming to the point where I’ve never told him that I make three times as much money as he does. I’ve also informed him that he needs to find a part-time job if he wants money. He will search for one online, but he never actually does. I am at a loss on what to do. — Screaming in terms of finances
Dear Screaming Financially: I concur that starting to deposit funds into a different account would be wise. Naturally, let your husband know before you do so, and make sure he knows that this isn’t done to punish him, but rather to save money for a future emergency. In light of this, I would also advise consulting a financial planner. Having an expert review the figures is always beneficial, and given your husband’s propensity to fall for scams, they might be able to provide a bit more security for your hard-earned cash.In the end, you can no longer support your family as the only provider. Discuss the stress this has caused you to feel with your husband in a direct and calm manner, without arguing. Working as a team is the foundation of marriage, and you should have a real spouse to support you through these difficulties.
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