My wife inherited $800K. She put $300K toward our mortgage and $500K in her own bank account — after 35 years of marriage Quentin Fottrell 8 hrs ago | THE MONEYIST
Dear Quentin,
I’ve been married 35 years.
My wife is going to inherit $800,000 and told me she will use $300,000 to pay off our mortgage. The house is worth $450,000. But she will put the remaining $500,000 into her own personal checking account.
I’m 65 and still work. I earn $130,000 a year and plan to continue to work for another five years, as long as I am in good health.
My wife retired two years ago at age 59 after working for 13 years, earning $20,000 a year. She mostly stayed home and helped raise our two children, who are now adults with their own jobs.
My wife gets a small pension and I will also get a pension. We have no savings, no 401(k), nothing. I paid for my kids’ college education. We own one car outright. I have credit-card debt of nearly $80,000. My wife has credit-card debt of $2,800.
What do you think of the way she has treated her inheritance? If we divorce, will I have to pay her alimony?
Don’t allow your frustration over this inheritance OR the fact that you have been working since 16 to force you into doing something rash. Your wife has used more than one-third of this money to pay off your joint mortgage. Inheritances are not considered community property, so she is clearly taking her time deciding what to do with it. While that may feel like a slap in the face after 35 years of marriage, she is legally entitled to do that, and personally entitled to do so too.
You don’t say why you have $80,000 in credit-card debt and your wife only has $2,800. Assuming it’s notbecause of your children’s college expenses, this disparity may also reveal that you have different spending habits and abilities to manage your money. That’s a lot of money to have on your credit card, and if you racked up that money on miscellaneous expenses, I can understand why your wife did not believe it was her responsibility to pay off your personal debt.
Imagine if the tables were turned and you put $300,000 of your inheritance toward this house, and then your wife turned around and said, ‘Thanks for paying off a chunk of our mortgage, but I feel like this is a good time for a divorce.’ — Given the disparity in your incomes, I can understand why you feel the way you do. But that does not take into account being a stay-at-home mother, which is a full-time job in itself. That, plus her $20,000-a-year job, suggests to me that she more than contributed her fair share of time and labor to the marriage.
Plus, even though she was paid less than you, let’s assume that she worked as hard as anyone for those 13 years. Bottom line: You both worked.
Your question regarding alimony likely depends on where you live, your individual circumstances, the judge, and the size of the inheritance. Previous cases have shown that the income generated from an inheritance can be a factor in determining alimony, even though inheritance is generally considered separate property. You were the major breadwinner, and based on previous cases on inheritance, it’s unlikely to be a major factor in alimony.
Think of it this way: She has just contributed $300,000 to your life together when she could have kept all of that money, and divorced you. Just imagine if the tables were turned and you put $300,000 of your inheritance toward this house, and then your wife turned around and said, “Thanks for paying off a chunk of our mortgage, but I feel like this is a good time for a divorce.”
If you feel upset now, you would be absolutely furious then.
你会觉得太太处理得合理吗？答案一会儿公布 ：）
My wife inherited $800K. She put $300K toward our mortgage and $500K in her own bank account — after 35 years of marriage
Quentin Fottrell 8 hrs ago
|
THE MONEYIST
Dear Quentin,
I’ve been married 35 years.
My wife is going to inherit $800,000 and told me she will use $300,000 to pay off our mortgage. The house is worth $450,000. But she will put the remaining $500,000 into her own personal checking account.
I’m 65 and still work. I earn $130,000 a year and plan to continue to work for another five years, as long as I am in good health.
My wife retired two years ago at age 59 after working for 13 years, earning $20,000 a year. She mostly stayed home and helped raise our two children, who are now adults with their own jobs.
My wife gets a small pension and I will also get a pension. We have no savings, no 401(k), nothing. I paid for my kids’ college education. We own one car outright. I have credit-card debt of nearly $80,000. My wife has credit-card debt of $2,800.
What do you think of the way she has treated her inheritance? If we divorce, will I have to pay her alimony?
Been Working Since I Was 16
看作者是如何回复的：
Dear Working,
Don’t allow your frustration over this inheritance OR the fact that you have been working since 16 to force you into doing something rash. Your wife has used more than one-third of this money to pay off your joint mortgage. Inheritances are not considered community property, so she is clearly taking her time deciding what to do with it. While that may feel like a slap in the face after 35 years of marriage, she is legally entitled to do that, and personally entitled to do so too.
You don’t say why you have $80,000 in credit-card debt and your wife only has $2,800. Assuming it’s notbecause of your children’s college expenses, this disparity may also reveal that you have different spending habits and abilities to manage your money. That’s a lot of money to have on your credit card, and if you racked up that money on miscellaneous expenses, I can understand why your wife did not believe it was her responsibility to pay off your personal debt.
Imagine if the tables were turned and you put $300,000 of your inheritance toward this house, and then your wife turned around and said, ‘Thanks for paying off a chunk of our mortgage, but I feel like this is a good time for a divorce.’ —
Given the disparity in your incomes, I can understand why you feel the way you do. But that does not take into account being a stay-at-home mother, which is a full-time job in itself. That, plus her $20,000-a-year job, suggests to me that she more than contributed her fair share of time and labor to the marriage.
Plus, even though she was paid less than you, let’s assume that she worked as hard as anyone for those 13 years. Bottom line: You both worked.
Your question regarding alimony likely depends on where you live, your individual circumstances, the judge, and the size of the inheritance. Previous cases have shown that the income generated from an inheritance can be a factor in determining alimony, even though inheritance is generally considered separate property. You were the major breadwinner, and based on previous cases on inheritance, it’s unlikely to be a major factor in alimony.
Think of it this way: She has just contributed $300,000 to your life together when she could have kept all of that money, and divorced you. Just imagine if the tables were turned and you put $300,000 of your inheritance toward this house, and then your wife turned around and said, “Thanks for paying off a chunk of our mortgage, but I feel like this is a good time for a divorce.”
If you feel upset now, you would be absolutely furious then.
如果这个wife不告诉她丈夫，把钱存在自己名下，会有什么后果？
她已经pay-off了房贷，她丈夫还有什么不满足。人不能太贪婪了，任何人都不能想当然认为自己值得拥有。
把钱留在自己手里估计也是怕他乱用 LOL
两人平常怎么分账的？
看不懂这家。好像基本上什么都是男的付。女的挣那点钱其实基本都付税了。男的既然都愿意了那么多年了，那就当女的没拿到这笔钱，他还白得了房贷付清。偷着乐就行了。
这老婆貌似是为了保住这笔钱，不让老公碰。大概一碰这钱就会不见了。房贷不是都还了。还是个好老婆了。
试金石啊
估计两百万美金上下，这两口子就先后退休，用这笔钱加上贷款买了一些房产做出租生意，几年前好奇查了一下他们的房产，房产都在两口子名下。
还是一个80万一下子看明白了他 LOL
35年，老太花了老头190多万了。她那80万全给老头也不够啊。
老头现在能做的就是离婚止损，房子分22.5万, 以后五年每年存5.5万，这样到退休也能有50万。
5年以后，如果老太维持现有消费水平，也应该还剩50万，双方持平。
和不离婚相比，好处是老头花的是自己的钱，不用看老太的脸色。
另外，照顾家庭和抚养孩子也是付出劳动啊
这个男的这样想很正常。没想到被这么砸。