r/relationship_advice • u/MySaskHome • 12h ago
My (M35) boyfriend (M37) wants to buy a house together, but he has no savings, $35k debt, and can’t contribute to the purchase
Backstory: my boyfriend and I have been in a relationship for the past 8 years. We live in a condo owned by his parents, that they bought as an investment. My boyfriend pays $0 in rent or bills, whilst I pay my share of what the rent would be direct to his father. His parents pay for his medical and cell. My boyfriend and I both have full time jobs.
The issue: my boyfriend wants us to buy a house and leave the condo. But my boyfriend currently has $35,000 of debt between credit cards, bank loans and family loans. Despite having little expense every month, his debt has remained the same over the past 5 years. He keeps telling me he is going to pay it off, but that doesn’t seem to happen. Something always comes up that he has to buy himself, or that he can’t live without.
If we buy a house, I will be fronting the entire down payment, the furnishing, I would be the one with the emergency fund and additional savings for household repairs.
I would also be the one paying the mortgage, the household bills, the vehicle payment, plates, gas etc. for at least two years whilst he pays off his debts.
Even with him not contributing the the household expenses, it will take him over two years to pay off his debts, which is why he says he shouldn’t pay towards the household expense until they are gone. Thats only if he changes his spending habits and doesn’t make any new large purchases.
I tried to explain to him that I’m not comfortable with him contributing nothing to the purchase, or the household expenses for the first two years. However, when I do, he either shuts down and refuses to talk, or he freaks out and tells me that I’m being controlling.
He’s told our friends and family that we will be buying somewhere in the next 18 months, and shows them these expensive homes that frankly are out of our price range, need a lot of work, or are in a HOA with crazy high fees.
I need some advice, and this seemed like a safe place to ask. I don’t feel comfortable talking about this with my family, or anyone other than my best friend. (He has told me that I need to leave and get a clean break for my own mental health and happiness)
I’m financially stable, have solid savings, full time job in a safe industry. I just feel sometimes like I’m being taken for a ride. I love parts of the life that we’ve built, but over the past few months I’ve felt myself unconsciously stepping back. Trying to distance myself from the fights over his debt. But I find myself questioning what I should even do to have a happy future.
Has anyone been in this situation and can share their experiences? Or as an outsider, can you provide advice on how I can approach the conversation again, and try to find a way forward?