The wife and I sat down not long ago to talk about finances. I spent most of the time listening, as it is rare she sits down to talk *with* me — it’s usually a “talk at” session.
As usual, she talked around lots of things, as an attempt to think them through. The only clarity arrived at was that she’d changed her mind several years ago on “how we must fund” the daughters’ college years, forgot to tell me, and was assuming I’d been acting on the changed agreement the past decade or so.
The first daughter’s already taking college classes. *shakes head*
I’m repurposing the municipal bonds (capital and coupons) to fund undergraduate educations. This will be a full liquidation. Finally, I can shift us from overweight bonds to a more appropriate stock-heavy asset allocation (40% stock to 90% stock).
Throw out a third of our capital?! BBQWTF! That torpedoes the *fourth* run at FI. If I’m going to have a shot at even “on-time retirement” for myself, I go back into the work-a-day world to bring in a second full income.
She’s also been trying to play the “martyr” and “if you loved me” cards about working full-time to support the household plus her mother plus her niece, plus doing excessive volunteer work. She doesn’t like that I’ve called her on it. We’ll see how this all plays out over the next quarter, as I land the next job (to get her off my back) and work side hustles (to buffer the household against whatever next shock she’ll inflict).
Gonna be … interesting. Moral: find a compatible partner, keep the communications active in both directions, and get agreement on what’s most valuable *for the household*.