I’m (early30s) about 8 months into a relationship with a 40m. Things are wonderful in every aspect, but he is absolutely atrocious with his finances. I felt it becoming an issue about two months ago. He forgets about auto payments and just generally doesn’t care. I sat down with him and looked at everything and even after talking it out he still continues to stress and it’s now causing me stress. I had a final discussion with him today about it and he went on abt how love isn’t enough for me…

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To me it’s about one big thing: the ability to admit one’s faults (we all have them) and work on self improvement. This may be finances now, but what happens when the next thing comes up (it always does)? Accepting help from someone who cares about you is paramount in any relationship. I agree with your hypothesis OP. I’m in a similar boat. SO gets super defensive and then tries to blame me for all the problems in her life, has her own glaring challenges and will not accept help or even entertain a discussion. I’m looking at splitting soon too.
You deserve a partner, not a child to have to parent.

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Sorry to say, If your values don't match, it doesn't work. All we can try is sit and talk to them and if they are not willing to fix their mess, it becomes half yours legally when married. Trust me, coming from a heavily burnt person

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You are thinking about this right.

For a 40M he should have enough experiences in life to show responsibility about his finances (unless he’s loaded or getting a very large inheritance that can afford allow him to do so).

Love is enough but it can’t fix bad financial judgement, bad loans, bad credit issues.

I don’t even consider these as a part of core values, but something that’s important for a sustainable relationship.

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I’m going to have to end it. Which makes me sad. There is no way this will work right?

I’m also just nervous about him trying to throw a pity party about it, or begging me to stay.

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