By Ok_Presentation_3197 • Score: 2 • April 4, 2025 7:01 PM
I'm 36F. Both my partner and I have been together for a long time. Thankfully, no kids. We both are established within our careers and are comfortable in the sense that we can pay our bills, save, and splurge whenever we want. However, we both carry a significant amount of debt. I have the most debt out of both of us at a staggering $60, 601. A quarter of that is a car loan. And the remaining debt is student loans. Plus, we're still renting. I would love to purchase a home one day. But need to get my debt to income ratio down and begin saving for a sizable down payment. Now that I'm finally making enough money, I want to take advantage of it and pay off my car and begin paying down my student loans. I put together a thorough plan and I am on track to have my car paid off in four months. But it requires me to follow a strict budget. Once I bought this up to my partner, he quickly became annoyed with me. His main points were the following: "Tomorrow isn't promised. Why can't you just live and enjoy your life?" "You're not struggling! Why are you acting like you're broke?" "This whole country is in debt". "Why do you feel the need to pay everything off now?" "You're always trying to put so much pressure on yourself to do xyz! Just enjoy each day as if it were your last" "You need to create more balance in your life." "I hate that we're watching all of our other friends travel and go on vacations but we don't do those things together".
Though I completely understand his sentiments, I do have a sense of urgency because I simply don't want to have this debt cloud hovering over my head anymore. I want it gone and I want most of the money to go towards savings and investments. Plus, it's temporary sacrifice. Once the debt is paid, I'll have more money to spend on doing more of what we want later down the line. I don't tell him what he should do with his income. I am focused on improving mines so that I can be a better financial asset in this relationship. I told him I am willing to compromise on taking more trips together as long as they weren't too expensive and we planned it way in advance. We'll see how that goes, but he was upset with me for at least 2 whole days.
AITAH for wanting to prioritize paying off debt over not really being as worried about it and just enjoying life as it comes?
TLDR: Partner is currently mad at me for wanting to scale back on spending in order to pay off my debt to reach other life goals. He prefers I focus on appreciating everyday life instead of going so hard on paying down my debt aggressively.
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