Dear Eric: I’m a 62-year-old female and have been married to my second husband (he’s 65) for 30 years. We are empty nesters. Never once has my husband divulged to me what his financial situation is. He still works, but now that I am disabled and don’t work anymore, I depend on him financially.
I have no idea where we stand. I’ve asked him many times to sit down with me and plan a budget. I feel like I’m going through life fiscally blind. What can I say to convince him to give me that information? What would happen if he died before me?
Eric says: Focus on the question of long-term care and stability should he predecease you. Ask him what his end-of-life plans are. Does he have a will? How will you know what his accounts are, should you survive him? Framing your concerns as questions about long-term planning may help him understand how important it is to be forthcoming.
Generously, I want to assume his reticence is due to machismo — i.e., he wants to take care of you. But withholding information, especially when it’s asked for repeatedly, is awful in a marriage.
It’s irresponsible for him not to plan or for him not to let you know what that plan is.
Taking a nasty turn
Dear Eric: I am a 58-year-old divorced woman. I have been dating my current partner for eight years. He is a talented, sensitive, complicated man.
If we have a disagreement, he can get mean, tends to call me names, monopolizes the conversation and rarely understands why I am upset.
I need to understand why he turns into a different person when we argue. I am confused and need advice.