Woman Furious After Internet Turns The Tables On Her And Says She’s Financially Controlling Her BF
Interview With ExpertIt’s safe to say that reaching financial independence is a common goal for a lot of adults. However, many factors can interfere with it or keep people from achieving it, such as health issues, job losses, failing businesses, and other various personal difficulties.
One forum user, nicknamed Mochachoc, shared that she had successfully reached financial independence. That is, until her health declined and she was forced to start from scratch. During such a difficult time, she turned to her long-distance boyfriend for help. For a while, his aid was sufficient, but over time she needed more, which he refused to give. Helpless, she turned to netizens, asking if she was being unreasonable.
Scroll down to find the full story and a conversation with Adam Kol, a couples financial coach, and Emily Blain, a financial coach from “Dream Big Financial Coaching,” who kindly agreed to tell us more about financial independence in relationships.
People who reached financial independence might lose it for various reasons
Image credits: Liza Summer / pexels (not the actual photo)
For this woman, it was her health that pushed her to lean on her boyfriend for support, who overtime became hesitant to give her money
Image credits: Karolina Grabowska / pexels (not the actual photo)
Image credits: Mochachoc
A third of all women rely on their partner financially
YouGov data in 2021 showed that in many couples, around a third of all women rely on their partner financially, even if they work full-time. Meanwhile, only 11% of men are completely reliant on their other half, meaning that money issues strike less often in the male population.
As females are more financially dependent, this also means they’re more likely to be in a worse position with money if their marriage or relationship ends. 35% of women with a partner say that they wouldn’t manage well if they suddenly split up. This number rises to 59% for women who are already financially dependent on their significant other.
To avoid this, financial coaches advise having at least some level of financial independence so a person can have more freedom outside and inside the relationship. “If you’re financially independent, your partner knows you aren’t with them because you don’t have other options,” notes financial coach Emily Blain.
Meanwhile, couples financial coach Adam Kol says, “Couples should strive for interdependence, relying on each other in healthy and appropriate ways. You may want to both continue working or set aside a certain amount of individual funds and as long as you’re deciding as a team, then it can work out well.”
One of the reasons why a person becomes money-reliant on their other half is when they step into the role of a stay-at-home parent who takes care of children and their home in exchange for financial support from their partner. The dependent individual may also have a physical disability that prevents them from working. In addition, the partner might have been encouraged to quit their job when their significant other is in a good enough financial situation where they don’t have to be employed.
Dependence can bring up resentment in a relationship
As long as this situation doesn’t become a source of power, guilt, or disagreement, the relationship shouldn’t suffer. However, such arrangements are often viewed in a negative light. “Financial dependence creates an unhealthy power dynamic and the potential for control or even financial abuse. Instead, even if one partner is the sole breadwinner, you can work to ensure both are equal stakeholders in the household, including financial decision-making,” explains Kol.
Blain also mentions that “financial dependence can lead to resentment. As with anything in a relationship, good communication is important. It’s very important for both members of a couple to have their own spending money that they don’t have to justify.”
If you aren’t dissatisfied with your relationship, it’s the perfect time to make positive changes and strengthen your personal finances for the future. For this, Blain recommends trying to look into taking on a larger role in managing household expenses. “Part of financial independence is building the skills to support yourself both income-wise and knowledge-wise. If you don’t know how much it would cost to support yourself or the skills around managing a budget, start there!”
Meanwhile, Kol urges people to keep in mind that achieving financial independence won’t happen overnight. “Get support for emotional healing, and keep taking the next right step to improve your financial situation. Try to manage your expenses, boost your income, and strengthen your credit so you can get your own place to live and move forward in your life,” he advises.
In cases where financial dependency is a concern in a partnership, it’s important for couples to openly communicate any feelings surrounding it. This can help build trust and create more supportive and understanding relationships with a partner and finances as well. As a result, they might be even more motivated to help each other’s financial situation.
Readers thought the woman was wrong to accuse her boyfriend of financial abuse 
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Please tell me if I'm right or wrong, but I will only listen to the answers that tell me im right.
It seems like she was chasing online support to stick it to him with a "see, everybody agrees with me" and is not even remotely interested in anything where she is at fault. The manipulation, just in the text is amazing, a real professional grifter if ever I saw one.
Load More Replies...So, I fail to find the part where she is explaining what she is bringing to the relationship. She says she sees the relationship as a partnership/team. So what exactly is her contribution?
I also don't see how someone can financially control her (like she claims) when you have a job and don't live with that person.
Load More Replies...They’ve been dating for four years; her money problems started “a few years ago.” Sounds like she has been slowly bleeding this fellow since early on in the relationship. Also, she never mentions ever feeling like any of this money is a loan. Just gifted to her with no expectation of repayment down the road. I kind of wonder what he’s even getting out of it? A few phone calls, and a depletion of his savings? He’s like one of those women who marry death row inmates.
Throw in a God-sized entitlement as well. I like how she "doesn't think he would want to move in with her, and she wouldn't want to move in with him either." It almost seems like an online scammer is asking us if she's being abused by her victim by not being able to scam more money out of him.
Load More Replies...So she thinks enough of him (his money) to use him for handouts (not loans - gifts) but doesn't want to move in with him because he'd be 'too controlling'. This is an LDR, NOT the same as an LTR where they're living together and share bills/living expenses proportionately. WTF is this level of entitlement??
this sounds a little sus to me. I would like more info. Have they met in person? has OP been to his house? (I'm wondering if he DOES have a family) also, 1.5 million is not that much these days. that might be his retirement money. just because he has no family doesn't mean he should spend it all on OP.
That's not a partner but a sugar daddy. no shame in that but don't try to paint it as a partnership.
I am going through a situation where my ex partner lived off of me for free, for most of the last decade, and he is now filing a court case against me to get half of the equity in my house for himself, despite contributing $0 to the house, but because he resided in my house for long enough (2 years) that he was able to be considered common law status.
So she's been with him for a few years. Not married. Not living with him. So obviously the relationship hasn't progressed to a point where she can even remotely claim an "equal partnership." Oh, she want her independence. Which means she shouldn't expect him to take care of her. She also states she doesn't know his finances while claiming she's sure he's well off. This woman is ridiculously entitled.
Hi! You're going to rescue me financially for no real reason, but you better just give me your money, because I find it odious to tell her you why I "need" it.
What a spoiled house cat. Why the hell is he obligated to be financially responsible for her? Not married, not living together, no kids - and she thinks he's financially abusing her, unbelievable. She's taken advantage of him for so long she feels entitled to keep doing it and getting more and more.
I speak from personal experience. When you become disabled, it is not your fault, but it is your responsibility. I had to downsize several times, lost my savings to medical bills, and now live on social security. Sounds like she isn't facing reality, or the responsibilities of her new life.
What are either of them getting from this "relationship". She is getting money but where is the love? What is he getting? It's all very odd.
Yes there is definite financial abuse going on here, but it's her abuse of his finances.
This woman lives in the UK so there are benefits she could claim if her financial situation is as bad as she claims. It isn't a fortune, but it could help her to put food on the table. There are charities and organisations that could help her to find housing if she's desperate.
I am stunned that she has so little self-awareness. She's got things so turned around in her head that she's actually accusing the man who has been keeping a roof over her lazy head of financial manipulation? How on earth does she think she's the victim here? Ugh, that guy needs to drop her like a ton of bricks.
That was hilarious to read. Here's a sneaky plan, go out and find a job that pays you money to live. It's what the rest of us grown ups have to do.
"I'm going to post this so you all can judge for yourselves. Oh, you didn't agree with me? Stop being so judgy!!"
"Why are you making me out to be a gold digger? I'm just a woman who works very little, lives off of her partner's money, and thinks he should give me more. What's selfish, spoiled, or entitled about that?"
She's literally dragging him down into her financial situation by him being incredibly generous with her to the point he's used up his savings on her and she has the audacity to call him greedy, selfish, and abusive. There's plenty of abuse here, but he's not the one being abusive.
Her level of entitlement and arrogance is astounding. The only one being financially abused is him. She sounds as if she doesn't even like him. She only has negative things to say about him and blames him for her lot in life. That is some gaslighting right there. She even complains about not having any luxuries! If you are that destitute, you should only have essentials. They don't live together and she doesn't want to either. They probably never even dated. I think she is just stringing him along for access to his money which she is in no way entitled to any.
Get a better job to support yourself and when you are financially stable , restart your business then !! You are in your forties, act like an adult !!
Can't she be reported for some kind of abuse? She is clearly milking this guy for money. I would think this falls under fraud.
It’s financial abuse but you are the one abusing him. He should cut you loose.
Genuinely curious about what she'd do if he got hit by a bus tomorrow... who would be the new scapegoat?
OP is expecting too much from others. She is broke, she needs to cut all expenses, apply for government assistance if possible, get work out of the house, see a budgeted- but she can't rely of thus man to solve her money issues. He's letting her know he's had enough, he probably should actually tell her but it's obvious he's had enough
Some body please help Me with that acronym... Is she asking if she's butt ugly? I just don't get it. AIBU?
I guess now the Nigerian Prince is the victim. Whoo-Eee I feel like I'm on Dr. Phil. I think AI is teaching these writing classes now.
Any long distance relationship is merely a friendship and no party owes the other party anything.
"am i the b******e? but if im the b******e i dont wanna hear it" yes, yes you are a massive, gaping, b******e.
Wait. she's mooching off of him, then gets upset when called out!? WHAT??? Shocking! Get better writers, BP!
"Get better writers"? This was stolen verbatim from Mumsnet, it wasn't written by someone on BP.
Load More Replies...She needs a regular job with a salary that supplies regular income. She is abusing HIS financial decision - she is going to be finding herself single if he finds this.
Wow to it all. On top of everything, if IRS looks into it, he might be in very big trouble as donation between particulars are very heavily taxed.
i don't like this situation in any direction, my parents did this exact thing to me. . . couldn't help when my A/C went out - but replaced the windows in their house (was like over 2 grand a window), upgraded to bidets, chased the eclipse (without me), and blew no less than 10 grand on like a fifteen year old dog - - - the thing is that's my actual parents? like as in the people i've resented not being a worse kid to growing up for years now - my head is barely above water when i'm older than HE was when they had me and the idea of burdening myself with. . . frankly this article . . .is alarming, why aren't these people living together, why isn't she saving WITH him, independence sure but i mean you're aware you're not his only or even main girl y/n. . ?
I will be downvoted, but as a person, who knows very first hand what financial abuse is and had suffered it for decades since I was a kid, yes, this is literally what financial abuse is. Even his phrases are "classics" of what financial abusers use to attract and maintain their victims. And it doesn't matter, that they are not married or relatives. Promising funds and care, then denying when they are most needed is both a manipulation and abuse at the same time. And that creates a dependency situation, where it is very difficult for the person with lower income to actually earn, and that happens because of the years of brainwashing and you just stop having the means and capabilities to earn. It's the same as for physical abuse - you suffer, but you are brainwashed, that without them, you are nothing, so you are scared to leave. I've starved when I had cut the cord, that's scary. But it looks like they don't love each other, so I would suggest to go apart for both of them.
Thank you. It's easy to look on the surface but even just digging a bit deeper reveals... I mean someone going into debt constantly, and doing everything possible to avoid asking for money isn't really spoiled? But people gere are very quick to go "you asking for money? AH." Thank you fir providing, with expirence to back it up, a reasonable explanation.
Load More Replies...Please tell me if I'm right or wrong, but I will only listen to the answers that tell me im right.
It seems like she was chasing online support to stick it to him with a "see, everybody agrees with me" and is not even remotely interested in anything where she is at fault. The manipulation, just in the text is amazing, a real professional grifter if ever I saw one.
Load More Replies...So, I fail to find the part where she is explaining what she is bringing to the relationship. She says she sees the relationship as a partnership/team. So what exactly is her contribution?
I also don't see how someone can financially control her (like she claims) when you have a job and don't live with that person.
Load More Replies...They’ve been dating for four years; her money problems started “a few years ago.” Sounds like she has been slowly bleeding this fellow since early on in the relationship. Also, she never mentions ever feeling like any of this money is a loan. Just gifted to her with no expectation of repayment down the road. I kind of wonder what he’s even getting out of it? A few phone calls, and a depletion of his savings? He’s like one of those women who marry death row inmates.
Throw in a God-sized entitlement as well. I like how she "doesn't think he would want to move in with her, and she wouldn't want to move in with him either." It almost seems like an online scammer is asking us if she's being abused by her victim by not being able to scam more money out of him.
Load More Replies...So she thinks enough of him (his money) to use him for handouts (not loans - gifts) but doesn't want to move in with him because he'd be 'too controlling'. This is an LDR, NOT the same as an LTR where they're living together and share bills/living expenses proportionately. WTF is this level of entitlement??
this sounds a little sus to me. I would like more info. Have they met in person? has OP been to his house? (I'm wondering if he DOES have a family) also, 1.5 million is not that much these days. that might be his retirement money. just because he has no family doesn't mean he should spend it all on OP.
That's not a partner but a sugar daddy. no shame in that but don't try to paint it as a partnership.
I am going through a situation where my ex partner lived off of me for free, for most of the last decade, and he is now filing a court case against me to get half of the equity in my house for himself, despite contributing $0 to the house, but because he resided in my house for long enough (2 years) that he was able to be considered common law status.
So she's been with him for a few years. Not married. Not living with him. So obviously the relationship hasn't progressed to a point where she can even remotely claim an "equal partnership." Oh, she want her independence. Which means she shouldn't expect him to take care of her. She also states she doesn't know his finances while claiming she's sure he's well off. This woman is ridiculously entitled.
Hi! You're going to rescue me financially for no real reason, but you better just give me your money, because I find it odious to tell her you why I "need" it.
What a spoiled house cat. Why the hell is he obligated to be financially responsible for her? Not married, not living together, no kids - and she thinks he's financially abusing her, unbelievable. She's taken advantage of him for so long she feels entitled to keep doing it and getting more and more.
I speak from personal experience. When you become disabled, it is not your fault, but it is your responsibility. I had to downsize several times, lost my savings to medical bills, and now live on social security. Sounds like she isn't facing reality, or the responsibilities of her new life.
What are either of them getting from this "relationship". She is getting money but where is the love? What is he getting? It's all very odd.
Yes there is definite financial abuse going on here, but it's her abuse of his finances.
This woman lives in the UK so there are benefits she could claim if her financial situation is as bad as she claims. It isn't a fortune, but it could help her to put food on the table. There are charities and organisations that could help her to find housing if she's desperate.
I am stunned that she has so little self-awareness. She's got things so turned around in her head that she's actually accusing the man who has been keeping a roof over her lazy head of financial manipulation? How on earth does she think she's the victim here? Ugh, that guy needs to drop her like a ton of bricks.
That was hilarious to read. Here's a sneaky plan, go out and find a job that pays you money to live. It's what the rest of us grown ups have to do.
"I'm going to post this so you all can judge for yourselves. Oh, you didn't agree with me? Stop being so judgy!!"
"Why are you making me out to be a gold digger? I'm just a woman who works very little, lives off of her partner's money, and thinks he should give me more. What's selfish, spoiled, or entitled about that?"
She's literally dragging him down into her financial situation by him being incredibly generous with her to the point he's used up his savings on her and she has the audacity to call him greedy, selfish, and abusive. There's plenty of abuse here, but he's not the one being abusive.
Her level of entitlement and arrogance is astounding. The only one being financially abused is him. She sounds as if she doesn't even like him. She only has negative things to say about him and blames him for her lot in life. That is some gaslighting right there. She even complains about not having any luxuries! If you are that destitute, you should only have essentials. They don't live together and she doesn't want to either. They probably never even dated. I think she is just stringing him along for access to his money which she is in no way entitled to any.
Get a better job to support yourself and when you are financially stable , restart your business then !! You are in your forties, act like an adult !!
Can't she be reported for some kind of abuse? She is clearly milking this guy for money. I would think this falls under fraud.
It’s financial abuse but you are the one abusing him. He should cut you loose.
Genuinely curious about what she'd do if he got hit by a bus tomorrow... who would be the new scapegoat?
OP is expecting too much from others. She is broke, she needs to cut all expenses, apply for government assistance if possible, get work out of the house, see a budgeted- but she can't rely of thus man to solve her money issues. He's letting her know he's had enough, he probably should actually tell her but it's obvious he's had enough
Some body please help Me with that acronym... Is she asking if she's butt ugly? I just don't get it. AIBU?
I guess now the Nigerian Prince is the victim. Whoo-Eee I feel like I'm on Dr. Phil. I think AI is teaching these writing classes now.
Any long distance relationship is merely a friendship and no party owes the other party anything.
"am i the b******e? but if im the b******e i dont wanna hear it" yes, yes you are a massive, gaping, b******e.
Wait. she's mooching off of him, then gets upset when called out!? WHAT??? Shocking! Get better writers, BP!
"Get better writers"? This was stolen verbatim from Mumsnet, it wasn't written by someone on BP.
Load More Replies...She needs a regular job with a salary that supplies regular income. She is abusing HIS financial decision - she is going to be finding herself single if he finds this.
Wow to it all. On top of everything, if IRS looks into it, he might be in very big trouble as donation between particulars are very heavily taxed.
i don't like this situation in any direction, my parents did this exact thing to me. . . couldn't help when my A/C went out - but replaced the windows in their house (was like over 2 grand a window), upgraded to bidets, chased the eclipse (without me), and blew no less than 10 grand on like a fifteen year old dog - - - the thing is that's my actual parents? like as in the people i've resented not being a worse kid to growing up for years now - my head is barely above water when i'm older than HE was when they had me and the idea of burdening myself with. . . frankly this article . . .is alarming, why aren't these people living together, why isn't she saving WITH him, independence sure but i mean you're aware you're not his only or even main girl y/n. . ?
I will be downvoted, but as a person, who knows very first hand what financial abuse is and had suffered it for decades since I was a kid, yes, this is literally what financial abuse is. Even his phrases are "classics" of what financial abusers use to attract and maintain their victims. And it doesn't matter, that they are not married or relatives. Promising funds and care, then denying when they are most needed is both a manipulation and abuse at the same time. And that creates a dependency situation, where it is very difficult for the person with lower income to actually earn, and that happens because of the years of brainwashing and you just stop having the means and capabilities to earn. It's the same as for physical abuse - you suffer, but you are brainwashed, that without them, you are nothing, so you are scared to leave. I've starved when I had cut the cord, that's scary. But it looks like they don't love each other, so I would suggest to go apart for both of them.
Thank you. It's easy to look on the surface but even just digging a bit deeper reveals... I mean someone going into debt constantly, and doing everything possible to avoid asking for money isn't really spoiled? But people gere are very quick to go "you asking for money? AH." Thank you fir providing, with expirence to back it up, a reasonable explanation.
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