How do You Know When to Pull the Plug on Your Marriage?

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The Two Fears That Almost Kept Me Married

When do you decide to give up on a marriage, actually call it quits, and ask for a divorce?

I ask because I honestly don’t know the answer. I never made that decision myself; my ex made it for both of us. Left to my own devices, I probably would have stayed until death do us part. I have a high tolerance for pain, and I’ve always preferred trying to fix things over walking away from them. I still want an answer, even though I’m slowly learning there isn’t a clean one, which is basically why I’m writing this at all. When do you actually call it quits?

Put another way: what’s actually stopping you from initiating a divorce, if part of you wants to?

From what I’ve seen, mostly fear. Two fears in particular tend to do the heaviest lifting: money and the kids.

Let’s take them head-on.

Fear One: You’ll Be Much Worse Off Financially

Being poor was one of my fears too. Combined, my husband and I could live comfortably in an expensive city on one income. Divorced, that math falls apart. I’d need a job, we’d need childcare, we’d need to split assets and fund two households instead of one. Both our standards of living would drop. That was a genuinely depressing thought, enough on its own to keep divorce off the table. I’d rather be unhappy and financially stable than happy and broke, or so I believed at the time.

My divorce happened anyway, and yes, my net worth dropped. My cash flow took a real hit. That brought real anxiety with it. I used to build monthly budgets just to confirm, yet again, that there wasn’t enough coming in to cover what was going out, which only fed the anxiety further, until I finally made the connection that stressing myself into a spiral wasn’t actually accomplishing anything.

Eventually I realized I’d always managed, one way or another. I cut my spending, found ways to bring in more money, made decisions, and kept moving forward in a direction that matched what I wanted for my life. For some people that means earning more. For others, it means spending less. Either way, there’s usually a path through.

Three years out, I can say plainly: being happier on my own is worth far more than what the divorce cost me financially.

Fear Two: The Kids Will Suffer

I’d been the primary caregiver for our two kids, four and six at the time we separated. I genuinely couldn’t picture their dad managing them alone for half their lives. Surely they’d go unfed, unbathed, put to bed late, and laundry would pile up forever. And beyond the logistics: my kids wouldn’t be with me for half their lives. They were four and six. They needed their mother. I needed them. They were, in a lot of ways, my whole purpose.

To be clear, my kids wanted us to stay together. My youngest once cooked up a plan where I’d rent an apartment in the same building as his dad, so we could live down the hall from each other. Adjusting to only having one parent around at a time was hard on them at first. But they adjusted. Honestly, it wasn’t even that different from before; my ex and I had barely occupied the same room together for the two years leading up to our separation anyway. They still have to manage two different sets of house rules, switching gears twice a week, but that’s just life. We all have to manage shifting expectations across different parts of our lives, jobs, family, everything. Kids of divorce just get more practice at it earlier than most.

It was harder on us, the parents, I think. I missed my kids desperately for a full three years after the divorce; I have the blog posts to prove it. It took my mom asking me this past summer, while the kids were away for their two-week stretch with their dad, “Do you miss your kids?” for me to actually notice something had shifted. I said, “No, I don’t miss them,” and then really sat with what I’d just said. The old version of me would have felt like a traitor for saying that out loud, wondering what kind of mother doesn’t miss her kids. Instead, I recognized it for what it actually was: a real milestone, for me, for their dad, and for them.

It took three years to build a life that could actually make me happy while my kids were away, and three years to genuinely trust they’d be fine with their dad. What I’ve come to believe, in that time, is that kids do better with two parents who are both actually capable of caring for them. Yes, it takes more coordination, and the back-and-forth between households is tiring, sometimes a little painful. But now they have two parents who can feed them, get them to school, sign them up for activities, and arrange their own plans. Two parents genuinely involved in their lives. I probably still do more, if I’m honest, but their dad is doing far more than he ever did while we were together. If we’d stayed married, I’d likely still be doing everything, and he’d likely still be on the sidelines. Now I have my own life, and a life as a mom, both. Time for my own things, my own work, my own growth, alongside real trust that my kids are being cared for by someone who loves them. That’s a genuinely good outcome.

It took three years to get here, though. Three years to understand that their dad does love them, and that doing things differently than I would isn’t the same as doing them worse. It’s just different. How do you even judge what good parenting looks like? The best I’ve landed on: a good parent is someone who loves their kids and is genuinely trying to do right by them.

Three years out, the fears that kept me in my marriage turned out to be mostly unfounded. I’m grateful my ex worked through his own version of those same fears and finally ended things. The marriage had run its course. We were done. We’re better for being divorced.

Pay for your own coffee

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Pay for Your Own Coffee

I have friends currently in the dating stage of life, which is fascinating to hear about secondhand, and, being me, the money part catches my attention most.

Nearly every friend I have insists it’s the guy’s job to pay for dinner and drinks. One recently tried to pick up the check anyway and got a “come on, let me be a man” in response; he took it back before she could finish the gesture. Another friend of a friend apparently uses dating to fund her nights out; when money’s tight, she finds someone online willing to take her to dinner. It always works.

I asked around: is there ever a real conversation about the bill? Mostly no. A woman might make a token gesture toward paying, mostly for politeness, but that’s usually where it ends.

What strikes me is that these are all women in their forties, all at least as financially secure as the men they’re dating. This isn’t about need.

So what does this actually do?

One friend went on two dates with someone who paid both times. After the second, she decided they weren’t a match and spent two full days agonizing over how to tell him, instead of sending the simple, honest note she eventually did. She told me it would’ve been so much easier to end it if she hadn’t felt like she owed him something for the forty dollars he’d spent.

A more serious version of this happened to another friend some years back. A guy took her to a fancy dinner, and when the night didn’t end the way he expected, he made his displeasure clear and never contacted her again. She was, fortunately, someone who didn’t let that kind of thing shake her, and her read on it was good riddance. Not everyone comes out of a situation like that as unbothered.

My honest take: men get a lot of leverage for the price of a fairly cheap dinner. Some women consciously use that dynamic to their advantage, which is fair enough, but it still reinforces a pattern that doesn’t really serve anyone in the long run.

This dating-and-paying pattern sets a template, and if the relationship continues, that template often carries forward. Being financially taken care of by someone else shifts the whole balance of power in a relationship. I see a version of this with my own kids: I pay, and I make the decisions.

Do women need to be taken care of? What people actually need in a relationship is to be loved and respected, and assuming upfront that someone can’t take care of herself financially isn’t really either of those things.

I’ve met several widows through my volunteer work preparing taxes for seniors. Almost without exception, they were never the ones making the financial decisions in their households. Learning to manage money for the first time as a senior after losing a spouse is genuinely hard.

The pattern starts small, right at the beginning. Going on a coffee date? Pay for your own coffee.

Same Money, Different Story

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Same Money, Different Story

Retirement takes up a lot of space in our collective consciousness. It’s what we’re all supposedly saving for, and it’s especially loaded right now, when so many people struggle to get by while working full-time.

How are we supposed to save for retirement when we can barely manage the present? Maybe we should all give up. Who needs savings anyway?

That’s a self-fulfilling prophecy if I’ve ever heard one.

Interestingly, plenty of people keep saving anyway. What story are they telling themselves? Maybe they’ve noticed how many impoverished, vulnerable seniors are already out there, and that’s motivation enough. Maybe they still have hope for how things will go. Maybe they’re just hedging their bets.

Whatever story you’re telling yourself about saving right now is quietly shaping how you actually live and spend.

I first noticed how much these stories matter through my volunteer work with the Community Volunteer Income Tax Program. In one year alone, I helped file forty-four returns for low-income seniors, and the highest earner among them made $28,000. During tax season, the line at the Seniors’ Centre wraps around the block. The cutoff to qualify for free filing is earning under thirty thousand dollars a year, and even that’s generous relative to what most people in that line actually bring in. Between Old Age Security and a maxed-out CPP contribution history, someone with no other savings tops out around twenty-five thousand dollars a year. That’s a lot of seniors living on very little, each carrying a different story about how they got there.

One woman I helped had lost her husband years earlier, and with him, the financial security she’d expected to carry her through old age. She’d never worked outside the home. What little she had left, she’d since lent to family, and that money hadn’t come back to her. Every time I saw her, that loss came up again, clearly still the loop playing in her head. And yet she was sharp, put-together, moved quickly for her age, lived somewhere lovely, and had grandchildren who visited. None of that seemed to register next to the story she was telling herself. I could see the worry sitting right on her face.

Another man I helped, in the same building, offered me tea while I worked through his return. We talked about music, hobbies, his dog, who he still tried to walk daily even though walking had gotten harder. He seemed genuinely upbeat.

Financially, there was no real difference between them. Same fixed, minimal means, same basic constraints. But they were living in two completely different stories.

We all find our own way of coping with whatever we’re handed. How we manage it, and the story we tell ourselves about it, shapes how the present actually feels, and how the future unfolds from there.

Most of us will eventually retire, and eventually stop being able to earn. It’s worth planning for. If you want to know where I personally land on it, I’m solidly in the hedging-my-bets camp. It’s a lot easier to stay hopeful when you feel like you have some actual control over your own situation.

The Story I told myself about money

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The Story I Told Myself About Money

The stories that play in our heads usually get planted there by whatever’s happening in the world around us as we grow up. We absorb them from parents, friends, and the wider culture, and depending on how loud and constant they are, we tend to adopt them as fact.

Growing up, the story in our house was: be careful with money, save for the rainy day that’s definitely coming. Good luck doesn’t last, and you’d better be ready when it runs out. That story wasn’t unique to my family. Most of our parents had grown up under parents shaped by war and depression, and they’d had the same story drilled into them. They passed it down.

Everyone interprets an inherited story differently. Some people hear “good luck can’t last” and decide to spend freely, so there’s nothing left to lose when the bad day comes. I went the other way. Every purchase became an internal debate: do I need this, or should I save it for the day I can’t earn anything and end up destitute? The rainy day always won. So I mostly just stopped spending.

The only exception was spending money with someone else who was operating from a different story than mine. As a lifelong people-pleaser, I weighted other people’s arguments more heavily than my own; if someone told me it was fine to buy the thing, I’d buy it, then spend the rest of the day quietly justifying it to myself, wrapped in guilt.

Sometime in my thirties, I noticed how extreme this had gotten and dialled it back a bit. But the core belief that ruin was coming eventually never left. Then I got married, had kids, and my ability to save took a real hit. I worried about money constantly. It was exhausting.

Then I got divorced.

And there it was: proof. My story had finally been confirmed.

Starting over after divorce is hard enough. Starting over while genuinely believing the world has ended and you’ll never see financial stability again is a different level of hard. The day I’d spent my whole life bracing for had finally arrived. I was going to be financially unstable forever. That’s a difficult belief to build a life on. I tried to limit the damage by taking no risks at all, hoarding whatever savings I had left and making them last until I died.

Then I started noticing other people telling themselves different stories. One that fascinated me: if you run out of money, you go find a way to make more. Really? That was allowed?

Another was the gratitude story: friends who felt genuinely lucky to live where they lived and have the work they had, who seemed to move through life with more actual joy because of it.

Slowly, I noticed something else too. Doomsday hadn’t come. I hadn’t become destitute. I had only believed I would. That belief was never true; it had just been busy manufacturing my reality anyway.

So what did the story actually do for me? It helped me save, and I’m genuinely grateful I came out of my divorce with some financial stability because of it. But did I need the guilt and buyer’s remorse that came bundled in with the saving? Honestly, no. I could have saved just as well without any of that extra weight. Pay yourself first; that’s really all it takes. I did that automatically every month. The guilt over everything I spent afterward wasn’t doing anything useful. It was just the cost of believing a story I’d never actually tested.

Do you have a story about money running in the background of your own head? What is it actually doing to how you live?

No Hobbies

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No Hobbies

Do you have your own business? Are you thinking about starting one? I’d tell you to put some structures in place for work-life balance.

Or not.

I was conflicted about this for a long time. I loved my work so much that everything else basically fell away. Someone once asked me what my hobbies were. Hobbies? I genuinely didn’t know what to say. I was too embarrassed to admit that Netflix had become the closest thing I had. I felt bad about it for the rest of the day.

Once I couldn’t come up with an answer, I started beating myself up over it. How had I ended up here, when my old tagline used to be something like “the only thing Renée is truly passionate about is her leisure time”?

Part of it was practicing gratitude. Once I started looking at my life through everything I was grateful for, including the work itself, it felt completely different. I wanted to be doing it. I’d chosen all of it. No one was making me.

But there was something else going on too. When you work for yourself from home, there’s no clean line between the workday starting and ending. The moment you’re awake, you’re potentially working.

A friend put it well once: someone with a nine-to-five has clearly defined hours they’re not being paid for. A sole proprietor doesn’t have that boundary built in anywhere, which makes it easy to just default to working whenever nothing else is scheduled, especially when you actually love the work.

That’s exactly what happened to me. I did what needed doing (the kids, the laundry, the shopping), and every remaining hour went to work by default. If nothing else was on the calendar, I worked.

As much as I loved it, I could see where that was headed: burnout, too many hours at a screen, not enough of anything else.

What I eventually landed on was that leisure time has to be scheduled deliberately when you’re self-employed. Just having free time doesn’t actually work. It’s a vacuum, and work rushes straight into it.

So I booked a weekly exercise class and paid for it upfront, since accountants hate wasting money more than almost anything else. I gave myself an actual non-work schedule and held myself to it the same way I’d have held myself to a time card if someone else had been the one setting my hours.

Marriage Is a Credit Card

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Marriage Is a Credit Card

I’ve been getting some strong reminders lately about the importance of planning. Very strong.

The core lesson keeps repeating itself: skip the upfront planning on something important, and things can go badly wrong. Do a little work ahead of time instead, and life tends to go a lot more smoothly.

One place I don’t think enough planning happens is marriage. Plenty of wedding planning, sure, but not nearly enough marriage planning.

Here’s my evidence: ask anyone who’s been through a divorce, and they’ll likely agree that getting married is a walk in the park compared to getting divorced. Divorce is hard enough that some people just stay in unhappy marriages rather than face it. No escape plan, so they simply don’t leave.

A good comparison is credit cards and credit card debt.

Credit cards are easy to get, and a lot of fun if you haven’t thought much about what happens once the statement shows up. You get the card, you go shopping, and the first couple of months feel great. Then reality lands: wait, I have to pay this back? Plus interest? And if I don’t, I’ll be paying it off for decades?

At that point, getting out of the hole takes real, sustained effort. Getting into it was effortless.

Marriage works the same way. It was easy to get married when I was practicing, roughly a hundred dollars for the license, a few hundred more for someone to say the actual words that make it official. And then you’re married.

I hope you did some planning together about what the marriage would actually look like, and even more planning around what happens if it goes wrong. Because getting out is nowhere near as simple as getting in. You can’t just tear up the license.

You need a separation agreement, and those are hard to get precisely when you need them most. Once you and your spouse have reached the point of divorcing, you’re usually not getting along especially well, which makes agreeing on anything harder. So you hire help: a lawyer, a mediator, a counsellor, a financial planner, an accountant. Those professionals charge considerably more than the marriage commissioner did- several hundred dollars an hour, in my experience- and reaching an agreement could take a long time.

Or you skip all that and let the courts decide, representing yourself and leaving your future in the hands of a judge who’s never met you. Most people don’t take that gamble and hire a lawyer instead. A court divorce generally costs thousands more than a mediated or collaborative one.

The way around all of it is planning. Build a marriage agreement with a qualified professional before the wedding, not after things fall apart.

Yes, it costs money, and no, planning for a hypothetical future divorce isn’t remotely romantic.

But look at it this way: reaching a marriage agreement takes far fewer billable hours, because at that point you and your soon-to-be spouse are still on the same page. You’re about to get married, after all.

Not on the same page? Struggling to reach that agreement?

Then I have to ask: why are you getting married?