I resent my fiancé

Cary’s classic column from MONDAY, SEP 24, 2007

I grew up dirt-poor, so I should be happy that my future husband has money, but I’m mad at him instead!


Dear Cary,

Hopefully you can help me sort out this weird contradiction inside me, which started shortly after becoming engaged.

The man I am engaged to is everything I’ve always wanted to find, but after dating a long string of losers, I had resigned myself to being essentially alone. I actually enjoy being single and doing whatever I want, but I had always kind of hoped someone like this would come along. And, out of nowhere, he did! And he is amazing, would do anything in the world for me, is so kind and caring and funny, etc., etc.

And, as I only recently found out after meeting his parents, filthy rich.

I had no idea! He doesn’t live like a rich kid. He drives a beat-up old car, lives in a sparsely furnished and dingy-ish apartment, does or says nothing that would indicate that he is set to inherit millions. His grandmother was a famous actress in Hollywood, his parents live in an actual mansion; they are loaded. I was stunned to find all of this out. So, the man of my dreams becomes even more dreamy, right? Well, sort of … except now I find myself becoming more and more resentful of him and his upbringing every day, and I think it’s breaking us up!

See, I was not rich, or middle-class, or even lower-middle-class. We were POOR. My dad took off when we were young and my mom had a bunch of kids and a hardcore drug problem. I’m the oldest, so I took care of the younger kids while my mom was strung out, or missing, or screaming at us for one imaginary reason or another. Basically, it was hell and it makes me sick to think about it.

The good (almost miraculous) news is, all of the brothers and sisters are adults now and none of us have any drug problems, we all went to good schools and have steady jobs, no train wrecks in the bunch. I thought I had emerged unscathed and was doing a good job supporting myself and being happy, and then I unexpectedly meet this wonderful man, and then find out he’s rich, what more could I ask for. I should be deliriously happy. Instead I find myself sabotaging our relationship.

He tells me about fabulous trips he went on as a kid like they were no big deal, and I think in my head, “He is so ungrateful for everything he’s been given.” Or he’ll tell me about the private schools he went to, and I’ll think, “He has no idea what it means to struggle, how can he ever possibly understand ME and where I’m coming from?”

How can I get back to where it was, before I knew his family had all this money? When we were relaxed and easygoing with each other? Now things are tense, and I know it’s because my attitude toward him has changed. I have a snotty tone with him that wasn’t there before, so in return, he is acting distant toward me. Is it true that he is shallow because he’s never had to deal with hardship, and we will never truly understand each other?

He doesn’t judge me and where I came from so why am I doing it to him?

Resentful

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Dear Resentful,

Perhaps you could say to him something like this:

I grew up poor. I grew up poor and it affected me. It affected me in ways that I have never honestly articulated.

It is not something I talk about. I thought I had put it behind me. But obviously I haven’t. Seeing your parents’ house brought back many powerful feelings. I did not expect this. But here it is. Money, and my feelings about money, are now part of our relationship. So now we need to talk about money.

I would like to begin by saying that I had no idea that you had money when we met. I saw you and fell in love with you for who you are. You were the perfect man for me. But now for the past few days or weeks I have been being mean to you and I know you have noticed. It is because all these feelings of hurt about money have come back. I know that having money is a wonderful thing. But right now I am reminded of how I felt back in the time when I was growing up dirt poor with a drug-addicted mother, taking care of my siblings. This was a very hard time for me. Among the things I felt at the time was that people with money can never understand what I am going through. I formed this opinion as we often do in a state of great pain and deprivation. I projected onto people with money my own feelings of shame and worthlessness. It was a way to get through it and survive. But now I find I still carry these ideas with me, the way we find sometimes we are still carrying ideas of racism or sexism, or odd, personal prejudices, ideas that don’t make any sense given the facts, but which were formed in moments of great pain and despair, to help us get through it. So now I am sitting with you, whom I love, whom I plan to marry, and I find that you are a rich man. How do I regard you differently now that I know you have money? In my mind there is great confusion. How can I love a rich man? How can I marry a rich man? How do I separate the man I know from the man I think of as a rich man? I know who you are. You are just a man. You are a good man. Yet there is this money out there, attached to you, in your past and in your future. Does that make you a rich man like the rich men who ignored me when I was dirt poor and struggling to protect my siblings? No. But it reminds me of those times, and makes me sad and angry, and I am full of those feelings now, and so those feelings are a part of us, our relationship, our marriage. We will have to make room for those feelings. I am bringing them with me like a trousseau.

Money, I find, has deep meaning for me. For one thing, for me it is about responsibility. It is not about luxury but about want. Oddly enough, this just comes to me now, as I imagine many things will come to me as we talk about this: I still feel responsible for my siblings! How can that be? But I do. And I am worried what they will think if I marry a rich man. All these thoughts are running through my head. I am the responsible one. I am the one who takes care of everyone. How can I take care of you if you are the one with the money? And who will have the power when we marry? Who will control the money? Will we fight about money? You do not seem to care about money. This attitude I cannot fathom. My cares about money are boundless. My passions about money are boundless. To feel nothing about money is beyond my wildest imaginings. I am afraid you will reject me because of my attitude toward money! I am afraid of people with money because they have the power!

Here is my fear about marrying a man with money: Will you forget who I am? Will you forget who I am when you are with your rich friends? Will you place me in situations where I feel uncomfortable? Forgive me, but I must say this: You cannot forget that the woman you are marrying was once dirt-poor. I will not let you forget. It will have to be a part of every day for you, as it is for me. If you cannot accept that, then we cannot get married. You have to tell me now. Are you ready? Are you ready to marry a woman who was once dirt-poor, whose mother was an addict, whose view of the world was forged in a cauldron of fear and deprivation? Are you ready?

You make me happy with your answer. I was afraid but now it feels like it did at first before I knew you had money. I think it will be OK. But I will be a little crazy about the money. I will have to work through some things. But here is what I want. I want you to learn from me about poverty, about what it does, about how it happens, about why it is so hard to get out of, about why those who have money have an obligation — because it is often just an accident who has the money. In getting out of poverty, in working and struggling, I have come to believe that when certain things come unexpectedly into our lives they must be viewed as opportunities. So this, scary as it is, must be viewed as an opportunity. This is an opportunity for me to teach you about poverty. This is an opportunity for you to teach me about being rich.

And so on and so forth. I know I’m putting words into your mouth, but this is a conversation about money that ought to take place in many homes, between many people, because many of us have been poor and when we see a rich person or hear about money we feel torrents of emotion that we feel sometimes we can never explain. It is not so terribly complicated. Things happened to us and we never forgot it, and we carry these ideas with us to help us get by. But we need to have this conversation. It is the conversation we need to have as we step over bedraggled people in rags who sleep on our streets.

Demanding the big rock

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 She wants her fiance to spend three months’ salary on her engagement ring. Is that fair to the man?

 Cary’s classic column from FRIDAY, JAN 28, 2005

Dear Cary,

About a year and a half ago, my husband’s and my best friends broke up. She was unhappy and disappointed with him; he was rejecting and cheating on her. We all got together and got married at the same time, and they had been together over 12 years. They have a son (whom the husband never wanted) who is now 3. Since then, he has been through a couple of new girls, and she has recently moved in with her boyfriend of about a year. He is the complete opposite of her ex-husband, and is a very good man. I thought he would be her rebound man, since he was the first one after the split and is not really her type, physically or culturally. She has said right from the beginning that she’s not really attracted to him or passionately in love. She has been honest with him about that, but he hung in there. She now says that she loves him, but not like the way she loved her ex. He is good to her, and is trying hard with her son, who is a willful boy, to say the least.

My concern is that she may be in this relationship for the wrong reasons, but maybe I think that because I was raised very differently from her. I never expected a man to take care of me or that I would be dependent upon anyone. My friend sees this man as a way out of a financial hole. While my husband and I were progressing in our careers, our friends were working low-wage, dead-end jobs, despite high levels of education and potential. My friend has had severe financial difficulty, particularly since the baby and the split. Her job is better now, but she still couldn’t support herself alone. Her boyfriend’s company pays their living expenses, and he has always saved his money — he doesn’t believe in living in debt. This support is enabling my friend to get back on her feet financially. Her boyfriend is very generous, and she takes good care of him.

They have a conflict, though — they have been talking about getting married and she is adamant that she wants an expensive engagement ring — worth three months of his salary. She says that she doesn’t want to be greedy, but after the split she told herself that her next guy would be fairly well-off and the ring is an important symbol of that to her. I tried to tell her that’s a lot of B.S. put out by the diamond industry, but her upbringing was more traditional and she wants this. She’s also starting to lobby for a new, more expensive house, which he would pay for. He doesn’t believe in spending money on rings, he would rather spend it on something more worthwhile — like a vacation or furniture or a house. He has also depleted his savings setting up their current home for her, and needs some time to recuperate, but my friend is working herself into a tiz over the ring.

My question — is this a normal expectation that women have? It seems very antiquated and unfair to me. Is it right for my friend to expect an expensive ring? I see a lot of women wearing them — am I the weird one for thinking it’s ridiculous? Actually, I think part of the problem I have with this situation is that I see her as selling her soul for material goods. She loves this man, but does she love him enough? I don’t know.

Feminist Friend

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Dear Feminist Friend,

My first thought is that your friend feels so strongly about the ring because it represents restitution, the righting of a wrong. “Wow,” she may have said to herself, “I was royally mistreated by my first husband, but I learned a valuable lesson. I’m going to make sure the next man treats me right.” I don’t just mean that the first husband didn’t give her enough jewelry, either. It’s about more than that. As women have achieved greater economic independence, some of the exchanging of goods between men and women has acquired an air of quaint antiqueness. So it’s important to remember that the exchanging of goods is about more than just the goods.

Social progress in private behavior is full of paradox, because as we become more “progressive” and “fair,” the remnants of feudalism and patriarchy retain a deep psychic pull, sometimes erotic, sometimes infantile and sometimes poetic. The magic of a ring, for instance, can work on many different levels. It can, for instance, convert to purposes of erotic narrative the politically objectionable facts of economic inequality between men and women. By sacrificing so much of his cargo for this ring, he is demonstrating his willingness to go to great lengths to satisfy her desires — which, you must admit, can be quite an attractive trait in a man. He is also performing a sort of quest, or contest: She sets for him this task, which he must complete to win her. He undertakes it willingly because he understands what the act represents: not that a woman is an object to be bought, but that, in an era of continuing economic inequality between the sexes, he is willing to sacrifice some of his goods on the altar of post-feminist reality. (Am I stretching it? Have I had too much coffee?)

We all know that in spite of social progress men still make more money than women and thus wield more power. So requesting that he buy this ring, although it sounds old-fashioned, may also be her way of asking that he recognize this continuing social and economic inequality; the act of buying the ring is a symbolic giving up of his unfairly derived power, a laying himself bare. It is also a symbolic sacrifice, much as one might spill wine or burn the flesh of sheep or goats. It makes ethereal beauty of a gross material good, as it were, much as the pressure of the earth itself over millions of years makes diamond of coal. It is a kind of alchemy, if you will: The man willingly transforms some of his economic power into a thing of beauty to adorn the woman. This could be a deeply satisfying ritual. It doesn’t have to be seen as a brazen and crass gold-digging.

On the other hand, such rituals can be practiced without any understanding of their underlying psychological significance. He may think that he’s buying her. She may think he’s just paying what she’s worth. Who knows? Once the man renders himself vulnerable in this way, it may be tempting for a woman who is still smarting from her former mistreatment to take advantage of his vulnerability, to enact her revenge on him as representative of men in general. He is piling his goods up for her, displaying them, hoping to win her. She may be tempted to take the stuff and run. So he is testing her as well: Can she resist the temptation? Can she accept what he offers and not become greedy? Can she absorb the meaning of his generosity and be satisfied by it, or has she some moral flaw, some bottomless hunger, some insatiable need?

Let’s hope not. Let’s hope they are both capable of understanding the rituals they are performing. (Or at least that they respect their mystery. Part of a ritual’s power is that we don’t fully understand it in a literal sense; it retains a mysterious power over us, whence comes its peculiar satisfaction.)

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My aunt lent me money … with one condition

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I desperately needed money so I agreed to her terms, but I find them chilling and bizarre

 Cary’s classic column from  Sunday, Nov 21, 2010

Dear Cary,

Almost 10 years ago my wealthy aunt loaned me some money. I have not seen or spoken to this aunt in many years now, nor have I repaid the money. I would very much like to repay her, or at the very least set up a payment plan so I can begin paying her a little at a time, but so far it hasn’t happened.

I am deeply ashamed that I haven’t picked up the phone or written a letter to at least acknowledge the situation, but so far I haven’t been able to bring myself to do so. This is partly because of the money and the length of time, but more than that it’s because of the circumstances of the loan. At the time, I was desperate for the money because I was trying to escape my abusive ex-husband, as per his parole officer’s recommendation.

My family has never been close. It is one of those families where there is a history of mental illness and everyone is always not speaking to everyone else. It took a lot for me to ask anyone for a loan at all. I was very scared and nervous about it, and the first relative I asked turned me down, which made it especially difficult to work up the nerve to ask my aunt but I was desperate.

My aunt immediately agreed to loan me the money, but the conditions of her loan broke my heart. Rather than requesting your standard IOU, she made me write and sign a form stating that if I should meet an untimely demise she would get her money back from my estate. At her request, my IOU specified that I might die soon. She was worried that my husband would murder me and she wouldn’t get her money back.

I was so anxious to get away from my husband that I wrote and signed whatever I had to, but I was stunned and hurt. I kept thinking of my own nieces, knowing that if one of them came to me with a situation like that, the very last thing that would ever cross my mind would be concern that I would not be paid back if she were murdered. My aunt did not even so much as ask if I was OK. My aunt does not love me. No one in my family loves anyone else, it seems, and that has as much to do with the fact that I haven’t seen or spoken to anyone in so long as any of the rest of it.

My horrid, vindictive mother insists that I not repay my aunt (her sister) because of what my aunt did, but I don’t want to be like that. I don’t want to keep her money as payback for being cruel to me. She doesn’t owe me that money for revenge purposes. I would like to pay her back in full, but I am not interested in a relationship with her, or with anyone else in my family for that matter, including my mother. I have thought about it very seriously for a very long time, and I have decided that they are too far gone. The dysfunction is too severe and too deep. There is not one single relationship there worth even trying to salvage.

I am in serious financial trouble, to the point that I left the U.S. entirely because I could no longer afford to live there. Despite this, it’s been so many years. By now, had I even paid her $10 a month, I would no longer be in debt to her.

I like my new life in my new country, where everyone else seems to be as poor as I am. I am happily remarried and I have two baby sons. I am now a part of an extended family who does love each other very much. My own family is a part of my past that I’d like to forget, but I can’t stop thinking about the money. I need to pay it back, but in order to do that I have to make contact. I have to write or call my aunt and potentially open myself up to even more pain and humiliation.

I am in so much debt. I owe thousands of dollars to stateside hospitals for the baby I recently gave birth to and also for the baby I lost before him. I haven’t even been able to keep up with any kind of payment plan for those bills, and I can’t imagine where I’ll find the money to pay my aunt. For years now, every single time we are tallying up our bills and our debts and trying to figure out what to do about it I tell my husband, “And my aunt … don’t forget I need to pay my aunt.” Invariably he reminds me that it’s not a priority. He has seen very little of my family, and what little he has seen was enough for him to realize he didn’t want to see any more.

When there is so little money, and so much emotional and literal distance between us, I am not sure how to go about even beginning to pay my aunt back. Where do I start? What do I say? Should I just stick to the finances and not mention to her how it felt to realize that she would be willing to take money out of my traumatized and motherless children’s hands? Several years ago when my grandparents were terminally ill and their dryer broke, this same aunt bought them a new one, and she made my grandfather sign a paper stating that she got to keep the dryer after he died.

I keep thinking of things like this, and of the way my family works, and it’s making it so hard to pick up that phone. I have struggled so long to rid myself of the pain that comes with being a member of that family. I don’t know how to protect myself, other than by staying away entirely.

Thank you for your time,

G

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Dear G.,

It’s clear that you feel it’s important to pay the money back. But I don’t think that’s the most important thing right now. I think, rather, the most important thing right now is for you to take care of yourself and your kids.

So I suggest you not think about the money right now, but about the emotional content of what happened when you went to your aunt for help. What happened was bizarre and shocking. Of course, it was shocking that you were fleeing for your life as well. But your aunt’s coldhearted requirement was shocking. I mean, in a way, it was rational. But it was inhumane. It must have felt inhumane to you. It must have felt like some way of lowering you, diminishing you, to treat your life so cavalierly, as nothing more than a ledger line in her budget.

Of course there may be more to the story. Your aunt may have previously lent money that was not repaid and decided on this policy to protect herself. You say there is a history of mental illness in your family so perhaps there is a history of money being borrowed and not repaid. Perhaps your aunt has her share of problems as well. But you came to her in a moment of crisis and were presented with this morbid requirement. It must have thrown you.

So I can understand why you have not been able to touch it, and why to this day it lingers in your mind. I can see why you’d want to close the books on it.

Maybe you can close the books on it without reentangling yourself in this painful and destabilizing drama, at least for now. How? Well, one way might be to write your aunt a letter telling her all about why you came to her and what has happened in the interim and why you haven’t paid it and asking for her forgiveness.

Writing it to her might help you focus your feelings and uncover feelings you may not have realized you have. And it could be a way of saying goodbye to that chapter. You could even tell her, in the letter, that the reason you are writing it is that you just can’t deal with the craziness of your family right now and you just need for it to be over. You could declare it over.

Then maybe read the letter aloud. Maybe read it to a picture of your aunt. Light a candle and lean her picture up against the candle and read your letter to her and, I don’t know, burn the letter, or bury the letter. Just don’t send it to your aunt.

Write it but don’t send it.

Do a ritual that brings you some peace. You could use some peace.

And then, if you still want to pay your aunt back, open a savings account and begin putting money in the savings account. Put in whatever amount you can afford to put in regularly. Give this savings account a name. Call it Aunt Payback or something, so that it’s clear it’s an account to pay your aunt back. Just keep putting money in it. It might take years. But when it’s full, you can send the money to your aunt.

And, to return to that utterly morbid requirement in the IOU, I suggest you put instructions in your will such that if you should die before the payback account is filled and your aunt has been repaid, and if your aunt should indeed show up with her IOU demanding repayment from your estate, then whatever is in that should be used to settle her claim. That way, it’s sort of an insurance fund, so neither your kids nor your husband will be fully liable for this debt, should it come due.

You know, there’s a lot of talk about symbols in psychology and literature. And you hear people talk about what something is a symbol of. And maybe some symbols are like letters of the alphabet, in that they always have the same meaning. But it seems to me symbols are more like tools, or weapons, whatever is at hand for the psyche to serve her current purpose. If we are sad, deeply sad, ineluctably sad about how our family turned out, and if we grieve for a life that will never be, and if we grieve for many hurts and slights and insults received over many years, and if we go through a number of shocks and hurts and upsets and dislocations until we are thoroughly rattled, and we are always wishing that there were some solution that would ease the pain and bring back a sense of ease and delight and calm, then we may indeed come to seize on some object or idea and believe that it is the central object or idea, and that if we can just accomplish that, our other problems will evaporate.

It doesn’t matter what that symbol is. We’ll take whatever is available. For me, once I became attached to a truck and it symbolized everything I needed at the time. At other times I will become attached to money, or to a past event that I feel I must rectify, or to … oh, I don’t know, like a child believing if he gets a train set for Christmas he’ll be happy for the rest of his life and if he doesn’t nothing will console him.

So the work we must do as adults, in untangling all the threads of our tangled lives and emotions, the work is to take each piece and deal with it as it is, knowing that no one magical act can transform everything, knowing that there is no magic fix, but that if we patiently perform the painstaking operation of untangling each thread, we will make progress, and we will find increasing calm and order and hope. So we have to do the hard work of deciding which strings we are going to untangle first and which can wait and which ones we are just going to let go of.

Some strands we just leave tangled. It isn’t worth it. It may be appealing to perform one dramatic gesture that sums up the whole of our voluminous complaints and past injuries and imagine that if only we did this one thing, we would be in the clear. But that’s not how it works.

It’s too bad. I generally want to fix everything right away. That’s my nature. Believe me, it has not been easy to learn new ways of thinking. But I have, to some extent, and I think you can, too.

So there’s two parts to my suggestion. One, I’m serious about doing the ritual, to get to an emotional peace with this event. And then the other part involves practical action, because crazy as it is you apparently did incur this debt and it’s good to do what you can to repay such things and to prevent their becoming a burden on your children or husband, in the case of your death.

And then, do me a favor? Just try to enjoy your life? You’ve been through enough. Find some time to relax and enjoy your life. Don’t let this thing hang over you. Say goodbye to it. Bury it. Burn it. Let it go.

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What happened to all my dad’s money?

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Cary’s classic column from MONDAY, MAY 19, 2008

He remarried, he moved, and now all his savings are gone!


Dear Cary,

I recently returned from a trip to Las Vegas where my father gave me news that made me furious. I’m not really prone to anger, which makes this even more surprising.

My mother died in 1999, and my father soon moved to California and remarried a short time after. I had reservations about his wife, but I kept my mouth shut out of diplomacy. I was just glad to see him happy.

He told me this past year his marriage had been difficult, and he had moved out of their house. During my trip to see him last week, he explained that their house was now up for sale. With some prodding, I also found out his life savings is now gone, and that his wife and her family took advantage of my father’s kindness over the course of seven years. Some of this financial help was in money lent to his wife’s son (which was paid back to his wife, not my father), down payments on their house, and the purchase of a car (which has been given to his wife outright). On top of this, when my father needed other forms of support from her family, they didn’t offer the least bit of help. Now, their house is up for sale, and I doubt his wife will give my father his share without a fight. The trouble is, my father is not a fighter, and though he says he is concerned about all of this, his demeanor says otherwise.

First of all, I feel betrayed by my father. I will admit my own selfish reasons — money he threw freely at his new family could have helped me. I wouldn’t have asked him for money unless it was an absolute emergency, but the fact that he didn’t even think of me in this matter hurts. Second, I am furious at his wife and her family. I can’t understand how so many people could take money from one man and then be so unconcerned when he leaves their life. Thirdly, I am angry at myself for not catching this sooner. Would it have helped had I told my father that I had a bad feeling about his wife? We’d talk on the phone about once a month, but he never brought any of this stuff up. My father is 70, and the fact that his life savings is now gone due to his naiveté and a family of parasites doesn’t really seem to bother him. This makes the situation even more difficult for me.

I’m not sure what my question is — I found out about all of this a few days ago and maybe just needed to vent. I mean, I can call a lawyer on my father’s behalf, but the money he gave his wife and her family is gone. I think the best he could hope for is to get half of the money from the sale of the house. Also, I want to call his wife and tell her off and let her know I’ll be fighting to get what’s owed to him, but I realize this may complicate things legally. I want nothing to do with her or her family aside from this financial issue.

If you’ve read this far, thanks. Maybe my question is the universal one: What do I do and how do I go on?

Where’s the Money?

LastChanceTuscany

Dear Where’s the Money?

Remember this: Your father used his money to get his needs met.

Remember this also: He will never tell you that.

In the swirl of emotion and drama, when it appears that your father has been robbed, that he is a helpless and passive victim of his second wife and her children, when you are tearing your hair out because he will not lift a finger in his own defense, remember this: Your father used his money to get his needs met.

His needs were expensive, as it turns out. But he got them met. And now he is broke. It’s unfortunate but there it is.

Some needs we do not like to admit we have. After a long marriage, a man may not know how to fix himself a sandwich or wash a shirt. He may not know how to sit with himself alone in a room crowded with thoughts and feelings. He may not know how to make new friends, or cry, or walk through crushing grief with a high head. He may not know how to tell anybody how frightened and alone he feels without his wife. He may not know how to ask for help.

But he knows how to give away his money.

Your dad used his money to meet his needs. And now it is gone. It was a real need he had, and he met it the only way he knew how.

We do not always spell out our needs, especially the ones that are deep. Our needs may be perverse or trivial yet they are real. We may have a need, for instance, to appear powerful and nonchalant, untroubled and above it all. We may have a need to feel the indebtedness of others. We may need to be secretive and not tell anyone what we are feeling. That is a need, but it is a need that is a surface need, covering a deeper need. There are other surface needs masking deeper needs. If the gas gauge on your truck is on E, maybe you don’t like the feeling that gives you. Your surface need is to deal with that needle. Maybe you break the glass and push the needle up until it says F. That might make you feel better. But it won’t solve the problem. You need gas. We often get our needs met without solving the problem. Rather than meeting some needs, we need to interpret those needs, or transform them, by digging to the roots — fear of abandonment, fear of being ridiculed, fear of feeling weak and out of control. And then we deal with those deeper needs by building better foundations — a stable financial situation and stable relationships.

One tragic way we deal with fear of losing our money is, paradoxically, to keep spending. Rather than admit we are afraid of running out of money, we keep spending. Rather than admit we are afraid of being taken advantage of, we keep giving our money away. In this way, fear of the money running out makes the money run out.

We are accustomed to thinking of money as something we use to meet our needs. One way to deal with that is to turn that around and place ourselves at the service of our money. We can say, OK, as of today, now I meet the needs of my money. What does my money need? It needs to be taken care of! It needs to multiply. It wants to multiply! It wants to earn interest! It wants to be put to productive use!

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That’s a good thing to do with things that need nourishing and care. We place ourselves at the service of those things. Creativity, for instance. When we place ourselves at the service of our creativity, it blooms. When we keep asking it to provide for us, it dries up.

There is another angle. Yes, we use our money to get our needs met. And our needs often mask other needs. But the other angle is: People come into our lives and use our money to get their needs met. They have needs and we have needs and there is an exchange of money and need, emotion and need.

It is a common tale: The wife dies, the husband remarries, the new wife takes his money. This happens over and over and over.

And then, when all the money is gone and the second wife is gone, you begin to meet some of your dad’s needs. Your dad is lonely, weak, confused, sad, in need of a sandwich and a fresh shirt perhaps. You begin to meet his needs. The relationship changes. It is painful.

So now we come to the concrete section where you take action. I suggest that you do indeed contact a lawyer and take whatever other concrete steps you can take to get the facts and ensure that your father gets any and all money that is due him. Do not delay. What you need, first and foremost, is a complete accounting of your father’s financial condition and legal status. As to his legal status: Is he married but living apart? Is he planning to get a divorce? What is his status? As to his financial condition: What are his sources of income? What are his assets? Go through all his papers and figure out what his situation is.

This will not be easy.

If it were as simple as saying to your father, “Dad, I want to go through all your financial activities over the past few years so I can understand where your money went, and help you control your money in the future,” and if he would say, “Ah, that sounds like a splendid idea, here are the keys to my file cabinets, and here are all my tax returns, and here are my letters, and the deeds, and mortgage statements, and here is a record of the private arrangements I have made with various of my wife’s family members, and here is my checking account, and, by the way, why don’t you become a signatory to my checking account so you can monitor all the checks I write?” well, that would be nice, no?

But how likely is that? More likely, I would think, your efforts to become involved in your father’s financial dealings will be met with obstacles that range from suspicion, covert resistance and apparent lack of interest to outright hostility and stonewalling. It is a tremendous emotional change for a father to admit that he has maybe made some mistakes or been taken advantage of. It is a tremendous change for him to admit that he now has to let his children look into his affairs, and possibly criticize or question his judgment.

You have to look in private places. You have to get permission. You have to ask for things you have never asked for. Or you have to snoop. You have to ask other relatives for information. You have to ask people your father has dealt with for information about those dealings. You have to talk about and understand financial arrangements and real estate transactions that you have no expertise in. It is hard.

And this is all stuff that some families never, ever talk about, or talk about guardedly, or in code, or in such a way as they don’t ever really say anything. In order to do all this, you, too, are going to have to change. And you are going to have to face that you, too, have some needs that have been perhaps unacknowledged.

But now it’s time for a change. For you to change means you may have to face your own needs — your need for your father to place you first, for instance. He didn’t do that. He met his own needs. He forgot about your needs. And he met the needs of this other woman, not your mother, not your mother who is dead. Not the mother you grieved. He let this other woman come in and replace her. Another need you may have right now is the need to not be so angry at your father that you could strangle him with your bare hands. That need is not being met right now. So you have to face what is behind that anger. What is behind that anger is sadness and fear. Your father has shown his weakness. He has shown his needs. The man you depended on for so long is now the weak one who needs your help. You are seeing the beginning of his decline. A new era is begun. You must be strong and responsible as he slips into being dependent and needy.

You have reached one of life’s turning points, and you are not alone. My advice to you is to begin now, because you could be at this for the next 20 years.

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Homeless, with diamonds

 

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Cary’s classic column from Friday, Feb 6, 2004

I’m married to a wonderful man, but he doesn’t seem to share my fear of financial humiliation.


Dear Cary,

I have been spoiled with a very happy life. I am 26, married to a wonderful 34-year-old man whom I love more than anyone in the world. He is strong, supportive, smart, funny and affectionate. We are happy together. We are healthy. We live in a nice apartment in a beautiful neighborhood of an exciting city. We are overeducated. We are both from well-off families who funded our very expensive educations so we didn’t have to go into debt. We want to have lots of babies and live happily ever after.

That hasn’t been easy for us, so we are seeing lots of doctors who hopefully will be able to help us make that dream come true. Even our brush with infertility, while upsetting, has been something we are working through together.

I am writing because I am afraid, terrified, petrified really, that we are falling, diving, into a cycle of failure and debt. I am unemployed. Two years ago, we moved back to my husband’s hometown. I still don’t speak the language here very well, although I am taking classes and improving rapidly. While I am generally happy here — I’ve managed to make friends, find activities to keep busy — I have not found a job. I am a clinical social worker, so language is obviously important and jobs are very scarce here. My husband started his own business when we moved. I feel guilty even writing this, but it is a total failure. His income doesn’t come close to covering our rent, and forget our lifestyle. Our savings are gone. The project my husband spent the last six months working day and night on just went to another firm. For the last year, my husband has been looking for a job at the same time as running his ailing business but nothing has come through.

The worst thing is that my husband doesn’t seem to recognize the reality of any of this. Although he is very discouraged by his business venture, he is in total denial about the fact that we won’t be able to pay our rent next month. He just bought me a diamond anniversary band. He wants to keep trying to make the business work. Maybe he isn’t worried because in his heart, he believes his family will give us money. Maybe they will. In fact, they probably will, and so my fears of being thrown on the street are probably unfounded. I see being bailed out by his family as totally humiliating. I don’t know if he would mind.

I’m not sure what to do, or what I really expect my husband to do. Part of me blames him for his failing business, even though I know how hard he is working. Part of me is asking what is wrong with him, that he just can’t make it happen. The other part of me hates myself because I know that he wants his business to work even more than I do and, in reality, I am just as much of a failure in my work life as he is.

Should I encourage him to keep working at his business, to make his dream come true, and just suck it up and consider myself lucky if the in-laws are willing to pay the bills? Should I tell him to find a job, any job, and by the same standard, forget my own failed career goals and take whatever job is out there (McDonald’s if need be)?

Should I just be happy with what we have and not worry if we drift through our lives never reaching some mythical point of career fulfillment?

Spoiled Girl Looking for Direction

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Dear Spoiled,

I suggest that you turn to your family for help. Don’t ask for money. Ask for expertise. You need an outside opinion. If your family is successful and well-off, there must be people in it who are knowledgeable about business, no? Or are you royalty? Don’t tell me your family is the kind that just spends money and doesn’t earn it.

You need a sober assessment of your husband’s business plan, so you can form a clear picture of his chances for success. Only then can you decide if the struggle makes sense. Even if your family is royalty, they must have somebody on retainer to balance the books. You need a person like that.

If you went directly to your husband and said you wanted to have an expert look over his business plan, he might feel that you don’t have much faith in his business ability and that you are trying to meddle. Which would be true. So you can try to arrange an assessment on the up-and-up. But you might have to arrange for someone to approach your husband as a potential investor. He could assess the cash flow potential, the competition (who was it who ate his lunch on that last big deal?), and so forth. If he becomes satisfied that your husband has a good business model, he might go ahead and invest. If not, you might want to start looking for a job.

Look, I too have been on the brink of financial disaster, and I know how humiliating it is, and how fear of the future can weigh on you, how you just want to lash out at anyone, find a victim, find a cause, find something you can pinpoint as the source of your anxiety. So I know what that’s like. I also know it doesn’t last. Usually — especially if, as you say, you have resources and an education — you find a way out of it. It might mean taking a stupid job for a while. There’s nothing wrong with that. In fact, the humble regularity of a stupid job can be strangely liberating.

The subterfuge of having your husband’s business analyzed by an outsider may bother you. For all I know, it may be ethically wrong. But I don’t think so. I think you are at a disadvantage because you have no facts; you are vulnerable; there is a lot at stake here, and you need to take steps to protect yourself. If you’re able to figure out what the problem is with the business, you will be protecting your husband as well. He truly may not know what he’s doing. If he’s not a good businessman, the sooner he learns that, the sooner he can get out of business.

The truth is, you’ll probably be fine. One way or another, you’ll get through this. You’ll find a job in your field, your families may help you over the hump, things will work out. But business is not about dreams. It’s about columns of numbers. The sooner your husband realizes that, the better.

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My father’s widow is stingy

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Cary’s classic column from THURSDAY, JUN 9, 2005

I know he would have wanted to give me more money, but his will left everything to her.


Dear Cary,

I’m 34. My father passed away a year and half ago. He remarried when I was 15 but started dating my stepmom (SM) when I was 9.

Dad and SM kept their finances separate. My father was known to help his kids out when she wasn’t looking. For all I know, she was doing the same with her kids. My sister, the black sheep, was barely welcome in their house, but my dad still helped her out. Which is why his will surprised me. My dad left all the money in a trust that SM administers. She gets his pension too, which leaves her taken care of for life.

I hate that this bothers me, but she’s been reluctantly generous since my dad died. She spent the first year crying poor. She grudgingly sent me my father’s desk, making it clear to me how much the shipping cost. She won’t ship any other furniture of his to me unless I pay. Meanwhile, she gave her oldest son her Volvo, the second one she’s given him. She’s now moving her youngest son and his girlfriend into her condo at an extremely subsidized rate. Everything I’ve gotten from her since my father died, I’ve had to ask for.

I’m now pregnant with my first child. I spoke to her before I was pregnant about possibly helping us out financially the first year we have a child. I explained that it would make a big difference because I wouldn’t feel pressure to rush back to work. Since I announced the pregnancy, she has offered to buy me a car seat and some maternity clothes but made no mention of our previous discussion. My in-laws, who are very generous, immediately told us how they could help us financially. They constantly surprise us with their gifts. The abundance has been especially comforting since my dad’s death.

I think I feel abandoned by my dad. I think every day that she is not generous with me I feel extra slighted. I honestly think his will was the will of a man who thought he was going to die at 90. He always assumed he would, even after his cancer diagnosis. How do I move on? Do I bring up the finances with her again? It’s making it hard for me to talk to her and then of course I feel money-grubbing.

Just writing this letter is making me sad.

Wanting More

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Dear Wanting More,

You say you feel abandoned by your father. Your father may have abandoned you many times in the past, physically, financially and emotionally. But this time he did not abandon you. He died. That is different. That is not abandonment. It is an excused absence.

Perhaps he led you to believe that he would never die and he would always take care of you, so his death does seem like a betrayal or abandonment. But who had the largest loss of all? He is the one who lost his life. His loss was the greatest of all.

It is our job, as the living, to make peace with the dead.

What do we owe the dead? We owe the dead the opportunity to truly be gone. That is one great consolation of death — that, as television ads for the advance purchase of burial plots put it, in death we do indeed settle our “final expenses.” Isn’t that a lovely thought, that there finally is, indeed, a permanent caesura to our endless invoices? Perhaps in this painful weighing of gifts is a refusal to let go of your father completely.

It is hard to make peace with the dead when we are still entangled in their affairs. So I think you need to change the way you think about the money and property your father left. To do that, you may need to face with renewed clarity the fact of his death, its utter finality. He is completely gone. Everything that was once his is no longer his. It is no longer your father’s money. It is his widow’s money. The decisions she makes about how to use her money will be based on her values and the relationship that you and she have, not on your idea of what your father would have wanted.

A person’s will leaves certain instructions about the disposition of his estate, and through that legal instrument the dead may continue to exert an influence over the living. But it is a mistake, I think, to reach beyond his legal instructions and presume “he would have wanted this” or “he would have wanted that.” Indeed, he may have told you many things about what he wanted. But unless they are written down, those utterances lose all force as the last breath leaves his body. The living are left to sort it out with the only tools they have.

Those tools are, it seems to me, our values, our human decency, our feelings for each other and our regard for our own security. Among your father’s strongly held values, I take it, was the belief that parents ought to help their children financially when they can, well into adulthood. Now, the values a person lives by are admirable in two ways. One, they have an inherent validity — it’s clear that society benefits from honest dealings, concern for children, etc. Two, they are seen as admirable because of the esteem in which we hold the person. We look up to our parents and emulate their values. That admiration based on our esteem for the person is, I think, the basis on which we say, My father would have wanted this. In saying so, we are honoring not only his values but our memory of him as a person. We are carrying on a relationship with him even though he is no longer here. We do this out of love for him. That relationship, that continuing love for his memory, is vital and should not be denigrated.

But unfortunately it is not a basis for settling property disputes. Many people loved your father and had an idea about what he would have wanted. Many people held him in esteem and shared his values. But the money now belongs to his widow. It is she who must make the decisions about how to use it. If you can persuade her that the values your father lived by are good in and of themselves, and that she ought therefore to give you more money, more power to you. Perhaps you can construct an argument in which you distill and renew the values he lived by and present that to her. But the argument must, I think, be based in present reality.

As a way of working through this you might ask yourself: What is the importance of those values he held and bequeathed to you? Why is it still vital that parents help their children well into adulthood? How did he balance the needs of children and widow, and how ought that be managed now? What concerns for her own well-being might she have that she has not spelled out? Why, on their merits, are her actions miserly or unfair? In short, what is the right thing to do?

As you think it through, you may find it difficult to pinpoint exactly what is wrong with her actions themselves. Indeed, you may find that there isn’t anything wrong with what she is doing, judging by contemporary standards. If so, you may then be left with only your sadness over your father’s passing. That is a great sadness indeed. In fact, once you think it through, the money may seem the least of your loss, compared to who this man was and what he meant to you.

It is best in life to turn from matters over which we have little control and little responsibility to those matters over which we have great control and great responsibility. Those matters are chiefly the conduct of our own lives and how we care for our own loved ones, whose hopes, like ours, are that we be generous and prosper as long as we can.

Walking on a hillside meadow perhaps one day soon you will feel the wind and it won’t have his breath in it; sitting at his desk one day it won’t be his desk anymore, but your desk. I’m not saying it will happen today or tomorrow, but it is something to look forward to, a state of understanding and acceptance that will make your present anguish over Volvos and car seats seem strangely disconnected from life’s grave and joyous milestones.

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Inherited money turned my friends into idiots

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Cary’s classic column from

Since they got suddenly rich, all they talk about is how hard it is to get good help


Hi, Cary –

In a nutshell, the problem is that my three best friends have all inherited substantial money in the past two years. My husband and I have no hope of ever again being their financial equals.

And I’m jealous as hell. So jealous, I don’t really want to talk to them. Their conversations seem to be all about their new houses, their trips, their toys, and things I can never hope to have.

These three are all my best friends — friends of over 30 years whom I went to school with. We danced at each other’s weddings and laughed through college and adulthood together. They have been dear friends and a source of comfort and joy. But I just can’t relate to their new problems (how hard it is to find a good cleaning lady, the price of a designer handbag, yada yada).

We’re not “working poor” — we’re probably in the middle of the middle class — but suddenly they’ve leapt up several notches in net worth, and it depresses me to know I’ll never be there.

I can’t really afford to lose three good friends, but I hate the jealousy I feel every time we visit any of them or they visit us. What’s my solution? Is there one? They are not rubbing my nose in it — I am.

Jealous of the Newly Rich

Cary Tennis' Finishing School

Dear Jealous,

If we’re just fine, if we’re just as good as the next person, then why should we care if someone has something we don’t have?

And if we’re not fine, what’s wrong? What do we need to be content in our own lives?

You probably can’t force the heavens to rain money on you. But you can use this opportunity to look at your own life and ask what you can do to make your own life so satisfying that you don’t care about other people and their inherited wealth.

So what do you need? What is missing in your own life? Really. I mean, sure, maybe it’s the Audi sports car that you think is missing. But what is that about? Is it about excitement and fun? Is it about the feeling of being admired? Do you crave the sensual feel of luxury upholstery?

Once you can identify the actual cravings, you can find those things in experience. You don’t need to own an expensive luxury sports car to enjoy some of its qualities. If your friends have acquired expensive luxury sports cars, you can ask them to drive you around. They probably would be happy to do that. Then you can feel the expensively sure and quiet click of the glove compartment and know that you are in the presence of the world’s finest engineering — unless the glove compartment is locked, perhaps because it contains diamonds, or a gun, or both. Then you can enjoy the thought of what is hidden in the glove compartment of the expensive luxury sports car belonging to your old friend who has just inherited quite a bit of money.

Or maybe what is missing is a sense of security. Maybe it grinds you down to have to work so hard, not knowing where the next rent check will come from, wondering how you will maintain your own comfortable existence into old age.

These are real concerns. They are what our lives are made of. They are worth thinking about.

In this way you can allow your friends’ good fortune to enrich your own life, without having to pay the insurance premiums or the inheritance taxes.

Your desires are real and legitimate. You would be wise to pursue their satisfaction. But your jealousy is a perversion of those desires, based in a belief that you can’t have what you want, and that the world is unfair, and you are unloved.

Jealousy is different from desire. Desires can be satisfied. Jealousy involves a painful, grinding feeling of unworthiness. When I’m jealous and it leads to depression, that’s because I feel things are hopeless: I’ll never have what they have, hence I’ll never be happy or loved.

In jealousy we sense injustice: Why should that jerk have a boat? He doesn’t deserve it! If a person worked hard all his life and finally bought a boat, would we be jealous? Probably not. But if his rich mother bought him a boat and he appeared on deck in his captain’s hat and blazer, knowing nothing about maintenance or navigation, we might feel a murderous twinge.

We have no control over who inherits what. But we do have some control over our own lives, and how we treat our own psyches.

The cure is to know that we are loved, and to forgive ourselves for our shortcomings. Not having wealth is not a shortcoming. But obsessing over it is. So we forgive ourselves, and we remind ourselves of our own worth.

If I told you to write, “I’m Good Enough, I’m Smart Enough, and Doggone It, People Like Me!” on your bathroom mirror like that “Saturday Night Live” character Stuart Smalley, it might send you into a real suicidal depression. We have to maintain some dignity! But if you are honest about the things you enjoy, and if you pursue them, and if you give yourself the pleasures you deserve, and if you allow yourself to plot secretly to acquire the pleasures that only you know you want, then you can live a fairly happy life without inheriting millions of dollars.

Self-esteem does not mean self-satisfaction. It isn’t egotism. It is love. And it must come with humility. That means loving ourselves as we are, with our shortcomings.

So my wish for you would be that you change your attitude to one of grateful amazement that your friends could have such good fortune.

Well, maybe that’s a tall order.

OK, how about this:

My wish for you would be that you can continue to love your friends and forgive them for their newfound and boring interest in the challenges of maintaining mundane comforts, and that you would get to the point where can say to them, “Enough talk about the perils and misfortunes of inherited wealth; now let’s grill some ribs.”

Preserve the friendship by being open but lighthearted about this. It’s a touchy subject, and it may happen that at times your true feelings show a little. But that’s OK. As long as you don’t belabor it. Like, don’t get into a long self-justifying drunken spiel about how your friends have become insufferable since they got a little dough. Just rib them about it and maintain your own dignity.

In other words, stop rubbing your own nose in it.

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WhatHappenedNextCall

I grew up poor but my boyfriend has money

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Cary’s classic column from

If we were to marry, could we make it work?


Dear Cary,

I’ve been dating a good man for the last seven months. We have loads of fun together; we’re both creative types who pursue our passions in our own time while working at jobs related to our respective creative fields. It’s a good match. People kind of hate us because we’re such a good couple. I love this man and appreciate how well he treats me. He’s patient, kind, mature, respectful, supportive — all of the things that most of the lads I’ve dated in the past have not been. It’s a pretty healthy relationship, I think.

And yet.

I worry that we will be incompatible in the long run. His family has money — not millions, but enough to afford monthly mini-vacations and second homes and German cars. My boyfriend has traveled all across the world, touring four continents. He owns a lovely house in a pretty swanky neighborhood. His family paid for his private-school education and college. His friends and contemporaries are the types to buy $10 cocktails and $400 shoes (he thinks $200 jeans are “reasonable”). In short, money is not a large worry for my boyfriend, and if bills pop up, he always has a family that can help out.

My family, on the other hand, lives off my father’s Social Security checks and my mother’s $7/hour part-time job. I think they made $18,000 last year. We were never destitute, but we were poor — the kind of poor that doesn’t really register until you’re an adult and you can look back to figure out that the reason Mom gave most of the food to me wasn’t that she “wasn’t hungry” but that we couldn’t afford enough for her, too. These days I’m making an OK salary, I’m paying off student loans and I stick to a budget, I rent in a kind of sketchy neighborhood, I have traveled but not extensively so, and a surprise $1,000 expense can really throw my finances for a loop.

The problem is that Boyfriend wants to do things that I simply cannot afford to do. “Let’s go to Japan!” he’ll suggest. Well, I’d love to go to Japan, but I don’t have the means. I politely tell him that I can’t afford to go to Japan (or, hell, Seattle) right now, and he comes back with a cheery, “Oh, there’s always a way!”

His unwavering optimism drives me nuts, because he seems to think that everybody has had the same opportunities that he has. He’s not a snobby rich kid by any means, but for him, my scrimping and fretting over money (“I should put money aside for a just-in-case fund,” “Let’s make dinner instead of going out,” etc.) is unnecessary. But to me, it’s not. Being poor isn’t just an abstract thought for me; it’s an unpleasant memory, and I don’t want to go back to those days.

I worry that my inner class warrior (and yeah, it’s there) may not be able to handle dating someone who can’t empathize with my situation. It frustrates me that he keeps suggesting expensive trips and overpriced adventures that I can’t afford — when he should know that I can’t afford them. In all fairness, he does sometimes foot the bill for birthday/anniversary trips and whatnot, but I don’t expect him to do that all of the time. Over time, I am beginning to feel poor again, embarrassed that I can’t keep up — in short, I am beginning to feel as excluded as I did when I was growing up.

That’s not what I want to feel around someone whom I care for and who cares for me. To him, it’s not a big deal — he thinks that if we get married, the issue will dissolve, because then it’ll be “my house” too, etc. But to me, it is a big deal, because class is a personal/political issue for me. He has the luxury of not having to think about it while it’s something that really affects me. So my questions are, How do we cross this class divide? How can I help him understand my situation without making him feel like I resent his privileges? How do I explain to him that I don’t really want to live a money-bleeding lifestyle of $25 entrees? Am I nuts to think that $200 is a lot to spend on jeans, or am I just a recovering poor girl who doesn’t know what’s “normal”?

Feeling Like Lula Mae Barnes,

Cary Tennis Connecticut Writing Retreat

Dear Lula,

You sound like you are compatible as people. It’s the money that stands between you.

It’s not a personality conflict but a material conflict. Ideally, your personal compatibility would serve as a foundation for resolving the material conflict. That is, you would like each other enough, and know each other’s weaknesses well enough, and have enough respect, and want to stay together badly enough, that you could work through this to the satisfaction of each party.

But it won’t be easy and it won’t be quick. There may be surprises afoot. You may find that his easy affability crumbles when he confronts the notion of actually giving up some control over his money. He is going to have to cede some control of his money to you if you marry. You will have to be an equal partner financially or you won’t feel secure.

He won’t be the only one to be hit hard emotionally by the issue. You yourself may find yourself conflicted and confused in ways that you cannot yet envision. This is an issue that touches us at the core of our existence — not only as individuals, but as political actors as well.

There is of course a class division in America. It is a fact of searing emotional significance to those who can’t afford to ignore it. And it is a trifling matter to those who can — which of course infuriates the rest of us all the more.

Right now, if things get too rough, he can always go to Japan. Money is nice that way.

How would he deal with losing that cushion, that safety valve? Would it tarnish his air of blithe disregard, that low-key air of well-being grounded in the accustomed knowledge that there is always a way out? Relax, he says, things will work out. Well, yes, things will always work out — for him. And presumably things will work out for you if you hitch your wagon to his. But unless you reach a binding agreement about control of the money, he will always be able to unhitch his wagon and gallop off without you when things get uncomfortable. I think that is the issue that you need to resolve.

He may want you to just trust him. I think you will need more than that.

The upside of this is that I’ll bet you would be a very good manager of money. He sounds like he throws it around. I take it there’s not an inexhaustible supply, just a good-size pile. You would do well to safeguard it.

I suggest, in short, though I don’t know exactly how to do this, that you do two things: 1) Tell him that if you got married you would want significant control over the finances — that as a matter of principle you would want to be thrifty rather than spendthrift, and that you would invest the money wisely. Tell him that you want to be in it together equally, sink or swim. 2) Engage your boyfriend politically. Tell him that if you were to marry, you would want to use at least some of his money to contribute to helping the poor.

See a lawyer who specializes in family estate planning, or an accountant. Get as much information as you can about what the issues actually would be if you were to marry. Get things in writing.

And then relax and see if you can’t make a go of it!

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