A groom-to-be recently posted on Reddit asking for opinions about a disagreement he and his fiancée are having over how to eliminate his debt. This is the full story.
He’s Deep in Debt
OP is a 31-year-old man who has racked up $67,000 in debt over the course of his adult life. That black hole includes college loans, a car loan, and a small amount on his credit card.
It Will Take Decades
Even though he has been making small monthly payments without fail, OP acknowledges it would take decades to get out of debt at his current pace.
They Have 3 Years
Meanwhile, OP recently got engaged to his 29-year-old girlfriend, and they plan to move in together.
They set a wedding date three years in the future to accommodate out-of-country relatives who need to plan and save money for travel.
She Turned It Around
OP’s fiancée struggled with her own financial challenges, but she’s worked hard since college and has erased most of her debt.
She Busted Her Hump
In that time, OP’s fiancée wiped out all her student loan debt, bought and paid for a new car, and managed to save nearly $300,000.
She accomplished all of that through careful money management and busting her hump with several side hustles.
She’s a Homeowner
HIs fiancée’s only debt at this point is her mortgage. So she has a home for them to move into.
She Doesn’t Want His Debt
After putting in all that work, it’s no surprise that OP’s fiancée doesn’t want to take on all of his debt when they get married.
So she put together a plan that would have him free and clear before the wedding.
But She Has a Plan
Basically, OP would be dumping most of his income into paying off his debt, with a small amount allocated to personal spending.
On her side, his fiancée offered to cover all of their living expenses during those three years.
He Thinks He Has a Better Plan
After considering that proposal, OP suggested an alternative plan: his fiancée pays off his debts, and OP repays the amount in a year and a half, eliminating the need to pay interest.
He thinks this approach would allow them to put a bigger dent in the mortgage while sticking to the timeline.
She Needed Some Time
OP’s fiancée wasn’t too happy with his counterproposal, but she didn’t reject it outright. She said she needed some time to think it over.
They Said He’s a Jerk
While she pondered what to do, OP discussed the situation with friends over drinks.
His friends told him he was a complete jerk for not jumping at the fiancée’s offer to become debt-free in two years.
He Would Cost Them Money
OP’s friends also pointed out that even if OP paid back the amount, his plan would still tie up a fifth of his fiancée’s savings for a year and a half.
And that meant she couldn’t make any interest or other earnings on it during that time.
She’s Trying to Control Him
While OP is proud of his fiancé’s financial achievements, he thinks she’s trying to restrict his lifestyle by forcing him to pay off his debt before they get married.
If she just ponies up the $67,000 upfront, then he won’t have to sacrifice as much.
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