r/relationship_advice • u/ThrowRAlast_resort • 6h ago
How do I (28F) address my boyfriend’s (29M) repeated financial problems before we move in together?
I (28F) met my boyfriend (29M) through seasonal work at a resort in a small mountain town, about an hour away from the nearest larger city. We’ve been together for about eight months, and while I really enjoy our relationship, I’m starting to have some serious concerns about his financial situation and how it’s affecting me.
A few months into our relationship, we planned a three-week road trip that included camping, national parks, and a few major cities. We discussed the cost beforehand, and I estimated we’d each need around $3,000 for the trip. He never expressed any concerns about being able to afford it.
About a week into the trip, he told me he’d run out of money. I ended up covering most of his expenses for the remainder of the trip, and by the time we got home, he owed me around $1,000. He eventually paid me back in installments, but it was frustrating because I felt like this could have been avoided with better planning or communication.
Shortly after we returned, he became fed up with our job and walked out. He found another position that technically pays more per hour, but he no longer has access to the overtime or benefits he had at our previous job.
Not long after that, his car was repossessed.
We live in a very small town where grocery stores, shopping, and most activities require a significant drive. I have a car, so suddenly I felt like his transportation had become my responsibility. He tried to put a positive spin on the situation, saying that without a car payment or insurance, he’d be able to save more money.
About a month ago, I booked a birthday cruise with my parents. He wanted to come along and assured me he could afford it, so I booked his ticket and he reimbursed me.
Unfortunately, the same thing happened again. While we were on the cruise, he ran out of money, and I ended up covering his expenses until he could pay me back afterward.
Now, his current job has started cutting his hours, and I’ve recently learned that he has no savings and no established credit. He also refuses to get a credit card.
What concerns me most is that we’d previously discussed taking a few weeks off between seasonal jobs, moving across the country together, and signing a lease at our next destination. I’m now realizing that none of that is financially realistic for him. Without savings or credit, I would likely be the one responsible for securing the apartment and taking on the financial risk of the lease.
Another thing that’s been bothering me is that earlier in our relationship, he told me he owned a home in California. Naturally, I assumed that meant he had some financial stability or possibly rental income. I later found out that he doesn’t actually own the home. He expects to inherit it when his mother passes away.
I want to be clear that I don’t expect my partner to be wealthy or make a certain amount of money. I understand that seasonal work can be unpredictable, and people go through financial struggles. What bothers me is the repeated lack of planning, the assurances that he can afford things when he clearly can’t, and the fact that I’m increasingly being put in situations where I have to cover for him financially.
We’ve only been together for eight months, and I’m already feeling like I’m taking on responsibilities that shouldn’t be mine. I’m financially independent, and I’ve worked hard to put myself in a position where I can travel, save, and enjoy my life without constantly worrying about money.
I care about him, but I’m starting to wonder whether we’re simply at different stages in life or if these are signs of a much bigger problem.
I am reconsider the relationship over this. Is this something that can realistically improve, or am I setting myself up to become financially responsible for another adult?