Where Do You Draw The Line When Your Girlfriend Asks For Money?

Hi Evan,

I’ve been reading your blog weekly for almost 6 months, and have been many of your past archives. I’ve not seen this question answered before, so here goes: Where do you draw the line when your girlfriend asks for money? We’ve enjoyed each other immensely for the last 9 months… until she decided to return to school to get an advanced degree. She now can only work part-time, and has trouble paying her bills. On top of that, her car recently died and she had no money to get another one. I gave her some money to help her get a used car, but she still struggles to pay her ($1,000 per month) mortgage and other bills. She says that since she would do anything for me if I had problems, she expects her man to do likewise for her. I have a decent job (making about 100K per year), but I just don’t like the idea of giving anyone money. We appear to be breaking up over this, since she says she really can’t stand the thought of her man not helping her out if he can afford to do so. Am I wrong?

Bob

Dear Bob,

Congratulations. You’re her sugar daddy.

As I see it, the real problem here is that you bailed her out without having a commitment – and now she feels entitled to more bailout money. You’re the U.S. Government, she’s AIG – and your relationship is still ill-defined.

She’s relying on you as a husband even though you’re not a husband. Which makes this a good time to ask yourself: do I want to marry this woman

And, if not, breaking up might not be the worst thing in the world.

As I see it, the real problem here is that you bailed her out without having a commitment – and now she feels entitled to more bailout money. You’re the U.S. Government, she’s AIG – and your relationship is still ill-defined.

That ill-defined relationship – 9 good months together without living together or getting engaged – seems to have created a blurry set of expectations on her part. She genuinely thinks that your money is her money and is depending on you to carry her while she tries to work and go to school simultaneously.

And unless you agreed to that arrangement, you’re allowing yourself to be used by her. It’s really easy for her to say that she’d do anything for you – in theory, I’m sure she would. But what if you decided you were going to quit your six-figure job to be supported by her as you attend art school. And to supplement that, you asked for an allowance, because affording rent, tuition and supplies was suddenly cost-prohibitive? I’ll bet she’d be singing a different tune.

The rules do change when you’re living together, engaged, or married. If I’m paying $3000/month rent and my fiance lives in my room and can’t afford to contribute much to our monthly expenses, that’s fine.

If her car gets dinged and she’s too cash-poor to fix it, I’ll offer a loan, which she may or may not repay.

Hell, this year, my wife underdeclared her taxes and I had to spend a decent chunk of change to make it right with the IRS. Was I thrilled? No. But that’s the sacrifice of marriage. That’s what you do in a partnership.

The bigger issue, Bob, is this: the RIGHT woman doesn’t WANT you to bail her out. The right woman wouldn’t ASK you to subsidize her education and strain your finances.

Think about what would happen if you were to break up with her. Would she be homeless? Would she have to quit school? Would she have to get a different job? Would she have to move to a cheaper place? Whatever it is, she is fully responsible for herself. And by taking responsibility for HER lack of finances, you are the enabler who allows this to continue…and then you resent her for it.

The RIGHT woman doesn’t WANT you to bail her out. The right woman wouldn’t ASK you to subsidize her education and strain your finances.

If you think this woman is your future wife, then perhaps this is a sacrifice that you want to make on her behalf. But if she’s not, I’d put a stop to it right this second.

So, in answer to your question: “Am I wrong?”: if you’re wrong about anything, it’s in being TOO generous with a woman who is perfectly content in exploiting your generosity.