Boyfriend Earns Minimum Wage So Girlfriend Denies His Request To Become Co-Homeowner

Feb 22, 2022 by apost team

Buying a new home can be a stressful time. Not only do you have to worry about your finances, but you also have to consider who you will be living with. Communication is key in this situation, especially if you are living with a significant other. One woman shared her story on Reddit after her boyfriend got mad at her for choosing to put the title of their house in her name since she is the one who paid for it.

In the post, the author shares that she is 22 and her boyfriend is 25. She makes $80,000 a year while her boyfriend lives paycheck to paycheck. She also says that he doesn’t keep a job for too long due to a lousy work ethic. For this reason, the girlfriend was the one to pay for the home. The couple decided to split the mortgage 50/50 since that is what they were doing while paying rent for their apartment.  

After the boyfriend found out that his name would not be included in the title of the house, he was furious. The man did not speak to his girlfriend for days and said that if his name wasn’t included then the house isn’t really his so he shouldn’t have to pay to live there. The author of the post was shocked by this and decided to share her story online to see if other people agreed with her boyfriend.

The majority of commenters agreed that the author of the post should not include the boyfriend’s name, and many suggested that she should break up with him. Keep reading to learn more details about this story and to see what else Reddit users had to say about it.

The author begins her post by sharing: “I recently got a new job and make around $80k a year and have been wanting to get out of our apartment and into a house. My bf on the other hand doesn’t have a very good work ethic and has had about 8 different jobs in the 4 years we have been together, all making minimum wage. I brought up getting a house and he was totally on board with it so we started house hunting.”

The woman has no problem sharing the bills and costs of living with her boyfriend. “I have enough in my savings for a down payment and to cover all the closing costs but my boyfriend doesn’t have any savings and lives paycheck to paycheck. We currently split our rent 50/50 and he pays his bills (car payment, insurance, etc.) on his own and I pick up all the groceries, wifi, dog stuff,” she explained. 

In fact, the author takes on a lot of financial responsibility in the relationship due to her income. She said, “When we were looking for a house we kept the price range small enough to where I could pay for it alone so we could use his earrings as extra cash. But we agreed to split the mortgage 50/50 (which would be cheaper than our current rent) and I would pay the water, electric, home insurance, etc. We finally found our dream house and are going to be signing the papers in a couple of weeks. I mentioned to him that I would like to be the only name on the home since we are buying it with my savings and we aren’t married and don’t plan to be married anytime soon.”

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The woman added, “I’ve told him that it is OUR house but legally it will just be mine bc I don’t want to put $400k on the line. He said that if it’s just going to be my house that he shouldn’t have to pay to live there. I disagree, it would be like paying rent anywhere else, and when/if we get married we will change the agreement. He hasn’t talked to me for 3 days now and I really don’t think I’m in the wrong here.”

Commenters on the post were on the author’s side and said she did nothing wrong. The majority of users agreed that she should not include the boyfriend’s name on the title. One person wrote:

“Any lawyer or fiduciary would say this would be a very dumb move with a huge risk to you. OP, if/when you get married, then you can talk to attorneys and figure out how he can buy into the house in a way that takes his previous rent payments into account. I get that he’s upset he won’t have any equity, but that can come later.”

Another commenter shared, “My daughter is going through the same scenario, she is buying the house and charging him rent that covers about 40% of the mortgage. He was a bit mopey about it but has no savings and makes a third of what she does. She told him he can rent from her or find his own place. So proud of her for putting herself first.”

Meanwhile, a third person pointed out: “Also, a guy with a poor work ethic and can't even keep a job. Not someone you want a house with.” 

Who do you think was right in this situation? What would you have done if this happened to you? Let us know and feel free to send this along to your friends and family.