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A 37-year-old man with $430,000 in savings said his girlfriend, who earns about $100,000 a year and owes a similar amount in debt, told him, “You’ll take care of my debt, the man handles it.”
He shared the story on Reddit’s r/Advice, admitting that after only a few months of dating, he’s already $12,000 in credit card debt from covering her expenses.
According to the post, the 31-year-old woman owes around $40,000 in credit card debt, $60,000 in car loans, and up to $20,000 in student loans — nearly equal to her annual salary. Despite her income, she has no savings, frequently overdrafts her account, and has relied on her family for bailouts.
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When he suggested working together to reduce her balance, she argued that since she plans to have children, he should handle major financial responsibilities. She’s also urging him to buy a house soon, unaware he holds $180,000 in stock investments he doesn’t plan to sell.
The post drew thousands of comments, with many users warning the man about what they saw as glaring financial red flags.
“You’ve only been with her a few months and you’re already in $12,000 of debt. Credit card debt is a financial emergency. She has no intention of changing, and at this rate, you’ll burn through everything in a few years. Leave before you leave with bankruptcy,” one Reddit user wrote.
“She’s not looking for a husband – she is looking for a sugar daddy. She makes reasonable money yet is carrying a ridiculous amount of debt. She won’t stop buying and she wants you to bail her out,” another poster wrote in the thread.
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“OP, you are her retirement plan. This is the ‘best’ it will ever be. Once your money’s gone, she’ll be gone too. Don’t mistake financial dependence for love,” a commenter added.
Financial stress continues to strain modern relationships. According to WalletHub’s “Money & Relationships Survey,” published in August, nearly one in three people said their relationship is limiting their financial growth.