A 30-year-old man who came from a very poor family had married a woman from a wealthy background. Despite this wealth difference, the man believed he was smart with his money, and after an attempt to give his wife financial advice, things went sour.
Huge Financial Differences
At the beginning of their marriage, the woman had a net worth of $31 million, whilst her husband carried $300,000 in student debt. They initiated their union with a prenuptial agreement that not only separated their finances but also relinquished his right to an “elective share” of her separate property in case of her demise.
Acceptance of Financial Independence
Despite his wife’s wealth, he was determined not to rely on his wife’s finances. In fact, he viewed their financial separation as an opportunity to build his own financial independence.
To further compensate for the wealth gap, the man had a significantly higher income than his wife. Meanwhile, she chose to invest her money into digital assets, specifically cryptocurrencies which mostly consisted of Monero.
Differing Investment Strategies
Instead, the man chose to invest his savings into index funds. He explained: “They’ve taken a hit this year, but based on historical performance, they should go back up eventually. No such guarantee for cryptocurrencies, and certainly not for Monero.”
Five years into their marriage, the woman’s Monero investment had faced a significant decline, with a 47 percent loss over the year. Furthermore, she lost 5 percent of her assets when the FTX exchange went bankrupt. As a result, her net worth had fallen to around $18 million.
Lack of Empathy
When the man came home to find his wife upset about her financial losses, he responded with a nonchalant “That’s rough.” However, his wife perceived this as a lack of empathy and complained that he seemed indifferent to her monumental loss.
A Clash of Perspectives
The man attempted to console her: “I pointed out that she’s still extraordinarily rich in spite of her poor choices and that she could stop investing in crypto at any time if she wanted to.”
Adding Fuel to the Fire
Ultimately, the man’s wife felt like he was being incredibly nonchalant about the devastating financial loss that she was going through. In response, the man wrote, “She was the one that wanted to separate everything, so why does she want to make it my problem all of a sudden?”
Evaluating the Situation
After having time to think, the man questioned whether his response was justified or inconsiderate. He wondered whether he should become more involved in his wife’s financial struggles despite their prenuptial agreement and her previous insistence on financial separation.
The Opinion of the Internet
The man headed online to seek validation for his response, and this is initially what he received. “She wanted to ensure in every possible way you couldn’t touch her precious money”, one person pointed out. “Crypto is the wild west of investment, and if you go there, expect to be the victim of a train robbery.”
An Overall Negative Response
However, this was one of very few commenters that was on the man’s side. Other readers focussed heavily on his lack of empathy: “Dude, I was expecting to be on your side…”, started one commenter. “It turns out all she wanted was an ear to vent to and a shoulder to cry on. She didn’t ask you for a dime.”
Have Some Sympathy
The man’s absence of sympathy was clear, and readers were furiously pointing it out: “I don’t understand why having separate finances would stop you from being able to comfort her”, one person wrote. “If my partner said they dropped $20 down a drainpipe I’d have more sympathy for him than you showed your wife who lost a considerable amount of money.”
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