“Need help. How do you get your SO to save up?

We got married and bought a house. 3 years later he’s still using CPF to pay for mortgage (I pay 70% of mortgage and he pays the rest and utilities)

He has absolutely no investment and does not seem to have savings – his mother hinted that he borrowed money from her by saying “it’s easy to lend money to him. But hard to get it back”

I proposed the idea of creating joint account and save up together. He’d refused. He’s also never given me money since both of us hold full time jobs.

Most of his money are spent on client meals (claimable but troublesome so it’s unlikely he’s claiming them) , grab and grab food. Not that I don’t want to cook but he doesn’t like my cooking since I prefer to cook balanced meals with moderate sodium and oil. He may eat a bowl and leave me to eat the entire pot myself. Then throw the rest and order supper.

Now we are going back to office. He’s grabbing to and from work every day. As well as when he has to travel to meet clients.

Hes also the kind to ignore grab vouchers unless they’re substantial (Eg $10. $2, $5 he may just ignore)

I feel very stressed. How should I influence him to save up for future? Now maybe he has $5k in bank account because he says he wants to go holiday…. (If $5k is all he has I rather he saves it up or pay his mother back)”

Here are what netizens think:

He needs an experienced Certified Financial Planner or CFP® professional to help him.

Use cpf wrong meh? Most ppl doing that leh. But the rest of his pattern is quite horrible unless he’s making like 15 to 20k monthly la.

This guy seem like a total jiak Liao bee, might as well marry to a piece of wood

I came across this quote just now. Sometimes when ppl keep on making bad decisions, however much we try to warn them, they will not listen. Wait till he crash and burn. But be smart about your own money too. Don’t be burdened by his poor spending habits. Sorry to say, I really think he is a loser.