I did taxes last night for PunkRock, actually. His W2 was surprisingly already available online, so he printed it out and brought it home. I'm not sure if I've talked about it much, but for me, I am always really sort of hesitant to talk about finances. Money, for me, is somewhat of a stressful topic. Let me back up.
My ex was always so unsupportive when it came to discussing our budget, and he hated long term planning. For a good part of our marriage (we were together for 12 years), I was the primary breadwinner. I actually brought home less in my paycheck than him, but that's because I socked SO much away into the retirement and savings plan options that my company had on offer. I also paid for our health care, and had some other direct withdrawals going on that were to the benefit of us both. Honestly, I was making almost double the hourly rate that he was.
That said, when we adopted our two older children, it became very apparent that a stay at home parent was going to be needed, and almost a year after we met our kids, it was decided that I would be that person. He had zero interest in staying home and I was all in. So, I made that change with his full backing and support. As a trial run, I was able to actually take the maternity leave I could have had when my kids were placed - I stayed home for a full three months. My company paid me my full paychecks during this time, and I used it to take care of my car note and then banked the rest, to be sure we could survive on my ex's sole income.
We could. It was pretty great at first, but over time, he became more and more upset that he couldn't use his paycheck to buy car stereo equipment, and resented that I needed it to pay the mortgage or the electric bill. He was very immature and would give me the money, but begrudgingly. At no time was I being frivolous though, and we were able to buy a house together during this time.
In the year pre-dating our divorce, however, he actually decided to withhold several hundred dollars each week from his paycheck, because it was HIS and he had earned it, and wanted to spend it the way he wanted. This had a huge impact on our finances, because as a one-income family, every dollar counted. Some weeks I couldn't pay for the heating bill, but he'd be out buying himself a new speaker or amp for his car. Our son wouldn't have shoes, but my ex would try to justify a complete rebuild of his sound system. It was stressful, exasperating, and quite frankly, I saw it as irresponsible and childish.
I wanted to mention all that, so what I am saying here has some context.
Anyway, PunkRock is one of the hardest, most dependable workers I've seen. I am proud to be building a life with him by my side. Unfortunately, the job he has now just isn't paying him the wage he deserves for such dedication. So, there is a big inequity between his salary, and DarkKnight's. DarkKnight, however, isn't bothered much about this so far, and says that he has always been somewhat of a socialist, and he doesn't mind sharing. So that's where we are at now.
I have mentioned before that both guys maintain separate checking and savings accounts, where their paychecks are direct deposited, and then they share a checking account with me. Each paycheck, they do an online transfer of a set amount into the joint account, and then I pay the bills.
When I break that down, that makes me feel embarrassed and ashamed. PunkRock has been 100% forthcoming about his financial situation, and every single time - without fail - that I have asked him to transfer me extra cash, or pay more on a particular date to cover a bill, he has done it cheerfully and without hesitation. He participates fully in our long term plans and annual budgeting discussions, and has never made any crazy purchases that have caused our household to have any issues. In all honesty, he's a terrific team partner in all respects.
Yet, I have this hesitancy when I need to discuss financial matters with him.
So, anyway, I did his taxes last night. Since he was unemployed for a chunk of 2013, his 2014 annual income was abysmal. This year, he made like 4 times as much, at least. So that was awesome. Last year, he had to pay on his taxes, as well as some back taxes he had neglected to pay, since they came due originally when he was unemployed. This year, he is getting back WAY more than I think either of us had anticipated.
Great, right? At our annual meeting earlier this year, DarkKnight, PunkRock and I collectively agreed that after we received taxes, we would use the amounts to pay for our March vacations this year - PunkRock and I are taking my youngest daughter to Great Wolf Lodge in Williamsburg for the third time; and DarkKnight and I want to take a cross country train trip for our 10 year wedding anniversary. All well and good.
When I saw the amount that PunkRock was getting back in taxes, I was surprised and happy. But I also caught my breath a little bit, and was instantly stressed. This made me have to stop and wonder why. I was caught a little bit off guard by my reaction, and it's resulted in this long, rambling journal entry.
Anyway, I let PunkRock know the amount, and he was happy, of course, and I told him when to expect the direct deposit from the IRS, so he could then be ready to transfer it to my account so I can spend it on the vacations. (I've actually already paid a bit on the reservation to Great Wolf.) When he later came up to bed, he was engaged in planning our trip and looking for new activities for us to do together while on vacation. It was a positive thing, and there were zero issues.
So, where am I going with this narrative? Nowhere, I guess. Except it seems to me that I still have some emotional work to do. I had a brief hesitancy that made me ask in my mind if PunkRock would actually be ok with having all of his tax return spent on our vacations - especially if DarkKnight doesn't get much back this year, which it looks like it might not be as much as on previous occasions, as we've had some changes on deductions. There was no direct reason for me to have had this thought pop up, and I felt really awful afterward. Would I have had this same thought, if the situations were reversed - would I have wondered about DarkKnight being upset that his tax return was paying the majority toward the vacations? I don't think I would have.
That's upsetting to me.
I feel like such a shitty person to even post this, but I am going to, because it's a good reminder to me that my past experiences are still there and trying to impact my future. I also want to take some time and think about why my brain only seems to want to make me question PunkRock, and not DarkKnight. I am sure it is unmasking some further insecurity I have. Also, I think finance matters are more in my face lately due to us planning to buy a house together, and with WarMan's impending move in to our space, and discussions we haven't had yet about that.