BMWK Reader Question On Dating

Dear BMWK,
I have been dating my boyfriend for 21 months. Earlier in the relationship we discussed what we wanted and did not want in a relationship, the conversation wasn’t too deep but since we’re both adults (over 40) there was no need to play games and we were able to have an open discussion. So far all is good. However in a recent discussion about our personal goals, in stating my goals I also included our relationship since at some point I thought he would need to factored in…he then stated his goals but said that as far as “we” are concerned he definitely does see a future with me and would love for us to be under the same roof, married, etc. but he has to work on his debt before hand, since I too have debt I need to work on – I agreed with that and I stated what I needed to do to try to achieve my goals, and then i asked his plan of action for achieving his goals – he replied that he really didn’t have any particular plan of action for his goals, nor did he offer any other explanation – only saying that his debt was his priortiy and he’ll take care of it when he can. At that point I was a little speechless and left the topic alone, because I don’t know what that means — am I suppose to date him for an unlimited amount of time while he works on goals that he has no plan of action of achieving? Or should I accept the fact that he did tell me he wants to be with me, so don’t rush him? I have no problem being flexible with time, but due to his answer or lack there of, I don’t want to be in this boat 4-5yrs into the relationship still floating with no direction. So my question is (before I lose my religion) – is this reasonable or am I being un-realistic?

Her View
I don’t think you should date him for an unlimited amount of time. You are already on the right track because you are setting goals for yourself. Your goals should also include a goal for how long you are willing to stay in this relationship without having definite plans for the future. You don’t have to rush him or pressure him if things are going well. But after 21 months, I think you are reasonable to expect a better plan of action than the one that he has given you.

By the way, I think working on your debt is great. TheDad and I had this same conversation before we got married. We focused on our debt separately and then when we decided to get married, we set a budget for the wedding (we paid for everything without accumulating additional debt…no credit card purchases) and then we put a plan in place for taking care of the remaining debt together. We were actually able to pay down the debt a lot faster together….since we had two incomes and we consolidated our expenses ( i.e – we now shared a mortgage instead of having two separate mortgages..etc…) This approach does not work for everyone because some people are not willing to take on another person’s debts. But we looked beyond that because we knew we wanted to be together.

His View
My humble POV is communication is everything after 21 months in a relationship not only should his debt be a priority but you should be also. I don’t see anything wrong with the two of you working on your debt first if that’s the way you want to go but I don’t think it’s crazy to plan on your relationship in the same fashion. At 40 you both probably have a good grasp of what it is that you want at this point. I’d say don’t jump to conclusions yet, maybe something was going on and he was having a bad day or something but I would revisit the situation to see if you come up with the same results. If he still doesn’t have a plan and wants to float along I think at that point you’d have to decide how long you’re willing to float along with him waiting. Like you said yourself I’d hate for you to open your eyes and you’re five years in still with no answers. To wrap it up let me say this again, “Communication is the key” everyone doesn’t want a relationship, marriage, or something real serious but everyone should be man or woman enough to let that other person know what their intentions are so they can decide for themselves.

BMWK family, what do you think she should do?


About the author

Lamar and Ronnie Tyler are the creators of the award-winning blog BlackandMarriedWithKids.com . They also are behind the Amazon.com bestselling DVDs Happily Ever After: A Positive Image of Black Marriage, You Saved Me and Men Ain’t Boys that explores manhood in the African American community. The Tylers are also the proud parents of four children.



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  • kim h20s

    Please, please, please continue with this topic! I am in a similar situation. I’m 36 (no kids), he’s 45 (adult daughter he raised wonderfully!!). Dating 11 months. Living together 6 months.

    He told me that before we could get married he had some things to take care of. I was relieved when he told me because I was unsure how to bring up my own financial issues.

    Debt is an embarrassing things to talk about. I judge him by his actions. He holds a full time and part time job. He also does some other occasional side consulting. He says his desire to get married has inspired him to face his debt and not just ignore it. Seeing him working so hard, inspired me to face my debt.

    We have both taken belt cutting measures since the New Year. We opened a savings account, trimmed our cable bill, take our lunches to work, and cut back on the amount of driving. We recently trimmed our gym membership because we weren’t using it and our complex offers free tennis, a smallish gym, and a pool.

    I would advise the lady in question to judge the man by his actions. Does he still spend unwisely? It’s all about what she sees her man doing, not what she hears him saying.

  • http://www.blackandmarriedwithkids.com TheDad

    kim h20s – Thanks for the idea, I think we’ll start a new category called Dating & Debt. Since I think it’s something a lot of people deal with and often comes into play in relationships. You’ve been an inspiration :-)

  • doris

    A woman in her 40′s wanting marriage, has no time for casual long term dating. I get the debt issue and sure if he is to be the “one” they both need to have the plate clean before they go any further. I think the man is in his comfort zone and as long as this woman doesn’t push the issue, there isn’t an issue for him. I recommend that the lady get her house in order financially, spirtually and get ready to find the relationship she wants. Right now this man is not her blessing and probably a block to the real relation she is craving. Lady the clock is ticking and you are getting older with each minute, don’t let time pass you by and you end up old and alone.

  • Nicole

    I agree with Doris 100%. Obviously, he’s not in a rush to get married since he’s not addressing the issue
    (his debt) that needs to be resolved to get married. Honestly, I think the debt issues is an excuse. EIther you set a timetable and pay it off before you get married, or you work on it together once you get married like the mom and dad. It shouldn’t be a major issue if you love someone.

    Just make sure that the person doesn’t continue to put themself in debt once they get out.

  • kim h20s

    @ thedad – thanks for the compliment, but please don’t let me front like i’ve been all smiles and giggles with this debt thing! sometimes it’s extremely frustrating, i would like him to be home in the evenings when he’s at his part time job. it frustrates me because when we set our grocery budget, my budget was based on Whole Foods & Balducci’s, while his budget was based on Shoppers Food Warehouse. Since he is the man, he wasn’t willing to let me put in extra. We live to his budget.

    people need to be realistic about paying off debt. you can only go so fast. unless you win the lottery, you have to be prepared for debt payoff to be a long process.

  • lynn

    This man was honest with her; I do not think he should get “Points” for doing the right thing, he could have given her a bunch of Bull, he told her he wanted to got out of debt before he gets married.
    Now the fact that he does not have a plan to fix it could be a problem. She may be dealing with a man who might never grow up. I feel she should make up her mind on how long she stays. If she does not see himself trying to get out of debt, then pack up and go.

  • Anna

    @ Kim, I had a fast relationship also. We were married six months after we met. We have been married for 10 yrs this month. I feel that a debt premarriage is that persons debt not shared(unless you want to). If I waited to pay my debts off before marriage I would not be married today. But what does one consider debt? Child support is not a debt but an obligation. If you are repaying a student loan and still don’t have a degree, that is a debt. Car payments are not debts. As a couple grows together you become more financially stable. Credit scores of married ppl are usually better than a divorced persons or a single parent. (Unless you are Kimora Simmons who just got granted $20,000 a month per child in child support). My children will always be my debt. If my kids(especially my daughters)need something they know I would rather have them come to me than to get it from some dude. Even if it is a no interest loan. LOL

  • Mrs. D

    A man that is not ready to commit to marriage is just that, a man not willing to commit which is his right. This guy is absolutely on point about dealing with his debt but what brings me pause is him saying he will deal with it when he can. There is one thing that I know for sure and that is people take care of what is important to them. If it were truly a top priority, he would have a plan of action that he can communicate. It is wishful thinking to say you want to deal with your debt with no plan of action. Personally, I would not spend so much time on someone who has not factored “us” into his future plans after nearly 2 years of dating. Your best bet is to work on yourself spiritually, emotionally, financially and make room for Mr. Right instead of Mr. Right Now. You will attract to you men who are only as healthy as you are. My husband always shares this advice with women- Never make life decisions based on a person that you are not married too.

    One of the best seminars I have ever attended on money and relationships is Marilyn Logan’s seminar on “I Can’t Afford To Marry You” A Guide To Understanding The True Cost Of Love”” http://www.marilynlogan.com . She has an awesome story, check her out.

    So, BMWK reader, consider the real cost in addition to losing your religion. (lol) Are you settling or will you pay attention to the voice of caution that is speaking to you. You know what you want so don’t settle, you will pay dearly on every level when you decide to hang on to someone whose vision and/ or goals are not the same as yours. A house divided cannot stand no matter how we try to patch it up make it look good on the outside knowing full that it is a mess on the inside. This guy may be a great guy in general but he just doesn’t sound ready for the level that you’re headed. You can’t change, push or make him into the man God created him to be. You will have to wait until he is ready or make yourself available for the great guy that is ready by taking care of you first. And since you mentioned “(losing your religion)” and you have been in the this relationship for almost two years may I also suggest you check out Ty Adams book on Single, Saved and Having Sex. http://www.tyadamsonline.com When we learn to value ourselves on every level, we won’t spend so much time on certain life questions.

  • kim h20s

    @ Anna,
    Congratulations on holding it down for ten years! My boyfriend made the decision that until he got some things paid off, he wasn’t comfortable taking on a wife. He told me that his debt is a result of irresponsible spending habits and buying things to make himself feel better. He was addressing those issues when we met and continues to do. So I am content to wait. He has told me his timeline, and it seems reasonable.
    We are planning our future “debt”, I’m in graduate school, he has a child, I’ve got a widowed mother, and we’d like to buy a house.

  • Anna

    @ Kim again. Nothing wrong with having goals. I wish you nothing but the best. Behind every good man is a great WOMAN.!