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What will you do if your husband gets sick leaving you responsible for both of your financial needs
My husband for more than 10 years used to earn well but was not able to save for the 'rainy days' and for old age. I, on the other hand has a stable job and earn enough and am trying to save for the time when I get to retire. Two years ago, my husband was diagnosed with a heart ailment forcing him to retire early. He has no pension, no benefits from the company he used to work with, in short he has no money. We have no children, just 4 dogs and a cat.
We love each other and I can not imagine life without him.
You do the best that you can with what you have. Like your vow's for better or worse through sickness and in health. Some bad choices are made at times they seem to be the best choice when in actuality they are not. You are not alone we all at one point in time have thought we made the best desision for our financial stability only to find out later it wasnt one of our best choices. Take life as it comes and love the ones your with, together you can rise above.
Ideally it would have been nice if the two of you would have agreed on a financial strategy for the marriage. From what you described it sounds like when it came to finances your marriage was more of a (You & Me) and less of a (Us & We) approach. No joint savings or investments. It's always smart to at least have life insurance policies on one another.
However that may be water under the bridge at this point. It's still a good idea to meet with a financial advisor to garner some suggestions. There really is no magic bullet. One must spend less than what they earn in order to have savings. We either find ways to earn more money or we find ways to downsize our expenses. Maybe your husband can start an online business from home even if it's selling things via eBay or Amazon. If he has a skill others might be interested in acquiring he could put together an eBook and self-publish. I read about one guy who sold 1 million copies of his eBook at 99 cents each on Amazon within a 7 month period.
It's been said with every adversity comes an opportunity. You can approach a problem as if it were a puzzle you're trying to solve. Don't focus on the problem, focus on the solution. Have fun coming up with new ideas and new ways to get ahead. Read books about others who were in a similar situation and prospered. It's also been said "Success leaves clues". If you model or follow someone's recipe you should get similar results. "Life is what you make it" - Best of luck!
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