SS is a PITA even from across the country
So quick recap: SS18 is in college across the country- he has a gf in our state who is a Jr in HS, and they are obsessed with each other. They have had sex, her parents are religious and don't know. This wknd SD15 (temporarily retiring her Demon nickname as she has been consistently normal and decent for a few months now) told us that SS's gf's parents love SS because he told them they are waiting until marriage to have sex. So, he straight up lied to their faces when they talked to him about sex, because they were worried that SS and their daughter were having sex in their house. Instead of just the normal lie (no we're not!), he went and said they are waiting til marriage.
This is actually disturbing to me, because I already know SS is a huge liar- he lies all the time and I can't stand it. It makes me actively dislike him- meanwhile he has everyone else that doesn't know he is a liar charmed. SS is very charismatic. But this just feels...gross. DH did not look impressed either when SD told us, but I highly doubt he even said anything to SS, which just further frustrates me. Honest opinions- is this in the realm of what normal almost-19yr olds would lie about? Straight to their gf's parents faces? SD also said SS and his gf have sex at Crazy's and Crazy has talked to him 3x (she doesn't know they are doing it, because she's an idiot) about not having sex there and he doesn't care or listen. And of course she won't make an "open door" policy, because...she's an idiot. (SS's gf isn't on BC- that's the real issue, plus she's underage).
Then, DH fronted SS the $ for this foreign car SS just HAD to have when his was totaled, using $ from our Home equity loan. I grudgingly agreed because he said it would be paid back as soon as the loan came through that he was co-signing for SS, (which usually takes a few days) but I let him know I was not happy about it. Fast forward a MONTH, and the loan is still not complete. The title took forever and SS was too dumb to know to mail the title to the DMV priority mail. I'm pissed at this point. SS is in college- he didn't need this car immediately. But DH can't say no to him.
Then, there has been all of this BS about SS's ins. It's $222 this month alone. DH told him he has to pay it. I got the bill to my email (although it's coming out of DH's acct) so I simply forwarded it to DH and SS as an FYI with no message added. SS starts texting DH whining about how Trunorth sent him this bill and said to pay it (nope! Lie. DH was copied though, so he saw) and it's "more than he expected", and it's due in a few days. DH told SS he was supposed to call the ins co. about the discount, which I had text SS WEEKS ago, but he never did. SS said "this is the last thing on my plate". Oh is it SS? You just had to get your way and get a fancy foreign car and the ins is more, you never called about getting the discount set up, and now that it's time to pay and it's more and you have to call it's "the last thing on your plate"? He is so entitled and just expects DH to do it all for him, but DH literally couldn't make this call if he wanted (SS has to be near the car to set it up).
Even from across the country, this man-child is on my last nerve.
As I was asking the bank about SS's loan (because really it's our $ now), I inquired about a CC for SS to build his credit- I am done with DH co-signing for him. It affects me too! Next time DH better not cosign. The bank said SS qualified for a $2K student CC. Initially we thought it wasn't a good idea- he would charge it up. DH had the idea to only have SS's ins billed to it and then SS pay it back out of his checking. Perfect. Today, I find out that DH had to COSIGN for this f'ng Credit card!!! I almost lost it. I only asked the bank about it so that DH wouldn't have to cosign for things! I told DH I was upset about it because I am on the hook for these loans if something happens to him, and I would have said no had I known he had to cosign. There are other ways to build credit. I am beyond livid with this co-signing, ins, CC, loan situation. I sent DH a message about it today and when he came home he was "frustrated" and needed space, so he went upstairs for the night. Fine with me, I'm frustrated too.
To top it off SS is definitely moving back for summer and he's applying to schools back here next year. It's terrifying honestly. Some of them are still out of state, but a drive away. I know DH is going to have to force him to get a FT job this summer because he's lazy and will drag his feet trying to stall, and even though he has champagne tastes and a fancy car with bills and $ he needs to save, he wants to do the bare minimum and thinks he should be able to "enjoy his summer" and sleep all day and spend every second he can with his gf. (Who has no problem working). If he stays with us all summer I may scream.
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He’s 19
and the girl with religious parents is only a junior in high school? In my state that would be a big, big problem...
Yep
Big, big problem here too. Which is why it's mind-boggling that his idiot mother just allows them to close his bedroom door and believes they aren't having sex.
I was just
stating a fact - in my state the guy would be in trouble.
I don't blame you
I don't blame you for being frustrated, I would be, too. If you've read my posts, you know my 87yo DH is still doing this type of thing for SD63. It's all so sickening. And, like you, I worry about the obligations for the "child" he's taken on in case he passes before it's all resolved.
Well, you know it's going to be a clusterf$$$ when SS gets the gf pregnant. Sigh. Hard times ahead....
"Honest opinions- is this in
"Honest opinions- is this in the realm of what normal almost-19yr olds would lie about? Straight to their gf's parents faces?"
Doubling down and pontificating about waiting for marriage is extra slimy IMO. Eddie Haskell on Leave it to Beaver style.
I hate that you can't trust your DH when it comes to skids and your family finances. I would rather my spouse just give them the money and be honest about it than cosign for a lot of debt if i couldn't trust the skid to pay it or my spouse to keep track of it.
Extra slimy
These are the words I was searching for. It was an uneccessary addition to the lie- a simple "no we aren't" would have sufficed. That's the thing about SS's lies- he doesn't just lie, he goes the extra mile and makes up a story. "I'm the president of the chess club". No, he wasn't. His first week of college, the e-sports team asked him to be the Captain of the Varsity e-sports team, without even meeting him or having him tryout. Also not true.
I guess it's not that I don't trust DH with the debt- what I am not ok with is him just going and doing it without discussing it with me or me agreeing to it. I have no say. I was adamant that SS not get this foreign car, (his last car was the same make and I also said he shouldn't get it and was absolutely right about it, but they didn't listen. So what does he do? Allows SS to go and get the same make again, and cosigns for it, even though SS doesn't have the $ for repairs if something goes wrong). I would have been ok with this loan had it been for a different car. The credit card is a gray area- yes I was the one that looked into it, and yes I agreed with putting the ins. on it, but the bank never said anything about SS being approved only with a cosigner. I would have said no. But DH just signed without saying anything to me. He just goes and does it. The biggest thing is, I'm on the hook for this if something happens to DH and SS doesn't pay. And SS didn't need that CC. He could have gotten a prepaid CC to build debt and in a year gotten his own when he has a job that isn't just paying him cash like he does now. It's more that DH is just making unilateral decisions that affect me also, but because it's for SS, he thinks I shouldn't get a say, and because he probably won't die they don't "really" affect me.
This is distressing
This is distressing @TrueNorth77, I've been down this rodeo too. The car, the extra this and that....Frankly speaking it was a hill to die on for me. This is not reasonable for you to be told you are now liable for this debt of the stepson...stepson and dad are in financial bed together and you are now the interlooper who is going to be hooked to this silly garbage. I have spent years untangling myself from the mess stepsons create and every year I find another way to close a loop hole. My DH is very clear on the line and is respecting it but if I were you I would seriously consider divorce and even if it's just on paper legally that way if your husband did pass you would not be responsible. You could still live together and write the wills in each of your names but simply not be married. This to me is financial infidelity and it really does impact you.
Also for the living situation- we also had SSs each come back for a miserable amount of time- make sure there's a deadline for them being gone. It can go on and on. If GF gets pregnant you could have an indefinite situation with SS, GF and a child...then you would be pushed into babysitting on a regular basis or just dealing with a young kid in teh house.
I am not trying to scare you but I could see a very similar path I was on until I started stating my hill to die on:
SS can be here temporarily - 6 months but have to go by X date.
NO GF cannot move in or live here on the weekends.
NO there will be no co-signing of loans or giving of money without us consulting one another.
Very black and white boundary laden- NO gray areas. That's the key. And if he accepts the terms great, proceed. But if he does not accept the terms, you might have to evaluate whether he is putting you as a priority or not and whether you deserve to be at the mercy of all these terrible decisions that will ultimately fall on your shoulders.
This kid doesn't need a fancy
This kid doesn't need a fancy car. He hasn't earned anything fancy. Also why did he need a co-signer? DH didn't have to co-sign for LI's first CC (Discover Student Card) and she had no credit (however she did have a part time job at the time... does SS work at all?)
Great question
Same thing for my friend's 18yr old son- no co-signer or proof of work needed. No idea why they made DH sign. And SS doesn't need a fancy car! It's infuriating.
This girl is going to get pregnant - that is what DH should be
This girl is going to get pregnant - that is what DH should be worrying about. They are relying on condoms, and your SS is not responsible enough to be using a condom correctly all of the time. Your DH needs to have a "come to Jesus" with his kid about that, because if she ends up pregnant,that is going to end SS's life as he knows it and all the lies in the world won't help him.
Your problem is DH
SS can lie and do what he wants he's an adult .. DH keeps bailing out SS is the problem. If GF get PG. then SS gets those three letter. J O B . and makes a family after the courts get done with him.
Now YOU. you open a bank account in your name only,, is SS gets 2 k. You put 2k in your account. SS gets $222 a month. Your account gets $222 a month. Its call a exit account. Your DH is going bankrupt Don't go with him
I've been trying not to say this but ...
Your husband is not respecting you. He signs anything and everything his son asks for. So what happens to your retirement because he has pledged goodness knows how much money to his son's "needs"?
I suggest you find a flat for yourself and divorce him. You can still continue your life but differently.
It has be clear that you are in no way responsible for his debts. If he wants to throw away his savings to satisfy the whims of a selfish kid, then let him but damned if you will follow suit.
Your retirement is of ultimate importance to you. Do not lose sight of that.
To be clear
I am not suggesting you throw your relationship away, simply that you disengage yourself legally from all of his financial responsibilities. All it takes is one accident, one car crash, and you suddenly find yourself having to pay all of his debt. Imagine how many other things he may have signed up for that you don't know about (yet).
This is very sensible and I
This is very sensible and I wrote something similar above. You can still have a relationship but legally get yourself away from this mess.