Am I wrong for not agreeing to become a SAHW when I retire?

Imagine a woman on the brink of her dream retirement, her suitcase packed with plans for rock-hounding adventures and scribbled novel drafts. At 40, she’s earned her freedom through years of frugal living, only to find her husband rewriting the script—expecting her to swap her passions for a mop and apron. Their once-shared vision of marriage now feels like a tug-of-war over chores and time.

The tension boiled over when a casual comment about overtime sparked a heated argument, ending with her locked out of their bedroom. Hurt and confused, she’s questioning if her refusal to become a stay-at-home wife is selfish or fair. This Reddit saga, fresh from her post, dives into the messy clash of personal dreams and marital expectations, with a community ready to weigh in.

‘Am I wrong for not agreeing to become a SAHW when I retire?’

I’m retiring in about 3 ½ months (January, 2024), and my husband and I disagree on how the division of labor should be once that happens. Since meeting my now husband, I have been very vocal about my plans to retire when I turn 40. I’ve planned my life around this goal, lived below my means ever since college, and gave up things to meet this goal.

We got married in our early 30s, so it’s only been 7 years since then. He also saves for retirement (I finally got him to up his amount to 20%), but won’t be able to retire until at least 62. He’s instead chosen to spend his money on things that make him happy, and I fully support and encourage him in that –everyone has different goals in life.

We are both child-free by choice so that isn’t a factor here. I’ve said in the past that I’m not going to be doing all of the cooking, cleaning, and finances once I retire because I don’t want to replace one job with another. I currently do all of the cooking, most of the finances, and probably 25% of the cleaning.

I think that it’s fair as my husband usually works more hours than I do and I’m a picky eater so it just works out the best. He recently made a casual comment about how he’s going to start working more overtime once I retire because he’ll have less household stuff to do.

I asked him what he meant by that since my retirement doesn’t really change anything for him, and that I preferred he didn’t work more overtime so that we could spend time together. He said that most husbands with stay-at-home wives don’t clean the house.

I didn’t know what to say because I thought we had already discussed this, so I tried my best to change the subject, but we had an argument about it yesterday at dinner and he’s now giving me the silent treatment. I slept in the guest room last night as he locked our bedroom door and wouldn’t let me in.

I just don’t know how to get through to him. Even though I’ll no longer be working, I won’t be a stay-at-home wife (by my own definition). To me, a stay-at-home partner is the “manager” of the home and doesn’t bring in much, if any, income. Their job is to take care of the home. I’m not trading one job for another, I’m retiring.

I’m still bringing in income, I’ve just planned my life so I no longer have to work 9-5 to do so. I have multiple hobbies that I have been super excited about devoting more time to. I love rock-hounding, crocheting, and hiking. I’m an unpublished writer and have always dreamed of becoming published.

I have a lifestyle blog and a pretty active Pinterest following; I’m not super consistent and they’re not big enough to monetize so I count them as hobbies not “side jobs.” I also have a very long travel bucket list. I’ve already started looking into non-profits in my area I could volunteer for.

I know I still have limited hours in a day, but even if I only volunteer 1 day a week, I still feel like I could be helping our local community. I know we’ve had conversations about this and he’s always been supportive, even of me leaving for a few weeks every so often to solo travel, he’s always been excited for me.

I’m totally confused about this change and I’m freaking out. I thought I communicated my expectations, but he’s saying that he doesn’t ever remember talking about it and that he’s not okay with me retiring if I’m “just going to be lazy.” I don’t see it that way, am I wrong?

The OP’s dropped an update on the saga—curious? Click here to check it out!

This retirement dispute is a classic case of mismatched expectations. The Redditor’s clear plan to retire at 40, pursuing hobbies and volunteering, clashes with her husband’s assumption she’ll morph into a full-time housekeeper. His silent treatment and bedroom lockout—petty yet telling—hint at deeper control issues, while her commitment to financial independence challenges his outdated view of “wifely duties.”

Dr. Harriet Lerner, a renowned relationship expert, says, “Unspoken assumptions in marriage can breed resentment faster than any argument” (source). A 2022 study found that 40% of couples face conflicts over household roles when one partner retires early (source). The husband’s reaction suggests jealousy or insecurity, projecting his own retirement timeline onto her.

The Redditor’s stance is valid—she’s not a stay-at-home wife but a retiree with income and goals. Couples counseling could bridge their communication gap, clarifying roles without ultimatums (source). For now, she should hold firm, proposing a fair chore split and addressing his manipulative tactics head-on. This tale reminds us: marriage thrives on mutual respect, not assumed roles.

Here’s what Redditors had to say:

Reddit’s posse rolled into this marital spat like friends at a barbecue, serving up spicy takes and a dash of tough love. It’s as if they’ve parked at a virtual campfire, roasting the husband’s assumptions while cheering the Redditor’s hustle. Here’s the unfiltered scoop from the crowd, sizzling with support and a sprinkle of shade:

Dizzy_Eye5257 − What really stands out to me is that he arbitrarily decided what is going to happen when you retire, now is giving you the silent treatment and literally locking you out of the shared bedroom. I am sure he feels like it's not

Personal-Ad-8077 − Firstly, no matter how angry you are at your partner, it it never acceptable to lock them out of their own bedroom. I find that to be very disturbing that he thought that was ok. Secondly, you really aren’t describing your relationship as a healthy marriage.

You sound more like roommates living together to save money with an agreed job list.. A marriage should be a partnership. Although you have dedicated responsibilities on paper, reading the list above of what you’re responsible for, there doesn’t seem to be a lot left that your husband actually does. Does he really pull his weight in the relationship?

I can’t help thinking that he has supported your idea of retiring early so as he can have a live in maid/cook/housekeeper who also pays the bills. I think it’s great that you have worked and saved so hard to be able to retire by 40. I think you need to put a lot of thought into what you want your retirement to look like, and if you can actually achieve what you want with him as you husband

AffectionateWheel386 − I have this feeling that when you talked about it in theory that it was out of sight out of mind. So you may have talked about it, but there’s literally no context for him, and now that it’s becoming a reality he sees a completely differently.

Clearly, he doesn’t like anything you’re planning on doing I can tell you right now he’s not gonna be OK. If you still doing the house work I’m going to work and you’re not. He’s not gonna be OK for you traveling for extended periods of time by yourself.

It’s your life though, so you get to do what you want with it. I don’t know why you guys made that agreement anyway because honestly if I were 40 years old and my mate had planned a life almost without me in it, I would not be OK with it.

And I know that your life seems really cool and exciting for you and that’s great But nowhere in there did I hear anything about him at all or how this is going to affect him. And you have a right to do that. I would suggest you divorce him to do it.

rofosho − Nta. He's jealous dude. So jealous. He didn't actually realize that you were going to do what you said you would.. He's also a little misogynistic regarding chores. He wants a pampered life without putting in the work. Actually he wants the pampered life living off of you. He lives in your home. Benefits for your housework and cooking and financials.

Now he wants the whole cookie. Honestly this is why I recommend women who don't want kids and are in the FIRE path with a partner who is not to not get married because it ends up like this. You're better off living separate because he's taking advantage of you.. Honey enjoy retirement but I don't know if you need to stay married.

ZestycloseSky8765 − Locking me out of the bedroom would have seriously pissed me off. I hope you confronted him on that. And you are not wrong

Intrepid_Potential60 − I can’t help but wonder how the heck you got to this point. I fully admit to the bias that my wife and I share finances, all in one bucket other than the obvious 401k and such. But dang, y’all feel like you are just living separate lives with separate goals, it just feels….off?….somehow.

This is your husband. Your life partner. In most marriages, this means planning for the future jointly. You two don’t sound like this has happened at all. Example: I’m not sure how only you gave up things during a marriage. That should be “we” gave up things to make this happen in my head. I’m just…..confused!

KGmagic52 − How is traveling without your husband even a marriage? And retiring 20 years apart so you can hit an arbitrary retirement age? Why not work together, you know, almost like a team or something, so you can retire together? Have you thought maybe he looked at the overtime as a way to catch up and not have to wait 20 years to enjoy retirement with you?

Then you s**t on that idea and basically told him no, he can watch you travel and enjoy retirement from a distance. Locking you out of a room was wrong. But did you honestly think this disparity in your financial arrangement would work in a marriage? No wonder people don't want to get married any more.

theoreticalsandmore − Not wrong. For 10 kudos to you to even having this conversation. Most wouldn't then would just get stuck in it. Hold your ground. You worked hard to get where you and you deserve your retirement.

Dear_Beach7253 − NTA - you say this has been your plan all along, to retire early, and you’ve set yourself up financially to do this. You’ve communicated this to your husband on several occasions. Either He did not listen / hear you, enough to understand this fully.

Or he has changed his expectations or is getting input from others and now wants to change the arrangement.. Also, you should re-word how you discuss this with your husband when you have your follow up conversation.. You are not a SAHW. You are continuing to be a shared contributor to your household arrangement.

A SAHW (or SAHH for that matter) is someone who did not work (or works very little) and takes care of the household so that they can support their working spouse’s work efforts and the other spouse can be in a more demanding / high paying job.

The working spouse in turn is supporting the SAHW so that they can put more time/effort into the household tasks. They are essentially “paying” their spouses share by bringing in more money to the household and the SAHW typically does not contribute or contributes less money.

You are not changing the financial contribution, correct? He is not going to “pay” you to take on more household tasks? Again, you are not going to be a SAHW. Therefore he really doesn’t have a say in what you do with your added free time as he is not being asked to support you financially in your activities.

That being said, being in a marriage does imply clear communication / agreed on future plans, etc. This is the disconnect in my opinion. Remind him that you have been saying this all along, make sure he recognizes that you are not going to be a SAHW as it is typically defined (unless he agrees to pay you and you agree to take on added tasks).

You have to get on the same page about what has been discussed in the past, and why there seems to be a gap in your expectations. Then perhaps come to an agreed upon path forward. This conversation will determine if you have a bigger issue than just a misunderstanding in both of your expectations.

LordKancer − Everyone in this story is selfish. You arent married, you arent working towards common goals. How can you possibly not see that?

These Redditors are all in, slamming the husband’s bedroom stunt as a red flag while praising the Redditor’s hard-earned retirement. Some see his expectations as rooted in envy or misogyny, urging her to protect her freedom. Others question the marriage’s foundation, wondering if separate goals spell doom. Their fiery opinions spark a question: do these online cheers catch the full complexity of a seven-year marriage, or just fan the flames?

This retirement rift lays bare the delicate dance of love and independence. The Redditor’s dream of a vibrant, chore-free retirement clashes with her husband’s vision of domesticity, proving that even the best-laid plans need clear communication. His lockout was a low blow, but her resolve shines brighter. Have you ever faced a partner’s unexpected demands that challenged your goals? Drop your thoughts below and let’s unpack how couples can sync dreams without losing themselves.

For those who want to read the sequel: Update: Am I wrong for not agreeing to become a SAHW when I retire?

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