How do You Know When to Pull the Plug on Your Marriage?

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The Two Fears That Almost Kept Me Married

When do you decide to give up on a marriage, actually call it quits, and ask for a divorce?

I ask because I honestly don’t know the answer. I never made that decision myself; my ex made it for both of us. Left to my own devices, I probably would have stayed until death do us part. I have a high tolerance for pain, and I’ve always preferred trying to fix things over walking away from them. I still want an answer, even though I’m slowly learning there isn’t a clean one, which is basically why I’m writing this at all. When do you actually call it quits?

Put another way: what’s actually stopping you from initiating a divorce, if part of you wants to?

From what I’ve seen, mostly fear. Two fears in particular tend to do the heaviest lifting: money and the kids.

Let’s take them head-on.

Fear One: You’ll Be Much Worse Off Financially

Being poor was one of my fears too. Combined, my husband and I could live comfortably in an expensive city on one income. Divorced, that math falls apart. I’d need a job, we’d need childcare, we’d need to split assets and fund two households instead of one. Both our standards of living would drop. That was a genuinely depressing thought, enough on its own to keep divorce off the table. I’d rather be unhappy and financially stable than happy and broke, or so I believed at the time.

My divorce happened anyway, and yes, my net worth dropped. My cash flow took a real hit. That brought real anxiety with it. I used to build monthly budgets just to confirm, yet again, that there wasn’t enough coming in to cover what was going out, which only fed the anxiety further, until I finally made the connection that stressing myself into a spiral wasn’t actually accomplishing anything.

Eventually I realized I’d always managed, one way or another. I cut my spending, found ways to bring in more money, made decisions, and kept moving forward in a direction that matched what I wanted for my life. For some people that means earning more. For others, it means spending less. Either way, there’s usually a path through.

Three years out, I can say plainly: being happier on my own is worth far more than what the divorce cost me financially.

Fear Two: The Kids Will Suffer

I’d been the primary caregiver for our two kids, four and six at the time we separated. I genuinely couldn’t picture their dad managing them alone for half their lives. Surely they’d go unfed, unbathed, put to bed late, and laundry would pile up forever. And beyond the logistics: my kids wouldn’t be with me for half their lives. They were four and six. They needed their mother. I needed them. They were, in a lot of ways, my whole purpose.

To be clear, my kids wanted us to stay together. My youngest once cooked up a plan where I’d rent an apartment in the same building as his dad, so we could live down the hall from each other. Adjusting to only having one parent around at a time was hard on them at first. But they adjusted. Honestly, it wasn’t even that different from before; my ex and I had barely occupied the same room together for the two years leading up to our separation anyway. They still have to manage two different sets of house rules, switching gears twice a week, but that’s just life. We all have to manage shifting expectations across different parts of our lives, jobs, family, everything. Kids of divorce just get more practice at it earlier than most.

It was harder on us, the parents, I think. I missed my kids desperately for a full three years after the divorce; I have the blog posts to prove it. It took my mom asking me this past summer, while the kids were away for their two-week stretch with their dad, “Do you miss your kids?” for me to actually notice something had shifted. I said, “No, I don’t miss them,” and then really sat with what I’d just said. The old version of me would have felt like a traitor for saying that out loud, wondering what kind of mother doesn’t miss her kids. Instead, I recognized it for what it actually was: a real milestone, for me, for their dad, and for them.

It took three years to build a life that could actually make me happy while my kids were away, and three years to genuinely trust they’d be fine with their dad. What I’ve come to believe, in that time, is that kids do better with two parents who are both actually capable of caring for them. Yes, it takes more coordination, and the back-and-forth between households is tiring, sometimes a little painful. But now they have two parents who can feed them, get them to school, sign them up for activities, and arrange their own plans. Two parents genuinely involved in their lives. I probably still do more, if I’m honest, but their dad is doing far more than he ever did while we were together. If we’d stayed married, I’d likely still be doing everything, and he’d likely still be on the sidelines. Now I have my own life, and a life as a mom, both. Time for my own things, my own work, my own growth, alongside real trust that my kids are being cared for by someone who loves them. That’s a genuinely good outcome.

It took three years to get here, though. Three years to understand that their dad does love them, and that doing things differently than I would isn’t the same as doing them worse. It’s just different. How do you even judge what good parenting looks like? The best I’ve landed on: a good parent is someone who loves their kids and is genuinely trying to do right by them.

Three years out, the fears that kept me in my marriage turned out to be mostly unfounded. I’m grateful my ex worked through his own version of those same fears and finally ended things. The marriage had run its course. We were done. We’re better for being divorced.

The Blame Game

Blame and Happiness

I went to a great workshop a few weeks ago put on by Dr. Sue Goldswain and John Boland. If you’re ever in the market for a marriage counsellor, they’re worth looking into.

One thing that stuck with me: it takes two people to build a relationship, and two people to take one down. If a marriage ends in divorce, both people played some part in that.

It was a relief to hear it wasn’t entirely on me.

It got me thinking, though. I hear a lot of different versions of how a marriage failed or is failing, and I’ve noticed something consistent: the person doing more of the blaming tends to be the one hurting more.

I know this because I lived it. I hated my ex when we first separated, and I was miserable. How could I have married someone so horrible? As the blame slowly faded, it actually turned into something closer to gratitude, and I got noticeably happier along the way.

How do you feel about your own relationship right now? If you’re doing a lot of blaming, is it actually fixing anything?

hire yourself

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Hire Yourself

Tax season always brought the same question to mind: why is it still this stressful for so many people, when the software gets easier and cheaper every year?

I’ve seen the full range. Some people have everything to me the day filing opens, organized enough that I could practically just hit enter. Others I’d chase for years before finally filing a decade’s worth of returns in one sitting. In between, every shade of relief and dread you’d expect.

To be clear, I’m not talking about genuinely complicated returns; sometimes hiring a specialist is exactly the right call, so you can focus on what you’re actually good at. I mean the more ordinary case: employees, or people running a simple sole proprietorship, who still can’t bring themselves to sit down and do it.

Most of what stops people comes down to fear, in one form or another. Fear of making a mistake and facing penalties. Fear of having made too much money and owing a lot. Or, on the flip side, fear of discovering they made very little, and reading that as some kind of verdict on themselves rather than just a number. Easier to not look at all.

Then there’s the sheer volume of it. If you run your own business without a system for tracking money in and money out, facing a full year of receipts can feel enormous. I understood that fear well; some of my clients handed me a literal shoebox of receipts every year. Not my favourite kind of work, but it always helped to know I’d get paid for it.

All of that fear adds up to people avoiding a significant part of their financial lives. I’ve always believed that more information puts you in a better position to make good decisions, and burying your head in the sand tends to keep people stuck rather than protect them.

So what actually helps?

If it’s genuinely overwhelming, hiring someone is a reasonable option. Find someone you’re comfortable talking to, and ask them to walk you through what they’re doing as they go. It costs a bit more upfront, but it usually pays off, both in savings and in finally understanding your own numbers well enough to lose the fear around them.

I’m a firm believer in outsourcing what you genuinely can’t or don’t want to do yourself. That’s not a failure; it’s knowing your limits. But there’s a difference between outsourcing the task and outsourcing your understanding of your own financial situation. The first is fine. The second leaves you exactly as afraid of your own numbers as you were before, just with someone else quietly managing that fear for you instead of you managing it yourself.

My favourite suggestion, though: hire yourself. Decide what your own time is worth, sit down, and do the work. Once it’s done and you know what you’re owed, take that money and spend it on something that actually makes you happy. If saving it is what makes you happy, save it. But there’s a good case for putting at least some of it toward an experience you’ll actually remember.

Do that once, and next year’s taxes start looking less like a chore and more like an appointment with a bit of found money at the end of it.

Pay for your own coffee

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Pay for Your Own Coffee

I have friends currently in the dating stage of life, which is fascinating to hear about secondhand, and, being me, the money part catches my attention most.

Nearly every friend I have insists it’s the guy’s job to pay for dinner and drinks. One recently tried to pick up the check anyway and got a “come on, let me be a man” in response; he took it back before she could finish the gesture. Another friend of a friend apparently uses dating to fund her nights out; when money’s tight, she finds someone online willing to take her to dinner. It always works.

I asked around: is there ever a real conversation about the bill? Mostly no. A woman might make a token gesture toward paying, mostly for politeness, but that’s usually where it ends.

What strikes me is that these are all women in their forties, all at least as financially secure as the men they’re dating. This isn’t about need.

So what does this actually do?

One friend went on two dates with someone who paid both times. After the second, she decided they weren’t a match and spent two full days agonizing over how to tell him, instead of sending the simple, honest note she eventually did. She told me it would’ve been so much easier to end it if she hadn’t felt like she owed him something for the forty dollars he’d spent.

A more serious version of this happened to another friend some years back. A guy took her to a fancy dinner, and when the night didn’t end the way he expected, he made his displeasure clear and never contacted her again. She was, fortunately, someone who didn’t let that kind of thing shake her, and her read on it was good riddance. Not everyone comes out of a situation like that as unbothered.

My honest take: men get a lot of leverage for the price of a fairly cheap dinner. Some women consciously use that dynamic to their advantage, which is fair enough, but it still reinforces a pattern that doesn’t really serve anyone in the long run.

This dating-and-paying pattern sets a template, and if the relationship continues, that template often carries forward. Being financially taken care of by someone else shifts the whole balance of power in a relationship. I see a version of this with my own kids: I pay, and I make the decisions.

Do women need to be taken care of? What people actually need in a relationship is to be loved and respected, and assuming upfront that someone can’t take care of herself financially isn’t really either of those things.

I’ve met several widows through my volunteer work preparing taxes for seniors. Almost without exception, they were never the ones making the financial decisions in their households. Learning to manage money for the first time as a senior after losing a spouse is genuinely hard.

The pattern starts small, right at the beginning. Going on a coffee date? Pay for your own coffee.

You Still have to Talk to them

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You’ll Still Have to Talk to Them

From my very unofficial polling of people I meet, money and parenting issues are the two biggest causes of divorce. I had a slightly funny, slightly tragic conversation with a friend recently. We were commiserating over both having separated from our spouses because we couldn’t get on the same page about money or parenting. Then we looked at each other and said, at almost the same time: yup, and we still have to deal with our exes on exactly those two things, even now that we’re divorced.

For anyone newly separated, I’m sorry to be the one to tell you this.

That’s the irony. Getting divorced doesn’t get you out of discussing parenting and money with your ex. If anything, it requires more communication, not less, since you’re now doing it across two households instead of one, usually with someone you’re not especially motivated to talk to in the first place. You’ll likely hire lawyers and counsellors and spend real money figuring out how to communicate at all during the process. Then, once you finally have a separation agreement, you’ll spend a couple more years figuring out how actually to implement it. Because even when something is written down clearly, you and your ex will probably interpret it differently anyway.

When we signed our agreement, I felt such relief. I thought we finally had a map, something clear enough to settle every future parenting and money question. I was wrong. It was naive to think we’d suddenly interpret things the same way, when we’d never managed to before. We kept fighting over what individual sentences meant. Our kids kept getting caught in the middle.

The agreement itself never solved anything. The only thing that actually helped was learning to communicate with each other based on our individual communication quirks, needs, and values, something I resisted for a long time before finally adopting it, after a full year of being repeatedly blindsided by how differently my ex read the same words I’d read.

Eventually, you’re going to have to learn to actually communicate with your partner about the big things, parenting and money chief among them. The only real choice is timing: do it after things have already gone sideways, or do it proactively, before you build a life and a family with someone, to find out whether you actually can communicate with them at all.

Same Money, Different Story

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Same Money, Different Story

Retirement takes up a lot of space in our collective consciousness. It’s what we’re all supposedly saving for, and it’s especially loaded right now, when so many people struggle to get by while working full-time.

How are we supposed to save for retirement when we can barely manage the present? Maybe we should all give up. Who needs savings anyway?

That’s a self-fulfilling prophecy if I’ve ever heard one.

Interestingly, plenty of people keep saving anyway. What story are they telling themselves? Maybe they’ve noticed how many impoverished, vulnerable seniors are already out there, and that’s motivation enough. Maybe they still have hope for how things will go. Maybe they’re just hedging their bets.

Whatever story you’re telling yourself about saving right now is quietly shaping how you actually live and spend.

I first noticed how much these stories matter through my volunteer work with the Community Volunteer Income Tax Program. In one year alone, I helped file forty-four returns for low-income seniors, and the highest earner among them made $28,000. During tax season, the line at the Seniors’ Centre wraps around the block. The cutoff to qualify for free filing is earning under thirty thousand dollars a year, and even that’s generous relative to what most people in that line actually bring in. Between Old Age Security and a maxed-out CPP contribution history, someone with no other savings tops out around twenty-five thousand dollars a year. That’s a lot of seniors living on very little, each carrying a different story about how they got there.

One woman I helped had lost her husband years earlier, and with him, the financial security she’d expected to carry her through old age. She’d never worked outside the home. What little she had left, she’d since lent to family, and that money hadn’t come back to her. Every time I saw her, that loss came up again, clearly still the loop playing in her head. And yet she was sharp, put-together, moved quickly for her age, lived somewhere lovely, and had grandchildren who visited. None of that seemed to register next to the story she was telling herself. I could see the worry sitting right on her face.

Another man I helped, in the same building, offered me tea while I worked through his return. We talked about music, hobbies, his dog, who he still tried to walk daily even though walking had gotten harder. He seemed genuinely upbeat.

Financially, there was no real difference between them. Same fixed, minimal means, same basic constraints. But they were living in two completely different stories.

We all find our own way of coping with whatever we’re handed. How we manage it, and the story we tell ourselves about it, shapes how the present actually feels, and how the future unfolds from there.

Most of us will eventually retire, and eventually stop being able to earn. It’s worth planning for. If you want to know where I personally land on it, I’m solidly in the hedging-my-bets camp. It’s a lot easier to stay hopeful when you feel like you have some actual control over your own situation.

The Story I told myself about money

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The Story I Told Myself About Money

The stories that play in our heads usually get planted there by whatever’s happening in the world around us as we grow up. We absorb them from parents, friends, and the wider culture, and depending on how loud and constant they are, we tend to adopt them as fact.

Growing up, the story in our house was: be careful with money, save for the rainy day that’s definitely coming. Good luck doesn’t last, and you’d better be ready when it runs out. That story wasn’t unique to my family. Most of our parents had grown up under parents shaped by war and depression, and they’d had the same story drilled into them. They passed it down.

Everyone interprets an inherited story differently. Some people hear “good luck can’t last” and decide to spend freely, so there’s nothing left to lose when the bad day comes. I went the other way. Every purchase became an internal debate: do I need this, or should I save it for the day I can’t earn anything and end up destitute? The rainy day always won. So I mostly just stopped spending.

The only exception was spending money with someone else who was operating from a different story than mine. As a lifelong people-pleaser, I weighted other people’s arguments more heavily than my own; if someone told me it was fine to buy the thing, I’d buy it, then spend the rest of the day quietly justifying it to myself, wrapped in guilt.

Sometime in my thirties, I noticed how extreme this had gotten and dialled it back a bit. But the core belief that ruin was coming eventually never left. Then I got married, had kids, and my ability to save took a real hit. I worried about money constantly. It was exhausting.

Then I got divorced.

And there it was: proof. My story had finally been confirmed.

Starting over after divorce is hard enough. Starting over while genuinely believing the world has ended and you’ll never see financial stability again is a different level of hard. The day I’d spent my whole life bracing for had finally arrived. I was going to be financially unstable forever. That’s a difficult belief to build a life on. I tried to limit the damage by taking no risks at all, hoarding whatever savings I had left and making them last until I died.

Then I started noticing other people telling themselves different stories. One that fascinated me: if you run out of money, you go find a way to make more. Really? That was allowed?

Another was the gratitude story: friends who felt genuinely lucky to live where they lived and have the work they had, who seemed to move through life with more actual joy because of it.

Slowly, I noticed something else too. Doomsday hadn’t come. I hadn’t become destitute. I had only believed I would. That belief was never true; it had just been busy manufacturing my reality anyway.

So what did the story actually do for me? It helped me save, and I’m genuinely grateful I came out of my divorce with some financial stability because of it. But did I need the guilt and buyer’s remorse that came bundled in with the saving? Honestly, no. I could have saved just as well without any of that extra weight. Pay yourself first; that’s really all it takes. I did that automatically every month. The guilt over everything I spent afterward wasn’t doing anything useful. It was just the cost of believing a story I’d never actually tested.

Do you have a story about money running in the background of your own head? What is it actually doing to how you live?

No Hobbies

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No Hobbies

Do you have your own business? Are you thinking about starting one? I’d tell you to put some structures in place for work-life balance.

Or not.

I was conflicted about this for a long time. I loved my work so much that everything else basically fell away. Someone once asked me what my hobbies were. Hobbies? I genuinely didn’t know what to say. I was too embarrassed to admit that Netflix had become the closest thing I had. I felt bad about it for the rest of the day.

Once I couldn’t come up with an answer, I started beating myself up over it. How had I ended up here, when my old tagline used to be something like “the only thing Renée is truly passionate about is her leisure time”?

Part of it was practicing gratitude. Once I started looking at my life through everything I was grateful for, including the work itself, it felt completely different. I wanted to be doing it. I’d chosen all of it. No one was making me.

But there was something else going on too. When you work for yourself from home, there’s no clean line between the workday starting and ending. The moment you’re awake, you’re potentially working.

A friend put it well once: someone with a nine-to-five has clearly defined hours they’re not being paid for. A sole proprietor doesn’t have that boundary built in anywhere, which makes it easy to just default to working whenever nothing else is scheduled, especially when you actually love the work.

That’s exactly what happened to me. I did what needed doing (the kids, the laundry, the shopping), and every remaining hour went to work by default. If nothing else was on the calendar, I worked.

As much as I loved it, I could see where that was headed: burnout, too many hours at a screen, not enough of anything else.

What I eventually landed on was that leisure time has to be scheduled deliberately when you’re self-employed. Just having free time doesn’t actually work. It’s a vacuum, and work rushes straight into it.

So I booked a weekly exercise class and paid for it upfront, since accountants hate wasting money more than almost anything else. I gave myself an actual non-work schedule and held myself to it the same way I’d have held myself to a time card if someone else had been the one setting my hours.

The Part-Time Single Parent

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The Part-Time Single Parent

When my first son was in his first year, I remember being so relieved I wasn’t a single parent. I was in awe of anyone who was.

Years later, I’m a single parent to two spirited boys for half of my life. The other half, I’m supposedly footloose and fancy free, though really it’s just catching up on the work I didn’t get to while the kids were with me.

So I don’t really think of myself as a true single parent, except on the days I am. Fortunately, I don’t have much time to sit with that thought, though it creeps in sometimes: single parenting really sucks.

On those days, I wake up at my usual 5:30, my body simply won’t stay asleep, and I sneak to my work nook to get ahead while I can. If I’m quiet enough, my morning child won’t hear me. He has some kind of instant mommy sense and knows the second I’m up, then follows me down asking if he can watch TV. If I dodge him, I work. If I don’t, I’m entertaining him until his brother, the late sleeper, wakes up. I make breakfast, make lunch, get them out the door for school, come home, work, work, work, pick them up, make dinner, clean up the mounds of stuff they haul home, get them to bed, try to squeeze in a little more work, and pass out, only to do it all again the next day. That was a run-on sentence, and it mirrors pretty well what those days actually feel like.

Every so often my kids’ dad travels for work, and I have them for two weeks or more straight. Those stretches are when I really feel how hard single parenting is, and I’m always grateful knowing a break is coming once he’s back.

Having a co-parent isn’t automatically easier, though. We couldn’t live together for good reasons, and parenting together across two households is still genuinely hard. On the days we disagree the most, part of me wishes I were just the one in charge, no negotiating, no dealing with someone I find unreasonable in that moment.

Then I get the kids back, and I have to figure out how to work with him again anyway.

All of this has led me to a few fairly firm conclusions.

Single parents need a lot of support. A lot. I’ve spent the past few years actively building that for myself: breaks I can count on, even if they’re not frequent, other people in similar situations to talk to, and a real backup plan if I ever hit a wall, which for me is my co-parent. Society’s slowly getting better at recognizing how hard this is, and support exists if you look for it. I also built plenty of my own, partly because the people around me kept nudging me to.

The other thought that keeps circling in my head: we talk a lot about single moms, and not nearly as much about single dads. They’re out there too, and they need support just as much. I did a quick search once for single-dad support groups and found almost nothing nearby; the closest one I could find was clear across the country. I wonder if that’s part of why dads seem to move into new relationships faster than moms sometimes do, needing another parent-figure in the mix because the structural support just isn’t there for them the way it increasingly is for moms.

My last thought is simpler: relying on my co-parent only works if we can actually get along. I’m not going to ask for help from someone I’m not speaking to.

I went through real anger at him, especially right after we separated. I held back from going for blood during the divorce and chose the Collaborative Approach instead, both of us agreeing to stay out of court, because I understood that conflict between parents is what actually hurts kids the most. I picked the path with the least conflict and talked him into it too. Only now do I see how much that choice has benefited both of us as parents. We can talk. We’ve built real systems for getting along. If we’d gone for the jugular instead and dragged each other through court, one of my biggest support systems right now simply wouldn’t exist. And the kids would’ve paid for that, along with two burnt-out parents.

If you’re heading into life as a single parent, know that it’s hard. Build whatever systems you can to support and sustain yourself.

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Ex Flare-Ups

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Ex Flare-Ups

Some things in life flare up on you. No warning, no pattern you can predict; they’re just suddenly there.

That’s how I’ve come to think of dealing with my ex. Not constant, not even frequent, but when it happens, it happens fast and hits harder than you’d expect for something so infrequent.

I’ve noticed these flare-ups tend to cluster around the predictable stress points: birthdays, holidays, the usual suspects. And I have exactly as much control over the timing as you’d expect: none.

I know the honest counterargument here: I chose to marry him, and whether something he says or does actually counts as a “flare-up” is really just my own interpretation. It’s not an illness. It’s a reaction. That distinction matters, and I don’t want to pretend otherwise.

But the useful part of the comparison holds anyway: whether something is a genuine crisis or just my own reaction to it, having a strategy for managing the reaction still matters. So over time, I built one.

The flare-ups come on suddenly, out of nowhere, infrequent but sharp. I never see them coming. Instead, I built a response system for after they hit.

First, I write out my full, unfiltered, knee-jerk emotional reaction, everything, no editing, no restraint, in an email. I ensure the “to” field is empty before I even start typing, so there’s no chance of accidentally sending it to him. When I’m done, I send it to a dummy account of my own instead. I don’t fully understand why it works, but it does. Something about hitting send, even into the void, gets it out of my system.

Then I give myself time. I don’t run straight to my support network to vent about whatever the latest thing was, not for a few days at least.

I breathe. I try to meditate. I remind myself that things rarely turn out as badly as my imagination insists they will.

None of this makes the flare-up disappear. But it does take the edge off the worst symptoms, the sleeplessness, the short temper, all of it.

More importantly, it gets me to a place where I can actually deal with him productively. Before I had any of this in place, my instinct was either to fight or to avoid entirely. Fighting feeds the flare-up. Avoiding leaves you sitting in dread, waiting for the next one.

So this time, I emailed him and proposed we talk in person, with some ground rules set in advance to keep the conversation collaborative.

After a few conversations, things settled. We’re back in a good routine, and I’m still working on ways to keep these flare-ups further and further apart.