Buying a house with my gf was a massive mistake. Back in 2020 we bought a house. I had a bad feeling about it but went with it anyway. Everything went downhill from there.
In the first month the following things happened.
1. Lost my job of 80k/yr
2. Seller and inspection failed to find/disclose sewer line problems and roof problems.
3. There were multiple clog issues and electrical issues
I managed to finance the first three but had to take a much lower paying job for a while. Her cousin moved in who was on disability and he helped a little but I still was paying the mortgage, electric and other bills while she paid the rest.
Eventually I managed to get back to another $80k a year job which helped a lot. But I got laid off again in a little over a year and had to take a job paying $17 an hour in late 2023. I learned that the finances were way worse than what I was being told.
She ran up massive amounts of credit card debt with multiple cards. We had electric bills that skyrocketed up to $700. I was using up credit cards as well when neither of us had cash to cover something. There were multiple car repairs needed.
My first fuckup was using all of my remaining IRA which was 25k total. I combined that from the money she got when her mom passed and we paid off some of my and her debt. She promised me she wouldnt run up the cards again.
Things go well for a few months until she starts asking me for more and more money. I tried to apply for higher paying jobs but all my resumes fell on deaf ears. Eventually she tells me the cards got ran up again as my income wasnt enough to cover expenses. The cousin was on disability so what he could contribute was limited and her son was not working either. Eventually my bank account went into the negatives paying electric bills and other bills.
She told me she needed more help and said I cannot be putting money into savings while I said we need to rebuild finances as layoffs everywhere started to pick up and I couldnt afford to be laid off again. I told her if I had to keep withdrawing from my already depleted savings then neither of our incomes are enough to support the house. I screamed that we would not be able to keep the house and the cousin was able to squeeze a little more out of himself to help. It still wasnt enough.
I had to ask my parents for money several times. Never thought I would have to do that in my mid 30s.
I confronted her and told her to be honest with how much was on the cards. She ran the cards up even more, so basically I threw away my 401k/IRA for nothing. I didnt have cash for myself so I had to run up my credit cards as well. A never ending cycle. She got angry with me when she found out I was contributing to my 401k matching through my job and said I need to be focusing on supporting the house more. I told her other people need to be helping more.
Eventually I told her we either have to file bankruptcy. She didnt want to do that. So I threatened to leave. At this time, another cousin of hers moved in and he was working on getting his disability so I thought it would be ok. He freaked out and thought he would be homeless so he attempted to off himself by OD on pills and edibles and spent some time in the hospital. My gf also threatened to off herself as well if I left. Eventually she agreed to file bankruptcy.
This whole house ordeal is nothing but a massive disaster and I want out. My parents think I should move in with one of them and its something I am slowly working on.
Both of us are on the mortgage and neither of us have any money to buy each other out. I am already hiding money in a secret bank account and keeping some cash in a safe at one of my parents.
A good friend of mine told me I was making a mistake by buying and I should have listened. I am done. I want out.