Secrets of a Jewish Mother: Real Advice, Real Family, Real Love (26 page)

BOOK: Secrets of a Jewish Mother: Real Advice, Real Family, Real Love
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This is the classic Jewish statement on marital finances, incidentally uttered by both Jewish mothers
and
fathers to their daughters. Not to their sons, mind you, only to their daughters. We’ve never heard “What’s hers is yours.” That would be distinctly ungentlemanly.
We concede that some secrets of a Jewish mother are sexist. This one is downright paternalistic. (We do love our daddies!) But note the obvious lesson—men and women are not the same. Men and women deserve equal rights, but they are not the same. Therefore, some rules must be bent to favor women over men because the realities of life usually mean:
1. Women get pregnant or decide to adopt children.
2. Women usually take over more of the everyday responsibilities of raising children than men do.
3. While women are raising their children, they are usually not earning as much money.
4. Women should not be deprived of their share of income because they have chosen to use their time to raise children.
Are there exceptions to this advice? Sure. You can be the one who says, “Whatever you earn is yours, honey, keep it in your name, I trust you. And tell you what, I’ll deposit my paycheck into our joint account too because I love you so much.” And we have a name for you—it begins with an
s
and ends with a
k
(and it isn’t Salma Hayek). If you haven’t figured it out yet, you can look it up in our Yiddish glossary.
You can also be the woman who holds everything in a joint account with both names on it, which means everything that’s his is yours and everything that’s yours is his. That works too, but make sure you still have a
knipple,
just in case....
Gloria’s Story
Sol has always considered any money I earn to be money I can spend however I want. ! I don’t argue. And he is very generous—it should be this way for every woman. ■
Lisa’s Story
I have been earning money since the day I got married, and the beauty of it is that Bill has always looked at that money as my money, not our money. We never fought about it. His money is our money and my money is my money, exactly as each of us was raised. (Thank you, Mom and Dad Wexler!) Of course, much of my money has been spent on the family, but after all these years, I’ve saved a nice-size
knipple
, which we are both proud of. Make sure you have a
knipple
for your own rainy day, may it never come. ■
Jill’s Story
I may be in a unique situation with Bobby, or simply too trusting, but I don’t feel the need to squirrel away my own funds. On the other hand, I also know that I can get to our money whenever I need to, since our accounts are in both our names. Of course, in case of a real emergency, I do have that 401 (k) ... God forbid, bite my tongue three times, I should ever really need to use it.■
ask yourself
1.
Do you still have money in your own name, alone?
2.
How is his paycheck deposited—into a joint account or another way?
3.
Do you have to account for the way you spend your money?
4.
Does he understand that you are allowed to save money on your own but that you are also allowed full access to spend his?
The Prenup
If Jewish mothers could make prenuptial agreements go away with the wave of a diamond-studded hand, they would. Prenups? How unromantic. How untrusting. How unfair. Unfortunately, how common.
Signing a prenuptial agreement means negotiating the divorce before you eat your wedding cake. But for some couples, especially those in which one of the partners has already been married, a prenup is an essential security blanket to enable them to move forward with a marital commitment. They may have children from their first marriage they are worried about protecting or obligations to others that could go awry in case of a divorce. Sometimes, people simply want the security of knowing they can walk out of a bad marriage and not have to leave behind the property they have earned or inherited.
For Mom and Dad, and Lisa and Bill, the issue of prenups never arose. Both couples started out young, poor and full of romantic love. The only “baggage” they brought into the marriages consisted of the honeymoon trousseau. For Jill and Bobby, however, the prenup was definitely an issue.
Jill on Prenups
Bobby raised the issue of a prenup several months before we got married. When I met Bobby, he was a man of substantial financial success, and it was his second marriage. I understood his concerns about protecting his three children. I wasn’t marrying Bobby for his money; I was madly in love with him and in the marriage for the long run. So I really didn’t mind signing a prenup, provided it was fair. For women planning to marry men who have been divorced, I always tell them to look at the way their prospective husband is treating his ex-wife. If he was the breadwinner, how fairly did he share the wealth? How hard did he fight to keep what he thought was his? Don’t marry someone else’s cheap, mean ex-husband. He might be yours someday! In the case of my prenup, I wanted Lisa to represent me as my attorney, but she refused. She said that even if this was her area of expertise, which it wasn’t, she didn’t want such a big responsibility in case things went wrong. However, she did insist I get my own attorney, even though I didn’t think I needed one.
My advice is that if you believe in your relationship and you trust the guy you are going to marry, then don’t be afraid of a prenup. When presented with the contract, examine it from his point of view as well as yours to ask the all-important question: Is it fair? Fair is the criterion I use when negotiating any deal, business or personal. For example, the longer you are married, the more equity you should get. Do you really think you deserve half his wealth if you only stay married a few years and have no children together? Do you think you should never have to work again if you were only married for a few months or if you cheated on your spouse? It makes me crazy when I read about these high-profile divorce cases where the woman demands $60,000 a month in child support. Even I couldn’t spend that much. This works both ways—I read of men who go after their wives for outrageous sums in alimony, when they seem perfectly capable of making a living on their own. Remember that if you stay married until your spouse dies, the will supersedes the prenup. Make sure your estate planning is fair too, because if your marriage lasted and was a good one, you’ll want to spend your remaining years in comfort.■
“Five Minutes of Understanding”
Gloria uses this phrase with Sol to calm the waters, those churning, turbulent waters that threaten to overwhelm us. When things are really bad and it seems like communication has stopped, with each person stuck in his or her corner of the boxing ring nursing his or her wounds, Mom will speak up in a small voice. “Sol, can I have five minutes of understanding?” It usually does the trick. If somebody asked it of you, wouldn’t you listen?
Gloria’s Story
In the beginning of our marriage, every time we had a fight, Sol used to stop talking to me and treat me to a wall of silence. I had come from a very loud and fairly angry family, but at least we knew when one of us was angry with another. At first, I didn’t know how to react and was quite upset. As the years went on, however, I started to do the same thing to Sol that he did to me, which didn’t satisfy either one of us.
Now Sol gets very unhappy when I don’t respond. The five minutes of understanding allow us both to calm down and collect ourselves. We make up a little more quickly than we used to also. We are not as strong as we once were, and it is healthier to be happy. ■
ask yourself
1.
What words do you use to communicate that you need your spouse’s attention? Are they effective?
2.
How effective are you at asking your spouse for advice about something or telling your spouse something you know will upset him?
3.
Do you occasionally need those five minutes of understanding?
Stay or Go? The List of Pros and Cons ... and When It Really Is Time to Leave
The Jewish mother believes in marriage and believes in divorce. She may not like divorce, but she believes that in certain circumstances, divorce is desirable, even occasionally necessary. We do not need to go into the particulars; there are the obvious ones, like violence and drug abuse, and the not-so-obvious ones, like a relationship that has essentially been dead for years. No Jewish mother wants to see her kid suffer in a loveless life. Are you going to sit out your own life waiting for him or her to change? Forget it. Move on.
How do we know what your breaking point is? We don’t. Obviously there are many, many breaking points right now because more than one out of every two marriages today will end in divorce in this country. That is simply staggering, isn’t it?
BOOK: Secrets of a Jewish Mother: Real Advice, Real Family, Real Love
8.65Mb size Format: txt, pdf, ePub
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