August 30, 2014 at 1:00 am

Dear Abby: Jeanne Phillips

Shared finances are ties that bind son, mom

Dear Abby: Im a 22-year-old college student. My boyfriend of seven years and I are engaged. Because we were high school sweethearts, we have watched each other grow into the people we are today.

For the most part, Im very proud of the person he has become. When I quit my full-time job to continue my education, he stepped up to support me. I never asked for it, nor did I expect it from him.

Liam is very frugal. (Cheap might be a better word.) I never understood it because he makes enough money to support us both and put plenty into savings. However, I recently learned that every payday, his mother calls, and he goes to her house and gives her money.

It wouldnt bother me if she was ill, unemployed, etc., but shes well-off and earns a good living.

Abby, what concerns me is that while Liam is 24 years old, he has a shared bank account with his mother. She seems to call him only on payday, EVERY payday, without fail. She also seems to have more control of his spending than he does. He wont pay his bills without first consulting her. She was very clear when she told him he had spent too much on my engagement ring.

I dont want to come between Liam and his mother, but Im not sure I can marry them both. Its not that I want his money, but after were married, I feel the husband and wife should share bank accounts and bills, not my husband and his mother.

Do I have a right to be concerned with this matter?

Frugal Fiancee in Florida

Dear Fiancee: You and Liam need to have a frank talk about money. There may be a reasonable explanation why he gives his mother money every payday. (She may invest it for him.) But youll never know if you dont ask. While Mama may not have been overjoyed at the amount her son spent on your engagement ring, it appears she did approve his chipping in for your education, so shes not what Id call a miser.

That said, I cannot stress enough how important it is for you and Liam to be on the same page when it comes to finances and how decisions will be made after your marriage. Premarital counseling covers subjects like this because marriages have been known to fail when couples disagree about money.

Dear Abby: My husband has a low-paying job and I am trying to see that he gets a better one, but each step I take he regards as pestering him. This has driven us apart from each other. It really hurts me because we are now like strangers living together. What do I do?

Sad Wife in Abuja, Nigeria

Dear Sad Wife: Change tactics. What you consider helpful encouragement may be regarded by your husband as constant nagging about a sore subject. Tell him you love him, didnt mean to pressure him and if you see some ads seeking men with his skills that offer a higher salary, let him know about them. Thats what I would do.

Contact Dear Abby at DearAbby.com or P.O. Box 69440, Los Angeles, CA 90069.