Money is the topic most couples argue about. According to a 2022 YouGov poll, 28% of Americans in serious relationships have disagreements about money. Whether it’s about how to save it, spend it, or distribute it between spouses, disagreeing about finances can do some real damage to relationships.
This couple disagreed about their car. The wife felt that the husband should chip in for its mechanical bills since he uses it regularly too. Yet he thought that was unfair, as it was technically his wife’s car. Unsure about what to do, the woman decided to ask for advice online on how to solve this issue.
To learn more about how the couple could solve this conflict, Bored Panda reached out to financial therapist and consumer psychologist Jaelyn Vickery, LSW. She kindly agreed to tell us why, for the wife, the car symbolizes more than just a vehicle. Vickery also spoke about how couples can make splitting costs a joint investment rather than a transaction. Read her expert insights about this story below!
More info: Jaelyn Vickery, LSW | Financial Finesse podcast | Disordered Consumption
Husband and wife disagreed on paying their car’s mechanical bills 50/50
Image credits: Prostock-studio (not the actual photo)
The husband argued that since it’s technically his wife’s car, paying half would be unfair to him
Image credits: Hoverstock (not the actual photo)
Image credits: Even_Big3694
“The disconnect isn’t about the car—it’s about their deeper money narratives,” financial therapist and consumer psychologist Jaelyn Vickery, LSW, tells Bored Panda
According to Vickery, this argument between the couple isn’t just about the vehicle. The ways in which we define ownership and financial fairness in relationships also play a part here. “Money isn’t just about numbers,” Vickery explains. “It carries meaning tied to our sense of independence, security, and past experiences.”
At the heart of the couple’s argument is not the car at all. According to Vickery, it’s about their deeper money narratives. “Before marriage, we’re often in a phase of heavy growth and self-discovery,” she says.
“The financial decisions we make during this time—like buying a car, securing our first apartment, or saving up for a major goal—become milestones in our personal journey. When we enter a long-term relationship, those milestones can either feel like a shared foundation or like something we’re being asked to compromise.”
So, the wife views the car as one of her major financial investments. She views it as more valuable because she worked toward it independently in early adulthood. If she were to start calling the car “theirs,” it would mean its withdrawal from her sense of self. On the other hand, the husband’s stance is also understandable. He doesn’t feel like contributing to the expenses of a car that was never his decision in the first place.
So, how can couples decide what’s “mine” and what’s “ours” when only one person technically owns it? Vickery says that the couple needs to ask each other a key question. For the wife, that would be: “What does financial fairness look like to you, and how can we make sure we both feel respected in this shared expense?”
And the husband, in his own right, should ask his wife: “What does this car represent to you beyond just transportation, and how can we make adjustments without you feeling like you’re losing something important?”
Image credits: Oliur (not the actual photo)
Instead of thinking “Who owes what?” the couple needs to shift their thinking to “How can we both feel valued and secure in this shared expense?”
The couple’s first mistake was that they didn’t redefine the car’s role after the husband sold his. “If it’s a shared necessity, it should be treated as such—but that requires more than just financial adjustments,” Vickery notes.
Both the wife and the husband would need to challenge their limiting beliefs. The husband should come to terms with the fact that contributing to the car is an act of responsibility, not generosity.
For the wife, it’s important to understand that just because the car will be “theirs” does not mean her hard work doesn’t matter. “Both need to create space to understand each other’s perspectives, rather than simply defending their own,” the financial therapist explains.
“A true win-win comes from shifting the conversation from ‘Who owes what?’ to ‘How can we both feel valued and secure in this shared expense?’ Otherwise, splitting costs will always feel like a transaction rather than a joint investment in their lifestyle,” Vickery points out.
She says that sharing costs proportionally can also be tricky. “Are they based on income, usage, or necessity? Does tracking these details create clarity or resentment? If the car is seen as a shared asset but still carries an underlying ‘lender/borrower’ dynamic, it can lead to frustration. The key is not just how they split the costs but how they mentally and emotionally frame their financial teamwork.”
“At the end of the day, financial teamwork isn’t just about making numbers match—it’s about aligning expectations and understanding how financial decisions impact each person’s sense of identity and security,” the financial therapist adds.
Image credits: Milles Studio (not the actual photo)
The wife clarified that the couple doesn’t disagree on other money issues and all other expenses are joint
Some people sided with the wife, saying it was unfair for the husband to expect free rides
Other netizens blamed the wife for saying it’s “her” car or pointed out that the couple is being “weird with money”
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