Why not “Gütertrennung” and a testament, problem solved if there’s a divorce or worst case “death”.
No, your BTC remains “Eigengut”, including capital gains. Only “Erträge” (Interest, Dividends etc.) become “Errungenschaft”.
Ah ok. I still don’t get what happened with my divorced friends, but it might be the costs they must pay for the kids…
Ja, sicher… Lesezeit 2 hours for me ahah.
What about me selling the BTC and then buying new ones? Same for Stocks… isn’t the cash generated by the sale automatically “Errungenschaft”?
This is called “Ersatzanschaffung” and it still stays “Eigengut”. In this example, the husband bought a car for 20k before marriage, it is therefore “Eigengut”. During the marriage he sells it for 20k and buys a new one for 19k. The new car and the remaining 1k cash are still “Eigengut”.
But aside from spliting your wealth, depending on your circumstances you might owe quite a lot of “Unterhalt” (“Nachehelicher Unterhalt”, “Betreuungsunterhalt”, “Barunterhalt”) for a long time.
Note that I’m by no means a lawyer, I just read a bit about the topic recently
This one gets it! The one time split is one thing (and quite fair as far as I’m concerned), but if you have significantly more money than your partner after that split, it won’t end there!
And coming from the other thread about the rare mandatory family support (Verwandtenunterstützungspflicht), this kind of spousal support does happen very frequently with very significant amounts and for potentially years to come.
and totally unmustachian (or fair, that is…)
As far as I can tell, this only matters if the difference in income is significant before the divorce.
It’s still pretty common to have only one spouse work.
I agree with you.
One of the reason is mainly that the swiss tax systems “punishes” married couples with similar income with higher taxes.
Because of that, the non-working part is not rewarded to start working again (let’s say after a pause with small children) because the additional income would cover childcare costs and additional taxes but there would be no additional available income.
Dear friends, I am with my girlfriend since 7 years now (all time in CH) and we are having a kid soon. We are not married and that’s not important for us, so we dont plan to be married in the short-middle term.
I have some questions I hope you can help me to answer I would like to do things right with her so in case we split in the future we both avoid any issue, specially with a kid in the middle:
1- For the fact of having a kid and not being married. Do the government make a distintion in our taxes? Does it change anything? Shall we deduct cost for the kids 50%/50%?
2- We are discussing if we put all the salaries in one shared account or we transfer every month proportionally the same % to cover expenses + savings. What’s your view? would it be the same in the eyes of the law if we later on split? I prefer to keep things separated to have some freedom on my financial decissions. Your thoughts are appreciated.
3- How would a Mustachian address this topic efficiently?
Please consider all your answers with the idea to make things right and equally fair for men and women.
If you later split, it won’t be fair anyway, if you do not agree on children’s costs, and maybe even if you agree.
I don’t know why people who pursue FIRE get even married at all. Divorce is probably the highest risk factor of your portfolio.
Is FIRE supposed to be the ultimate goal in one’s life ?
How much does your girlfriend earn - in relation to you?
That is a factor yeah.
Seems very reasonable (FIRE-wise) for her to marry you then, doesn’t it?
Newbie, getting married can be one of the fastest path to FIRE
To be fair though, he did leverage his relationship to live in his girlfriend’s father’s apartment very cheaply.
You can be together without mariage?