Man secretly drains his 401k retirement account and takes credit card loan to upgrade his old truck, breaking is fiancée’s trust who calls off their engagement: ‘ [I] found the truck upgrade invoice. It's 22k. There's no way he had saved that much money’

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  • Bearded man in a plaid shirt sits on the open tailgate of a white pickup truck in a wooded area, smiling slightly
  • AIO for calling off the engagement?

    My (33F) fiance (38M) has a truck he really likes. It's a 2006 Ford that could use some upgrades.
  • A few months ago he had to take the truck in to the shop because something was making it not start.
  • Who knew a 3rd wheel could have four wheels?

    Man and woman sit on the ground holding cups in front of a white pickup truck in a wooded area, smiling at each other
  • The mechanic looked things over and talked to my fiance about some specific upgrade that would really help it.
  • (Sorry everyone I know practically nothing about cars and can't give any details). He said that specific upgrade would be about $8k.
  • Afterwards my fiance briefly talked with me and said that would be a purchase he wants to do in 2026.
  • Fast forward to last month, he suddenly takes his truck in to the mechanic and says he's doing the upgrades and he's really excited about it.
  • My fiance and I have been together six years, and we have an agreement that each January we sit down and look over our finances.
  • Man with a beard leans his arm out of the window of a white pickup truck parked among trees, looking ahead
  • Just to see total balances of all our accounts and check on how we're doing. We also have an agreement that we don't take out loans without consulting the other.
  • Because of this, I knew that in January 2025 he had less than 2,000 in his checking account.
  • But it being December 2025 with this truck stuff it's possible he could have saved up to that near 8k and paid for upgrades.
  • Totally possible, so I didn't ask how he paid the mechanic. Then yesterday I grabbed the mail and noticed a letter from his old 401k company addressed to him.
  • This certainly snagged my attention because that company has never mailed us anything. And I just had a sinking feeling in my stomach.
  • I logged in to his Gmail, and found the invoice for this truck upgrade. It's 22k.
  • There's no way he had saved that much money for this upgrade and I knew he either took out a loan without telling me or took out that retirement savings.
  • Turns out both. He depleted that retirement account, ate the early withdrawal penalty, and then put about 5k on his credit card.
  • That 401k had about 30k in it if I'm not mistaken. I got furious and called off our engagement.
  • The irony is if he would've just talked with me I would have paid that invoice for him, up front.
  • I have always viewed us as a team. When I confronted him about it he said he didn't want to put me in a position of paying for the truck upgrade.
  • He didn't want to put that on me. To me though, it broke my trust. It clearly showed that he viewed his old retirement account as only his, which means he probably views his current 401k as also only his.
  • I can't build my life. with someone who will just deplete a retirement account without talking to me.
  • He says I'm overreacting and that credit card debt isn't a loan - so he didn't break our promise.

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