Im 50 years old now, and I feel like Im raising another child.

I do everything: cook, clean, house repairs, while also raising my 5-year-old granddaughter.

My husband makes very little money and is hardly able to come up with his share of rent.

A man lifts his legs up so his wife can vacuum underneath him.

I love him very much, and he is very loving!

Im just not sure how much more I can handle.

How can I ever get ahead?

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-Broke Old Lady

Dear Broke (Not-That-Old) Lady,

Maybe your husband is pleasant.

Tell your husband the following: I love you very much, but Im at my breaking point.

I cant keep up with three jobs and all of the household chores on top of childcare.

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Im so stressed abouthaving zero savings.

I cant do any more.

What can you do to take some of the pressure off of me?

Im not expecting your husband to be brimming with ideas off the bat.

Because as things stand right now, his solution to every single problem is you.

Pay close attention to how he responds when you put this out there.

Does he at least acknowledge that its a problem that youre stressed to the brink?

Or does he insist that theres no problem and hes working as hard as he can?

You brew coffee at home, you dont walk into Target and you refuse to order avocado toast.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…

Try volunteering your husband for some tasks.

When something breaks, dont jump up to fix it.

Tell him you dont have time to cook, so hes in charge of dinner.

Let him experience discomfort.

Getting on the same page in terms of work andbudgetingis going to be the harder part.

Even when you love a person, sometimes your respective work ethics and priorities are completely out of whack.

Ask your husband to go over how much youre each contributing and spending together.

Try making the case for rebuilding your savings.

If you might get your husband on board with replenishing your savings, thats a good starting point.

But he has to be the one to step it up, and you should probably make that clear.

You have no more time and energy to give.

Even if your husband doesnt have any specialized skills, opportunities forside gigsand part-time jobs abound right now.

Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder.

Send your tricky money questions to[email protected].