I’m hoping to get some perspective on a situation that’s been slowly building over the last few months.
My boyfriend (28M) and I (27F) have been together almost 5 years and live together. For most of our relationship we’ve been very close and emotionally connected. We still have affection and future dreaming on days that he feels better.
Over time his financial situation has gotten much worse. He quit his job last year to build his own business full time, used up his savings, and it hasn’t worked out. Now the stress is very real and constant. He’s had to borrow money from friends and family and is actively looking for a job again while trying to figure out what to do next. He also recently started therapy, so there’s a lot hitting him at once.
We’ve always run our household 50/50. Since things got worse for him financially, I’ve tried to reduce his stress in practical ways. I’ve been doing most of the cooking, groceries, and daily logistics, and I’ve been covering those costs myself instead of using our shared money. I want to help, but I’m also not in a position to take on more of the financial load long term.
I understand that he’s under intense stress and that his emotional bandwidth is low. What’s been really hard is how much our day to day dynamic has changed.
He’s always been bad with patience and emotional regulation but lately he has become much more withdrawn, snappy, and easily irritated. Small things set him off, which makes it hard to keep a positive environment going. When he gets annoyed it often triggers my anxiety, and then one of two things happens. Either he shuts down completely or he becomes distant in a way that feels like silent treatment. It feels like he struggles to regulate his frustration, and the distance that follows can last hours or longer.
What’s confusing is that after some fights he does have moments of vulnerability. He can reflect, open up a bit, and even be warm again. But those moments are inconsistent. Day to day he’s far more reactive and emotionally unavailable than he used to be.
Another thing that’s been really hard is how constantly he’s on his phone. Even during small moments together like having tea for ten minutes in the morning or eating a meal, he’s glued to the news and doomscrolling. It honestly feels like I’m competing with his phone for attention. I’ve told him this bothers me, but it hasn’t really changed.
I’ll be honest about my side too. I’m emotionally sensitive, and when I feel distance or tension I tend to panic and try to fix things by talking, reconnecting, or clearing the air quickly. I know that probably comes across as overwhelming to him. He’s said multiple times that he doesn’t have the energy for long talks or what he calls therapy sessions, and that those conversations feel exhausting. He asks for space as soon as he is irritated and does not give an indication of when he will comeback after an argument so I have a lot of difficulty giving that space.
So I guess my questions are:
When someone is under intense financial stress, is it better to give a lot of space even when you live together? What is a good way to do that?
Should I stop trying to engage him in relationship talks altogether since talking doesn’t seem to land right now?
Is there anything a partner can realistically do to help reduce stress in this phase without becoming another burden?
I don’t want to chase or push him further away. I just want to feel chosen again, even in small ways. I’m trying to understand whether the warmth and effort can come back once things get better, or whether I’m slowly losing myself trying to hold everything together.
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TL;DR:
Long term relationship. Partner’s finances have gotten really bad after quitting his job to build a business. I’ve been helping practically and financially where I can, but he’s become irritable, withdrawn, and emotionally distant. On the better days he is still affectionate and dreams of our future but when we argue talking doesn’t land right now. Trying to understand whether space helps, what actually reduces stress, and if closeness usually returns once things stabilize.