DEAR DR. NERDLOVE: So my partner and I have been in a committed relationship for 10yrs, we moved out of state together in 2017, and we just bought a house together this year. I think we both agree on finances pretty much… except I make about 1/3rd of what he makes.

My income is a really big sore spot for me because I did everything “right” but still end up making barely enough to survive at a job I hate that I’m not qualified to do. Financially I don’t see a successful future for myself.

I’m able to afford the house because technically paying a mortgage is cheaper than rent, but with buying a new house came buying repairs and landscaping and everything else. My savings took a big hit and I haven’t added to them in years, (except for my 401K through my job). An easy fix for this would be just having a joint bank account, since we wouldn’t have to divide all the bills in half anymore and we could pool our savings.

Except I’d know that I was only contributing 1/3rd of what he makes. I feel uncomfortable just spending my own money on myself. He doesn’t pressure me about finances at all and we have similar opinions when it comes to money, but again I feel really uncomfortable with the idea of sharing finances when I make so little. Should I just get over it? And how? I feel worse when I think about quitting my job and trying to improve my situation, since it means I’ll be contributing even less on the off chance I’d eventually make slightly more. None of these feelings are from him, just from me living from paycheck to paycheck.

Junior Partner

DEAR JUNIOR PARTNER: This is one of those times where I’d have to ask whether this is an active issue in your relationship, JP, that’s actually causing problems… or if it’s just something that you‘re worried about.

Before I get deeper into this, I do want to say that having anxiety over income and income disparities is a legitimate worry. Money is probably one of the biggest sources of anxiety when it comes to dating and relationships; close to a third of relationships struggle because of money problems, often resulting in break ups or divorce. So it’s entirely understandable that your making so much less than your partner does would cause you some sleepless nights and legitimate anxiety.

But the fact that you’re worried doesn’t automatically translate to it being the incoming meteor that’s going to devastate your relationship.

The question of whether you should get over this or not all comes down to communication, communication and also communication. You’re spending a lot of emotional bandwidth getting spun up about something that may well not be a problem so much as borrowing trouble from a future that doesn’t exist (yet).

I think the most important factor to consider is: are you and your partner able to actually talk about your finances, openly and honestly, without hesitation or rancor? This is incredibly important; if you two aren’t talking about finances, then you run the risk of discovering that the two of you have been sitting on a ticking time-bomb. Not because of the disparity of income, mind you, but because you both may well be working from assumptions, mistaken beliefs and conflicting values, not actual facts. If you haven’t — and considering that you bought a house together, I really hope that’s not the case — talked about money, finances and income then it’s vital that you do so now. It’s important not just for practical reasons, but for emotional ones too. On the practical side, understanding who has how much, who earns how much and where that money gets spent and how is vital to future financial planning. On the emotional side, it helps make sure that you and your partner understand not just each other, but your relationship to money. Different people, especially from different classes or backgrounds, can have very different relationships to money. People who, for example, have grown up living paycheck to paycheck or struggling to make ends meet are going to view money very differently that someone who came from privilege. The person who grew up without often keeps that feeling of “this is all going to disappear until my next paycheck” because that’s how they’ve lived their lives. That directly affects the way they handle their finances; they’re less likely to save it or invest it because they’re going to need to use every single penny.  But to someone who grew up with financial security, that can seem wasteful.

Similarly, someone who has grown up seeing money as a scarce resource and has had to decide between paying for food or paying the bills may have very different views on how their partner — who grew up with privilege — spends their money on what may seem “frivolous” or “indulgent”. And that’s before we even get to differing definitions of what’s frivolous and what’s necessary.

Just as importantly though is making sure that you’re on the same page in terms of how to handle things and how everybody feels. Right now, you’re worried about not being able to contribute as much to a joint bank account or being able to contribute to the same level that your partner does. But how does he feel about things? He may well have accepted that, as the partner who makes more, he’s going to have to shoulder more of the financial load. After all, there’s a difference between splitting things equally and splitting things equitably. Splitting all the bills equally seems to make sense on the surface; you’d be paying the exact same amount. However, the fact that it’s equal doesn’t make it equitable; you may be paying the same amount, but what that amount represents is significantly different to you and to him. To somebody making $500,000 a year, paying $1,000 a month is a relatively negligible amount. To somebody making $25,000 a year, that’s nearly half their income. Asking you to contribute the same amount he does may be equal… but it sure as s--t wouldn’t be fair.

If you haven’t talked with him about how you’ve been feeling and the worries you’ve had about not contributing the way he can… well, that’s got to be your first step. The sooner you two can talk this out, the sooner you can get on the same page and, in the process, ease your worries about how much you can put into the family coffers.

However, you should also talk to him about wanting to change jobs and what that might mean in the short term. One of the reasons why we can get anxious over situations like the one you’ve found yourself in is because of the uncertainty. Humans don’t do well with uncertainty; when there’re too many unknowns or variables, we get deeply uncomfortable. But the cure for that is knowledge and having a plan. Talking to your husband about wanting to switch jobs will not only get the two of you on the same page, but it will also mean that you can come up with a plan for the interim between leaving your old job (that you hate and makes you miserable) to a new one (that you will hopefully enjoy and provide more financial security). Having a plan in place, knowing what you’ll do in that transitory period, is the cure for anxiety.

I would also suggest that you and he see about finding a financial counselor who specializes in family financial planning. Having a trained third party involved in the conversations can help go a long way towards not only easing your anxiety, but coming up with equitable solutions for dealing with your household finances and how to handle your making the jump to bigger and better things.

But more than anything else: talk to your partner. I think you’ll discover that not only do you have nothing to worry about, but that he understands completely and that he is entirely in your corner.

Good luck.

Please send your questions to Dr. NerdLove at his website (www.doctornerdlove.com/contact); or to his email, doc@doctornerdlove.com

DEAR DR. NERDLOVE: To start with thanks for all the work you do, the advice you give is always appreciated!

I would love to get your thoughts on something that’s been bothering me for awhile. I was a virgin through most of my 20’s, until I was in a long term relationship with a great woman. To my surprise, I actually ended up not only enjoying sex a lot, but also found out that I was pretty good at it. Throughout our relationship we had frequent, incredible, mutually satisfying sex. That relationship ended, and since then, every time I’ve been intimate with a woman it hasn’t gone well. I can tell they weren’t enjoying themselves as much, and to be honest, I wasn’t either. I don’t know if it’s that I’m dating the wrong people. I’ve found them all attractive and I felt like I had good chemistry and a good relationship with all them prior to getting into bed. Once we’re there, it wasn’t quite the same. It’s been ok for me, but never something that excited me to the level of that long term girlfriend, and I haven’t had an orgasm with any partner since her. I’m guessing my issues are more psychological than physical. I’m willing to say that it could just require more time to get comfortable and figure out what each other likes, but so far no one I’ve dated has been willing to stick around long enough to keep trying. Some of the women I’ve dated have even told me that because I couldn’t orgasm, it felt like I didn’t find them attractive. I will admit, it could just be nerves. I do have an anxiety disorder which can get in the way sometimes.

The thing in the back of my mind though is that prior to that long term relationship I often wondered if there was a chance I was somewhere on the asexual spectrum. I had a few relationships prior to that girlfriend. None of them lasted more than a few months, and were at best ok. I was definitely attracted to women, and curious about sex as part of a romantic relationship, but it wasn’t something I was actively seeking out. When I was with that long term girlfriend though, I craved sex with her pretty much non stop. Everyone I’ve dated for any length of time since then I thought I wanted to have sex with too, but maybe I was just trying to convince myself that’s what I wanted. I don’t think I’m a-romantic. I go on lots of dates, and generally have a good time. I’d say though that I only end up being attracted to someone maybe once a year, and never to the level of heart pounding excitement I had in that long term relationship. Those experiences have made me wonder again if I actually am on the asexual spectrum, and that woman was just an exception. Since that one relationship though, I now know what I’m missing out on, and I really want to have that kind of intimate relationship with someone again. I would appreciate any insight or tips for what I can do going forward.

Thank you!

Fear of Missing Orgasms

DEAR FEAR OF MISSING ORGASMS: There’re a few possibilities going on here FOMO, and it may be worth chasing the possible causes down, starting with physical causes and working from there. You mention that you have an anxiety disorder; if you’re taking medication to help treat that disorder, then that could actually be at least part of the issue. SSRIs — which are frequently prescribed as anti-anxiety medication — can make it almost impossible to get off, no matter how much you may want to. If you’re taking something like Prozac, Lexapro or Zoloft, you may want to talk to your doctor or psychiatrist about switching to another medication that doesn’t have the same sexual side-effects.

However, you say that you suspect that this is a psychological issue, rather than physical. If you’re able to have orgasms on your own, that would suggest that it’s more mental than chemical. This is why I suspect that, at the end of the day, the issue is the relationships you had with those women rather than something inherent with you.

One of the things that people often don’t realize about great sex — and, incidentally, why women aren’t always down for casual hook-ups — is that it’s as much about comfort and communication as it is about mutual chemistry or knowing how to do the Transylvania Twist or the swirlie-go-round. A lot of the time, that level of comfort and willingness to be open about what you really want in bed doesn’t come until after the relationship has been well established and everybody feels secure enough to be vulnerable with their partner. It’s somewhat ironic, because that period of the relationship tends to come after the honeymoon period, which is the part of the relationship that tends to be the most romanticized. The thing is: the thrill of the New Relationship Energy and the sudden surge of oxytocin that comes with a new partner make it seem like you don’t need to talk things through. The rush of getting high off each other can paper over a lot of issues that may not come up until after that “gotta bang on every flat surface that’ll support our weight” feeling starts to ebb. Once the newness has faded and your brains aren’t kicking out as much oxytocin every time you have sex, you start to realize that you may need more than standard-issue f--kin’.

That’s one reason I think that it’s significant that the most sexually satisfying relationship you had was not just your first sexual relationship, but also your longest-term relationship. Your relationships before her were short term, and not terribly great. You and your girlfriend, on  the other hand had that time to get comfortable with each other, to get to know each other’s bodies, wants and desires and didn’t just rely on sheer excitement to do the heavy lifting for you. Meanwhile, the women you’ve been with since — when you knew you were sexual and, in fact, enjoyed sex — didn’t stick around long enough for you to get there. You weren’t as comfortable or relaxed with them as you were with your first serious girlfriend.

And it certainly didn’t help your anxiety disorder that some of your partners told you that you were making them feel unattractive because you didn’t get off. That’s the sort of thing that’s going to draw a big, glaring line under something you’re already self-conscious about and hey, wouldn’t you know it? Suddenly you’re having an even harder time getting off.

Now to be absolutely clear: that doesn’t mean that the women you were dating after your first girlfriend were bad people, or that you were doing something wrong. It’s just that you and they were fundamentally incompatible. You and they had different needs and those needs were in conflict with one another, and that’s fine. There was no good guy or bad guy, there were just two people whose gears didn’t mesh the way they needed to.

You say that your problem seems likely to be psychological rather than physiological; Something you mention does leap out at me: you only find yourself being attracted to someone about once a year, and not to the level that you were with your first sexual partner. That could mean that you’re just not meeting the right people — certainly possible, likely even — or that you may be what’s known as demisexual: that is, your sexual orientation is such that you don’t become sexually attracted to somebody without a significant emotional connection to them. That would go a long way to explaining the issues you’ve had since your first partner; you weren’t in those relationships long enough to really form the connection to get your motor humming. It may well be worth your time to check out the Asexuality Visibility and Education Network’s FAQs at asexuality.org and see if any of that resonates with your experiences.

But while having a label can be helpful, I think what would be just as helpful is to accept that you take time to warm up to folks and it takes you time before you really catch a groove sexually. That doesn’t mean that you can’t have sex or that you aren’t attracted to your partners; it just means it takes you a little while before you start getting off. You may also want to try getting creative about what your definitions of “sex” entails. If you can get off reliably when you’re on your own, then it might be worth seeing if your partners are willing to give you a helping hand — as it were — while you masturbate. And as a general rule, having a wider and more inclusive definition of sex beyond standard-issue penetration means that you both have more options for intimacy and orgasms, especially if it takes you a while to get there with partnered sex.

If you’re cool with not necessarily having orgasms during partnered sex (at first) and have no problem providing them for your partner, then it just becomes an issue of making sure you find people who are right for you and who, critically, understand you and what makes you tick. That might mean that you may have longer stretches between long-term relationships than you’d like… but it also means that the relationships you do have would be the ones you want and enjoy.

Good luck.

Please send your questions to Dr. NerdLove at his website (www.doctornerdlove.com/contact); or to his email, doc@doctornerdlove.com

DEAR DR. NERDLOVE: I’m sure you get messages like this all the time, but I’m at a point where I feel like nothing will get better for me. I’ve always felt like a social reject, although I don’t struggle with socializing or making friends, I do struggle with relationships & sex. I’ve always had low self-esteem and a firm belief that I was unworthy, and too ugly for intimacy. I was made fun of for being an introvert, soft-spoken and also my ethnicity. This caused me to lack confidence growing up. I had hoped to deal with all this by the time high school ended, but things just got worse. My college experience was mentally depleting too, I went to parties, but never had sex. At this point, I knew I was abnormal. It kind of confirmed my worst fears that I’m undesirable, and nothing would change. I’m not particularly hot, but I have always had a muscular build (played rugby), and I assumed that I’d eventually stumble into something. Maybe I took rom-coms too seriously, I don’t know.

I did have a relationship at 26, going on 27. I had some performance anxiety issues, and felt so humiliated. My partner was supportive, but I still felt emasculated, like a failure. I was able to please her consistently, and make her cum through fingering and oral. Although I was hard at times, I just was too nervous for intercourse. I still feel like a “virgin,” and beat myself up for not being better. Notably, this woman had some trauma from sexual assault, so intimacy was difficult. She was kind of stiff and uncommunicative in bed, and I am glad that I was able to give her pleasure. I experienced a genuine connection with her, but am deeply dissatisfied. Part of me fears I’ll be a punchline with her friends and future partners (“limp dick loser” etc..).

The relationship ended because she felt I was too distant (in terms of location and mentally). My first meaningful relationship with a woman ended without intercourse, which is something I dwell on everyday. To clarify, she never made fun of me, and said affirmative things about me I’d thought I would never hear. Sex is a two-way street, and she had clearly been through a lot. I’m glad I could provide her some comfort, but I did not enjoy myself. I’m rambling, but I don’t struggle to get an erection, I just rarely feel that desire/arousal anymore.

Ultimately, I feel deflated at starting so late, like an inept idiot. I don’t feel like a real man. I’m now 29, and going to be 30 this coming March. I feel like I’ve wasted my youth and my 20s, which is difficult to come to terms with. If I was not deemed attractive in my so-called prime, how will things ever get better? In real life, I’ve been on many dates, get lots of matches on apps, and even hit on at bars. These occurrences do nothing to improve my mental state or outlook. I still feel like there’s a massive gulf in experience with other men. I do struggle with initiating or expressing interest in someone, because I still think I’m an ugly nerd. I’m just exhausted about feeling so invisible.

I really don’t know what to do. I feel like I’ve missed out on so much. I am on anti-depressants (SSRIs) and have lost my sex drive. To me it’s not about pleasure anymore, just a source of insecurity and inadequacy. I don’t like thinking about sex, because it makes me feel inferior. I feel like I cannot recover from this, and am always bitter, and resentful of others. It seems so much easier for most men. I had the tools to succeed. Had the ability to be a good partner, I know I can please a woman, but I feel like a lost cause.

SSRIs have brought some stability to my life. I have been suicidal, and lost close friends and family members during my 20s (untimely deaths). I just feel like a bundle of grief and regret on certain days.

I’m not sure what I’m asking here… I want to get better and have the attributes to be a decent catch or boyfriend. Things just never added up for me. I don’t know how to shed this negative self-image. This quarantine period (stuck in a small town where I don’t know anyone) has been very, very trying for me. I imagine it’s the same for many others.

Thanks for all you do,

Hopelessly Adrift

DEAR HOPELESSLY ADRIFT: First and foremost HA: there is absolutely nothing wrong with having not had sex or having been a virgin slightly older than the average. I mean, even just counting the number of letters I receive from people just like you and clients I’ve worked with who have been older  than the national average, you are emphatically not unique or even uncommon. Lots and lots of people didn’t have sex or relationships until their 20s, even 30s and 40s. That’s not “abnormal”, my dude. That’s just that you’re someone who is a little shy and soft-spoken and who was apparently surrounded by assholes.

The biggest problem you have is that you’ve taken bulls--t ideas about “what it means to be a man” and internalized them to the point that you can’t bring yourself to take the wins when you have them. Take, for example, your first partner. Not only was she caring and supportive, but you were able to please her, sexually. But the toxic idea of what a “man” is has convinced you that since you didn’t do it just with your penis, it doesn’t “count” somehow and you believe that she’s going to mock you for having only pleased her with your hands and mouth. Which is, again, for the cheap seats, bulls--t.

(Also, just to be clear: that’s how the majority of women reach orgasm during partnered sex. Most women don’t achieve orgasm through penetration alone; they need clitoral stimulation that’s most easily and efficiently achieved through oral sex or manual masturbation.)

You had sex, my dude. If you weren’t 100% hard during penetration or you lost your erection? You still had sex. Even if you didn’t have penetration at all, you still had sex. Virginity is a f--king construct my dude; it’s not a quantum state that’s only changed by getting a diamond hard P into someone else’s V. Otherwise there’d be a whole lot of folks who have a metric f--kton of sex who’d be virgins for life.

Just as importantly: you haven’t wasted s--t. Hey, you didn’t party like movies tell you you’re supposed to in your 20s… big fat hairy deal. That doesn’t mean your 20s were wasted, it just means you didn’t party or f--k around. That’s all. You were doing a bunch of other things that are just as valid, just as real and just as legitimate. Did you learn about yourself? Did you grow and improve? Did you try new things, have new experiences? Congratulations, you didn’t waste your 20s.

And like the sage once said:

You young boys gotta chill

30’s the new 20, —— 

I’m so hot still

Let me reassure you: the only people who give a six-legged rat’s ass about how much “experience” you had are a) asshole dudes and b) you. Women, on the whole, don’t give a damn about your sexual resume. The women who are going to date you and sleep with you aren’t dating your number, they’re dating the whole you. The only reason why this would be a problem would be if you pre-reject yourself or — worse — insist that a woman doesn’t like you even as she’s insisting that she clearly does.

Plus: as someone who did a lot of unlearning and re-learning in my late 20s and early 30s, I can tell you from personal experience: my 30s were way better than my 20s would’ve been, if only because I had more life experience and better credit.

And by the way: a big reason why you’ve lost your sex-drive is because you’re on SSRIs. Trust me, been there, done that. It’s a known side-effect of a lot of anti-anxiety meds and antidepressants.

Now what should you do? Well, this is a time when you talk to a therapist and work on these issues. Clearly you’ve talked to someone to get on the meds… if they’re not helping you, then it’s time to find a different therapist. I highly recommend checking the American Association of Sexual Educators, Counselors and Therapists’ referral directory to find a sex-positive therapist near you who’ll help you work through those issues. And, incidentally, there are other antidepressants and anti-anxiety meds that will help you without killing your libido dead.

Just as importantly: work on getting to know some of the folks around you. Yeah, the pandemic makes it difficult, but I’m willing to bet that there’re MeetUps and other organized events that’ve moved to Zoom and other apps. Now’s a good time to start making connections in your area; not for dating, but simply so that you have more friends; having a social circle and support network is important, both for your mental and emotional health but also just for your overall well being. Meet some awesome people, make some cool friends and you’ll realize just how much you’ve been beating yourself up for no good goddamn reason. And the better you start to feel about yourself, the easier it will be for you to start meeting some awesome women who are dying to meet a guy just like you.

You’re in a tough place man, I get it. But trust me: those feels aren’t reals. It’s just toxic masculinity f--king with you. You’ve got far more to offer and far more going on than you realize. The more you’re able to dig out the bulls--t you’ve internalized, the happier you will be. And it will all go much faster than you realize.

You’re ok. I promise.

All will be well.

Please send your questions to Dr. NerdLove at his website (www.doctornerdlove.com/contact); or to his email, doc@doctornerdlove.com