I consider myself quite frugal and with this I have what I think is a good savings rate and I've starting investing quite aggressively. I'm in my early 20's and because of this I've really had to keep this quiet.
I know the issue of not being able to tell people about ERE has been talked about before and the issue of savings and investing usually ends in keeping it to yourself and this is where my problem is.
I know that most of my family and friends would consider ERE to be insane, because of this I have never mentioned it around them. One of my friends is into investing so I can discuss some ideas around him but when they closer to ERE he starts to take the age old "that's unrealistic" approach. This doesn't really bother me as I know ERE generally comes with the mandatory silence unless people don't mind being looked at like an alien. (slight hyperbole)
As in most countries, Ireland is very tight lipped about personal finance and nobody really brings up their finances so in most cases I don't have a problem.
Keeping quiet about havings savings and investments doesn't bother me. Most people my age assume I'm just broke the whole time. I usually pass off things I don't want to spend on with the line, I can't afford it, which is great in your early 20's because so many other people are broke it's completely socially acceptable.
I may have been rambling a bit so I'll get to the point of the Op. My girlfriend is the exact opposite of me. I love the girl to bits but she is the ultimate consumer. She's owes more money on her car loan than the car is worth and she constantly wants to do X expensive activity or buy Y shiny piece of jewellery, even though she definitely cannot afford it.
I have very mildly tried to suggest some ideas on sorting her finances before and have consistently been brushed off. I have tried a few times to explain that I just happened to be reading about this interesting idea called FI or how this person retired early by doing this, and every time she just brushes it off as being a pipe dream.
I have told her about the savings I have but every time I save past a certain number I invest most of it. I've never brought up where my savings disappear to and she just assumes I've spent it because thats her nature. Whenever she hears about my savings it's never very impressive so I don't get a questioning. On the other hand I know she is completely anti-investing as she always calls people idiots for investing since she's heard of so many people getting burned in the last few years. While at the moment it has been alright for me simply not telling her what I'm up to I feel dishonest for not telling her and I know eventually I will have to let her in on my plans.
I am a bit stumped with the route to take. I've tried the softly softly approach and its getting me nowhere. I don't know how to be a bit more forward with it.
I can see myself possibly marrying my SO in the future but our differences of opinion when it comes to finances could create a problem. If anyone has any suggestions, I'm all ears.
I really don't have a clue what to do.