I’m a Female Breadwinner! I Earn Much More Than My Husband – So What?

It is less and less uncommon to have a female head of household, and it works very well for many couples. However, these changing roles can bring new challenges for both sides of the relationship. I know this is true because I am a female breadwinner. In 2016, I earned nearly $1,000,000 from my business,…

Michelle Schroeder-Gardner

Last Updated: May 27, 2023

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It is less and less uncommon to have a female head of household, and it works very well for many couples. However, these changing roles can bring new challenges for both sides of the relationship.

Female breadwinners are on the rise and consist of a large percentage of relationships. However, being the breadwinner and a woman is still taboo. WHY?!I know this is true because I am a female breadwinner. In 2016, I earned nearly $1,000,000 from my business, and I am on track to earn even more 2017.

Even though I am the breadwinner, my husband takes on an equally important role in our relationship. He is responsible for the majority of the behind the scene duties that allow us to live a great life. He does help with the blog, but he is mainly in charge of us traveling full-time, cleaning, making our meals, managing the household, and more. He even makes sure that I am taking care of myself, especially making sure that I manage a good work-life balance.

We have a great relationship, and that’s because we make equal contributions to our relationship.

However, because I am a female breadwinner, it means that people often pass negative judgements on the both of us.

If our roles were reversed, it would be no big deal to have my husband as the sole breadwinner. Most would actually applaud him for his financial contribution and wouldn’t bat an eye at me taking on the role he plays in our relationship.

Our roles work really well for us, and there is nothing wrong with what is considered more traditional gender roles, as long as everyone is happy. Actually, more and more women are playing roles in their family’s financial well-being.

According to TheStreet, nearly 50% of women in the U.S. are the breadwinners in their family and around 66% of women are either primary or co-breadwinners.

This means that the number of female breadwinners is increasing, and I wouldn’t be surprised if females soon surpassed the number of men as the head of household.

Despite this growing trend, the thought of a female breadwinner still seems to confuse people and leads to crazy amounts of judgement.

The fact that I am the breadwinner comes up a lot, especially since we travel full-time as RVers. The average RVer is older than us, and they tend to have traditional gender views when it comes to the roles a husband and wife play.  And, it isn’t just RVers that have this viewpoint. I hear it a lot, from all sorts of people.

When people ask us what we do and find out that I am the breadwinner, they ask what Wes “does all day.” People even assume that I must be super bossy. But, it’s not like that at all. We both play equal roles when making decisions. We consult each other before making purchases, discuss where we’re going next, and talk openly about all of the big and little aspects of our life. Still, this confuses a lot of people.

Recently, I had someone email me to say that I was spelling my name incorrectly all over my blog – that I wrote Michelle instead of Michael. They actually apologized for thinking that only a man could have built the business that I built. This isn’t the first time either.

And, with my Forbes feature, How This 27-Year-Old Made $1 Million Last Year, many people thought the story was about a man who made $1,000,000. Many just assumed that only a man could be that successful and that I was a gold digger, despite that fact that it said my name several times within the feature.

There were many negative comments on the Forbes interview, like the following:

Female breadwinners are on the rise and consist of a large percentage of relationships. However, being the breadwinner and a woman is still taboo. WHY?!

Being a female business owner and a breadwinner can be a new thing to some people, but it shouldn’t be viewed in a negative way. Men AND women can each have their own success in life. And, no matter what the roles are, they are equally valuable.

Related:

Being a female breadwinner can bring new challenges to a relationship, but it can also be a very positive thing.

Whether you’re a female breadwinner or if you are on the other side of the relationship, here are my tips for making it work for you and your spouse.

 

Being a female breadwinner doesn’t mean that your husband is worth less.

In relationships with a female breadwinner, men often say they feel that they are worth less. Some men feel this way because they feel they aren’t providing for their family, but providing for your family isn’t just financial contributions. There are also men that are embarrassed for others to find out, there are some that say they feel less of  a “man,” and others even feel resentment towards their female counterpart.

I can’t say this enough, when both parties are happy and have an equal say in their relationship, it doesn’t matter who is the breadwinner. It’s about supporting one another and creating a life together.

As long as you are happy, then who cares who earns more?

 

Be proud of your roles.

Traditionally, it is thought that women are the ones who need to put their careers aside to take care of the household, raise the children 24/7, and more.

It causes a lot of negative judgement when the roles are reversed, and if you don’t believe me, check out these articles about female breadwinners:

Farnoosh Torabi, author of the book When She Makes More: 10 Rules for Breadwinning Women, conducted a survey of female breadwinners and found that these women reported less happiness in their relationship and even embarrassment.

Whether you are a female breadwinner, the partner of one, or in a relationship with a male breadwinner, you should be happy with the roles you play. It doesn’t matter who makes the most money or who earns less.

Sometimes women make more, and other times men make more.

This is 2017, and times are changing!

Whenever someone says something negative to you or your spouse about your roles, just ignore them. Everyone has an opinion, but it doesn’t mean that they are correct.

Only you and your spouse understand the situation that is right for your family, and what is right for you isn’t necessarily right for someone else.

Be proud of the roles you play and embrace them.

If you’d like to hear from a man who isn’t the sole breadwinner in his relationship, read How to Deal When Your Wife Makes More on Club Thrifty.

 

Regularly talk about money.

Regular money takes are always important, no matter the role you play. However, if your roles are changing, you may need to talk more about how these changes are affecting your relationship

Having open discussions about money is an important step for every relationship. It will help prevent any surprises, ensure that both people in the relationship are aware of what’s going on, and so on.

You and your partner should sit down and talk once a week, once a month, or whatever timeframe works best for the two of you. You may want to try out different lengths of time to see what does and doesn’t work.

By talking about money, both of you will feel more involved in financial decisions. This will make sure that both parties contribute to the household and feel as though they have an equal say in financial matters.

Learn more about regular budget meetings at Family Budget Meetings – Yes, You Need To Have Them.

 

Realize that times are changing.

It is becoming less and less common to have a male providing for the family and a woman who stays at home. While there is, of course, nothing wrong with a male breadwinner, times are changing.

The roles men and women play in their relationships have changed a lot in the past few decades. More and more women are becoming the breadwinner in their relationships.

Due to this, realize that you are not alone if your relationship does not fit what is considered traditional.

One day, relationships with a female breadwinner won’t be seen as “odd.” Until that happens, there are still many people like you who may be experiencing a similar situation!

Are you the breadwinner in your family? What do you think of changing roles and female breadwinners?


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Michelle Schroeder-Gardner

Author: Michelle Schroeder-Gardner

Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

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  1. Bridgette

    What malarkey that even in 2017 a smart, successful woman has to explain herself and almost defend her drive, success and income. I am sorry you had to deal with those comments and you are an inspiration. Proof of what a woman can do what she puts her mind to it.

  2. Alex`

    I think you and your husband are awesome for what you’re doing. It sounds like everyone who left negative comments is jealous of what you have. Love your blog and look up to what you do!

  3. Gwen @ Fiery Millennials

    The backlash against women who earn more is real. I’ve had a few relationships where it’s either caused issues or outright ended the relationship. They couldn’t handle me making more than them. I don’t know what they expected when I have a great job in IT and they’re a teacher or other important but lower paying profession. I guess they felt threatened by the fact I wasn’t dependent on them? I don’t know, but I’m not surprised at all on the reactions you’ve gotten. Keep your chin up and know that if it works for you and Wes, that’s all that matters at the end of the day.

  4. Ryan @ Just Another Dollar

    I think it’s sad when a guy feels inadequate if his spouse brings home the bacon. For me, I’ve only earned more than my partner for a handful of months out of our relationship when she’s changed jobs. Granted, it’s nowhere near as dramatic a difference as I’m working too, but the concept is the same. If you are truly working as a team in your relationship, both partners should cheer each other on. If Alyssa gets a raise, our family gets a raise, and the same goes for me. Congrats on being successful and do your best to ignore the sad haters.

  5. Owen @ PlanEasy

    Wow, those comments on the Forbes article are brutal.

    I hope for my daughters that this isn’t a thing when they enter the workforce. It’s sad that people could be upset by your success.

    I appreciate you putting yourself out there Michelle. It cant be easy to deal with that internet hate. I hope the positive comments outweigh the negative ones.

  6. Jason

    I can’t stand internet trolls. Many of them just post whatever. As long as you’re both happy, it shouldn’t matter who the breadwinner is.

  7. Izy Berry

    Wow Michelle, I can’t believe some of the terrible comments people made regarding you “spelling your name wrong” and being a gold digger. While I don’t think your blog is ultra-feminine, to me it’s completely obvious you’re the author and earner of the majority of your family’s income.

    I find this whole debate interesting as for now I am the main breadwinner in my relationship, we manage it fairly well but it does seem to be a little odd for my partner, especially as we’re living in a Latin culture.

    I think it’s really great you and your husband and have found such a great balance!

  8. Andrew Breidenbaugh

    Good article. I’m surprised so many people are still shocked. While my wife brought in an income, she made more than me. Now she’s a stay-at-home Mom so she works harder and longer than me. 🙂

  9. Carrie

    I am surprised and sad to hear you received so many negative comments about being the primary breadwinner. When I was a kid and teen in the 70s and 80s, many women aspired to being independent businesswomen and career women, so it felt natural to me to expect women to be treated equally in the business world. After all, many of my role models were wealthy independent women on TV shows like Dynasty and daytime soap operas! So of course why couldn’t I also aspire to greater wealth as well? Ha ha. I didn’t have any clue until several years after graduating college that a college degree did not equal instant riches! However I have done well for myself in regards to earnings and my life partner of 20 years has done ok too. Our salaries are comparable. He doesn’t seem to mind whenever I do make more money such as with bonuses. He is happy for me. Besides we share our earnings anyway. Whatever is my success is his success and vice versa. There is no competition between us in regards to financial earnings.

    It is cool to see younger couples also valuing equitable roles in their marriages and committed relationships. The not-so-good side of the affluent 80s is that it also produced shallow people who were very competitive in regards to money, and seemed to place greater value on power plays and manipulating people to get more money. There are younger people like that too but most likely they learned it from older generations. More often though I interact with people who are truly loving and caring people who value their families more than their money and possessions.

  10. Mike Spearing

    You are an inspiration to us all Michelle regardless of your gender. Please keep up the excellent work and I wish you both all the best for the future:-).

  11. Emenike Emmanuel

    Awesome one, Michelle. I love the question, “And so what?”

    Some ladies think because they are the breadwinner means they should disrespect their husbands. And that’s quite unfortunate.

    Respect for one’s husband should not be bent on who makes more money.

    Emenike

  12. joergmichael

    I would like to repeat the words before: “I think it’s more important that both of them are happy with their relationship.”
    And the most important thing in professional life is the knowledge, that the family and the loved ones stand behind you and are there, even if it is badly.
    It does not matter, who earns the most money from both. “Only the love counts”

  13. Mrs. Farmhouse Finance

    Well said! It really shouldn’t matter who earns more in a relationship, as long as both people contribute to the partnership. When my husband and I first lived together, I was making more and paid more of the bills. There were also times when I was taking classes and he was supporting me. As long as you’re a team, who really cares who is earning the paycheck.

  14. Kristie

    I have earned more than my husband for at least 17 years ago…10 years ago he quit his job to focus on our son. The assumptions others make about his “drive” etc absolutely ticks me off. They would never assume a female was lazy because she stayed at home. He says it doesn’t bother him…so I try not to let it bother me. We have a phenomenal relationship going on 25 years now. I wouldn’t trade our decision for anything. I do hope some day soon others start to get it.

  15. Yaz | The Wallet Moth

    It must be hard dealing with people who have ‘traditional’ views of money and relationships and view you negatively because of how successful you are.

    I hate the concept that money automatically equals power in a relationship, and that men are viewed as less masculine if they earn less money than their spouse. Relationships are about supporting each other, and I think it’s fantastic that you are in such a loving relationship that you can both enjoy your success.

    Your attitude is perfect – you’re a female breadwinner, you are FIRE at what you do, and that’s awesome.