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but her parents are literally forcing her to move back to South Carolina.
This part bothers me the most, and it's not consistent with what you say later (more on that in a bit). Out of the LTRs I've had, one had parents who weren't quite overbearing, but more involved than I liked. I love it when a woman is close to her family, but there is a limit, and this, to me, exceeds it.
It also doesn't sound like you all were working towards anything together. I get it. You were young when you started dating then all of a sudden four years had passed. If you weren't looking to marry her soon, then when were you considering it? Another year or two? A man who's ready to make that leap and start a family knows by at least year two. Graft mentions old school marriages above, but nothing about this situation sounds like an old school marriage. It sounds more like a modern day high school sweetheart situation where they grew comfortable but weren't really looking toward the future, just merely floating along within their comfort zone.
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Her debt is not entirely from the accident, she got a house with 2 other girls who come to find out are just low lives that don't pay rent, she works crazy hours at work and pays for majority of the bills. She also covers the other two girls rent when they don't have the money yet. Now her car is totaled, she's in a really shitty situation and is stressed as hell over everything. This, and given the fact she's only 20 years old I don't blame her for wanting to run back to Mom and Dad who she hasn't seen in almost two years. I've never given her any money to pay off debt, but I do what I can to make her life less stressful (take her out, fuck her like a porn star, workout together, ect. ect.) She keeps telling me how much she wants to make this work between us, and she's done so much already. Feelsbadman
The bold part is what I found inconsistent. Is she running back or is she being forced back? Due to your inconsistency, I'm leaning more towards it being her choice, with a bit of parental control involved. Here's the tough pill to swallow: If she really wanted to continue building a life with you, she would find a way to make shit work in Michigan. But instead, she's running off to South Carolina. Sure, she's comfortable within your relationship now, but there is no stability for her (not from you, anyway), and she recognizes that.
If you were truly her rock and ready to enter into marriage, then she would work with you to work out her problems. But you aren't her rock; her mother and father are. Don't take this hard because you're still very young and have a lot of life to live, but based on what I've read, you aren't prepared to take this relationship any further than it's current conclusion. You two have been comfortable together for four years. She's familiar and you're familiar. But now shit has gotten real for her, and you, at this point, aren't strong enough to wade her through rocky waters. That's why she's moving home. She probably wants you to come, but most likely due to your familiarity and not because you provide the strong support she needs.
This is the reality of the situation. I would take a hard, long look in the mirror and ask yourself if you're truly prepared to be the leader of a family. Be honest with yourself. It's okay if the answer is no. I answered no when I was a few years older than you, and that's why I broke it off with a girl I truly cared about. If the answer is no (and I have a strong feeling it is), then I'd stay where you are. There's no use in uprooting your life for a relationship that won't be built into a marriage and family.
To further illustrate my point, I'm going to add what I've seen from some successful marriages. When I have talked to wives within good marriages, I have found consistency in their answers for what they like most about their husbands (and this can be hard to come by with women). The main thing I hear is something along the lines of "he's dependable" "he's reliable" "he makes me feel safe." Even so-called "strong and independent" women are terrified, weak little creatures who, deep down, know they have no chance once a true threat comes their way. This is why I say that she needs to see you as a rock. She can lean on you within any situation and you never buckle.
An ex of mine and I were driving through a snow storm. She was behind the wheel and I was passed out in the passenger seat after skiing all day. I wake up because she's freaking out. It's a fucking blizzard, the road is all white, you can't see any lanes, and you can barely see two feet in front of you. I tried to get her to pull off, but she wouldn't because you could barely tell the road from a potential snow bank. So I calmly talked her through it. I kept my eyes peeled, kept her calm, and walked her through what to do. We made it home safe. She later told me how much she admired my calmness through the whole situation. The fact was, I was terrified, but I didn't let it show. This is a part of frame maintenance that is rarely talked about: when you're overwhelmed, but make her believe you've got it.
Your girlfriend is in a shitty situation. If she's turning to her parents for guidance instead of you, then she doesn't see you as that calming force to help her weather the storm. This is why moving to SC, in my opinion, is pointless. You aren't ready to take this relationship to the next level. It's merely a comfortable situation for you both since you've been together so long, but it's probably not going anywhere. If she truly saw you as dependable and reliable, then she would have handled the problem with you.