KGirl - post-move

[KGirl]

Here's what I've got so far. I don't know if the "I'll be moving forward" line is too harsh, but ultimately I don't need his permission or consent so I don't want it to sound like I won't do it if he pitches a fit.. moreso that I'd be open to things we could do to mitigate his concern/risk. I was going to put something about "I notified you out of courtesy but I'll be moving forward" but that sounds a little too angry To clarify - here even if I take out individual credit, any loans taken out after marriage are assumed to be for the benefit of the whole family/marriage so it will still be concerned joint debt.

"I hear your concerns and I understand them. Yes, technically the loan would be a joint debt, but if we divorce we can put in the paperwork that the loan would mine to take care of. The loan I'd take out is called "individual credit" as opposed to "joint credit with spouse" so I see no reason you need to sign it, but I can be sure to ask before it gets to that point and if it does we can talk about it. If you want us to make a document and sign it to say that it would be my responsibility, we can do that. I do need a reliable vehicle before winter, so I can't wait indefinitely to buy one. Assuming your signature isn't needed and I can get a good price for the car I want, I'll be moving forward on this because I need transportation, but I'm open to suggestions on how we can meet both of our needs. What are your ideas?"