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Most have to partner up
A top reason couples move in too quickly is to get a discount and slash their expenses.
For some people, moving in equates to a 50% or more discount, similar to getting a raise.
Who wouldn’t want the benefit?
But this is small thinking.
You should always be able to say “yes” to the following questions:
Can you afford your car on your own?
Can you afford your rent on your own?
Can you afford to buy a house on your own?
Can you afford your expenses on your own?
Can you afford to live on your long-term successfully?
Can you afford your sh*t, or do you need a partner to afford your lifestyle?
The answer to these questions for many is “no,” which leads them to jump into romantic situations for financial reasons.
Can You Live The Same Single And Partnered Up?
Many people can’t.
People tend to live better and have more financial flexibility when they have someone to split the bills with; However, there isn’t anything inherently wrong with this; if things go in another direction, you will need to shift your lifestyle.
Lifestyle inflation is a common mistake for couples because dual incomes (frequently quadruple when couples have multiple income streams) add up quickly, creating false financial freedom when mishandled.
The only time you know you can loosen the reigns is if you have a fully stocked emergency fund, are on target for retirement, have no credit card debt, have destroyed all of your other debts, and are on track with your other financial goals – both independently and as an entity.
Benefits Of Partnering Up
Naturally, partnering up can make things financially easier. And if you’re financially independent and thriving, partnering up is one of the best things you can do to elevate your money even more.
But after you partner up, be careful not to relinquish your financial independence.
Some people lose this gift once they get comfortable in a situation.
Someone told me their partner told them to quit their job, and they listened. Weeks later, their partner wanted to split up. People consistently give up their independence for their partners for whatever reasons.
Don’t Share Everything
It’s missed too often, but when possible, have a shared account and separate accounts in your name that only you can access. Be communicative with your partner so it doesn’t put a surprising wrench in the relationship.
You’re not preparing for separation; you’re simply maintaining financial independence. If you want to dump more money into the shared fund, do so. Just be sure you can always care for yourself if your partner is no longer around.
Always be open and honest about finances – this is critical to any relationship.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.