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Response: “Should You Select Your Significant Other Based On Their Financial Situation?”
I’ve been in situations where partners have called me obsessed with money, I don’t “live” enough, I hold onto things (e.g., my decade-old car) too long, I don’t spend enough money, I’m cheap, and I’m selfish. I’ve even had partners with overstuffed closets ask me if I only have one pair of jeans (which is untrue, by the way).
But all the people who told me these things were in debt, had car payments they couldn’t afford, or had limited income with no substantial increases in sight. I’m trying to determine what made them feel qualified enough to criticize my financial habits. I do not know to this day, but I know that financial health is extremely critical to me.
Money is a top reason for relationship separation; that’s how powerful money is. No, money is not the end all be all, but money is the most powerful tool (outside of our mind) that can create options and access for the remainder of our lives.
Why Select Your SO Based On Their Finances?
You will constantly be at odds if you have healthy financial habits, but your partner doesn’t. There will always be underlying stress in your relationship.
Some couples with only one responsible financial party never end up sharing accounts because they can’t trust the other partner with money, which is not a healthy habit.
Financial goals take longer when only one partner is working towards them.
It is stressful mentally, physically, and emotionally to track excessive spending by one partner that leads to debt.
If you do get married, you will become responsible for any irresponsible financial habits your partner has. If they rack up debt, that’s your debt, too. If they spend their savings, that’s your savings going down the drain, too. If they have a gambling habit, your money goes to the casinos, too. If they don’t save, that’s fewer savings for you too. If they spend more than they earn, you’re living above your means with them, too.
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Important Reminder: Financial Stability
Always ensure you’re financially stable without your partner. If the relationship fails, be able to afford your lifestyle. It’s one less thing to worry about after a separation, which makes things much smoother.
The last position anyone should be in is stuck because they rely on their partner’s income. It’s not a healthy place to be. Avoid being in this position at all costs.
Should You Select Your Significant Other Based On Their Financial Situation?
Some may think it’s immoral…
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.