This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized.
Maintain your financial independence in relationships at all costs
I mention these four stories because there is one constant:
None of these women had their own sh*t, which means they are the ones who experienced the short end of the stick when the relationship ended. They relied on their partner to maintain their lifestyle, which means their partners ultimately had all of the financial control in the relationship, which is unhealthy.
Two women were able to stay with their mothers, another stayed on her coworker’s couch, and the other found refuge with her ex.
Let me mention there is nothing wrong with staying with your folks – especially when you don’t have to, but there will always be a difference between choosing to live with your folks and having to live with your folks because you don’t have enough financial resources to live on your own.
Both Men & Women Face These Situations
Women aren’t the only ones who face these situations, though. Many men are in relationships with women who are the breadwinners.
No matter how good your relationship is going, always ensure you have your own sh*t in case things go a full-blown different direction because, as we know, sometimes things don’t work out quite as we expected.
The 6 Things You Need In Place At All Times
If you were only to have six things in place (financially) and nothing else, implement the following into your plan so you’re never in a compromising position if a relationship goes sour:
Emergency fund (6–12 months)
Your own mode of transportation
Separate bank and investment accounts
3 different income sources (diversification)
Enough income to live on your own if necessary
Financial education; know the basics, so you’re never reliant on your partner if they’re better with money.
Be Optimistic AND Realistic
The American divorce rate is about 50%, but how I read it is that 50% of relationships are and can be successful. If your relationship is healthy and beneficial to both parties, then hold onto that optimism that the relationship will last.
However, never give up your financial independence for love. Maintain your own sh*t in case you ever need it. The hope is you never will, but at least you will always have peace of mind if things go in an unpredictable direction.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.