For my readers out there, who are searching for Mister or Ms. Right, and are not having much luck, here is something to add to your criteria in your search: Is your prospective spouse set up for Retirement?
I actually am borrowing this from a female class-mate from my “so you want to retire” course a while ago, who correctly pointed out that a great deal of stuff that would benefit her would happen if she were married (or bad things will happen if she gets divorced, and if you are separated that’s a really confusing situation ( for pensions at least)), if you work for the government.
One thing that we Civil Servants do have in our favour is a very nice pension, so if you are looking at those dating sites, look for a Teacher or a Civil Servant since they look to have the best financial attributes for retirement. Finding a potential spouse that has a pension is becoming a lot harder (given very few private firms offer pensions), so maybe I have stumbled upon a new Match Making website “Pension Potential” (anybody want to do this, I will gladly consult).
Given I am completely off in the weeds with this topic here are some other interesting financial topics to discuss with a future spousal candidate:
- How much discretionary debt do they hold? If they have $12200 worth on their MasterCard and still have $40,000 in student loans to pay back, do you want to help them do that? If you marry them, that is on the table.
- Do they ever plan on moving out of their parents’ basement? This could mean that they are just really cheap and don’t want to spend money, or maybe they like home cooking? Either way do you want to be your future spouse’s pseudo-parent as well?
- Are you constantly paying for everything on dates, do you wonder why? Are they cheap? Are you cheap? Something to think about as well.
Why am I handing out love life advice? I have seen more “relationships” destroyed by money issues (and money lifestyle misalignment) in my years, figured I might help out the young folks with a few pointed remarks.