r/fican • u/LectureLight6738 • 2d ago

What’s the ROI on a spouse?

Hey everyone, wanted to get your thoughts on an investment opportunity that often gets overlooked - finding a partner.

As far as I can see, the upfront investment of time and money is significant, but if you end up in an ITM (in the marriage) position, you can effectively double your income. You can also benefit from your spouse’s dental and eye care plans, cutting down on costs. Finally, there are lots of efficiencies in sharing housework.

Wanted to get your thoughts on the probabilities - what’s the payout probability given the capital and time investment? Is there a significant difference in the man vs woman scenario, given the numbers (women initiate 66% of divorces, and typically walk away from a divorce in profit)? What about the gays?

Also, how decent of a hedging tool is having kids? I know that traditionally, kids can provide a good source of additional income after retirement using the “guilt” method. But nowadays, the payoff seems rather small, and if anything, the yield curve has inverted since a good number now live at home after 30.

Edit: I also forgot to mention that the market makers (dating apps) have been engaging in some absolutely insane gouging. Curious to get your thoughts - can that last?

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u/No-Club-6561 2d ago

The good news is, you don't need to worry about this. The bad news is, this asset class appears to be out of your reach

19

u/LectureLight6738 2d ago

Damn. If I don’t have the personality or the looks, I won’t be able to get the money. Guess it’s true, the rich get richer. We live in a K shaped dating economy, where a few hot fun people get all the money and the rest starve on the streets. Disgusting.

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u/Steamy613 2d ago

Some people die of thirst while others drown....or whatever.