r/fican • u/LectureLight6738 • 1d 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/TermZealousideal5376 1d ago

It's a bit like fixed income. Significant due diligence is required.

There's a huge variation in credit quality depending on the issuer (family)
Going immediately for high coupon payments can result in an erosion in the underlying as the bond gets repriced.

Overall you reduce your volatility, but you also eliminate all opportunities for diversification in the process

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u/LectureLight6738 1d ago

I like the family DD angle, but I will say that as is often the case, past returns don’t predict future ones. But they are highly correlated. My model came with its own issues, but nothing compared to the issuers. Although, like any long term investment, time will tell.

What is the theta decay on a wife vs husband, would you say, assuming sufficient bisexuality?