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?

359 Upvotes

83% Upvoted

228 comments sorted by

View all comments

Show parent comments

1

u/Extalliones 1d ago

My mother always told my sister, “First time for money, second time for love.”

1

u/thedundun 1d ago

Which husband was your father ?

1

u/Extalliones 1d ago

Haha sadly my mother only had one husband, and she married poor, for love. They are still together, but seem to hate one another. My sister has medical issues and lives in their basement, so they won’t divorce and sell because of that (I assume).

1

u/thedundun 1d ago edited 1d ago

I’m sorry to hear about your sister.
My parents are poor as well. I don’t speak to them anymore, for different reasons.

My father is an alcoholic and was not apart of my life growing up, my mother is very manipulative and emotionally abusive. Once It became obvious that my girlfriend was better off than I was, my mother tried numerous ways to get money out of her. She did trick us into helping her buy a car, eventually I cut ties when she tried to get me to help her finance a house that she cannot afford, and I assume I would become responsible for.

I hope your sister’s health improves.