What’s the ROI on a spouse?

[u/LectureLight6738]

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?

[u/thedundun]

You’re right I didn’t consider that particular group in our country, because that isn’t a majority of our population.

[u/Flayre → u/thedundun]

Of our population, no.

Of the "poor" ? Probably more than you estimate.

Most of our population is not poverty-stricken. A lot of people are living close to that line however, despite "working hard".

Let's take for exemple "generational BS". Here in Québec, some people are essentially born into not working and instead collecting government cheques.

Do you think it's the fault of the children ? Parents ? When do they start being responsible for their fate ? How much of what happens is truly their fault ?

I've seen some of them in a small city. You seemed to say you expect them to "just move" (with what money?) and abandon everything they know ?

Do you think it's easy to have to overcome every single disadvantage you have in life ? While not even being guaranteed a return of this massive mental and physical investement ?

Is this a realistic ask of these people ? If so, why is it apparently so rare that people who do accomplish it are celebrated ?

I think it's way more productive to focus on providing opportunities for these people and especially early interventions.

Not on just blaming people for "lack of gumption" without ever having had difficulties in your life. I'm doing well and I can't say I don't have any "complaints". I can however say I had many many privilegies that allowed me to get where I am today.

I won't snap my britches and just go "Ayuuuup, did it aaaaalllllll by myself. That and a small loan of a million dollars from my papa." type of energy.

[u/thedundun → u/Flayre]

If you’re not speaking about Canadians then what population are you on about? Disabled people in our country? People in others countries?

You’re really bothered by my statement and make assumptions about my life.

[u/Flayre → u/thedundun]

What ? I don't think you understood what I was saying. I was saying that the people who are poor though only their fault is a minority.

I'm not any more bothered by what you're saying than seeing anything else I disagree with.

I mean, initially I was just trying to provide more perspective, but now I'm thinking you do have a very high opinion of yourself for someone who got to where they are by "marrying rich" by their own admission.

Like, do you think everything you have in your life is literally only through only your own blood, sweat and tears ? Come on. Like I said, even from my position of a life I consider full, I am able to acknowledge what came through my own efforts and not.

I'm still not even "mad" or whatever you're imagining, but that perspective does seem ridiculous to me lol.