X
Xantippe
Guest
moon1234 said:
“It was meant more as a rhetorical question. Remove family member and insert complete stranger. When a bank loans money they want to secure their loan to make sure they get paid back. If a person does not have enough income to pay the loan, then the bank will not issue the credit.”
I really don’t like that banking analogy for marriage.
I wouldn’t loan money to an individual stranger, either. I do “loan” money to the bank at interest, but only in an FDIC-insured account. I really don’t think that has an analogy in marriage–except maybe something involving a prenuptial agreement. Yuck!
If a prospective spouses loses a job but has a reasonable plan in place for getting a new one, I think that’s good enough to marry on. If their plan is, I’m going to sit here and wait for somebody to offer me a job at least as good as my last one, that would be a deal breaker. I don’t think that is a money issue, so much as a character issue.
My husband and I married when he was 25 and I was nearly 23. We were each making around $10k a year at the time, as we were both graduate students (this was 15 years ago). If we had waited to marry until he had his first real job, that would have been another three years. If we had started a family right away, we would have been raising a family on $10k a year. As it happened, we used NFP, started trying for our first baby as soon as he got his first job offer, and had our first baby four years after we got married. My husband’s job (the only one he was offered) was in one of the most expensive parts of the country, and our rent for an (admittedly very nice) 2-bedroom apartment was $1560 a month. I didn’t realize it at the time because I was dazzled by how much more we were making than as graduate students, but we were very “apartment poor”. My husband has since managed to get a job in a much less expensive part of the country, thank goodness. We now have three children, one of whom (the first) has some minor special needs. We have a roomy house, but I expect to be living with pink formica for the next 5-10 years. It won’t kill me. It took us 15 years from the day we married to be able to afford buying our first house.
I’ve since known a bunch of graduate couples who have started raising families in grad school. They seem to do OK, but they are often on Medicaid.
I don’t think it is reasonable to tell everybody to wait to get married until they have all their financial ducks in a row. For one thing, just being married may lead them to a change of heart with regard to how quickly they want to have kids.
“It was meant more as a rhetorical question. Remove family member and insert complete stranger. When a bank loans money they want to secure their loan to make sure they get paid back. If a person does not have enough income to pay the loan, then the bank will not issue the credit.”
I really don’t like that banking analogy for marriage.
I wouldn’t loan money to an individual stranger, either. I do “loan” money to the bank at interest, but only in an FDIC-insured account. I really don’t think that has an analogy in marriage–except maybe something involving a prenuptial agreement. Yuck!
If a prospective spouses loses a job but has a reasonable plan in place for getting a new one, I think that’s good enough to marry on. If their plan is, I’m going to sit here and wait for somebody to offer me a job at least as good as my last one, that would be a deal breaker. I don’t think that is a money issue, so much as a character issue.
My husband and I married when he was 25 and I was nearly 23. We were each making around $10k a year at the time, as we were both graduate students (this was 15 years ago). If we had waited to marry until he had his first real job, that would have been another three years. If we had started a family right away, we would have been raising a family on $10k a year. As it happened, we used NFP, started trying for our first baby as soon as he got his first job offer, and had our first baby four years after we got married. My husband’s job (the only one he was offered) was in one of the most expensive parts of the country, and our rent for an (admittedly very nice) 2-bedroom apartment was $1560 a month. I didn’t realize it at the time because I was dazzled by how much more we were making than as graduate students, but we were very “apartment poor”. My husband has since managed to get a job in a much less expensive part of the country, thank goodness. We now have three children, one of whom (the first) has some minor special needs. We have a roomy house, but I expect to be living with pink formica for the next 5-10 years. It won’t kill me. It took us 15 years from the day we married to be able to afford buying our first house.
I’ve since known a bunch of graduate couples who have started raising families in grad school. They seem to do OK, but they are often on Medicaid.
I don’t think it is reasonable to tell everybody to wait to get married until they have all their financial ducks in a row. For one thing, just being married may lead them to a change of heart with regard to how quickly they want to have kids.