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Did you know that the divorce rate in the United States is around 50%? And that one of the leading causes of divorce is money problems?

Money is a big factor in marriages, and it’s important to be aware of the statistics when it comes to money and marriage.

In this blog post, we’ll take a look at some of the most interesting marriage and money statistics. Keep reading for more information!

Editor Choice: Spectacular Marriage and Money Statistics

The following salient statistics on Marriage and Money expound on the impact that money has on marriage.

  • Couples with an average of 30000 USD consumer debt fight over money.
  • 86% of married couples started in debt with 63% of all marriages starting in the red.
  •  41% of couples with consumer debts argue mostly about money compared to 25% of debt-free couples.
  • 43% of marriages that are more than 25 years old started in red compared to 86% of marriages that are five years and below.
  •  41% of couples married for five years and below spent above their means on their wedding.
  • 54% of couples in marriage for five or fewer years took credit to cover for some expenses in their wedding with 73% of them regretting the decision.

(Source: Ramsey)

According to the data shown above, the majority of marriages began with debt. Fewer than half of couples who have been married for 25 years or more began living above their means shortly after their marriage. Marriages that lived above their means when they began were twice as common among those who had been married for five years or less as they were among those who had been married for 25 years or more. In addition, according to the data, debt has a negative impact on marriages regardless of the family income.

Money and Marital quality

The degree of pleasure and enjoyment gained from a marriage as a consequence of subjective behaviors and relationships in a marriage, which may be either good or bad, is referred to as marital quality. According to the data presented in this part, money has an impact on the quality of marriage relationships between spouses.

1.  A 2017 study revealed that 87% of spouses with common long-term financial goals expressed greater satisfaction compared to 41% either content with their unions or in a marital crisis.

(Source: Ramsey)

A better marital connection is achieved by the vast majority of couples who discuss their objectives and ambitions and agree on shared financial goals. While fewer than half of the couples had comparable financial objectives, they were simply happy in their marriages, while others were experiencing marital difficulties, according to the study results. This implies that although other variables influence the quality of a marriage, money has a greater influence on the majority of families.

2.  94% of the couples in great marriages discussed their financial goals compared to 45% in just fine or problematic marriages.

(Source: Ramsey)

Instead of having problems in their marriage, the majority of couples who discussed their financial goals jointly had more satisfying marital relationships than those who did not share their financial dreams. If you want to have a good marital relationship, you should talk about your financial goals with your partner and work together to accomplish them.

3.  68% of couples who expressed synchrony over their finances also indicated that they had nearly perfect communication over money.

(Source: Ramsey)

The majority of couples that are in sync with one another about their finances have frequent discussions about their finances. Conversations regarding money are essential for ensuring that your marriage is pleasant and that you and your partner are on the same page when it comes to your financial goals and ambitions.

4.  A 2015 study reveals that individuals with an income of more than $90000 are 13.47 times happier with their marriage than those with an income of less than $33200.

(Source: Herald)

According to the findings of the research, the higher the level of income, the greater the level of contentment among couples. If you compare couples that suffer financially to couples who have enough money to fulfill their goals, couples who struggle financially have lower levels of marital happiness. People with income levels ranging between $33200 and $57000 were shown to be 3.79 times happier in their relationships than those with income levels less than $33200 USD, according to the research. The quality of marriage is inversely proportional to the levels of wealth of the married couples, most likely because high-income couples can more easily fulfill their wishes than low-income couples, as opposed to the reverse.

Money and Stress among Couples

Money has been associated with stress among married people. The statistics in this section show the relationship between money and stress among married couples.

5.  In a 2018 study, 38% of Americans in a serious relationship identified money as the biggest stressor compared to 36% of married Americans.

(Source: Ally)

Money was cited as the most stressful factor in their relationships by almost an equal proportion of Americans who were in serious relationships or married at the time of the survey.

6.  44% of married adults between 18 and 54 years old cited money as the number one stressor compared to 23% of older adults who are 55 years and above.

(Source: PR Newswire)

Couples under the age of 55 who are married are more stressed by financial problems. Young families are more susceptible to financial stress than older marriages, and as a result, couples should seek for methods to handle money problems in their relationships in order to prevent this tendency from continuing.

7.  A 2017 Ramsey Solutions study revealed that 47% of the surveyed population linked their relationship stress and anxiety to consumer debt.

(Source: Ramsey Solutions)

In that research, almost half of the participants said that they were worried and nervous as a result of the consumer debt they were accumulating.

8.  60% of respondents with consumer debts indicated that they worried over finances at least once a month while one out of four said that they worried over finances daily.

(Source: Ramsey Solutions)

Consumer debt, according to a research conducted by Ramsey Solutions, is a source of financial anxiety. Individuals’ relationships with their wives suffer as a result of their worry as a result of their financial concerns.

9.  63% of the surveyed with more than $50000 consumer debt felt uneasy discussing their finances in contrast to 41% with consumer debts of less than $10000.

(Source: Ramsey Solutions)

According to the findings of the research, having a large amount of consumer debt creates a communication barrier between couples who wish to speak about their money. As a result, when financial problems occur in a relationship, couples who are deeply in debt suffer communication breakdown. The emotional intensity of issues involving money rises in proportion to the amount of debt a person has, which may lead to financial infidelity.

Financial Infidelity in Marriage

Infidelity in financial issues occurs when a couple is dishonest in their financial dealings. This involves, among other things, lying to each other about how money is spent, making expenses that have not been discussed with your spouse, concealing money or debts from each other, and covertly saving money in a secret account without your spouse’s knowledge.

10.  Spouses in 4 out of 10 families have shared all income and expenses compared to two in ten families who keep all their income and expenses separate.

(Source: Ally)

In the United States, less than half of all married couples handle all of their income and expenditures together, and although the other half may have certain shared income and expenses that they manage together, they still have other income and expenses that they manage individually. Only 20% of the families questioned maintained track of all of their earnings and expenditures in a separate account. This implies that 80 percent of married couples in the United States share part of their earnings and expenditures, even if they have portions that are kept separate from one another.

11.  51% of millennial spouses have cheated each other on money matters compared to 41% of Generation Xers and 33 percent of the boomers.

(Source: Creditcards)

The likelihood of financial infidelity rises as the combined ages of the spouses involved drop. Couples born between 1981 and 1996 were more likely than other couples to defraud their partners in financial issues, whereas couples born between 1965 and 1980 saw a reduction in financial infidelity. Couples born between 1946 and 1964 experienced the least amount of financial fraud. The majority of Millennials find it difficult to discuss their finances with their love partners since money is a personal matter to them.

12.  A survey on love and money conducted by TD Bank in 2019 revealed that 43% of married Americans have undisclosed credit card debts.

(Source: make it)

It is estimated that almost half of married couples in the United States have credit cards, bank or savings accounts that they have maintained surreptitiously without the consent of their spouses. To put it another way, financial infidelity is common among married individuals. Thirty percent of those who answered the survey had used more than their wives would have approved, and eleven percent had a concealed debt. Nine percent of those who answered the survey had hidden savings accounts, and seven percent had a checking account that their spouses were completely ignorant of.

13.  74% of the couples in serious relationships became financially unfaithful in 2020.

(Source: Creditcards)

Many individuals were forced to deceive their loved ones on financial issues as a result of the spread of Covid-19, as a result of the financial difficulties they were forced to face as a result of the disease’s spread. Many individuals find themselves being dishonest to their spouses in financial transactions when they are facing financial difficulties.

14.  28% of those surveyed considered financial unfaithfulness worse than sexual infidelity in contrast to 38% who believe that sexual infidelity was worse.

(Source: Creditcards)

The vast majority of research participants do not regard financial unfaithfulness to be a severe crime against their spouses on par with physical infidelity, according to the findings. According to the survey results, millennials (32 percent) believe that being swindled by their spouses is worse than being physically harmed, followed by Gen X (27 percent) and baby boomers (25 percent).

Relationship between Money and Divorce Rates

Since 1990, the number of divorces has been decreasing in the United States. By the year 2019, the divorce rate was 2.9 individuals per 1000 people. This indicates that just a small number of individuals ended their marriages in that year. Money was a significant source of contention among the majority of individuals who divorced, and it was also a big source of contention among the couples who were considering divorce. Statistical evidence demonstrating the connection between money and divorce will be highlighted in this section.

15. The possibility of divorce reduces by 30% with an income of more than $50,000 annually compared to those who earn less than $25000 annually.

(Source: Course Hero)

Income levels and divorce rates are related to one another, according to research. Individuals with high earnings of $50000 or more per year are less likely to divorce than those earning less than $25000 per year. As a result, families with limited financial resources are at greater risk of divorce than couples with more financial resources.

16.  The possibility of divorce increases by 45% among couples who think that their partners spend money irresponsibly.

(Source: Wilkinson & Finkbeiner)

Couples who believe their partners spend their money irresponsibly are more likely to divorce than couples who believe their spouses spend their money properly.

17.  Arguing over finances weekly increases the possibility of divorce by 30% more than those rarely argue over finances.

(Source: Wilkinson & Finkbeiner)

Couples who have a disagreement about money even once a week are more likely to divorce than those who do not have such a disagreement. In light of these findings, the more often couples disagree about financial, the greater the likelihood that they would divorce, whereas divorce is less likely to occur amongst partners who seldom disagree about money.

18.  Lack of assets among couples in the first three years of marriage increases the likelihood of divorce by 70% than those with assets worth $10000 or more by that period.

(Source: Wilkinson & Finkbeiner)

Couples who collect assets during their first three years of marriage had lower odds of divorcing, while those who do not develop assets during that time have greater chances of divorcing by the end of their first three years of marriage.

19.  A 2018 study showed that 41% of divorced Gen Xers divorced as a result of money-related disagreements compared to 29% of Boomers. 

(Source: MarketWatch)

According to the findings of the research, more Generation Xers filed for divorce as a consequence of financial disagreements than Baby Boomers. According to this, more Baby Boomers were open and honest about their financial transactions with their spouses than did Gen Xers.

20.  An annual income of $125,000 reduces the possibility of divorce by 51% compared to an annual income of $25000 or less.

(Source: Good housekeeping)

When comparing wealthy and impoverished marriages, wealthy couples are less likely to divorce. The majority of single-parent households in the United States are led by individuals with low earnings.

Financial benefits of coupling up

Marriage also comes with financial benefits for the married. The following statistics reveal how marriage positively impacts the financial status of spouses.

21.  Married people accumulate wealth much faster than singles by 77%.


When compared to individuals who stay single, married couples have a greater probability of increasing their wealth in a shorter period of time. If both spouses are employed, the amount of time it takes for married couples to accumulate money is significantly shorter. This is due to the fact that they set plans and goals and pool all of their resources to accomplish those goals, making it simpler and quicker for them to reach their financial objectives.

22.  There is a 16% yearly increase in combined wealth among people who are married than singles.

(Source: CNN health)

Couples’ wealth grows at a faster rate than that of single people each year because they can pool their resources and share bills and expenditures more effectively than single people.

23.  Married partners who jointly own property can get capital gains exclusion of $500000 on when selling compared to $250000 for the unmarried.

(Source: Charles Schwab)

The capital gains exclusion gives the married more financial advantages than singles.

24.  The 2020 law allows people who are married to pass up to $23.16 million on their spouses without any federal estate taxation.

(Source: Charles Schwab)

The laws of the gift and estate tax are more advantageous to married couples than they are to unmarried individuals. Married individuals have the ability to transfer an infinite amount of tax-free property to their spouses, and in the event of death, a married person has the ability to bequeath any amount of tax-free property to their spouse.

Final Thought

Money has both good and bad effects on love and marriage, depending on how it is used. When handled properly, money may bring happiness and pleasure into a relationship, but it can also bring sorrow and grief into it. Couples should talk about their financial objectives and come to an agreement on how they want to spend their money. People who manage their money as a team are more likely to achieve their financial objectives than those who handle their finances on their own.

As a result, spouses should collaborate on creating their monthly budget. As they talk about their budget, additional financial problems will come up, which will open the door to crucial discussions about their financial objectives and aspirations, which will take place. Regular discussions about money, ambitions, and aspirations help people to stay connected with one another. They learn to collaborate in order to achieve a shared goal, thus decreasing financial worry and stress. They gain confidence in one another and, as a result, establish a positive and healthy connection with one another.

Individuals who are married have greater financial benefits than people who are single. In addition to their joint effort in achieving their financial objectives, couples benefit from additional advantages such as tax exemptions, which allow them to save more money than singles. When married couples share a home, they save money since they are forced to share costs such as food, utilities, and rent. According to a study conducted by the Bureau of Labor Statistics, a married couple with an average salary may save 3,385 USD per year by pooling their resources.

It is essential for you to communicate your financial expectations to your spouse in order to have a healthy marriage. You should come to an agreement on how you will manage your financial affairs. You should also make a strategy for how you will manage your debts and make a commitment to living within your means.


Q: What is marital quality?

Answer: The degree of happiness experienced by a couple throughout their marriage is referred to as marital quality. When referring to any good emotions that married couples have as a result of their marriage, the word is utilized. In general, one’s degree of happiness with a marriage is what determines whether or not one experiences emotions of pleasure, contentment, and enjoyment in the relationship.

Q: What does the term Marital Satisfaction mean?

Answer: Marital satisfaction refers to the psychological assessment of the advantages and costs of marriage on the spouses’ respective psychological well-being. It is possible for spouses to be happy with their marriage if they believe their perceived marital advantages outweigh the perceived costs that they impose on one other, and vice versa.

Q: What is Financial Infidelity?

Answer: Financial infidelity is the practice of cheating or lying about money amongst married couples. It includes expenditures, accounts, credit cards, and savings maintained by married partners who are not aware of each other’s existence or where they are located. Financial actions and choices made by one spouse that have a detrimental impact on the other by delaying or preventing financial planning in a relationship are also included.

Q: What is the effect of money on marriage?

Answer: Money has an impact on both the good and bad aspects of a marriage. Couples that pool their resources together to achieve a shared financial objective more quickly than singles experience more pleasure and satisfaction in their marriages are said to be happier. Financial infidelity, quarrels, and divorce are just a few of the bad consequences.

Q: What are the financial benefits of marriage?

Answer: Getting married may assist couples in saving money by allowing them to share home duties and other costs. Married individuals can benefit from tax breaks, retirement perks, and insurance coverage that are not available to singles.





Wilkinson & Finkbeiner


Charles Schwab

CNN health


PR Newswire


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