Category Archives: News

Study: 1 in 8 divorces is caused by student loan debt

I like to make plans in advance and calculate everything out before I try to do anything. This is the curse of being a software engineer. We’re taught to take a test-first approach to design. So, when I think about marriage, I naturally think about what tests marriage is supposed to pass, and work backwards from there to requirements for each of the spouses.

Here’s some research from CNBC that might help young people to avoid a divorce, if they respect the research in their choices.

Excerpt:

When it comes to student loan debt, “for richer, for poorer” doesn’t quite cut it.

In general, finances are the leading cause of stress in a relationship, according to a study by SunTrust Bank, but student debt takes a particularly hard toll on a marriage.

More than a third of borrowers said college loans and other money factors contributed to their divorce, according to a recent report from Student Loan Hero, a website for managing education debt.

In fact, 13 percent of divorcees blame student loans specifically for ending their relationship, the report found. Student Loan Hero surveyed more than 800 divorced adults in June.

Here is a link to the full study from Student Loan Hero.

I think in general, you can’t just do whatever you want before marrying and jump into it unprepared. Marriage involves specific requirements in order to work, such as being faithful to your spouse, and buying things that you need for the marriage enterprise, like a home, and baby stuff. It doesn’t make any sense to say “I want to get married” and then not prepare for marriage by being careful about preparing for the behaviors marriage that requires of you. Being debt-free is one of those behaviors that marriage requires of you.

So how can we be debt-free, so that the marriage will be stable? Well, one way to be debt-free is to find a way to learn skills that will allow you to get a job without going to college, like being a self-taught software engineer. One of my friends actually did that, and now he’s with a very good software company as a remote worker. But if you’re going to go to college, you can avoid debt by studying something that will get you a high-paying job when you graduate.

This 2017 article from Harvard Business Review is interesting.

It says:

Examining 46,934 resumes shared on Glassdoor by people who graduated between 2010 and 2017, the researchers looked at each person’s college major and their post-college jobs in the five years after graduation. They then estimated the median pay for each of those jobs (also using Glassdoor data) for employees with five years of experience or less. Their key finding: “Many college majors that lead to high-paying roles in tech and engineering are male dominated, while majors that lead to lower-paying roles in social sciences and liberal arts tend to be female dominated, placing men in higher-paying career pathways, on average.”

Here’s the plot, and you can click it to expand it:

Starting salaries by major, broken out by gender
Median salaries by major, broken out by gender – don’t study things at the bottom!

As you can see from the graph, it’s especially important to share the message about choosing a major, salaries and student loan debt with WOMEN, because as the graph shows, they tend to choose the wrong majors, if the goal is to pay off student loans and avoid divorce. Everyone who wants marriage to go smoothly needs to choose majors that are near the top of the graph, like nursing, chemical engineering, computer science, or mechanical engineering. It doesn’t make sense to go to college if you aren’t going to graduate in one of these high-paying fields.

As you might expect from the graph, women hold the majority of student loan debt, according to the Boston Globe, and that’s because women tend to choose majors that don’t result in good-paying jobs. And we already saw how this becomes a risk factor for divorce.

Student loans delay marriage and children

Another interesting piece of data, reported by The Consumerist, is that people with student loans tend to delay marriage, which means the couple has fewer children:

As consumers navigate life’s financial journey, they are faced with major financial milestones, like buying a home. But student loans are also delaying consumers from reaching these goals.

Survey respondents report delaying homeownership (23 percent), buying or leasing a car (23 percent), having children (10 percent) and getting married (9 percent) because of their student loan burdens.

So, it’s not just that there is an increased risk of divorce from student loans, but there’s also fewer children, which means a diminished legacy. I can’t speak for how others would see this, but for myself, I want to pass on my beliefs to as many effective, influential Christian children as I can.

Anyway, I feel obligated to post a relevant Dave Ramsey video, just to remind everyone that stewardship of money is a Christian virtue, and that being forgiven by Jesus for your sins doesn’t automatically make you good with money. It takes planning and stewardship.

This one from 2014: (H/T Robb)

When I was in high school, I was far more interested in becoming an English teacher than I was in becoming a software engineer. It was my Dad who overruled my choice of college major when I was still in high school. He had me take a first-year English course at a local university. When I saw how politicized and useless it was (they were studying all sorts of politically correct postmodern relativist stuff, instead of the Great Works, and they weren’t trying to learn any wisdom from any of it), I chose computer science. I did what was likely to avoid divorce, and likely to support having many children.

William Lane Craig and James White debate Calvinism vs Molinism

In a recent episode of the Unbelievable show, Calvinist pastor / theologian James White discussed middle knowledge (a.k.a. Molinism) with philosopher / theologian William Lane Craig. In this post, you’ll find a link to the audio, the YouTube video, and my comments on the debate. My comments were quoted in an episode of William Lane Craig’s Reasonable Faith podcast.

Here is a link to the details from Unbelievable: (with MP3 download link)

Calvinism and Molinism are two very different ways of understanding God’s sovereignty. But which one best addresses the problem of evil?

James White argues that Calvinism – God foreordaining all human behaviour both good and evil – is the more Biblical and coherent view. William (Bill) Lane Craig argues that Molinism – a view which reconciles human freedom and divine sovereignty – is Biblically consistent without making God the author of evil.

And the video:

Summary:

JB: Why is there evil?

JW: Natural and moral evil are the results of God’s divine decree to create the world.

WLC: God has knowledge of what individual humans would do in different circumstances prior to his divine decree to create the world. God’s decree takes into account the free decisions of people in different situations. With regard to natural evil, Calvinists and Molinists do not differ much – they are permitted to achieve a greater good. But for moral evil, there is a difference. Moral evil is the result of free decisions by individual humans. They are not God’s will. God permits people to perform evil actions, because those free actions will lead to him achieving his ultimate purposes. God does not override human free will. He achieves his ultimate purposes through the actions of his free creatures. On the Calvinist view, God moves the will of creatures to do evil. God is the cause of their evil acts.

JB: God sees all of the possible worlds and instantiates a world where he is able to achieve his ultimate purposes while respecting the free decisions of his creatures.

WLC: God does not see what humans WILL do, and decree based on that. He sees what they WOULD do in different circumstances, and articulates a world where the free decisions they make in the circumstances he decrees lead to his ultimate purposes being fulfilled.

JB: And this view achieves God’s sovereignty (God gets the result he wants) with human freedom (God is not responsible for moral evil)

JB: James, isn’t it better for God to get what he wants while respecting free will, rather than micromanaging every thought and action of the people?

JW: There’s micromanaging on both sides. On Molinism, God micromanages the circumstances. On Calvinism, God micromanages everything. But how could God have that knowledge of what people would do, prior to actually creating those people? The Bible teaches Calvinism, and so we should go with that. Calvinists are concerned when Craig says that God does not determine the truth value of these subjunctive conditionals (i.e. – what free individuals would do in different circumstances) The individuals determine what they will do in different circumstances. And Calvinists would prefer that God determine (i.e. – exhaustive determinism) what individuals do in different circumstances. WLC, would you agree that the knowledge of these subjunctive conditionals are the essence of what middle knowledge is? (WK note: micromanaging circumstances doesn’t violate free will, micromanaging everything does violate free will)

WLC: No, but it is an essential aspect of it. According to Molinism, God does not determine what free individuals would do in different situations in which they find themselves. The Calvinist view is that in any situation, God actually moves the will of the creature, so God is the author of moral evil. On the Molinist view, creatures are responsible for moral evil, not God.

JW: So you’re saying that these subjunctive conditionals are not under God’s control. How can they be under the control of the creatures, since prior to God’s creative decree, the creatures do not exist yet? Where do these truth values come from.

WLC: This objection to Molinism is called the “grounding objection”. The counterfactuals of creaturely freedom are true without having to be grounded by the created individuals. This objection presupposes a view of truth called “truth-maker” theory. This theory says that in addition to propositions that are true, there are things that make propositions true. There are many counterexamples to this view. For example, if you deny the existence of something that does not exist, then there is no truth maker that makes that claim true. (WK note: E.g. – a unicorn does not exist) Another example is “If WLC were rich, WLC would buy a Mercedes” but there is no truth-maker situation that makes that true, except maybe if he were rich. (WK note: I think that the created individual WLC would be the truth-maker in that case?)

JW: The decisions that I make are caused by God’s decree of what gifts I have or don’t have. He has freedom to decree those gifts, and then that has an effect of what I am free to do. E.g. – I am not 6’11” so I am not free to be a center in the NBA. So on the Molinist view, what is the basis for these subjunctive counterfactuals that limit what God can do?

WLC: The grounding objection presupposes the truth-maker theory, and a particular strain of that theory called truth-maker maximalism, and counterfactuals of creaturely of creaturely freedom would be prime candidates to be exceptions to the truth-maker theory.

WLC: Regarding the point about how people don’t exist in a vacuum but have a whole history, background, characteristics, etc. to shape their decisions. That’s right. But the counterfactuals of creaturely freedom factor all that in. The key point that divides us is that God doesn’t determine what creatures decide, he decides the circumstances. And so the creature is responsible for moral evil, not God. And so God doesn’t cause people to commit moral evils, then punish them for it.

WLC: We should guide our views based on what is in the Bible. But even Calvinist theologians affirm things about God that are not taught explicitly in the Bible, such as God’s spacelessness and timelessness. And Molinism makes the best sense of divine sovereignty and human freedom. On the Calvinist view, God determines how anyone would act in any situation God might place him in, so God is responsible for the moral evil committed by his creatures.

JW: (repeats) If God is limited in what he can do by counterfactuals of creaturely freedom, then we have to know where these counterfactuals come from. (WK note: the counterfactuals of creaturely freedom come from… creaturely freedom.)

JW: Genesis 50:20 says that God used the moral evil committed by some creatures to achieve the good purposes he intended. (WK note: that’s exactly what the Molinist view is, God permits moral evil by his creatures, as long as it achieves his ultimate good purposes)

JW: Molinism is unknown in the church for 1500 years. (WK note: Molinism is in Acts 17:24-27, and also, Calvin and Luther were unknown in the church for 1500 years)

JB: Is Genesis 50:20 a good example of Calvinism?

WLC: (very excited) NO!!!!!! It’s a great example of Molinism!!!! The text says that God didn’t move the bad actors to perform sinful actions – that would make God the author of evil. But God knew that if they were in this situation, they would behave in these evil ways, but ultimately it would lead to good results that God wanted. There is a chain of people partially articulating the middle knowledge view prior to Molina.

JW: You shouldn’t believe Molinism, because it comes from Jesuits. (WK Note: this is the genetic fallacy)

JW: The Bible has examples where God “hardens hearts”, e.g. Pharaoh.

WLC: It’s not that the Bible authors had Molinism in mind. It’s that this theory is consistent with what the Bible teaches.

JW: Ephesians 1 teaches that God unilaterally determines who the elect are. Calvinism emerges from the text. But in Genesis 50:20, Molinism doesn’t emerge from it.

WLC: We’re both trying to make sense of the data of Scripture. Scripture doesn’t teach the universal divine determinism of every human act, especially evil acts. The Bible says thate God is not evil, and cannot even be tempted with evil, but on the Calvinist view, God is causing the evil actions of his creatures, and then he punishes them for it. If it’s evil to cause someone to do evil, it makes God himself evil.

JW: In Isaiah 10, God uses the Assyrians to punish Israel, then he punishes the Assyrians for the haughty attitude of their heart.

WLC: The Molinist view of Ephesians 1 is that part of God’s good pleasure is to respect human freedom, and not to unilaterally divinely determine them to sin. Regarding Isaiah 10, you’re asking how God can punish the Assyrians for something he causes them to do? No, God knows that the Assyrians are going to do this moral evil and he uses that for his purposes, and he is free to punish their immoral act, because they did it of their own free will.

JW: But if you need Molinism to understand these texts, then what did the authors intend for people to think before Molinism.

WLC: People understand from Genesis 50:20 that people do evil things, but God gets a good outcome out of it.

JW: As a Calvinist, I do not believe that God respects human freedom.

JW: I don’t think that individuals have control of the circumstances in which they are born or where they live that limits God’s sovereignty. (WK note: he doesn’t understand Molinism or Acts 17:24-27. Individuals control their own decisions. But God controls the circumstances – i.e. – everything else). There is no essence of James White that determines where I am born, my physical characteristics, my siblings, etc. God decrees everything about who I am.

WLC: “That’s because you’re a determinist, James, and I’m not”

JW: “Yes. Yes. OK.”

WLC: There are number of possible worlds where James White could exist. Different country, different education, different language, different family. God decides the circumstances for James White. James White makes the decisions. God doesn’t cause James White’s moral evil. James White does. The counterfactuals of creaturely freedom must exist prior to the divine decree in order for humans to be responsible for their evil actions.

JW: You’re using philosophy. But your view should come from the Bible. (WK note: look at Acts 17:24-27)

WLC: Universal divine determinism isn’t taught in the Bible.

JW: Yes, in Ephesians 1.

WLC: The Molinist affirms Ephesians 1.

JW: It doesn’t mention respecting free will there, it’s teaching universal divine determinism.

WLC: The Bible teaches that God does have knowledge of counterfactuals of creaturely freedom, e.g. 2 Cor 2:8. So the question is whether God has this knowledge logically prior the decree (Molinism requires this), or is it logically after. If it is logically after, then it makes God the cause of human moral evil.

JW: The verses raised by Craig can be subsumed under God’s natural knowledge and free knowledge.

JW: Some Molinists believe that the only people who are lost in this world are people who cannot freely respond to God’s saving initiative in any circumstances (WK note: this is called trans-world damnation (TD), and I hold this view). Does anyone in the Bible know about this idea? That changes God’s expression from universal divine determinism to accepting human free will and human responsibility for sin (which Calvinism denies).

WLC: Yes, there are two different views. The one view takes human free will, and human responsibility for sin, seriously. The other view makes God the cause of human sin, and therefore makes God evil for being the author of evil.

JW: On Molinism, God knew that if he actualized this world, then he knew the evil that would result, but he didn’t do it for some purpose, like revealing his own character?

WLC: No, he didn’t bring the evil into the world. He actualized a set of circumstances, and a set of free creatures. And he knew that in those circumstances, he knew that the creatures would choose to do evil. His absolute will is for all his creatures to always do the right thing. But he knows that often they will do evil. He permits that to happen, but in the end he achieves the good purposes. E.g. – achieving the redemption of mankind through Jesus through the evil decisions of the rulers at that time.

WLC: I love the Westminster Confession. But without middle knowledge, that Confession is incoherent. Middle knowledge explains how things work, so that the Westminster Confession’s affirmations are logically coherent.

JW: What you’re saying is that God respects human free will and human responsibility.

WLC: Molinism is extremely fruitful theologically. I have applied to the problem of exclusivity of salvation, to the perseverance of the saints, to the inspiration of Scripture… but the focus of the discussion today is on moral evil. Who is the cause of human evil?

JW: Only universal divine determinism and the denial of human free will and human responsibility are consistent with Scripture.

WLC: Scripture alone is my authority, not church tradition. But Reformed theology is permeated with concepts that are not described in Scripture, but are consistent with Scripture, e.g. – timelessness, spacelessness, simplicity.

JW: I disagree, ALL the concepts in Calvinism emerge directly from the text. Isaiah 40-48 clearly teaches divine necessity, that God exists necessarily, in every possible world. (WK note: Calvinist thought emerges 1500 years after the Bible was written)

JW: Middle knowledge is a Catholic dogma, which is why even the Catholics rejected it.

WLC: (holds up 2 volumes of a 4 volume, 2144 page set of books on Reformed theology) Anyone who thinks that Reformed Dogmatics are simply read out of Scripture “doesn’t know the history of Reformed theology”. These volumes are permeated with theological constructs, philosophical models, philosophical principles. The necessity of God’s existence, timelessness, spacelessness, etc. are all affirmed by Reformed theologians, and were inherited from medieval scholastics (Catholics).

JW: The central claim of middle knowledge, that counterfactuals of creaturely freedom are known by God, are not in the Bible. (WK note: Craig gave an example of counterfactuals of creaturely freedom in the Bible. There are lots of them.)

Reformed Dogmatics
Four volume 2144-page book set on Reformed dogmatics

My thoughts:

I think that it was a good debate. Well worth watching. I don’t promise that my summary is 100% accurate. Please leave room for a little snark, and watch the debate yourself. I like to take the spin off of people’s words, when I feel that they are trying to weasel out of the conclusions of their own views. It’s 2 AM on Monday morning now, and I don’t want to proof-read. Please point out errors in the comments.

If I could boil down the mistake that James White makes to one sentence, it would be to say that he comes to the text with a philosophical presupposition (determinism), and this causes him to misinterpret the plain meaning of the text as a whole. And this misinterpretation isn’t about peripheral teachings of the Bible. His embrace of God as the cause of moral evil means that he denies the goodness of God – a basic Christian doctrine. (This is compounded by his embrace of double-predestination, although that was not the topic of the debate). Christians shouldn’t let a philosophy – determinism – override the plain meaning of Scripture. Determinism is man’s philosophy – it’s a Greek philosophy that existed centuries before Christ.

White also was clearly unfamiliar with the philosophy of religion of his own Reformed tradition, and especially with the history of the development of Reformed theology. Craig was able to correct him, by showing him the books on Reformed Dogmatics and explain the historical antecedents of Reformed thought.

James White is not a “hyper-Calvinist”. He is a normal Calvinist. Calvinism teaches universal divine determinism. Calvinism teaches that where each individual goes after the judgment is decided unilaterally by God. Calvinism teaches that human moral evil is caused by God. Calvinism teaches that God punishes people for this moral evil. Calvinism teaches intentional double-predestination.

I wrote about the problems with Calvinism, citing Calvinist D.A. Carson and William Lane Craig, in a previous post. Determinism denies free will, and therefore undermines all meaning in life. That’s not consistent with the Bible’s clear teaching that God issues commands to his creatures, because he expects (free will) obedience. That is how we develop our relationship with God after becoming Christians (sanctification), and those relationships have ultimate significance.

Note: I link to James White’s work on this blog. He does a great job of fighting cultural and political enemies. I really appreciate his conservative perspective on issues like abortion, and his sensitivity to the totalitarian impulses of the secular left. His work on KJV-only and and debating Catholics is excellent. I don’t always agree with Craig. I recently posted disagreement with Craig on his latest work on the historical Adam and evolution. I have other minor disagreements with him as well, in substance and method. The only theology books in my house are by R. C. Sproul, Wayne Grudem, D.A. Carson, Millard Erickson, John MacArthur, etc. – all Calvinists.

If you missed Craig’s debate with Paul Helm, which is mentioned in the debate, I blogged about that previously, as well.

Are feminists right to think that gender-neutral marriage makes women happier?

Male And Female Happiness After Feminism And Socialism
Male and female happiness throughout America’s adoption of radical feminism

I was reading this article by a feminist fiction writer on Vox, where she explains that although feminists have gotten what they wanted (careers, contraceptives, promiscuity, abortion, no-fault-divorce, daycare, etc. it hasn’t made them happier. So, what does this feminist fiction writer think would make feminists happier?

She gives two reasons why women women are still unhappy after feminism has been adopted by our society:

  • men don’t do enough housework
  • women are not as successful as men because they are discriminated against, the so-called “glass ceiling”

I think those complaints are pretty popular among feminists. Let’s take a look at some studies to see if her opinions are supported by peer-reviewed studies.

First study:

COUPLES who share housework duties run a higher risk of divorce than couples where the woman does most of the chores, a study has found.

The divorce rate among couples who shared housework equally was around 50 per cent higher than among those where the woman did most of the work.

“The more a man does in the home, the higher the divorce rate,” Thomas Hansen, co-author of the study entitled Equality in the Home, said.

Second study:

Researchers at the University of Illinois examined data on nearly 1,500 men and 1,800 women, aged between 52 and 60. Their well-being was evaluated through surveys.

The researchers first found that men’s well-being decreased once they had exited the workforce to become home-makers.

Meanwhile, the inverse was not so for women: Women’s psychological well-being was not affected by leaving their jobs to become stay-at-home mothers.

Third study:

A study called “Egalitarianism, Housework and Sexual Frequency in Marriage,” which appeared in The American Sociological Review last year, surprised many, precisely because it went against the logical assumption that as marriages improve by becoming more equal, the sex in these marriages will improve, too. Instead, it found that when men did certain kinds of chores around the house, couples had less sex. Specifically, if men did all of what the researchers characterized as feminine chores like folding laundry, cooking or vacuuming — the kinds of things many women say they want their husbands to do — then couples had sex 1.5 fewer times per month than those with husbands who did what were considered masculine chores, like taking out the trash or fixing the car. It wasn’t just the frequency that was affected, either — at least for the wives. The more traditional the division of labor, meaning the greater the husband’s share of masculine chores compared with feminine ones, the greater his wife’s reported sexual satisfaction.

Regarding the pay gap, that is entirely caused by women’s own choices. E.g. – the choice to study creative writing instead of petroleum engineering, the choice to work 35 hour weeks instead of 70 hour weeks, etc.

Fourth study:  (summarized by AEI economist)

When the [Bureau of Labor Statistics] reports that women working full-time in 2018 earned 81.4% of what men earned working full-time, that is very much different from saying that women earned 81.4% of what men earned for doing exactly the same work while working the exact same number of hours in the same occupation, with exactly the same educational background and exactly the same years of continuous, uninterrupted work experience, and with exactly the same marital and family (e.g., number of children) status. As shown above, once we start controlling individually for the many relevant factors that affect earnings, e.g., hours worked, age, marital status, and having children, most of the raw earnings differential disappears.

Fifth study:

This study leads to the unambiguous conclusion that the differences in the compensation of men and women are the result of a multitude of factors and that the raw wage gap should not be used as the basis to justify corrective action. Indeed, there may be nothing to correct. The differences in raw wages may be almost entirely the result of the individual choices being made by both male and female workers.

I think that women are entitled to make their own decisions, but they aren’t allowed to force the rest of us to subsidize their failures and celebrate their destructive outcomes.

I could go on, but I think enough has been said to show that research is very much at odds with feminist rhetoric. They feel they know what will make them happy and we gave them everything they asked for. They eliminated shaming of promiscuity with sex education. They get preferential treatment in the schools in a female-dominated education system. They are hired because of affirmative action quotas. They get expensive daycare, government schools, welfare and other programs. Taxes are raised to equalize outcomes for divorced women who choose men for feelings, and then nuke their own marriage enterprise. We have been on a long experiment of giving feminists everything they felt they wanted, at the expense of men’s rights and children’s rights, and it hasn’t even produced the results that feminists felt it would.

The social costs of feelings-based decision-making

Let’s look at two examples of policies that feminists asked for in the past, which didn’t work out the way they wanted.

I can understand why feminists would introduce sex education. They felt that “if everyone is having sex, then I won’t be the only one chasing attention from hot no-commitment bad boys by giving them recreational sex before marriage”.  They wanted to eliminate the standards of chastity and marriage-focused dating and normalize fun-focused drunken promiscuity. And they got that. But since they didn’t consult any research and evidence about how that would affect their future marriage stability and marriage happiness, they are even more unhappy than before.

How about no-fault divorce? No-fault divorce was brought in by a coalition of feminists, Marxists and trial lawyers. The Marxists want to destroy the family in order to increase dependence on the state. The trial lawyers wanted to make money. And the feminists thought that the standard approach to courting and marriage was just too much work. They didn’t want to be chaste. They didn’t want to be sober. They didn’t want to evaluate a man for traditional husband and father roles. The no-fault divorce laws gave them an escape from the messes caused by their own feelings-driven choices. But divorce just makes makes men and women much poorer, and passes the costs of supporting single mothers onto taxpayers.

And the costs of the failures of feminism are passed onto taxpayers.

Consider this study:

This paper examines the growth of government during this century as a result of giving women the right to vote. Using cross-sectional time-series data for 1870–1940, we examine state government expenditures and revenue as well as voting by U.S. House and Senate state delegations and the passage of a wide range of different state laws. Suffrage coincided with immediate increases in state government expenditures and revenue and more liberal voting patterns for federal representatives, and these effects continued growing over time as more women took advantage of the franchise. Contrary to many recent suggestions, the gender gap is not something that has arisen since the 1970s, and it helps explain why American government started growing when it did.

We are already $28 trillion in debt, partly because of feminism’s replacement of husbands and families with higher taxes and big government. Every time we transfer money from tax-paying men to feminists to fix their mistakes, it leaves less money in the hands of the men who actually want to get married. The declining value of marriage after feminism for men explains why marriage is being delayed, and why marriage rates are plunging.