New 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.

Bible study: Was the resurrection body of Jesus spiritual or physical?

Sherlock Holmes and John Watson are going to take a look at the data
Sherlock Holmes and John Watson are going to take a look at the data

So, everyone from left to right accepts the early creed in 1 Corinthians 15:3-7 being dated to 1-3 years after the death of Jesus, even atheists like Crossley, Ludemann and Crossan. The thing is, some people are not sure that the appearances of Jesus to individuals, groups, and skeptics really were physical appearances. They say “well, Paul’s appearance was non-physical, so the other ones must have been, too”.

Let’s take a look.

Here’s a paragraph from my friend Eric Chabot, from his blog Think Apologetics. He explains why Paul’s use of the word “resurrection” to describe what the other witnesses saw means bodily resurrection.

He writes:

If Paul did have a vision then the term “vision” is vague and must be defined. As Licona points out, visions are either objective (i.e., something that is seen without the use of our natural senses) or subjective (i.e., a  product of our minds). The real  problem is with the vision hypothesis is that it doesn’t explain Paul’s use of resurrection to explain what had happened to Jesus.  The two words are used for resurrection in the New Testament “anastasis” (rising up) and “egersis” (waking up), both imply a physical body. Furthermore, the use of the word “opethe” (the Greek word for appeared) shows the Gospel writers did believe that Jesus appeared physically. “There you will see (opethe) him” (Matt. 28:7); “The Lord has risen and has appeared (opethe) to Simon” (Luke 24:24). When they used “opethe” here, it means that He appeared physically to them.

So when Paul gives his list of appearances in 1 Cor. 15, the issues becomes whether the appearance to him is the same as it was to the disciples. There is no doubt the post resurrection body of Jesus (after the ascension) had to be somewhat different than the body the disciples saw. Also, whenever the New Testament mentions the word body, in the context of referring to an individual human being, the Greek word “soma” always refers to a literal, physical body.Greek specialist Robert Gundry says “the consistent and exclusive use of soma for the physical body in anthropological contexts resists dematerialization of the resurrection, whether by idealism or by existentialism.” [9] Furthermore, in N.T. Wright’s  The Resurrection of the Son of God shows that the Greek word for resurrection which is “anastasis” was used by ancient Jews, pagans, and Christians as bodily in nature.

Now, I think my view on this, and I’m not sure if Eric would correct me, is that Paul got an objective but non-physical vision of Jesus. There was something there that everyone else could see and hear, in my view. But in my view Paul’s “veridical” vision was post-ascension, and so non-physical. Paul uses the word resurrection to describe what the other eyewitnesses saw (and he met them at least twice, according to Gal 1 and Gal 2), and that means physical resurrected body.

Eric Chabot writes this in another place:

Acts 9- Paul’s Damascus Road Experience

Here we see whatever happened,  this was after the ascension. Hence, to say Paul saw the exact same Jesus before he ascended is hard to infer from the text. There simply isn’t enough information here.  The Bible says, “they heard” the same voice Paul did ” (Acts 9: 7). But they “did not see anyone ” (Acts 9: 7). Notice  Paul was physically blinded by the brightness of the light.  One way or the other, the experience involved something that was external to Paul. It wasn’t something that was the same thing as a vision that Paul talks about in 2 Cor. 12:1.  Furthermore, the phrase “he let himself be seen’” (ōphthē , aorist passive, ), is the word Paul uses  in 1 Cor. 15:7 to describe of his own resurrection appearance as the other ones in the creed. As Paul Barnett says:

“It is sometimes claimed that the word appeared (ōphthē) means a mystical seeing, as of a vision, and that since this was what Paul “saw” it was what the other apostles “saw.” In other words, after death, Jesus was taken directly to heaven whence he “appeared” to various people, mystically, as it were. This however, is not all the meaning of Paul’s words. First, the word ōphthē, “appeared” is not limited to visionary seeing it is also used for physical seeing. Moreover, the verb raise used in the phrase ‘raised on the third day” is used elsewhere in combination with the words “from the dead” which literally means “from among the corpses.” Thus raised preceding  appeared gives the latter a physical not a mystical meaning. Christ, as “raised from the dead” ….appeared.”  Furthermore, when Paul asks “ Am I not free? Am I not an apostle? Have I not seen Jesus our Lord?”(1 Cor. 9: 1), he is using the ordinary word horan, “to see” for physical sight. If “seeing” the Lord “raised from the dead” qualified others to be apostles, then Paul is, indeed, an apostle. It was no mere subjective vision that arrested Paul en route to Damascus. (8) .

In the end, word studies can’t entirely resolve this issue. We need to remember the etymological fallacy as well. We  would have to look at all the texts that speak of resurrection (including the entire 1 Cor. 15 chapter in their entire context as well as the anthropology of the New Testament. We also need to study the resurrection in light of the Second Temple Jewish period. See our reading list here for some resources that may help.

But conservative ancient historian Gary Habermas seems to think that Paul got the physical body as well.

He says:

Now, I said before in 1 Corinthians 15, Paul could have chosen to only use the word pneuma. He doesn’t. He does say “spiritual,” but he’s got an adjective there. He also says, soma, “body.” What did Paul mean?

Philippians Chapter 3. It’s a short chapter. There are 21 verses, but Paul says three things in one chapter that indicate he’s talking about a physical resurrection. In the opening verses he says, “I was a Hebrew of the Hebrews” and “as touching the law,” he says, “I was a Pharisee.” Now, it’s very well known that the Pharisee believed in a bodily resurrection. In fact, according to Acts 23, as Paul was being taken captive by the Romans to prevent his being killed, he shouted out to the group of people and said, “Why are you taking me? Because I believe in the resurrec­tion of the dead?” He meant a literal resurrection.
When the Pharisees heard that, they said there’s nothing wrong with this guy. But the Sadducees [who didn’t believe in the Resurrection] didn’t like it. So as a Pharisee, he’s agreeing with the Pharisees.
So, the first evidence is from Philippians 3. As a Pharisee, Paul believes in a physical resur­rection.
Secondly, in verse 11 he says, “That I may attain the resurrection of the dead.” Now, the normal Greek word for resurrection is anastasis, but in this passage, Philippians 3:11, he puts a prefix on there, ek anastasis. Ekanastasis, according to all Greek scholars that I know of, is translated in this passage: “The out resurrection from among the dead.” Paul said, “I want to attain the out resurrection.”
Now, to a Jew, “out resurrection” means “what goes down is what comes up.” You come out from death. And then just a few verses later, Philippians 3:20,21, he said, “From Heaven, we look for Jesus who will change our vile soma (body) to be like unto His glorious soma (or body),” when he should have said pneuma, according to this other view.
So he’s a Pharisee who believes in a physical resurrection. Ek anastasis—“resurrection from out among the dead ones.”
Thirdly, Paul says, “He Jesus will change my body to be like His body.”

So right there in Philippians 3 alone, I think the picture of Jesus being some wispy spirit that appeared to him on the road to Damascus doesn’t fit Paul’s own data.

Yes, that’s why Philippians is my favorite book. You can get so much useful theology out of it. Something about the resurrection in Phil 3, something about Jesus’ divinity in Phil 2, and loads of practical advice on stewardship, charity, fellowship, endurance and practical love for others throughout. Some of it takes a little digging, but that’s what commentaries are for, am I right? But I digress.

If you want to read something a little more challenging, I found a paper from the Evangelical Theological Society (ETS) from their journal, where it talks more about soma and anastasis. If you want a bit of a challenge, download the PDF and read it. It’s by Kirk R. MacGregor and the title is “1 Corinthians 15:3B–6A, 7 And The Bodily Resurrection Of Jesus”.

Nevada Democrat Congressman admits sex scandal with former intern

It's another pro-abortion Democrat / hot underage intern scandal
It’s another pro-abortion Democrat / hot underage intern scandal

Should you marry a Democrat? Steven Horsford’s wife did. She thought that a man who supports abortion and gay marriage would make a fine husband. Well, there are certain minimum behaviors that any husband should exhibit, two of them being self-control and integrity. His wife thought that she didn’t need to evaluate his religion or morality before marrying him. She was wrong.

The Washington Times has the story:

Democratic Congressman Steven Horsford of Nevada on Saturday acknowledged he had an extramarital affair with a woman who said the on-and-off relationship began in 2009 before ending last September.

Horsford, 47, in a statement released to The Associated Press responded to a report by the Las Vegas Review-Journal that he had an affair with Gabriela Linder, who previously had shared her story on podcasts and Twitter posts through a pseudonym before she was interviewed Friday by the newspaper.

[…]Horsford’s House bio says he and his wife have three children.

A spokeswoman for Horsford indicated he does not plan to resign, as at least one Republican opponent suggested.

[…]Linder told the the Review-Journal she was 21 and an intern for then-Sen. Harry Reid in his Las Vegas office when she met Horsford, then majority leader of the Nevada Senate.

Apparently, this Democrat man campaigned on being a “family man” and a “man of God”. I’m struggling to see how you square that with having a 0% conservative rating from the Heritage Foundation, and having an affair with an intern much younger than you. But that’s not surprising given how Democrat men act these days. If you’re willing to abort unborn children, then you’re willing to do anything morally wrong. Why would any woman marry a man like this? Morality is important for a successful marriage. You can’t just marry a psychopath and then expect things to work out somehow.

Daily Wire notes:

Horsford ran for Congress in 2018 after Democrat Rep. Ruben Kihuen (NV) did not run for re-election after facing sexual harassment allegations during the height of the #MeToo movement.

The House Ethics Committee later concluded that Kihuen violated the House’s code of conduct, writing in a report: “Kihuen made persistent and unwanted advances towards women who were required to interact with him as part of their professional responsibilities.”

Horsford’s sex scandal comes after Democrat Rep. Katie Hill (CA) resigned last year due to a sex scandal, and the Republican Party flipped her seat this year, the first time the party flipped a seat in California in over 20 years, when former Navy fighter pilot Mike Garcia won last week.

Several other House Democrats have faced allegations of sex scandals or investigations into possible sex scandals during the current congressional term, including Rep. Ilhan Omar (D-MN), Rep. Alcee Hastings (D-FL), and Delegate Michael F. Q. San Nicolas of Guam (non-voting member).

Don’t forget about other Democrats like Bill Clinton, Anthony Weiner, Eliot Spitzer, Eric Schneiderman, Ed Murray, Katie Hill, etc. It seems like they are always involved in sex scandals. And in fact you can even see wealthy Democrat mega-donors like Jeffrey Epstein and Terry Bean getting charged with having sex with underage people all the time. (Terry Bean is the co-founder of the Human Rights Campaign, the largest gay rights group in the nation).

Now I have a question for you. What is it that young Democrat women are hoping to achieve by supporting the party of sexual deviance? Do they think that this will lead them to a faithful man, a stable marriage, well-behaved children and a peaceful home? If so, then maybe we ought to be having talks with young women about what sort of worldview rationally grounds self-sacrificial love, commitment, and objective moral obligations. It sure isn’t the secular leftist nihilistic worldview of the Democrat party. If they want a Mike Pence marriage, then why not tell them to evaluate men for the Mike Pence Christian worldview?

There is a plan for a Republican to take the seat back, though:

Five lesser known candidates have filed to challenge Horsford in the 2020 Democratic primary while eight Republicans and a Libertarian filed to run for their nominations. The Republicans include former Nevada Assemblyman Jim Marchant, Nye County Commissioner Leo Blundo and Lisa Song Sutton, a business owner and former Miss Nevada.

Sutton on Saturday called for Horsford to resign from Congress and for the House Ethics Committee to investigate his conduct.

Sutton noted that then-Rep. Ruben Kihuen, a one-term Democrat, did not run for reelection in the 4th District in 2018 following allegations of sexual harassment.

“This seat has been plagued by distractions and scandals by men who cannot stay focused on their responsibilities because they are too busy chasing women,” Sutton said. “Horsford is not fit to lead us. His family will be in my prayers.”

As a bonus, I noticed that Sutton is the daughter of a Korean mother who immigrated legally to the United States. That’s exactly the kind of candidate we need to deflect the ridiculous accusations of racism and sexism from the secular left.