Tag Archives: Folly

News

New study: 1 in 8 divorces is caused by student loan debt

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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.

News

New study: virgins have happiest marriages, more sex partners means more unhappiness

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Although we live in a culture that is dominated by the thoughts and opinions of secular leftists, science provides useful information for those who want defend Biblical morality. Consider the issue of sexuality and marriage. Secular leftists claim that sex outside of marriage is natural, and produces happiness. Bible believing Christians and Jews say chastity is best. Who is right?

Here is the latest study authored by Dr. Nicholas Wolfinger, a sociologist at the University of Utah. His previous book on relationships was published by Oxford University Press. In his analysis of the data, Wolfinger controlled for divorce rates, religiosity, and socioeconomic status.

Here’s the most important graph:

Study: virgins have the happiest marriages, more partners means less happiness
Study: virgins have the happiest marriages, more partners means less happiness

Other factors that increased marital happiness: having a 4-year college degree (5%), having a salary > 78K (5%), regular church attendance (6%). Notice that women are more dissatisfied with marriage (in general) than men are, and they tend to blame the spouse they freely chose for that unhappiness.

The Federalist also reported on previous research relevant to this study:

Psychologists Galena K. Rhoades and Scott M. Stanley found that women who have had sex with someone other than their husband report statistically significant drops in marital quality over those who don’t. A 2004 study by sociologist Jay Teachman showed that intimate premarital activities such as cohabitation and intercourse increased the rate of marital dissolution by anywhere between 28 and 109 percent, depending on the activity.

Wolfinger also noted in a previous study that only 5% of women were virgins when they married.

Wolfinger noted that a possible explanation for the link between promiscuity and unhappiness is that people look back on their past partners and compare their spouse unfavorably to them. This is especially the case with women. My concern about this is that feminism has taught women to try to increase their social standing by having hook-up sex with attractive bad boys. If those women ever marry, they do it when they are older, less fertile, and less attractive. The husband they eventually “settle” for will (in their minds) always compare unfavorably to the hot bad boys they had sex with when they were younger and prettier. This, I believe, is what leads to their unhappiness with the man they chose to marry.

More partners also means more marital instability

In a previous post, I blogged about several studies linking virginity to marital stability. Couples who don’t have sex before marriage, or even who delayed it, reported better communication, higher satisfaction, better quality sex, and a lower chance of divorce.

Men ought to be aware of this research when they are choosing a spouse. Women initiate 69% of divorces, and the most common reason given is “unhappiness”. Well, now we know what’s causing that unhappiness – a high number of sexual partners prior to marrying. Smart men should prefer a virgin, for the increased happiness and increased stability. A large number of past sexual partners teaches women that relationships are engines for them to be happy, not commitments that are permanent and exclusive. They’ll have internalized the view that relationships are not commitments to invest in self-sacrificially. The pattern will be: “if it doesn’t make me feel happy right now, then it should be ended”. It will be seen as the man’s fault that she is unhappy, even if the study I talked about above shows the real reason is her past promiscuity. Men who aren’t serious about evaluating the character of the women for the marriage enterprise are running the risk of divorce, it’s that simple.

The best way to make sure that you have a clear head when evaluating a woman is to stay sober, and keep her hands off of you. When a man refuses to let a woman cloud his judgment with sex, then she is forced to learn how to love him in marriage-oriented ways, e.g. – help him, support him, and submit to his leadership. Male chastity encourages women who have been influenced by feminism to abandon selfishness, fun-seeking, and thrill-seeking, so that they learn to care for others. Male chastity also helps a man to resist older women who chose bad boys in their teens and 20s and want to get married to a good provider in their 30s. The studies discussed above clearly show that such women are more likely to be unhappy, and their future marriages are more likely to be unstable. Avoid them. You don’t want to be in a marriage to someone who isn’t very good at it, because she never prepared herself for it.

News

New study: 1 in 8 divorces is caused by student loan debt

1 Comment

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.