Tag Archives: Marriage

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.

Frank Turek lectures on the case against same-sex marriage

About the speaker Frank Turek:

Dr. Frank Turek is a dynamic speaker and award-winning author or coauthor of four books: Stealing from God:  Why Atheists Need God to make their Case, I Don’t Have Enough Faith to be an Atheist, Correct, Not Politically Correct and Legislating Morality. As the President of CrossExamined.org, Frank presents powerful and entertaining evidence for Christianity at churches, high schools and at secular college campuses that often begin hostile to his message. He has also debated several prominent atheists including Christopher Hitchens and David Silverman, president of American Atheists.

Frank hosts an hour-long TV program each week called I Don’t Have Enough Faith to Be an Atheist that is broadcast Wednesday nights on DirecTV Channel 378 (the NRB Network). His radio program called CrossExamined with Frank Turek airs on 122 stations every Saturday morning at 10 a.m. eastern and is available continuously on the free CrossExamined App.

A former aviator in the US Navy, Frank has a master’s degree from the George Washington University and a doctorate from Southern Evangelical Seminary.  He and his wife, Stephanie, are blessed with three grown sons.

Frank Turek is one of my favorite speakers, and I admire him for being willing to take a public stand on controversial issues like gay marriage. He’s actually had to pay a price for that in his professional life, and I blogged about that before.

Here’s the lecture on gay marriage, featuring Christian apologist Frank Turek.

Outline:

Outline of Frank Turek's lecture on same sex marriage
Outline of Frank Turek’s lecture on same sex marriage

Introduction:

  • how to present your case against marriage safely
  • Christians are required to go beyond tolerance
  • loving another person can mean opposing the person when they want to do something wrong, even if they hate you
  • what did Jesus say about marriage? (see Matt 19:4-6)
  • what did Jesus say about sexual morality? (Matt 15, Matt 19)

Summary:

  • the same-sex marriage debate is about whether to compel people who disagree with the gay lifestyle to validate and normalize it
  • P1: the government has an interest in marriage because it perpetuates and stabilizes society – this is the purpose of marriage
  • P2-4: government can take 3 kinds of stances towards behaviors: promote, permit or prohibit
  • government promotes behaviors when it has an interest in them
  • same-sex relationships should be permitted, but not promoted
  • Q1: if same-sex marriage had serious negative consequences, would you reconsider their position?
  • Q2: are heterosexual relationships the same as homosexual relationships?
  • Q3: what would society be like if everyone married according to the natural marriage definition: one woman, one man, for life?
  • Q4: what would society be like if everyone married according to the same-sex marriage definition: man/man and woman/woman?
  • Should Christians care about law and politics? or should they just preach the gospel?
  • They should care because people often get their cues about what is moral and immoral based on what is legal and illegal
  • Many of the social problems we see today can be traced back to problems with marriage and family
  • Children do much better when they have a relationship with their mother and their father
  • Same-sex marriage necessarily destroys the relationship between a child and its mother or its father
  • When a country embraces same-sex marriage, it reinforces the idea that marriage is not about making and raising children
  • same-sex marriage shifts the focus away from the needs of the children to the feelings of desires of the selfish adults
  • does homosexuality impose any health and mental health risks?
  • what has the impact of legalizing same-sex marriage been in Massachusetts to individuals, schools, businesses and charities?
  • how same-sex marriage poses a threat to religious liberty
  • how should you respond to the view that homosexuality is genetic?

And at the very end, he shows this short video, which is only 5 minutes and explains the logic of opposing the redefinition of marriage:

My biggest concern is religious liberty, and we are seeing how same-sex marriage has proven to be incompatible with religious liberty. But I also care about children… I want them to have mothers and fathers who put their needs first. Marriage is about a commitment – it is the subjugation of feelings and desires to responsibilities and obligations. It is a promise. A promise to commit to love your spouse and children regardless of feelings and desires. It requires more self-denial, self-control and self-sacrifice. Not less.

More and more women are asking why they can’t find a good man to marry

Do young women understand how to get to a stable marriage?
Do young women understand how to get to a stable marriage?

In the last few months, I’ve met 5 different Christian women in their 30s who all asked me the same question: where are all the good men who want to marry me?

Christian men’s rights blogger Dalrock had two different posts where he described the answer to this question.

Here is the first post from Dalrock that concisely illustrates the problem:

As I wrote in A very long season, feminists don’t want to waste a day more of their youth and fertility on their husbands than absolutely necessary. As if to prove this very point, 30 year old Mona Chalabi writes in the NY Times* I Want My 2.3 Bonus Years:

If I could prolong my time as a young adult by, say, 2.3 years, here is a list of things I would like to do:

• Go to more parties. Preferably wild parties that I can think about, years later, at mild parties.

[…]• Have more romantic partners.

[…]• Get a bit higher up the career ladder a bit earlier on. That would probably boost my earnings, giving me more financial security. I could use that money to go to more parties, get a membership to a fancy gym and maybe even meet a romantic partner on the ab machines.

To drive the message home, the image at the top of the article is a cartoon of a resentful Chalabi giving her future husband the side eye for her lost years of sampling penises!

Surely, this must be an isolated case just for New York Times feminists, right? It’s not widespread, is it?

Second post from Dalrock:

Margaret Wente at the Globe and Mail* asks where all the good men have gone.  Wente comes to the conclusion that women need a sex cartel:

…it’s up to us to make the rules. “Why buy the cow when you can get the milk for free?” my father used to say. It drove me crazy when he said that. Now, it’s dawned on me that he was right.

Since the women’s cartel collapsed, women’s bargaining power has seriously eroded. That’s why so many single women hate Tinder, which has further commodified sex for the benefit of men. Women are just another consumer good in the shop window.

The apex fallacy aside, Wente is partially right.  Women (as a group) have signaled to men that what they really want are exciting sexy badboys, not boring loyal dudes. It isn’t that women no longer want to marry beta providers, they just don’t want to waste a day more of their youth and fertility on their husband than absolutely necessary.

As a result, some up and coming boring loyal dudes aren’t knocking themselves out in their twenties while they wait for their future wife to tire of having sex with other men.

If you wonder why men are no longer performing in school, and exchanging careers for video games, the answer is simple. Men have realized that young women today, under the influence of feminism, are not interested in traditional husbands during their late teens and 20s. During these years, women are interested in travel, fun, drinking, hook-ups and cohabitation with amoral atheists. This is what I have personally observed. In the minds of young women, the highest value men are good-looking men who have no religion, and make no moral judgments, and are left of center politically – especially on abortion.

There are actually many other men who don’t meet this standard – marriage-minded men – who want to get married young and have children. But when these men see what young women really want, they just give up on school and work, since doing the traditional male roles has no value to young women. Many good men even give up on morality and Christianity, because they want a relationship with a woman so badly. They know that women don’t want marriage-minded men when women are youngest and prettiest.

More from second post:

What Wente doesn’t understand is that timing is everything.  From an economic point of view, women are dividing up sexual access that traditionally would have been reserved only for their husband into two blocks.  The first block contains their most attractive and fertile years, and it is dedicated to no strings sex with exciting badboys.  Then, once women reach what Rollo calls the epiphany phase, they want to bargain sexual access in their remaining (older and less fertile) years for maximum beta bucks.

The problem with this strategy is (generally speaking) not that the previously overlooked beta men will refuse to marry the suddenly reformed party girls.  The problem is that young men now look at the men 3-5 (and even 5-10) years older than them and don’t see an indication that signaling provider status will make them attractive to women.  They also see a society that holds married fathers in contempt**.  Most of these men are still working hard in their late teens and twenties to prepare to signal provider status in their 30s.  But a growing minority of young men are no longer doing so.  These men are instead working like women.  Once the reformed party girls are ready to find Mr. Beta Bucks, there is a shortage of 30 something men who fit the bill.  Even worse, no amount of complaining or shaming will cause the missing beta providers to go back in time and spend the prior decade preparing for this moment.

I’m one of the last men who followed the marriage-preparedness script for traditional men who wanted to marry and have four children and have a stay-at-home homeschooling mom to raise them from birth to graduate school. I find myself now in my mid-40s, with a 6-figure income and a 7-figure net worth. I never used my success to play the field with hot bad girls. I wanted to keep my sexual past completely clean for my eventual wife. However, what I observed in my late teens and 20s and even early 30s was a complete lack of interest in marriage ability, from non-Christian women and Christian women alike. Christian women aren’t learning to value early marriage from their married parents or their evangelical churches. None of the traditional husband skills are valued by young women, i.e. – chastity, gapless resume, alcohol abstinence, undergraduate and graduate STEM degrees, experience nurturing and mentoring others, stewardship of earned income.

I recently caused an uproar on my Facebook page by saying that even if the perfect woman showed up right now to marry me, I would not pursue her because the critical time where the woman could have applied maximum youth, beauty and fertility as a wife to make an impact on my education, early career, health, and finances has passed. A younger woman develops value to her husband precisely by applying herself to him and to her family in these critical early years. Men who have experienced this self-sacrificial love and support are loyal to their wives even after their wives lose their youth and beauty. Why? Because the men know that they are much better than they could have been, having enjoyed that early investment of value made by their young wives.

Young women very supportive of premarital sex
Young women very supportive of premarital sex

As Christian writer Matt Walsh notes in a recent article at the Daily Wire, this “follow your heart” focus on happiness in women is lethal to marital stability, and men know it.

Excerpt:

There was an article in Cosmo this week with a title that summarizes all that’s wrong with Cosmo and modern society as a whole: “I eloped at 25, divorced at 26, and dated my way across Europe all summer.” Of course, by “dated my way across Europe” she means that she slept with half the continent.

The author, Elise, says she “started fighting” with her husband and within a few months they both decided that their differences were irreconcilable. Despite counseling, she says, “neither of us was happy.” So, exhausted from 12 whole months of marriage, Elise embarked on a voyage of self-discovery and STD cultivation. She met random dudes in half a dozen countries and had sex with them, learning quite a lot as she went, though she can’t really explain what exactly she learned or why sex was a necessary component in learning it. Finally, she came home and started dating some other guy. The end.

Well, not really the end. 20 years from now I’m sure we’ll get the follow up article: “I’m alone and miserable and it’s everyone’s fault but mine.” After all, you may be able to fill the emptiness in your soul with frivolous sex when you’re young and physically desirable, but that phase is fleeting. People who don’t want to “waste” their beauty and youth on a spouse, so they waste it instead on strangers who don’t love them or even care what happens to them tomorrow, will be shocked when a tomorrow comes where even strangers aren’t interested anymore. This is where the single-minded, utterly selfish pursuit of “happiness” at all costs inevitably leads: to rejection, despair, and a quiet, unnoticed death on a lonely hospital bed.

As Elise helpfully demonstrated, “do what makes you happy” is poison in a marriage. Many a vow has been broken because one or both partners decide to chase “happiness” instead of commitment, fidelity, and love. “I deserve to be happy,” reports the legion of serial divorcees, as they drift on to the next spouse, and the next, and the next, and the next, looking for the one — the one, finally — who might cure the misery they’ve inflicted on themselves. Increasingly unhappy, yet increasingly convinced that they deserve to be.

And this follow your heart to happiness situation is alive and well in the church today. Marriage-minded Christian men who have prepared for husband roles are surprised to find that there is often little or no difference between Elise and the Christian women the church produces. Christian men who desire to invest in a marriage that is stable, productive and influential have nowhere to turn for a wife who is able and willing to help. In my experience, the problem with happiness-focused women who delay marriage is never discussed in churches from the pulpit. The “good men to marry” that today’s 30-something women are looking for were plentiful back when those same women were in their early-to-mid 20s.