Tag Archives: Selfishness

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.

Should Christians be motivated by the fear of missing out (FOMO)?

Bible study that hits the spot
Bible study that hits the spot

My best friend Dina and I recently spent some time talking over some articles that we found on the culture. We specifically talked about what is motivating young people, so I wanted to write something about that.

FOMO: Fear Of Missing Out

Here’s a leftist New York Times article explaining where FOMO comes from:

It’s known as FOMO, or “fear of missing out,” and refers to the blend of anxiety, inadequacy and irritation that can flare up while skimming social media like Facebook, Twitter, Foursquare and Instagram. Billions of Twitter messages, status updates and photographs provide thrilling glimpses of the daily lives and activities of friends, “frenemies,” co-workers and peers.

[…]When we scroll through pictures and status updates, the worry that tugs at the corners of our minds is set off by the fear of regret, according to Dan Ariely, author of “Predictably Irrational” and a professor of psychology and behavioral economics at Duke University. He says we become afraid that we’ve made the wrong decision about how to spend our time.

[…]A friend who works in advertising told me that she felt fine about her life — until she opened Facebook. “Then I’m thinking, ‘I am 28, with three roommates, and oh, it looks like you have a precious baby and a mortgage,’ ” she said. “And then I wanna die.”

It’s like they want to run a race to do fun and exotic things with their peers, and not finish last.

Anyway, I want to begin this post with examples of FOMO behavior I have personally encountered.

FOMO Travel

Dina and I read and discussed this article by Alain de Botton in The European – notice the emphasis on travel and having fun, sophisticated experiences:

We’re continually being bombarded with suggestions about what we might do (go jet skiing, study in Colorado, visit the Maldives or see the Pyramids). We’re always hearing of the amazing things friends have done or are going to do: ‘there was this great bar we all went to …’; ‘she’s getting married in a little country church, then we’re having a picnic…’; ‘the sun was glinting on Sydney Harbour…’ There are endless hints of the allure of life in other places: an article about family-friendly restaurants in Brooklyn, a crime novel set in Trieste, the departure board at the airport with its list of places only a plane trip away: Moscow, Bangkok, Addis Ababa… The modern world makes sure we know at all times just how much we’re missing. It is a culture in which intense and painful doses of FOMO (Fear Of Missing Out) are almost inevitable.

What’s interesting is this – how does FOMO travel affect young, unmarried Christians?

Travel through missions work seems to be the FOMO activity of choice for at least a few young, unmarried Christians. One of my best friends who is married to another of my best friends told me about her missions trip to a European country. I asked her why she did it, since it meant lost savings, lost earnings, lost work experience, etc. (She gave up a year of earnings, and she had a great job in engineering). Her answer was that she did it for the adventure. I have a hard time hearing Jesus say that he was going to do something because he was bored and wanted an adventure. Especially when it’s $30,000 in costs, $60,000 of lost income, and lost work experience – per year. This was before the time of the Internet, though, when missionary work actually made sense. I just don’t think it’s worth spending that kind of money for the impact you make. The people I know who went on missionary trips just wanted to feel spiritual, look spiritual, and have a fun “life experience” vacation. One missionary told me that she was desperate to get away from her boring mid-Western roots.

If you really want to share Christ effectively with people in other countries, then you can start a blog and pay the tiny costs for it out of your earnings from your day job – that’s what I do. I get more people from Europe reading my blog than I could contact in a year of missionary work. I Skype with the people who are interested in Christianity from these countries (Scotland, Northern Ireland, England, Canada, etc.), as well. Meanwhile, I keep working my not-exciting job, so my savings increase, and my resume remains gap-less. This is good stewardship of finances, and self-denial prepares your character for the hard work of marriage and parenting. The Bible says that those who do not work should not eat. And Paul says that he built tents so that no one could accuse him of taking on missionary work for financial gain.

You can tell whether a person is sincere in their missionary intentions by looking at how responsible they’ve been in their decision-making. If a person has gone into debt paying for fun, thrilling activities like skydiving, ziplining, surfing, etc., then it’s FOMO travel. We must look past the spiritual smokescreen, and tell young people to grow up.

After all, if defending God’s honor was the missionary’s main goal, then the real battlefield would be the university.

Bill Craig puts it best:

If serving God is your goal, look to the university
If serving God is your goal, look to the university

There is already a perfectly fine university right next door – no need to fly to Europe to find one! Remember, the university that took your faith away, or maybe the faith of someone you cared about? Yeah, it’s still sitting there in your home town! And it’s still ruining the lives of thousands of young people, by peer-pressuring them into secular, liberal views – and behaviors. It seems to me that it’s better stewardship to stay here and work, then give money to groups like Reasonable Faith. And you can start a blog, teach in church and invite scholars to the local university, too. That costs almost nothing, and it produces better results.

What about Jesus?

Sometimes, it’s a good idea to look beyond the words of the Bible and reflect on the overall message of it at a higher level. When I look in the Bible, I see that Jesus went through a lot of suffering in obedience to God in order to secure the salvation of people who did not even like him. And it’s from this sacrifice on our behalf that his claim on our obedience comes. There are things that I don’t like to do that I do anyway because they work to serve God. Jesus life’s ambition was not to do things that were easy, or that made him happy. Experienced Christians do things that are not fun, because these things are right and because they solve the real problem.

New study: the majority (69%) of divorces are initiated by women

Is it OK to tell women they are wrong?
Is this “I’ll do what I want” attitude compatible with life-long married love?

This new report from Live Science gives us some numbers about who initiates divorces most frequently.

It says:

Women are more likely than men to initiate divorce in the United States, but they are no more likely than men to initiate breakups in a dating relationship, a new study finds.

“The breakups of nonmarital heterosexual relationships in the U.S. are quite gender-neutral and fairly egalitarian,” study author Michael Rosenfeld, an associate professor of sociology at Stanford University, said in a statement. “This was a surprise because the only prior research that had been done on who wanted the breakup was research on marital divorces.”

Previous research had found that women are more likely to initiate divorce, at least in the United States, Europe and Australia. In the new study, Rosenfeld compared divorces to nonmarital breakups, in an effort to understand the driving forces behind each type of breakup.

To investigate, he looked at data from the 2009 to 2015 waves of How Couples Meet and Stay Together, a nationally representative survey spearheaded by Rosenfeld and his colleagues. The new study includes 2,262 adults, ages 19 to 64, who reported having opposite-sex partners in 2009. By 2015, 371 of the participants had broken up or gotten divorced.

Women initiated 69 percent of the 92 divorces, Rosenfeld found. But there was no statistically significant difference between women and men when it came to nonmarital breakups, regardless of whether they were living together, he said.

The Ruth Institute reports on a few studies:

Female unions seem to have the highest divorce rates, followed by male unions, followed by opposite sex unions.

“For Sweden, the divorce risk for partnerships of men is 50% higher than the risk for heterosexual marriages, and that the divorce risk for female partnerships is nearly double that for men.”

“For Norway, divorce risks are 77% higher in lesbian partnerships than in those of gay men.”  (The Norwegian data did not include a comparison with opposite sex couples.)

In California, the data is collected a little differently. The study looks at couples who describe themselves as partners, whether same sex or opposite sex. The study asks the question, how likely is it that these couples live in the same household five years later. Male couples were only 30% as likely, while female couples were less that 25% as likely, as heterosexual married couples, to be residing in the same household for five years.

It really seems as if there is something about women in particular that causes them to be unable to keep to commitments in their actions, despite what they might say with their words.

So I am seeing a couple of problems in young, unmarried women that might explain this.

Feminism is bad

First, there is the feminism. Feminism was the driving force behind no-fault divorce. Today, young unmarried women are being taught to view marriage as stifling to their freedom. So if they do get married, they are often resolved that marriage should not affect their freedom in any way. That is just not the way marriage works, though – both spouses need to be equally ready to have their freedom infringed upon by things that HAVE TO GET DONE. Lots of things that have to get done will not be fun, thrilling or amusing – and that’s why it’s good to be prepared to do them before you marry.

My friend Dina says that she only knows one happily married couple from among her friends. The most frequent case she sees is wife is working in order to pay for big house, two cars, etc. and wife is denying husband sex, which makes him disengage from the marriage. A working wife tends to not be as responsive to the needs of husband and kids as a non-working wife, probably in part due to work stress. There is an epidemic of sex-withholding by women, and it causes men to disengage from marriage because they feel unloved. Although women tend to rebel against the idea that the man’s bad behavior is their fault, and that there is a “contractual” nature to marriage, that is how marriage works. You cannot stay married, women, by just doing whatever you feel like, and NOT doing whatever you DON’T feel like. Men will disengage when their needs are not supplied, and that’s no fault of theirs. It’s your fault. Denying relationship obligations causes men to underperform.

Feminism is often linked closely to “independence”. There is a lot of confusion over what the word independence means among young, unmarried women. A man uses that word to mean “lack of financial dependence on parents, the state, etc. because of good decisions in education, career and finances”. But a woman means “not having to care about the needs of a man and the leadership of a man, or the needs of children while still getting what I want from men and children”. That attitude is not compatible with life-long married love.

Emotions are bad

Second, emotions. In my experience, young, unmarried women are less likely to have reasoned out their own life plan in a practical step-by-step manner. Instead, they tend to do whatever makes them feel good moment-by-moment without any realistic plan. One Christian woman was recently telling me how attracted she was to an atheist moral relativist who had been promiscuous from the age of 15. She explained that her emotions were kindled by his GQ looks, 6-pack abs, mysterious European accent, seductive manner and witty conversations. Although she is apparently a Christian, she doesn’t take Christianity seriously in her decisions about relationships and marriage.

Peer-approval and culture play a large part in determining what women think is attractive in a man, as well as their life goals, and women are driven by these cultural standards more than men who focus on honoring their commitments regardless of their emotions. In my experience, women struggle to make their day-to-day actions match their socially-acceptable goal of getting married “some day”. Marriage is for “some day” for today’s busy women, but fun and thrills is for today. “Live in the moment”, they often tell me. If you try to talk to them about roles and responsibilities in a marriage, they will withdraw and rebel. But marriage is about each spouse doing his or her job, and feeling content about what the couple is building together. You can’t make life-long married love from emotional craziness and pursuing fun and thrills with seductive promiscuous moral relativist atheists.

How to pick a woman who won’t divorce you

Young men, I advise you to choose wives who have had to do things that they did not feel like doing. That can involve things like getting a STEM degree, getting a job in STEM, moving out of her parents’ house, getting a “boring” job that helps her pay off her debts, keeping commitments when she doesn’t feel like it, and caring for other people and even animals.

Basically, the more the woman has ground down any narcissism and hedonism she may have, by having to do nasty calculus and horrid lab work, the better. The more accustomed she is to constraints, responsibilities, expectations and obligations, the less likely it is that she’ll divorce you for unhappiness. And all of this goes for men, as well. STEM degree, STEM job, save money, serve others, give to charity.

Marriage is not the time for people to be carried away by their emotions. It’s an enterprise, and it works when both people are rational, practical, hard-working and self-controlled.