This forum just wouldn’t be complete without a marriage thread.
Personally, I am not married nor do I ever plan on marrying. I have been with my gf for a little over 6 years. In the beginning of our relationship, I wasn’t necessarily anti-marriage, but my views evolved fairly early on, within the first year of the relationship. At the time, there was definitely some friction around this topic, but now, this is not an issue anymore.
Main reasons for not being married:
- Taxes - although to be honest, I have never completed our tax returns as married, filing jointly just for comparison purposes, I do believe that at our income level (~$200k gross combined), taxes would be higher if we were married. This penalty would only grow larger as our incomes increase and we have children
- Wedding costs - A diamond ring + even a modest wedding costs a significant amount of money. Sure, there are many ways to save money on costs, or even get married without having an actual wedding. Hey, let’s start our lives together! Ok, but let’s spend all of our money on the first day
- Retirement savings - This isn’t really an issue at the present time due to our current situation, but this is something that will be an issue in a few years. The phase-out limits for IRAs are different if you are single vs. if you are married. The married rate is not 2x the single rate! Same is true for a lot of tax credits.
- In case of separation - Obviously nobody goes into a relationship expecting to break up, but something shit happens. You don’t buy car insurance because you expect to have a car accident, but you have it just in case one does happen. Not being married helps avoid nasty divorces, alimony, etc.
Maybe later on in life, once we are past our prime earning years, we would consider marriage if it was clearly beneficial for us. I am sure there are many other reasons besides the ones I listed for not being married. There are many reasons to get married as well.