Should married couples combine finances?

How couples today manage their finances

In relationships, shared bank accounts used to be the default. Not anymore. Many couples maintain separate finances for practical reasons or to retain greater independence, though many couples experience trust issues as a result. This article checks in on the status of relationship finances and highlights, among other insights, how attitudes toward money are often determined by family history.

Run your numbers in this marriage tax calculator

When it comes to federal income taxes, not every couple benefits from getting married. This calculator lets you see how much two specific people might pay if they were to get married based on their individual income levels and more. Specifically, the calculator compares the taxes a married couple would pay if they filed a joint return with what they would pay if they were unmarried and each filed as single.

A third of US couples have opted for a 'sleep divorce'

A 2023 survey of roughly 2,000 US adults showed roughly a third of the participants opted to stay in a different room from their partner at night. Reasons for the so-called "sleep divorce" varied, from snoring issues to offset schedules. The survey, run by the American Academy for Sleep Medicine, also revealed the most sleep divorces within millennials. See the study for more on this change in sleep habits.

Marriage rates are declining, especially in the richest countries

89% of the world’s population now live in countries with falling rates. Increasing costs of living, the financial burden of starting a family, and the rise of secularism are some of the key factors reducing marriage rates among the less affluent.

Marriages are more at risk when the woman is sick

A study tracking 25,000 copies over 18 years revealed marriages tend to end in divorce more often when the woman is sick. Conversely, men's health issues do not impact divorce rates. Researchers noted that increased depression, potentially as a result of financial dependence, contributes to the disparity. Generally, most marriages do not end when a spouse becomes sick.

Jobs that marry each other the most

Out of all married physicians, roughly one in five is married to another physician. The trend extends beyond the medical field. Some professionals are more likely to marry one another than others. Find out which jobs most often pair together among married couples with this interactive tool based on estimates from the American Community Survey. Click here to type in your profession and see your most likely match.

As of 2021, 25% of 40-year-olds in the United States had never been married

If you’re in your forties and without a college degree, you’re significantly less likely to have ever been married now than in the past. Ditto for Black 40-year-olds and middle-aged men. There’s been a huge jump from the 6% of 40-year-olds who had never been married in 1980. Despite the historical significance of marriage, the trend away from wedded bliss has been rising steadily over the past three decades.

Individuals typically spend less time with others as they get older

At younger ages, we spend much of our time with parents, siblings, and friends. Eventually, our lifestyle changes to include work, a spouse, and children of our own. In later life, children often move out, and spouses unfortunately pass away, leading to more time spent alone.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

Long, happy marriages have these important traits

It may not be rocket science, but a lifetime partnership could still use some study. This quick list of smart traits gets into key traits that typically help a marriage remain happy ever after. Using studies from trained therapists and researchers, the article explains how really knowing each other, accepting bids for attention, seeking resolution to conflict, and more are essential to durable marriages. Read it here.

Social scientists hold various beliefs about the role of marriage in our lives

Functionalists believe that marriage fulfills specific needs, while conflict theory highlights inherent power struggles within a couple’s relationship.

Nearly half of millennials and Gen Z use BNPL, versus 21% of older generations

While applicants typically need a good credit score and credit history to qualify for many credit cards, that's not the case with buy now, pay later loans, making them more accessible forms of payment for younger generations.

Does money buy happiness?

Perhaps you've heard of a 2010 study that found more money actually does correlate with an increased level of happiness, but after $75K per year, the happiness level didn't significantly increase. As it turns out, new research has complicated those findings. Listen to this podcast episode for more information.

Gen Z prefers hybrid work over being fully remote

Contrary to popular belief, the younger generation is more likely than their older peers to want employees in the office more often. Millennials seem to have the strongest personal attachment to remote work among the generations, with 41% of remote-capable millennials saying they would be "extremely likely" to look for another job if remote options were partly or entirely eliminated at their workplace.

A spousal IRA allows a working spouse to contribute to an IRA on behalf of their nonworking partner

This ensures both people can build financial security for the future. While it's not a separate account type, this provision requires couples to file a joint tax return to qualify, helping nonearning spouses save for retirement independently.

Visualize America’s retirement savings by age

The median retirement savings for Americans was $87K as of May 2024. Some financial experts might find that number concerning, since a recent Northwestern Mutual survey found that $1.46M is the ideal retirement savings target. A graphic shows the current averages and medians broken down by age group.

History’s largest intergenerational wealth transfer is happening in the next few decades

The founder of a multifamily office firm offers lessons on how to preserve wealth for generations from a global perspective, like educating younger family members.

Roughly 37% of first-time US home buyers have student debt

When those people have extra money, they might wonder: Is it better to pay down my mortgage or my student loans first? This article argues that the answer depends on each loan's interest rate, among other factors.

Financial rules that many FIRE followers live by include guidelines around tax efficiency and more

Many FIRE proponents follow specific financial rules, like the 4% rule, in order to achieve FIRE. They also take steps to create an efficient tax strategy and take advantage of compound interest.

The number of illiquid millionaire households is increasing

"Illiquid" refers to the increasing number of millionaire households who have most of their net worth tied up in housing and retirement accounts.

Read about the situations where a high-yield savings account doesn't make sense

While financial experts often recommend high-yield savings accounts, one expert argues that prioritizing adding more money to one doesn't make sense for someone who has a lot of high-interest debt or isn't taking advantage of their company's 401(k) match.

Mutual funds vs. stocks: Which are better investments?

Mutual funds invest in multiple different companies with money from many investors, while stocks focus on investing in one company with funds from a single investor. There are pros and cons to both, but the weight of them depends on your personal financial goals.

Ancient Chinese marriages began with an elaborate marriage proposal and acceptance between families

The chief objectives of early Chinese marriages involved joining and enhancing the two families and ensuring succession with numerous descendants. Chinese couples still compare astrological signs, although some of the more elaborate rituals of betrothal gifts and sleeping in the “cock loft” are far less common.

How long should you stay at your job?

Is it better to stay at a job longer to make sure you look loyal on your resume, or to job-hop for the resulting pay bumps? After all, Federal Reserve data shows that job switchers increase their salary more quickly on average than those who stay put. This video from CNBC aims to help you figure out the answer to the age-old question of "should I stay or should I go?" Watch it here.

Y Combinator Cofounder Jessica Livingston once interviewed her husband and cofounder, Paul Graham

Two of Y Combinator’s cofounders, Jessica Livingston and Paul Graham, were in a romantic relationship before they started the accelerator. They later married, and much later, Livingston started a podcast. In an episode of her podcast, Livingston and her cohost interview Graham about the beginning of YC and more.

Why financial literacy education in the US sucks

If you don't remember learning anything about basic financial literacy in school, you're not alone—that's the common sentiment among those who have passed through the American school system. This video explains the history of financial education in the US and points out what can be done in the future to make the financial lessons children learn in school stick with them past recess. Watch it here.

Use this tool to calculate the dollar value of your parental mental load, from meal planning to coordinating after-school care, then see resources that help generate solutions.

Explore an interactive map built from more than 100,000 survey responses on where people find joy in their lives

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

Children are now three times more likely to say they want to be a YouTuber when they grow up than an astronaut, with some even attending 'YouTube camps' that teach kids how to create content for the platform.

The United States is one of only around two dozen countries with a fully federal system of government, in which power is divided between national and state governments.

Studies suggest when you sleep is as important as how much you get, and syncing with your circadian rhythms may lead to less fatigue and improved long-term health outcomes

How fusion—which releases energy when two lighter atoms combine to form a heavier atom—differs from fission

The price of gas is a composite made up of several different factors, with the federal gas tax making up less than 20% of what drivers pay at the pump.

Dozens of S&P 500 stocks, including Coca-Cola and Walmart—known as the dividend aristocrats—have increased dividends every year for 25 years

A Yale student wrote a profound essay about the consulting industry's influence on elite college students that was published in a book of her writing after she died in a post-graduation car accident.

20,000 letters to the advice columnist 'Dear Abby' provide insight into prevailing sex, religion, and LGBTQ fears, anxieties, and concerns from the 1950s onward.

To reduce wrinkles in clothing, research recommends gentle wash cycles with more water and tumble drying with smaller loads and longer times.

Some researchers have labeled nomophobia, the fear of being without your phone, as 'the phobia of the 21st century.'

While the sun's gravity keeps the planets in orbit, their gravity also pulls on the sun, causing it and everything else in the solar system to orbit around a mutual balance point called the barycenter—the true center of the solar system.

Memecoins are a type of cryptocurrency—a form of digital currency with a wide variety of uses—created around popular 'memes,' or viral internet jokes.

The Brothers Grimm were lawyers before they were storytellers, but became interested in fairy tales as they began investigating how rules and customs had been passed down through cultures.

After 25 people used virtual reality headsets to practice flying with virtual wings—flapping their arms—their visual cortex responded to the wings almost as if they were real arms, treating them as body parts.

Gerrymandering works through two techniques: cracking opposing voters across districts to dilute their power, and packing them into a few to waste their votes in lopsided majorities.

Firework or sparkler burns, even if they cover a relatively small area of skin, can significantly affect our range of motion.

Pure water does not conduct electricity because this flow of energy requires the movement of charged particles, and water is a neutral molecule.

Experimental hantavirus vaccines and therapies, still under development, have long been funded by the US military.

One disco producer saw 'Star Wars' four times on its opening weekend and was so inspired that he recorded the album 'Star Wars and Other Intergalactic Funk,' which produced a chart-topping single.