I Was Supposed To Find Love When I Was Financially Stable — But The Opposite Happened (2024)

I Was Supposed To Find Love When I Was Financially Stable — But The Opposite Happened (1)

At the beginning of the movie The Wedding Planner, there’s a scene in which a wedding guest points out Jennifer Lopez’s character as yet another of her perfectly planned ceremonies goes off without a hitch. Another person sighs and says, “She must lead such a romantic life.” Cut to: JLo heating up a TV dinner for one in her tidy apartment, which she proceeds to eat on her couch watching Antiques Roadshow before fastidiously vacuuming her curtains and going to bed alone. I personally never had the kind of job (or really the life) that anyone would assume to be incredibly romantic, but there was a time when my evenings mirrored that of fictional wedding planner Mary Fiore, and I need to say that it was not just lonely. It was frustrating.

The standard dating advice touted in my twenties by self-help books like He’s Just Not That Into You, plotlines on Sex and the City, and experts on Dr. Phil (I know, I know, it was the early aughts, leave me alone) followed a very singular hypothesis: once all the pieces of your own life were in place, it was merely a matter of time before you’d find your partner. Once you became this vibrant, self-sufficient person who didn’t need someone to feel complete, confidence would just ooze from your pores, drawing people to you everywhere you went. The coffee shop. The bar you frequent with your friends. The gym. Accidentally bumping into someone on the sidewalk and spilling your iced coffee all over their pants just to find out they think clumsiness is adorable and they were about to throw those pants out, anyway.

Except this was not at all how I felt, and not at all what happened. Six months after my college graduation, I landed a steady job in finance and sales which led to me moving into my first apartment (without any roommates!) shortly thereafter. Spending several years there allowed me to work my way up to sufficiently pay down my college loans each month, while also preventing me from taking on any credit card debt or needing any help from my parents. I moved into increasingly nicer apartments as my pay increased and was able to pay my rent and bills on time. My company paid for my health insurance, and I had $10 co-pays at the most. I even had a financial cushion for that horrible time my car got two flat tires and the warranty only covered one for some reason.

I won’t deny those dating experts were right that there is definitely a confidence that comes from having enough money to take care of your responsibilities and enjoy yourself on top of it. To be able to treat yourself, after the obligatory monthly expenditures, to some nice dinners or buy some new boots and not worry that it will end in paying minimums on a credit card bill with a 29.95% interest rate that will ruin you for the next 5-10 years. That lack of stress was supposedly a key element in the unmistakable message you needed to send to suitors: that you could take care of yourself but, at the same time, exuded an irresistible “come be a part of my life” invitation. And yet, instead, I ended up on dates with guys who lied about having girlfriends (or being married!). Or guys who were perfectly nice, but with whom I had no chemistry or compatibility. Or often no dates at all. I felt emotionally empty even while I took great pleasure in my nice apartment, the kind of shopping excursions I had envied my wealthy college roommates having not so long ago, and building my career into what felt like a strong, successful path. But I also wanted love. And I had instilled myself with the belief that not needing someone’s help to pay my bills meant that I was entitled to the purest kind of relationship because it wouldn’t be predicated on needing financial support.

But then the economy imploded, and I lost my job.

As my living situation drastically changed from a beautiful, well-appointed apartment, to moving back home with my family, to subletting various places, to crashing with friends and apartment-sitting for friends abroad for months at a time, my savings accounts dwindled. Then became non-existent. My credit card debt mounted. I tasted financial stress from the moment I woke up in the morning to the minute I went to sleep. I never stopped thinking about how I could possibly alleviate some of the burden, and I often felt sick to my stomach from anxiety. I had stumbled headlong into freelance work, and it was a seesaw of steady stretches — and some very financially insecure ones.

Throughout all of this tumultuousness? I fell in love. Repeatedly. Maybe it was because instead of hitting my stride of professional success, I was now floundering and having to start all over. And that meant acknowledging and embracing my vulnerability. My “oh sh*t I don’t know what’s going to happen next” mindset was real and in a way forced me to grow and know myself in a way that I hadn’t in my twenties. And that self-awareness I now possessed seemed to attract people to me.

This isn’t to say that a struggle is necessary to find love. (I hate the romanticized “starving artist” philosophy.) I just think trying to survive and figure things out felt so awful at the time, that when the possibility of love came along, it felt so positive and fulfilling I just ran with it even as it flew in the face of everything I used to believe. If I still had the financial situation of my past job, I would have been the pinnacle of “thirty, flirty and thriving.” But instead, I was just embracing the first two parts. My circ*mstances didn’t matter. There was no “purest kind of relationship” — just relationships at different stages of my life.

In the beginning, there was the guy I fell hard for almost instantly because our chemistry was so strong it actually survived me living at my parents’ house for a while. (And we did meet bumping into each other on a sidewalk.) A couple of years later, when it amicably ended, he wrote me one of the best love letters of my life saying that he would always love me and consider me one of the most important people in the world to him. The lovefest of my thirties continued with a guy I met via Twitter, and a guy I met at work. All while I struggled to pay my bills, live in a place I could truly decorate as my own, and transferred balances to low-interest credit cards, panicking that I was no longer that ideal partner I once was. That self-sufficient person who could have entered into a relationship without the embarrassment of having done a focus group the week before just to get the $175 gift card to finally pay for a prescription sitting at the pharmacy for over a week.

I would have given anything to be able to invite these guys over to the lovely apartment I was once so proud of. But I realized that the biggest fallacy of all that dating advice was the erroneous notion that you’re not capable of finding a real and lasting relationship if you haven’t done so professionally. Because especially now in a gig economy, some of us may never have a true sense of stability, and that reality is stressful enough. But I am still capable of being a solid partner amid the havoc that financial insecurity wreaks. I just may occasionally need to use the birthday gift card he gets me to pay for my Zanaflex. Which honestly might make our love even stronger.

Danielle Sepulveres is a NY based freelance writer contributing to The Washington Post, Esquire, InStyle, and various other outlets. Follow her on Twitter @ellesep if you like random streams of consciousness that include baseball, movies, and sandwiches.

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I Was Supposed To Find Love When I Was Financially Stable — But The Opposite Happened (2024)

FAQs

Should you be in a relationship if you're not financially stable? ›

No, many people find that money issues are a deal breaker.

If he's not financially stable and he shows no signs of changing his habits, take that into account when you're deciding whether or not to pursue a serious relationship with him.

Should a man be financially stable before a relationship? ›

Financial stability is a great ideal to strive for. There is a story about someone who waited to start a relationship until he was financially “stable”. It took so long that his object of desire moved on with someone else.

Does financial stability matter in a relationship? ›

Financial stability is very important for running a relationship smoothly because if the relationship becomes an economic burden on one person then it is not the right relationship. Your dates should be planned as such that it does not create a dearth of money for any partner.

When should you give up on the love of your life? ›

When should I give up on love? Giving up on a particular relationship may be warranted if it no longer makes you happy, if it's actively harming you, or if you and the other person want different things, for example.

Is debt a red flag in a relationship? ›

If you find that your partner is hiding accounts from you, such as credit cards, savings or investments, this can be a breach of trust and a major red flag. You don't want to find out they have secret debt by a debt collector showing up at your door.

At what point is a relationship not worth saving? ›

Some signs that it is time to end the relationship include: You've both stopped trying. There is no emotional or physical connection or intimacy. You have differing goals in life.

At what age should a man be financially stable? ›

If you start early enough—say, in your 20s—and follow the steps listed above, you may become financially secure by the time you reach your 30s. If you're older, all isn't lost. You can still reach your financial goals as long as you have a plan and adhere to it.

How do you deal with a financially unstable partner? ›

5 Ways to Deal With a Financially Irresponsible Spouse
  1. Be Honest With Yourself About Their Financial Tendencies Before Marriage.
  2. Have a Heart-to-Heart With Your Spouse as Soon as Possible.
  3. Take Over the Family Finances.
  4. Seek Counseling and Financial Help.
  5. Protect Yourself and Your Own Finances.
  6. Bottom Line.
Jul 31, 2023

Should you date a man with financial problems? ›

Personal Debt

Debt can be a major stressor in a relationship, and discussing any outstanding debts is important before getting serious. If your partner has a lot of debt, it can affect your financial future together, and it's crucial to discuss how you'll handle it together.

Is being financially stable attractive? ›

Financial stability signifies a sense of responsibility, dedication, and the ability to handle pressures related to financial commitments. Women may be attracted to men who display these characteristics as they contribute to emotional security within a relationship.

How to tell if a man is financially stable? ›

The most common signs of a financially stable person include having little to no debt, being able to make and stick to a budget, having a healthy amount of money in savings, and having a good credit score. Financially stable people tend to see their net worth increase year over year.

Does money matter in love? ›

Overall, our findings reveal that most respondents (86%) believe couples sharing similar financial goals and habits have more successful relationships than those who don't.

What's stopping me from finding love? ›

You may be single because of things like low self-esteem, unresolved trauma, or settling. Put yourself out there and stay optimistic—when you position yourself to find and accept love, it's only a matter of time before it happens.

When to fight for a relationship and when to give up? ›

  • 8 Signs Your Relationship Isn't Working (And Whether You Should Break Up or Fix It) ...
  • You're always fighting. ...
  • There's no intimacy. ...
  • Trust has taken a hit. ...
  • Jealousy is getting the better of you. ...
  • You don't spend much time together. ...
  • Your emotional needs aren't being met. ...
  • You're considering cheating (or you already have).

How do you know if you have given up on love? ›

To help you explore further, here are a few signs you might've given up on love unintentionally:
  • If a date doesn't go well or to plan, you shut down. ...
  • You avoid meeting new people. ...
  • You feel jealous when you're around or see other couples. ...
  • “Everybody is playing games.”
Feb 18, 2022

What to do if your partner is not financially stable? ›

5 Ways to Deal With a Financially Irresponsible Spouse
  1. Be Honest With Yourself About Their Financial Tendencies Before Marriage.
  2. Have a Heart-to-Heart With Your Spouse as Soon as Possible.
  3. Take Over the Family Finances.
  4. Seek Counseling and Financial Help.
  5. Protect Yourself and Your Own Finances.
  6. Bottom Line.
Jul 31, 2023

Should you date someone with financial problems? ›

If the problem is serious

Consider how you'd manage if they couldn't pay their way. Could you cover their share of the bills in a pinch, or would it lead to debt problems of your own? Even if you could cope with them falling short every so often, you also need to decide whether you're prepared to do it.

Can lack of money ruin a relationship? ›

A massive 73% of married or cohabitating Americans say they experience relationship tension due to money decisions, according to the American Institute of CPAs. And nearly half of those couples say tension negatively impacts intimacy with their partner.

How to leave a relationship when you aren t financially stable? ›

How to leave a relationship when you have no money (8 ways)
  1. Find a job or start a side hustle. ...
  2. Sell items you don't need. ...
  3. Set a budget and organize your finances. ...
  4. Use coupons and shop sales. ...
  5. Trade services with friends or family. ...
  6. Ask family for help. ...
  7. Ensure your safety. ...
  8. Secure housing.
Sep 11, 2023

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