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Some guys feel like they'll never get married. They may
want to, but they just can't see it happening. Marriage is
something that happens to other people — friends,
brothers, sisters, classmates, co-workers — everyone but
them. Ask them about tying the knot and they smile feebly or
laugh incredulously. They'd have a better chance of getting
struck by lightening while working in a rubber factory.
But then one day it happens. Lightning strikes! They meet
someone. Fall in love. Next thing you know they're choosing
between seafoam and sage for their wedding colors.
That was me. After packing zero dates into the five years
after high school, the prospect of marriage seemed remote.
Finding a wife felt more like trying to win a lottery —
would have been nice, but the odds seemed stacked against me.
With the way things were going I figured I'd be planning my
funeral before I practiced saying my vows.
Then something strange happened. I met a beautiful,
brilliant young woman. Mysteriously, she took pity on me. We
dated. I proposed. One year later we were married, and we've
been living in the "Happily Ever After" ever since.
But like any good fairytale, mine had a dragon. Though
married life was an adventurous odyssey, I soon found that the
financial cost associated with marriage was a real Fire Breather.
Looking back at my single days I now realize that my attitude
about marriage had a lot to do with being wildly unprepared
when it actually arrived.
I would never recommend holding off on marriage until
being set financially. Ask anyone — that "financially set"
day may never come. But I do want to give some advice to single
guys from my side of the marriage divide, advice I wished I
would have heard long before I met my wife. Start saving for
marriage now — even if you don't have a prospective
spouse. I know, I know. It sounds crazy. You may think marriage
is far off, or not in your future at all. But most guys do
get married, and trust me: your wedding day may be much
closer than you think. By preparing financially now, you will be
doing a huge favor, not only for your future wife, but yourself as
well.
Let me explain.
During my stint as a bachelor, money wasn't much of a
problem. I worked full-time and had minimal expenses. I still
recall with bittersweet nostalgia the measly $375 I paid monthly
for my studio apartment. At lunch I went to Taco Bell. For Dinner
I feasted on 99¢ Whoppers (remember those?) My furniture
consisted of two torn and tattered chairs from my brother, a
blowup couch, and a bed that my buddy found abandoned in a
frat house. Yep, I was living the high life.
Sure, I was working an entry-level job and collecting a
paltry salary. But I had enough money. Sometimes I had more
than enough. So what did I do with the excess? Save? Give to
charity? Get some real furniture and good food? Nope. I did what
many young guys do. I spent every penny on totally superfluous
things. What did I care? There was always another check coming.
And I didn't have to look out for anyone but myself. So I bought
a Dodge Sport truck. I wore Diesel jeans. I vacationed in Maui.
Saving for marriage was the furthest thing from my mind.
Soon I wished it hadn't been. As I entered the fog of love,
expenses the size of Mack trucks were barreling my way. Over a
short six month period they hit me dead on: Ring. Honeymoon.
New apartment.
And that was just the beginning. After the wedding was
over, the expenses kept coming at me full speed. My wife didn't
expect much, but it was clear some things would have to
change. For one, she didn't share my passion for fast food and
insisted on these things called "three course meals," complete
with terrible tasting (but expensive) fruits and vegetables.
Suddenly I was spending more than just spare change on food.
And her tyranny extended beyond the kitchen. She deflated my
blow-up couch and tossed the old chairs. Of course my twin,
frat-house bed was no longer going to cut it. We needed some
furniture. To my surprise my wife wasn't even impressed by the
nicer items I'd thrown money at before we met. Early in our
relationship, as we talked over dinner, I had asked her what she
thought of my new truck. "I don't remember," she said. "Is it
blue?"
She was even less thrilled about something else I brought
into the marriage: a two thousand dollar balance on my credit
card. When she pledged her love and faithfulness, she was
getting more than just love and faithfulness in return.
Though we've cleared most of those early financial hurdles,
it was a trying time. The learning curve was steep. If I could go
back, my first priority would have been to have built a savings
account. Having something put away would have reduced the
tension and done wonders for our peace of mind.
But I hadn't had the presence of mind to do that. And if my
friends are any indication, I'm not alone. After a long
bachelorhood, a longtime friend recently dated and married a
girl in a relatively short period of time. Though he had made
great money in his previous job, he spent most of it. Of course
he had things to show for it: a cool car, a Rolex watch and
probably the nicest wardrobe I've seen in a man's possession.
But in order to pursue the long-distance relationship, he ended
up quitting his job and moving. Last time I talked with him, he
was uncertain about the future and money was getting tight. I'm
sure if he could go back, he would have left that Rolex behind
the store glass.
The strange thing about not preparing financially for
marriage is that we go to all kinds of trouble to get ready for
marriage in other ways. We hit the gym, tan and fuss in front of
mirrors, all in hopes of attracting a mate. And not all measures
we take are superficial. Many singles devour books about
"finding the perfect partner" or how to detect when "he's just not
that into you." Others immerse themselves in their favorite
webzine, reading articles by professors with hard-to-pronounce
last names. Some even seek counseling to smooth the rough
spots off their personalities. Though we go to such lengths,
financial preparedness rarely enters our minds. This despite the
fact that having some money socked away (more than a good
tan or buffed body) is what can really make the early years of
marriage more pleasant.
Saving for marriage isn't just smart; it's biblical too. Part of
the maturation process, especially for men, is becoming capable
of providing for a partner and a family. The bible has some
sobering words about financial responsibility.
"But if anyone does not provide for his
own, and especially for those of his household, he has denied
the faith and is worse than an unbeliever" (1 Timothy 5:8,
NASB).
Becoming a good provider shouldn't start after the confetti
flies. Instead of seeing the single years as a sanctioned flight
from fiscal responsibility, they should be viewed as a formative
time. A time to progress spiritually, emotionally and
financially. It's amazing just how much those three aspects of
your development can end up affecting each other.
If you're a single guy, you have a unique chance to bless
your future wife right now. Setting aside just a little money every
month will enable you to provide some much-needed security at
the outset of your marriage. Take it from me and my married
friends: In the long run, that will mean a lot more to your bride
than a fancy truck or a shiny watch.
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