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My ex was not the most frugal person.
Racked up student debt paying OUT-OF-STATE TUITION for reasons that read to me as asinine.
But at least it was a decent major. She had a tendency to just assume if you pay a lot for something it must be the best/high quality. Also had a tendency to throw out old things and buy new when something broke. Which, uhhhhh in hindsight was probably a warning sign.
I've made it a hard limit that the next GF has to be 'financially aware" if not thrifty. i.e. they actually consider the cost of things, consider repair vs. replace, and don't assume the most expensive option is always the best.
This winnows out a LOT of the field very early. I was dating a girl the last few months who apparently liked to select fancy restaurants just to see if I'd blink at paying the bill. At least, that's the game as I interpreted it. She would also cook for me so I was curious to see where things went. A few hundred dollars later and I can't even get a text back now.
Getting $500k in the hole is an outcome I'd truly want to avoid, though. I think I would pull the chute when the costs hit $100k.
Good luck with that. Your best option is to look among new immigrants, preferably from some Asian country, modern US people are raised with attitude of temporarily embarrassed princes and princessess who feel any hint they should count money and consider the costs as mortal insult to their noble status and honor.
Imagine how Marie Antoinette felt when hubby told her: "Honey, you have enough palaces, you do not need another!"
The age of bourgeoisie counting every penny is over, the age of aristocracy is back.
Sadly true. There was some significant reee-ing in the lastest doordash discourse on twitter (which kicked off with some guy saying you shouldn't be eating lunch out every day when you're making 70k in the US) with too many taking the position that taking a lunch to work was living worse than a medieval peasant.
I find the guy's point regarding eating out to be so trivially correct as to be unobjectionable, which proves I'm old and out of touch.
I mean, it is Twitter. Bringing lunch to work is extremely normal in the USA.
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These people, of course, were overwhelmingly self identifying as left, with bios full of symbols of correct current year, month and day causes.
Black lives matter! Trans women are women! Free Palestine! Cooking your own food is ableist, Doordash is human right!
But America is still land of opportunity, just follow teachings of the great guru Shagbark the Hobo King, and you too can find true frugal wife happy to live in shack and eat roadkill.
True trad Christian one, ofc, the atheist would want to do ..umm... nasty things to the roadkill, see the other current xitterstorm.
Usual example in "no god no morals, atheists owned!" eternal discourse is rape and murder, the xitter apologists recently upped the ante.
I enjoy occasionally reading something by Shagbark because he is great at doing just what he did in that tweet: starting with a generally good point (many women are attracted to a man who has a vision of some kind and mission in life) and then taking it in a totally insane direction. "You should live where costs are low... so move to wasteland upstate New York, eat roadkill, and get by on $10k per year!" Etc.
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I realized a while back that a lot of women were raised in McMansions with parents who basically paid for everything, from cars to clothes to fancy knick knacks, and of course university education, from the time she could walk.
And inherently, they will expect the same from their spouse. But that's impossible for a normal guy in early-adult stages to procure.
By becoming as wealthy as we have, we've now made it so that the general norm of "you, a dirt poor peon, marry another dirt poor peon, and gradually build your life up to a higher standard" a thing of the past.
Women who came up in prosperity would inherently have to accept a (temporary!) standard of living hit to marry a guy in his early-mid twenties, unless his family is massively wealthy. Women are generally wired to never, EVER accept a loss in status and standing and so this thought is probably vomit-inducing.
And there's now ample evidence that women, when given economic/financial advantages, tend to opt against having families/kids.
Again the solution is to economically boost men, or at least, stop the policies that are economically de-boosting them.
If only such support ended at HS or college. One occasionally meets a girlboss in their 30s who spends every dime on travel and clothing and eating out because her parents are still providing the apartment, car, and maybe even spending money. And she expects the future husband to be able to provide that level of living. Made for some entertaining first dates.
"Oh, I love Paris. I try to visit twice a year. How often do you travel abroad?"
"I've never left the US. My idea of travel is hiking and camping for 10 days without a shower."
Some Noticing from Capital One supports the online wrongthinker hypothesis that young women are racking up debt and/or are getting subsidized by boyfriends/parents so they can have the rightful FUN they deserve.
Before taxes!
I can only imagine the spending to income ratio would be even higher for young attractive women, all else equal. Like Daniel Tosh remarked, being an ugly chick is like being a man: you’re going to have to work.
From what I’ve seen of a lot of young women, stuff like make-up, nails, new clothes are non-negotiable monthly expenses like food or rent, in addition to other FUN expenses like restaurants, festivals, and traveling.
Tiresome status: It’s all so.
Putting aside the female numbers (which confirm my biases and thus are obviously correct), how does that even work for the male numbers? 86% before taxes would still seem to be over 100% once taxes are included.
The average effective tax rate for Americans is in the neighborhood of 14-15%. Unmarried men tend to be younger; young people tend to earn less than older people and unmarried men tend to earn less than married men, which means a lower effective tax rate for unmarried men.
It's also possible Capital One is only referring to the income it "sees," which in such a case, I picture would be after withholding but before taxes like capital gains, interest/dividend income, remaining state taxes.
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On the one hand its a natural thing. If the parents are doing really well, making sure their kids are comfortable (and, more directly, making sure their beloved Katie never has to do porn or shack up with a drug dealer) is what they would do as an extension of their established role.
The second/third order effect of "Katie now expects to live in a 5000 square foot house and drive a late-model SUV and will reject anyone who can't offer that" is a little harder to see.
The very SECOND I hear that a woman has left the country on vacation more than once (with the exception of Mexico travel, I guess), I pretty much know my chances have dropped to negligible.
I guess maybe this is another thing where my background influences what I've seen, but as far as I can tell I've never been on a date with a woman who had this kind of lifestyle. Especially the "looking for a man to offer that almost seems like looking not only for a provider who can add meaningfully to the dual household income, but looking for a man who can bankroll an entire lifestyle, and I've genuinely never encountered that. Together we can afford these lifestyle choices is familiar to me; marriage after all has financial advantages. But this is the sort of thing that appears deep into a relationship, not up front.
Is this a lower-middle-class/upper-middle-class split thing? Regional? I've tended to date people who come from modest households.
It's a good guess. Trying to date in Northern Virginia, I exclusively encountered women like this. And this was back in the mid to late 00's, doesn't even touch the hellscape that is modern day swiping, instagram and yaslighting. Not one single woman I dated (until I met my future wife) seemed to have any concept of the value of the dollar. Even the morbidly obese ones had notions of how luxurious life would be when they "got their second income" which was a terrifying way of referring to a future husband they hadn't even met yet. One woman, on the first date, threw out as an ice breaker that she'd already picked out a $25,000 ring and any man who deserved her would afford it. I called it at one date with her. She called me utterly baffled and crying that I wasn't interested. I dated a woman for under a year that had racked up hundreds of thousands of debt, with the belief that is what you are supposed to do when you are young to have fun, and then you/your husband pays it off when you get old. I never dated anyone (until I met my future wife) that didn't have thousands in credit card debt in their early to mid 20's. It was buttfucking insane. To say nothing of how little any of them brought to the table.
Now, that's not to say I never met sane, well adjusted women. Just never dating. They were always in a long term relationship with a highschool or college sweetheart. Relationships which despite being rocky at times, everyone is kind of a selfish prick in their 20's, were genuine and sincere and sweet and loving. All their friends always tried to pry them apart with stories of how "toxic" so and so was, and how fun dating was. They often left the friend group and it's extreme neurotic dating habits and expectations to save their relationships. I hope it worked out for them.
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They're a small subset really, I ran into them occasionally because I work at a financial institution and you can tell they're feeling you out for if you have one of the seven figure roles. But they're greatly outnumbered by yuppies who have their own careers.
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There was a kerfuffle on twitter a while back about a Utah dating show and one of the female participants - people immeadiately lept on her appearance(she looked fine), her voice, the choice of men she had available to her(not realizing that the show itself was setup for a blind audition - neither side saw the other). But she had a list of requirements/preferences/specifications about what she was looking in regards to a parter, which includes such things as ski trips, foreign travel, scuba diving across the world, getting her home setup for themed group parties and the like -
And while you had a number of people gushing about how she had such a spate of cool hobbies and whatnot, not one person seemed to follow my train of thought and go 'Wait a minute, she looks to be in her mid-twenties and most of that are obscenely expensive hobbies with a horrendous amount of time investment! Where the holy hell is she getting both the money and the time to do all this at her age!?'
So... There's atleast one?
(Side note: Skiing doesn't count as expensive for Utah. They have alot of ski resorts.)
If I recall that clip which went viral, every male contestant was thinking that because nobody picked her. All her quirk chungus hobbies read as so obviously high maintenance that every single man on the show noped out. And you know you fucked up when men desperate enough to go on a dating show nope out.
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Well-traveled girlboss who has a family subsidizing her lifestyle: I went on first dates with two. I've worked with another two (I'm a government lawyer, so I'm hardly in a high-earning demographic).
I'd have to ask him for exact numbers, but my brother went on first dates with at least 6 women like this. More than one was very blunt up front that saving for a family was a man's job (and she had saved nothing to that point), and being in a relationship meant he would need to make sure she was kept in the lifestyle she wanted. These were not women from wealthy families, but much of their parents' money seemed to be spent subsidizing their (usually only) daughter.
Just like with trust funders, these "soft" trust funders are more numerous than you might expect.
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I think there's women like this out there.
I think they are extremely hard to locate if you don't already know them or their families.
The ones who expect foreign travel are hard to locate? Or the ones who don't?
Ones who expect foreign travel.
I mean, you see them on dating apps a lot, but I think they're just harder to pin down dint of being so traveled.
Not really a big point either way. Lots of women advertise their preference for traveling.
Its slightly rarer that one has been actually well traveled in their youth.
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Marie Antoinette was not responsible for the opulence of Versailles, and probably hated it. Her palace at Petit Trianon is the least blinged-out part of the whole complex.
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Seems reasonable. Though, try not to get a new GF that just has a slightly different set of horrible traits! "This time I'm putting my foot down, arson is a hard no." Nobody's perfect, but as long as you're willing to consider "alone" as a viable option, it really does let you be more selective.
Yeah, most people would (and should). I've made a lot of bad choices.
This is kind of the problem. I'm familiar with the concept of 'tradeoffs' and accept that. If I somehow land a smoking hot redhead with DD's, I can accept she might be a bit profligate in spending, which I will corral as best I can.
But the women are generally lacking so many of the desirable traits I'd look for that there's not much to trade off against!
Reading you guys makes me realize I am significantly more of a naive or fatalist romantic than I would have credited myself as. Romance is something that happens, dammit, not the synthetic end result of a deliberate, cold-blooded process.
I mean, we don't live in the best or the worst of all worlds. There are some genuinely beautiful, selfless relationships out there. But not everyone gets one. My cynicism applies only to me and my future prospects (or lack thereof).
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From "Unspeakable Bargains" by Eliezer Yudkowsky:
Or, as Alpha Centauri put it:
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This is why God gave us cats, so you could have a genuine meet-cute with a creature that will love you forever.
Cats? Those shameless, opportunist egomaniacs without a shred of loyalty?
The allergenic ones?
Well, God did not make the world to suit everyone.
I get that's the meme, but it really doesn't match my experience. In my experience, I drag a feral stray out of somewhere inconvenient, kidnap it, clean it, and then it showers my family with affection for 15 years, like a permanent, low-effort toddler that wants to snuggle and also kills vermin.
This may be more of an issue. My condolences on your condition.
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Cats do have loyalty, which is different from bred servility because it's not unconditional.
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My Brother in Christ (said completely without irony), that is who I am on the deepest level.
I fully expected I was going to marry my high school sweetheart. But we went to different colleges so you can guess how that turned out.
My entire relationship history is me trying my damndest to wrest a romantic happy ending from an increasingly cynical world. Each time I fail, I make some adaptation that hopefully improves my odds, and each time the reality of the situation proves I wasn't cold and calculating enough. So I become more strategically machievellian with the instrumental intent of finding someone to partner with and then GTFO of the toxic pool.
I've done everything I can in the past three years to maximize by 'social surface area' so I can have that chance encounter with the love of my life.
And unfortunately all this has done, now, is expose me to every single variant of dysfunction you can imagine. I've observed other people's relationships fail for the silliest, most avoidable of reasons, I've seen the very depths of toxic female behavior. I'm still fanning a small, candle-esque flame inside of me that believes a romantic happy ending is possible. But the stats are what the stats are, I won't look away.
If I were able to acquire the necessary power, I would radically restructure the social order enough to allow the sensitive young man to once again be competitive enough in the sexual marketplace that they CAN have their organic, fated encounter with their soulmate and expect the "live happily" to actually last "ever after."
happy_padme.jpg: She was fiercely loyal, regularly visited you, steadfastly refrained from partying or entertaining male attention, and you two eventually got married and lived happily ever after, right?
I told this story in another thread. Its even more tragic than you'd think. She broke it off with me and DIED not too long thereafter
To say that was a formative event for my psyche is underselling it.
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Do you think you may be overfitting here? If every time a relationship fails, you make an adaptation that would have ensured it worked, that does not necessarily mean you are becoming overall more desirable to the women that you want. Meanwhile, you are slowly giving up on something you value deeply.
I agree with the overall gist of it; Being the sensitive young man is endlessly disappointing, but that does not imply that meeting cynicism with cynicism of your own is a good solution that increases the odds of landing the relationship you want.
Yes. I am in a constant state of self-evaluation to see if I feel as though I have strayed too far from my 'authentic' self.
And the adaptations I make are not so much to 'ensure' that a failed relationship would have worked. I'm genuinely just trying to maximize the chances that I can encounter and then attract the sort of woman who is more likely to work it out with me. I have to filter aggressively, I have to maximize the space I'm searching but also minimize wasted time by not searching spaces that will turn up false positives. Its a DOOZY of an optimization problem.
And I also have to avoid all the various traps that dating has set for men in this day and age to boot. This sucks. Better men than I have failed. Nonetheless, I have the irrational confidence that I can somehow defy the odds or die trying.
Not to put too fine a point on it: Of all the women I have dated with intent... only one of them has gone on to eventually get a stable, lasting relationship (so far). The rest have crashed and burned in various ways. That one gained a bunch of weight and is perennially single. This one got knocked up and is a single mom. The one over there had a mental health crisis and hasn't surfaced since. And of course my high school sweetheart died.
Conclusion: those would not have been successful relationships regardless of my own contributions. I don't feel smug about this fact, I realized that I was damaged in my own way that led me to not see the issues at the time. As is my way, I did the hard work to try and fix myself as best I can. THE WORLD AS IT STANDS DOES NOT REWARD FIXING YOURSELF.
I'm not perfect, but I can very, VERY safely say by this point that I have my life in better shape and I am in a happier place than any of the women I once considered prospective wives.
Their loss, not mine.
The task is to find a woman with the necessary features that a relationship CAN be successful. The terrible fact is that the current social pressures actively despoils women in a way that makes that less likely. There's far, far fewer such women than we need.
Hence, as part of my campaign, I've declared war on the current status quo.
But its very hard to both fight the social forces that create this hellscape WHILST navigating the hellscape itself searching for a partner, so again I have to optimize where I can.
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