John Luke Robertson Gets Engaged: The Benefits of Marrying Young

John Luke RobertsonAs I’m sure you’ve all heard by now, a young Mr. John Luke Robertson is engaged to be married at the ripe age of nineteen. While I’m positive you may be reeling in awe at how anyone could fathom being married at that age, the idea isn’t such a terrible one. The Robertsons have done more than build an outdoorsman’s empire; they’ve set the standard for wholesome values and American family dynamic. Even though I’m sure the two lovebirds won’t be dining on ramen and sharing a ramshackle apartment on the cheap side of town, they have the right idea. Let’s take a moment to explore why marrying young may not be such a bad idea for those of us less waterfowl adept.

In the beginning, there was man. Man loved woman. Woman loved man. They found that they were so completely enamoured with one another that they couldn’t stand the idea of a moment apart and decided, “Hey, let’s spend every moment of or life together, forever.” There they are. Two young, ambitious people with the world ahead of them. Now what?

Likely, college is still looming for the two. Instead of struggling to work through school while paying for housing, they help each other. Two incomes mean half the burden and twice the savings. Instead of going out at night, they stay in studying, bonding, burning cookies and making lasting memories. After four years, that time spent at home has paid off. Instead of tarnishing their unblemished credit by applying for for small loans to stay afloat and likely defaulting, they’ve been paying off credit cards, paying on student loans, and thusly establishing good credit.

Speaking of homes, it’s about time for that. Thanks to the lack of partying and indecision, they left school with great GPA’s, promising careers, and a near perfect credit history. They purchase a home. Likely, a nice home with room to grow and most importantly, equity. Now that they’ve made the leap, the mortgage payment isn’t much more than the rent would have been and they can afford to pay a little extra toward the principle each month. Settling down so early has paid in dividends, via two incomes and ever increasing property value. Our couple has accomplished in five years what would take a single graduate closer to ten or fifteen to obtain.

They may or may not decide to have children. In the event that they do, the kids will have grown and left the nest before our couple has even reached 45. Diligently working and supporting each other, they have continued to save. The house is paid off and the kids are gone. Retired at 50, they own their home outright. They can relax and spend the rest of life enjoying it from a comfy porch swing. There is no struggle or financial burden. They are free, while others their age may still be living paycheck to paycheck and worrying about keeping a roof overhead.

You may still consider the idea of marrying young to be frivolous, but it is likely that at this point in your life you could have been twice as well off had you only settled down with that girl from high school who would have followed you to the end of the Earth. Following your heart may not only make you happy, it can make you stable, self sufficient and and financially secure. They don’t make a duck call for that.

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5 Things Guaranteed To Annoy Your Wife

The grotesque nagging wife

The grotesque nagging wife (Photo credit: Wikipedia)

One from the vaults….

If you’re married, or anything close to being married, you’ve irritated your wife. ¬†Even if you think you are perfect and the¬†epitome¬†of unannoyingness, I promise, there has been a day when she strongly wished you traveled for a living.

It’s long been known that the two things most likely to break up a marriage are money and sex. ¬† The former because there is too much, too little, or just the right amount going to the wrong places, and the latter because there is too much, too little, ¬†it’s not with each other, or it is with each other, but you’d really prefer otherwise. ¬† If your problem is the latter, I can’t help you.

If your problem is the former, I can help you understand some things you may be doing that are driving her batty.   Kill-you-in-your-sleep-and-pretend-it-was-the-dog type of  batty.

1. ¬†Nagging her about her shopping, but buying whatever you want. ¬†Gentlemen, this is known as a double standard. ¬† Don’t do it. ¬†In my house, my wife’s on an allowance. ¬† It was her idea. ¬†A few months later, I realized that I needed to be on one, too. ¬† Naturally, her allowance is bigger than mine. ¬† I don’t mind the disparity, because she still smokes. ¬†If her allowance didn’t give her room to smoke and shop, her allowance would be nothing more than a polite fiction. ¬†Whatever you do, find something that works for both of you and meets both of your needs, fairly. ¬† ¬†Anything else will only build a resentment that will burn for a long time.

2. ¬†Nagging her about her shopping, yet demanding she do all of the shopping. ¬† My wife has a weakness: clearance tags. ¬†If something is on sale, there’s a good chance it’s going to come to our house. ¬† I have an aversion to shopping. ¬†I hate it. ¬† Our budget dies a little bit each time my wife shops alone. ¬† ¬† We’ve come to an agreement. ¬† Now, I do most of the shopping, so she doesn’t feel tempted. ¬† I’m learning to embrace my inner material girl so we don’t have to have “discussions” every time she steps out for milk and comes home with $100 worth of clothes for the younger brats.

3. ¬†Nagging her about her shopping. ¬†Nobody likes being nagged. ¬† If you’re having a problem that keeps repeating itself, talking about it more won’t help. ¬†Neither will talking about it louder. ¬† You need to find a way to communicate that she will hear and understand. ¬† ¬†Different people communicate in different ways. ¬† ¬†Find the way that works for both of you.

4. ¬†Nagging her. ¬†¬†A wise man once said, if everyone around you is a jerkface, maybe the problem isn’t everyone around you. ¬† Have you ever considered the idea that the problem might be you? ¬† If nagging is the only way you have to deal with people, you need to work on that. ¬†Don’t blame her. ¬†Maybe you’re ticked off about something that isn’t irritating. ¬†If that’s the case, she certainly has the right to be annoyed that you are nagging her.

5. ¬†Going on and on about how much you’d like to be me. ¬† Yes, I live the rockstar life, driving the station wagon with 6 disc changer and all. ¬†Yes, I am the neatest thing since sliced bread, and even that was a close contest, but really, confidence is important. ¬†You don’t have to be me to be cool. ¬†You’re swell, too. ¬† You’re right, this one isn’t about money, but it’s probably still irritating.

There you have it, my perfect solution to a happy marriage: don’t nag and quit trying to be me. ¬† ¬† There are other important bits, like love, respect, and communication, but this is a good start.

What do you do that annoys your spouse?

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Why Jodie Sweetin’s Latest Divorce Should Make You Start an Emergency Fund

Jodie Sweetin, American actress; cropped versi...

Jodie Sweetin, American actress; cropped version of :Image:JodieSWEETin.jpg Taken March 7, 2007 at Rutgers University with Bethany S Murphy. Original file history Image:JodieSWEETin.jpg 00:12, 8 March 2007 . . Bethanyshondark (Talk (Photo credit: Wikipedia)

There’s lots of people talking about former Full House star Jodie Sweetin these days. Recent news reports are telling us that this 31-year-old mother of two is now on her way to filing for her third divorce. Yep, that’s right. Divorce #3. Sweetin got married in 2012 to Morty Coyle, and reports say that she is already on her way to filing the legal documents necessary to ask for a separation, which she claims is due to irreconcilable differences.

It was in 2008 when Sweetin filed for divorce from husband number two, Cody Herpin. She blamed the breakup on an already rocky marriage, as well as extreme financial hardships. Sweetin’s first marriage to Shaun Holguin, who she married in 2002, ended when she entered a treatment center for her longtime drug abuse.

Divorce

Because the life of a celebrity is more often than not on display for the whole world to see, there tends to be a belief that famous people get divorced more often than us other ordinary everyday folks. Although this isn’t true, when the news is telling us about a celebrity who’s getting ready to file for their third divorce and they’re only in their early thirties, it tends to make people start thinking! Thinking about what they would do if they ended up being in a similar situation.

Emergency Fund

Although everyone of course intends to stay married forever once they exchange those sacred vows, reality tells as that of least half of all marriages are going to end in some type of separation or divorce. This is the reason why the vast majority of people who plan on getting married one day don’t even bother to plan for what they would do in case of a divorce. They simply don’t think that divorce is something that will happen to them, just everyone else.

Although Sweetin surely didn’t believe that she would have three failed marriages by the time she was 31, her failed marriage situation is helping other people by letting them understand how important it is to have in emergency fund in case such a situation comes up. An emergency fund is going to allow for a lot more freedom of choices if the instance of divorce does happen to come up.

Good to Know

Money struggles have been an issue in all three of Sweetin’s marriages, which is still the number one reason for divorce in America. It’s not hard to start an emergency fund and is something every newly married person should do asap. Well, waiting until they first return from their honeymoon might be a good idea.

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What to Take Away From John Cleese’s Divorce

Cleese as a Mexican maraca soloist as part of ...

Cleese as a Mexican maraca soloist as part of his 1977 guest appearance on The Muppet Show (Photo credit: Wikipedia)

If you haven’t been kept under a rock your whole life, you’re likely familiar with actor and comedian John Cleese.  Part of the infamous Monty Python crew, he starred in films such as Monty Python’s Quest for the Holy Grail, and television shows such as Faulty Towers.  However, are you familiar with what has happened to Mr. Cleese financially over the past few years?

When Cleese divorced his third wife she ended up with a divorce settlement that quite literally made her richer than him, despite the fact that they were married for only 16 years and had produced no children.

Divorce is, unfortunately, a fixture of modern society, and people of both sexes need to know how they can protect their personal finances in case of a divorce.  After all, these days more than 50% of marriages end in divorce, so not preparing yourself financially for it is engaging is some rather wishful thinking.  So how best to protect yourself and your personal finances, should you be unfortunate enough to have to go through one?

If you are the higher-earning party, get a pre-nup prior to marriage; this simply cannot be overemphasized.  Cleese himself, already married to wife number four, incidentally, was told that he should have her sign a prenuptial agreement, he initially didn’t want to, despite having just been taken to the proverbial cleaners.  He only reluctantly had one written up when his legal team essentially insisted.  Even though prenups can be challenged or modified in court, if you are the party bringing more assets to the relationship, it is irresponsible of you not to solicit a prenuptial agreement from a potential spouse.

Another thing to keep in mind is that you should protect assets you have in joint accounts with your spouse, and also begin to actively monitor your credit, if things become acrimonious between you two.  This way, you will prevent them from absconding with the totality of your shared funds, or ruining your credit if they are feeling malicious.  If you need further information on how to do this properly, speak with a qualified financial planner.

So if you find yourself considering marriage and either have significant assets to protect or suspect you might have them in the future, you owe it to yourself to look into the legalities surrounding prenuptial agreements, and other thorny issues related to personal finance.  Failure to do so can end up seriously impacting your life in a negative way, should you ever be faced with a vindictive or greedy spouse; protect yourself!

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