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If You Stay With Her: 10 Reasons She’ll Always Keep You Broke

April 2, 2025 By Shay Huntley Leave a Comment

A couple leaving the shop after a successful shopping day.
Image Source: 123rf.com

Relationships are often built on love and shared values, but financial compatibility plays a critical role in long-term stability. Staying in a relationship with someone whose habits undermine financial growth can lead to a constant cycle of stress and stagnation. The following are ten reasons why staying with “her” (or any partner with these tendencies) might keep you from achieving financial security.

1. She Spends Beyond Her Means

A partner who constantly lives beyond her financial capacity may drain both your budget and future savings. Whether it’s unnecessary shopping sprees or luxury vacations, overspending quickly depletes resources. This behavior creates an unsustainable lifestyle and leaves little room for financial growth or stability.

2. She Avoids Budgeting

Financial planning requires discipline and cooperation. If she refuses to stick to a budget or ignores the importance of tracking expenses, it can lead to long-term financial chaos. Without a shared commitment to budgeting, it’s difficult to make progress toward shared goals like homeownership or retirement savings.

3. She Criticizes Your Financial Goals

A supportive partner respects and encourages your ambition, whether that means saving for a business or paying off debt. However, if she dismisses your financial plans or questions your priorities, it can hinder progress. Financial mismatches often emerge when values and goals aren’t aligned.

4. She Seeks Instant Gratification

When impulse purchases or instant rewards take precedence over long-term financial decisions, savings suffer. A partner focused on immediate gratification may not value investment opportunities or saving for the future. This tendency can undermine efforts to build wealth and secure stability.

5. She Rejects Financial Responsibility

Taking ownership of financial decisions is key in any relationship. If she avoids responsibilities like paying bills or managing joint expenses, the burden may fall disproportionately on you. Over time, this imbalance can lead to resentment and financial strain.

6. She Has Uncontrolled Debt

Close-up Of Debt Card And Debt Text On Stacked Wooden Block
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Debt itself isn’t necessarily bad—many people rely on loans or credit for major life purchases. However, a partner who accrues debt irresponsibly or avoids repayment can sabotage your financial health. It’s crucial to address and manage debt together to avoid long-term repercussions.

7. She Ignores Financial Education

Financial literacy empowers individuals to make smarter decisions about money. A partner who isn’t willing to learn or improve her financial knowledge may struggle to contribute effectively to shared goals. Avoiding education can lead to missed opportunities and costly mistakes.

8. She Relies Exclusively on Your Income

A relationship built on mutual contribution fosters equality and stability. If she consistently relies on your income without exploring her earning potential, the dynamic becomes one-sided. Financial independence is important for both partners, ensuring a balanced and secure future.

9. She Prefers Short-Term Comfort Over Long-Term Security

Savings, investments, and careful planning require sacrifice and foresight. A partner who prioritizes short-term comforts—such as frequent dining out or extravagant purchases—over long-term financial goals can limit progress. Aligning priorities is crucial for building a sustainable future.

10. She Resists Change

Acknowledging financial habits and making adjustments requires self-awareness and a willingness to change. If she refuses to recognize harmful spending behaviors or actively resists improvement, it can prevent meaningful growth. Financial success often depends on adaptability and commitment to change.

Prioritize Financial Compatibility

Love is vital in a relationship, but financial compatibility ensures long-term success. If your partner exhibits these habits and refuses to address them, it’s worth re-evaluating the relationship’s impact on your future. Open communication and shared responsibility are key to overcoming financial challenges.

Have you experienced similar financial struggles in a relationship? Share your thoughts or experiences in the comments below!

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Shay Huntley
Shay Huntley

Shatel Huntley has a Bachelor’s degree in Criminal Justice from Georgia State University. In her spare time, she works with special needs adults and travels the world. Her interests include traveling to off-the-beaten-path destinations, shopping, couponing, and saving.

Filed Under: relationships Tagged With: budgeting challenges, financial compatibility, financial habits, financial literacy, money management, relationship advice

These Are The Top 7 Reasons You Are Still Broke

February 18, 2025 By Teri Monroe Leave a Comment

Why you can't change your financial situation and stop being poor.
Image Source: Pexels

Do you feel like you will never get a handle on your finances? You don’t have to settle for being poor. By shifting your habits and mindsets you can improve your financial picture. Here are the top 7 reasons why you are still broke.

1. You Have a Scarcity Mindset

If you believe that money is limited and you’ll never have enough, you probably will be stuck being poor. How you view money has a lot to do with how you’ll behave and the money decisions you’ll make. You’ll continue to worry about bills, stress about the future, and live paycheck to paycheck. Instead, work on shifting your money mindset to that of abundance. With this mindset, you believe that you have enough money and you’ll always have what you need.

2. You Haven’t Learned from Your Financial Mistakes

Do you work on your financial health and then fall back into old patterns? Making smart money decisions isn’t just for a season. When you make a mistake, give yourself grace but learn from the experience. Adopting better money habits throughout your lifetime will stop you from being poor and build your wealth over time.

3. You Believe You’re Bad with Money

If you constantly tell yourself that you’re bad with money, you’re setting yourself up for a self-fulfilling prophecy. Instead of holding yourself accountable, saying that you’re bad with money makes excuses for poor choices. Researchers have found that our internal money scripts play a large role in our income and net worth. Until we flip the script, we may not see a way out of our money problems.

4. You Don’t Track Your Money

If you don’t know how much money is coming in and going out, you’re setting yourself up for failure. Paying attention to your money is crucial to bettering your situation. Then, you create a budget, get out of debt, build your wealth, and make your money work for you.

5. You Live Beyond Your Means

No matter how much money you make, living beyond your means will always leave you feeling broke. Living beyond your means can look like carrying massive credit card debt, taking out a bigger mortgage than you can realistically afford, or overspending on luxuries. Additionally, Lifestyle creep is something you need to be aware of, even if you bring in additional income. Until you get a handle on your spending patterns, you’ll continue to feel broke.

6. You Haven’t Worked on Your Financial Literacy

It’s ok to admit that you need to work on your financial literacy. Many of us aren’t taught about basic money principles that are essential to money management. So, read financial literacy books, listen to podcasts, or take a course to increase your knowledge.

7. You Don’t Know Where to Start

If you constantly are overwhelmed by your financial situation, it’s probably difficult to take action to improve it. While change doesn’t happen overnight, small positive steps forward will pay off over time. It’s important to remain diligent and consistent when you’re trying to improve your finances. Try not to lose motivation and keep pushing forward.

How are you working on your financial situation? Let us know in the comments.

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: being poor, financial literacy, why you're still broke

10 Men You Should Avoid If You Make Less Than 100K Per Year

January 13, 2025 By Latrice Perez Leave a Comment

men to avoid
Image Source: 123rf.com

When it comes to relationships, it’s tough enough to make relationships work without the worry of financial compatibility. In fact, in a paper published in the Journal of Consumer Psychology, couples cite financial stress as a major strain on their relationship. For women earning less than $100,000 annually, dating someone who doesn’t align with their financial goals or values can be a recipe for disaster. The wrong partner can not only drain your bank account but also jeopardize your long-term financial stability. To help you avoid unnecessary stress, here are ten types of men to steer clear of if your income falls below this threshold.

1. The Flashy Spender

The flashy spender loves to show off his wealth, whether it’s through designer clothes, luxury cars, or extravagant outings. While this may seem attractive at first, these men often prioritize appearances over financial stability. Many flashy spenders rack up debt trying to maintain their lifestyle, leaving little room for savings or future planning. Their tendency to live paycheck-to-paycheck can be particularly concerning if you’re working hard to manage your own finances responsibly. Instead of being dazzled by their outward display, pay attention to how they handle money behind the scenes.

2. The Chronic Moocher

This is the guy who’s always forgetting his wallet or expects you to cover the bill. While occasional generosity is normal in relationships, constantly paying for someone else can take a toll on your finances. These men have little to no ambition or a clear financial plan, leaving you to shoulder the burden. Financial red flags like mooching are a major predictor of what the future would look like with him. If you’re already working hard to make ends meet, the last thing you need is someone draining your resources.

3. The High-Risk Gambler

Gambling can be an addictive and financially ruinous habit. The high-risk gambler is someone who’s always chasing the next big win, whether it’s at the casino, online sports betting, or cryptocurrency trading. These men often take reckless financial risks, jeopardizing both their savings and yours. If your income is below $100K, tying your future to someone with a gambling problem can leave you in a precarious position. Look for a partner who values stability over risky ventures.

4. The Commitment-Phobe

A Man Who Won't Commit
Image Source: 123rf.com

Commitment-phobes not only avoid emotional intimacy but often steer clear of financial responsibility as well. These men may shy away from discussing future plans, including saving for major milestones like a home, wedding, or retirement. Their lack of long-term vision can leave you feeling insecure about your financial future. Without mutual goals, building a stable life together becomes nearly impossible. Avoid wasting time on someone who isn’t ready to invest in both your emotional and financial well-being.

5. The Eternal Bachelor

The eternal bachelor enjoys his freedom and avoids settling down at all costs. While there’s nothing wrong with independence, these men often resist shared financial responsibilities, preferring to spend their money on personal pleasures. Single men are less likely to prioritize savings and more likely to spend impulsively. If you’re aiming for a financially secure future, partnering with someone who isn’t interested in building a shared life can hold you back. Choose someone who aligns with your vision of stability and commitment.

6. The Job Hopper

Job hoppers constantly switch careers, often chasing higher paychecks or new opportunities. While ambition is admirable, frequent job changes can signal a lack of stability or focus. These men may struggle to maintain consistent income, making it difficult to plan for long-term goals like buying a house or starting a family. Their unpredictable financial situation can add stress to your relationship, especially if you’re already navigating financial constraints. Look for someone who balances ambition with a steady career path.

7. The Financially Clueless

Some men simply lack financial literacy, which can lead to poor money management. Whether it’s overspending, failing to budget, or neglecting savings, their bad habits can become your problem over time. Financial literacy is crucial for navigating life’s challenges, from unexpected expenses to retirement planning. If your partner isn’t interested in improving his financial knowledge, it’s a red flag. A relationship should be a partnership, not a one-sided effort to manage money.

8. The Debt Denier

Debt isn’t necessarily a deal breaker, but how someone handles it speaks volumes about their character. The debt denier avoids addressing their financial obligations, whether it’s student loans, credit card debt, or medical bills. Ignoring debt can lead to long-term financial instability and limit your ability to achieve joint goals. Fidelity reports that couples who openly discuss and manage debt together are more likely to succeed financially. Avoid men who refuse to confront their financial responsibilities and prioritize those who actively work toward financial health.

9. The Overly Generous Giver

While generosity is an admirable trait, overly generous men can sometimes lack financial boundaries. They may prioritize helping friends and family over saving for their own future or supporting a partner. This behavior can be problematic if you’re already operating on a tight budget. Financial generosity without limits often leads to instability and resentment. Seek a partner who knows how to balance kindness with practicality.

10. The Financial Controller

The financial controller insists on making all the money decisions in the relationship, often disregarding your input. This type of behavior can lead to an imbalance of power and feelings of financial insecurity. Healthy relationships require open communication and shared decision-making about money. If someone tries to dominate your financial life, it’s a sign of deeper control issues. Choose a partner who respects your financial independence and values your opinion.

Choose Partners Who Align With Your Values

Navigating relationships when you make less than $100,000 a year requires careful consideration of financial compatibility. Avoiding these types of men can save you from unnecessary stress and help you focus on building a stable future. Look for someone who shares your values, supports your goals, and contributes equally to the relationship. If you found this article helpful, share it with friends and family who might benefit from these insights. Let’s work together to build smarter, healthier relationships.

Read More:

  • Did I Marry a Chauvinist? 7 Signs You’re Dealing with a Chauvinistic Man
  • Falling In Love Without Falling In Debt: Five Invaluable Tips for Frugal Dating
Latrice Perez

Latrice is a dedicated professional with a rich background in social work, complemented by an Associate Degree in the field. Her journey has been uniquely shaped by the rewarding experience of being a stay-at-home mom to her two children, aged 13 and 5. This role has not only been a testament to her commitment to family but has also provided her with invaluable life lessons and insights.

As a mother, Latrice has embraced the opportunity to educate her children on essential life skills, with a special focus on financial literacy, the nuances of life, and the importance of inner peace.

Filed Under: relationships Tagged With: Budgeting Tips, dating advice, financial compatibility, financial independence, financial literacy, financial red flags, healthy relationships, money management, Personal Finance, relationships and money

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