The Advantages and Disadvantages of Marriage
Marriage has been a part of human culture for thousands of years. Almost all cultures and religions on the planet have some sort of partnership ceremony. In some cultures, men are allowed to have multiple wives; however in most places, marriage is limited to one man and one woman.
In recent times, marriage has become less popular, especially in developed countries. The institution suffered a dramatic decline in the middle-to-late 20th century—partly due to increased divorce rates, but also because many couples have chosen not to marry at all. The traditional concept of marriage has also been challenged in recent years by people who believe that gay couples should have the same opportunities to wed as straight couples do.
Below you'll find a list of the main advantages and disadvantages of marriage.
Advantages of Marriage
- Companionship. Most humans are not solitary and crave companionship. Life is enhanced when experiences can be shared with another person who cares and shares your interests and concerns.
- Acceptance. Marriage is an accepted way for two people to show their commitment to each other. Most institutions—from governments to corporations—have policies that give concessions to married couples.
- Endurance. Couples who marry have been statistically shown to stay together longer and are more likely to bond for life.
- Stability. Marriage benefits society generally because it is associated with stable families. Stable families produce happier children and a more stable society with less crime and fewer social problems.
- Finances. There are often financial benefits associated with marriage. Taxes are often lower. Financial issues and legalities such as inheritance can be easier to sort out when a couple is married.
- Partnership. Marriage is about sharing burdens and responsibilities, and that can lead to less stress (financial or emotional). Raising a child, for example, is relatively easier for two parents than it is for one.
- The Family Unit. Marriage gives a child two parents, which can help a child to develop into a balanced and happy adult. Children have two different role models to look up to and twice as much potential support, emotionally and practically.
- Sex. Marriage promises and helps deliver a happy sex life. Partners can get to know and fulfill each others' desires in a trusting long-term relationship. Monogamy also reduces health risks such as sexually transmitted diseases.
- Religious Reasons. Most cultures have religious reasons for getting married. A religious marriage can be a way for a couple to deepen their bonds to each other, as well as help them form a deeper relationship with God and receive His blessing.
By retirement, the average married couple has accumulated about $410,000 worth of assets, while those that never marry accumulate about $167,000. Divorced people average $154,000 accumulated assets at retirement.
Disadvantages of Marriage
- Infidelity. Fidelity is not a natural state for humans, especially during young adulthood when sex drive is its strongest. Most married sex lives fade over time, which can lead to affairs and other infidelities.
- The Rut. Many couples get stuck in a rut, repeating the same arguments over and over. The key differences in their personalities never go away. Petty problems and irritating habits become magnified over time.
- Lack of Individuality. Marriage restricts an individual's freedom. Single people can happily live their lives pretty much as they please without having to be concerned with the needs or wishes of others, but marrieds must always consider others' needs.
- Family Conflict. Couples have to deal with their partner’s families, which can be a source of problems and conflict.
- Red Tape. Getting married can mean extra bureaucracy and red tape, especially when the wife changes her name and official documents such as social security and driver licenses have to be changed.
- Limitations. Society has moved on; the traditional idea of marriage is outdated. Rather than seeing marriage as the only possible option, we should embrace the various sorts of human relationships (e.g. single-parent families, gay couples, etc.) and expand our definitions and limits.
- Conformity. Marriage is about seeking approval from civil and religious authorities when it should be just the opinions of the two people in the relationship that matter. Relationships should be purely personal: religion and government don't need to be involved.
- Financial Penalties. There are some financial disadvantages to being married. The "marriage penalty" is when married couples end up paying more in taxes than they would if they hadn't married. Divorce costs can also be huge if you make a mistake and marry the wrong person.
- Expensive Ceremony. Marriage ceremonies can be very expensive and extremely stressful. It is not uncommon for relatives to take over and for the couple's wishes to be sidelined.
- Getting Stuck. Marriage can extend the time that a couple stays in a bad or unhealthy relationship—for instance, where the pair is simply ill-suited or where there is physical or emotional abuse. Couples may be persuaded to stay together due to religious or cultural taboos against divorce.
50% of all marriages in the USA are estimated to end in divorce. Despite this, there are still plenty of people who choose to tie the knot, whether for romance, tradition, or religion.
Do you think marriage is a good thing overall?
What are the financial pros and cons of marriage?
According to some estimates, married men earn as much as 40% more than their single peers, and the longer a man is married, more he benefits financially in terms of salary. Married women also see bumps in salary (unless they have children).
It's easier to build wealth and accumulate assets as a married couple... assuming there are two incomes. A study at Ohio State University showed that married people's individual net worth was 77% greater than singles', so marriage seems to have a very positive impact on wealth creation and accumulation. Married couples can also expect a 16% bump in wealth for each year of marriage.
Legal marriage offers financial protection in case of divorce. After the divorce, the court might require one ex to pay support or alimony... but with no marriage certificate, the break up won't come with any financial support (which might be seen as a pro or a con, depending on whom you ask).
For some, marriage means lower taxes... but it depends on how much you make. For many, marriage can result in higher taxes.
Spouses don't have to pay estate tax, but non-married couples do. That means if a married person dies, their partner will automatically inherit all their assets without paying the inheritance tax they'd have to pay if they hadn't married.
Sharing a health insurance plan usually saves money, and many companies still require marriage for shared coverage.
A surviving spouse can inherit Social Security benefits. Anyone who was widowed or divorced after ten years of marriage is entitled to their spouses' Social Security benefits.
Weddings Are Expensive
The average price tag of a US marriage is $38,700, according to WeddingWire's survey and Newlywed report. If you skipped the elaborate shindig, that money could be invested in something more profitable.
What are the legal benefits of marriage?
For many, legal benefits are a main reason for tying the knot.
A spouse can inherit the estate without paying taxes, but if the couple is not married, they will have to pay to transfer inheritance.
Legal decision-making benefits:
Married couples automatically earn next-of-kin rights for hospital visits and the ability to make medical decisions for their spouse.
Filing joint taxes:
Not every couple will benefit tax-wise by getting married. In fact, if they're both high earners, it might not be smart. However, many do get a qualify for tax credit and get deductions for filing jointly. It depends on how much money you each make.
If married, you can make any gifts or transfer an unlimited amount of assets to your spouse without paying a transfer tax.
It's easier for married couples to share health insurance and get a loan or mortgage.
Death and inheritance benefits:
Inheritance is automatic for married couples, which allows a surviving spouse to waive inheritance taxes. Surviving spouses are entitled to their spouse's benefits like retirement (IRA), social security, disability, veteran, military, and pension plans.
Research consistently shows that if parents get and stay married, their children live longer and healthier lives.
What are the disadvantages of marrying young?
The disadvantages of marrying too young include...
- low income due to lack of career development, training, education, or advancement,
- the inability to live alone as a couple due to lack of savings,
- people live a long time nowadays so you will be together for decades... but people can change a lot over a period of just ten years.
- it's a proven fact: those that delay marriage end up choosing their partners more wisely and having longer relationships as a result.
- research shows that people who marry before age 25 are twice as likely to divorce.
In marriage there are no manners to keep up, and beneath the wildest accusations no real criticism. Each is familiar with that ancient child in the other who may erupt again. We are not ridiculous to ourselves. We are ageless. That is the luxury of the wedding ring.— Enid Bagnold
This content is accurate and true to the best of the author’s knowledge and is not meant to substitute for formal and individualized advice from a qualified professional.
Questions & Answers
- Helpful 254
What problems can in-laws create for a woman in a marriage?
There are numerous ways that the husband's family can create problems for you as the wife, four of the most common include:
1. The in-laws are over-sensitive and grill you for information. They regularly complain that they aren't getting enough attention, or that they are being mistreated.
2. The in-laws are over-controlling; if you arrange anything with them, they insist on being in charge.
3. The in-laws don't respect boundaries; they turn up uninvited and unexpected to visit grandchildren. They also don't respect your plans and wishes.
4. The in-laws are religiously or politically fundamentalist; they lecture you and your family on how you should live your lives.Helpful 33
How do governments promote marriage?
Governments generally use laws, budget allocations, and administrative regulations that work in the favor of married people to promote wedlock. For instance, married couples can be granted tax breaks, or more favorable inheritance laws. At the same time, governments might use the same tools to discourage unmarried couples, or single parents.Helpful 23
Does traditional marriage offer more advantages for men rather than women?
Modern attitudes tend to emphasize ideas of equality much more than they did in the past. Historically, married men were expected to be the main breadwinner in a marriage, and the wife's role was more centered around childcare, housekeeping, and other domestic chores. In a traditional marriage, men tend to have a higher status, have more involved careers and jobs, take more of the important household decisions, and play less of a direct role in childcare and many of the mundane household tasks.Helpful 32
What are the disadvantages of marrying young?
Disadvantages might include: low income due to lack of career advancement, restrictions on where you live and work because you have to take your partner into account, people live a long time nowadays so you will be together for decades, people can change a lot over a period of just ten years when they're young, as well as people choose their partners more wisely with the extra experience of age.Helpful 53
© 2011 Paul Goodman