Me and my partner are fully committed. My partner has about $30k in student loans and $6k on a car loan. I have 0 debt. I make roughly 3x as much as my partner, enough to have exceeded the income limit for a Roth IRA. I am currently working with a financial advisor to fix the Roth IRA situation as this is the first year I’ve exceeded the income limit. My question is, what are the FINANCIAL pros and cons of us getting married? There are tax breaks, but also higher student loan payments when married. I’m also aware I could contribute to their roth while they pay down debt, but not sure what would be the best route for us both. To get married now, or to hold off until debt is down? Reiterating that we will eventually get married and finances are the determining factor for that timeline
Edit: household income is roughly $270k
Are you planning on having children? Do you live
in a community property state?
I wouldn’t want to have children if I wasn’t married. Personal choice, but children require both partners to make tough choices about their careers and income and often one partner takes a bigger hit than the other. If you are making these decisions together, you should both be responsible for helping each other through a breakup if children are involved.
Not a lawyer, but maybe a prenup could be signed regarding the responsibility of the premarital debt in the event of a breakup. Also, possible to put in writing that if debt is paid off it’s a gift that needs to be paid back if marriage ends within xx amount of years (see a lawyer).
In the US, there are tax advantages to being married and spouses can usually be added to health insurance plans.
What tax breaks? There aren’t any these days. Marriage can help with health insurance and estate type stuff, but not taxes. And $270k combined makes you ineligible for Roths.
Tell your partner to pay their debt off then you can get married.
Do you love in a alimony state? Financially that is a con should the marriage end. Usually 1 year of support for every 3 to 5 years of marriage. If you are the higher earner you would pay it. Plus equal division of assets (not including inheritance during the marriage) and debt. This could result in hundreds of thousands of dollars in payments and divided assets.
$36k is not that much money in the big scheme of things. If your really in love and it is genuine then talk about the debt and a budget and get married and pay it down. Not everything is a financial transaction. Was in a similar position to you and I paid off her student loans and everything worked out great. She makes more than me now, lol
Usually there are other economic benefits of getting married. Have you estimated how much you will or won’t benefit from filing married joint tax return versus both filing separate single tax returns. Medical insurance can be cheaper if one has access to a better plan than the other and both go on the one better plan and same may be true with car insurance.
There are situations in life where being the spouse is important as it gives you legal authority you don’t have as a roommate like important medical decisions in the hospital (things happen, car accidents, unexpected health issues, etc..). Maybe not a big deal, but I have certainly heard stories where a significant other was upset there SO’s family member made important medical decisions they wish they could have made. It’s not just a piece of paper, it’s a legal contract which gives both individuals right’s they would not have otherwise.
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