Archives: Marriage and Money

‘Help America, Get Divorced’?

02.02.2012 10:37 PM

Matthew Yglesias’ piece in Slate, “Help America: Get Divorced! The coming boom in failed marriages and why it’s exactly what the economy needs,” is a perfect example of the short term thinking that creates far more messes than it resolves:

There are millions of “missing” households in America that can appear—through childbirth, divorce, or moving out—very suddenly if people get a bit more in their pockets. And each new household carries with it not just a home, but a wide array of appliances, furniture, and other durable goods. An income boost, in other words, could create a wave of household formation that drives nationwide incomes even higher.

Sure, America, get divorced and go shopping.  A divorced household means two refridgerators rather than one, and what could be better for the economy? Except that non-married adults don’t accumulate as much savings and assets over time, are less likely to own their home, have children who are more likely to struggle, and have fewer family caregiving arrangements to fall back on when health or finances get tough. Short term gain, long term pain. Perhaps there is another way.


Ruth Marcus at WaPo: ‘The marriage gap presents a real cost’

12.29.2011 12:37 PM

If current trends hold, within a few years, less than half the U.S. adult population will be married. This precipitous decline isn’t just a social problem. It’s also an economic problem. Specifically, it’s an income-inequality and economic-mobility problem. The steadily dropping marriage rate both contributes to income inequality and further entrenches it.

and

“Family structure is a new dividing line in American society,” Isabel Sawhill of the Brookings Institution told me. As marriage increasingly becomes a phenomenon of the better-off and better-educated, the incomes of two-earner married couples diverge more and more from those of struggling single adults. There is a chicken-and-egg conundrum at work here: Did lack of financial stability contribute to the decision not to marry, or did the decision not to marry contribute to financial instability? Either way, the phenomenon is self-reinforcing. Of even more concern is the generational impact of this increased inequality. Being raised in a stable, two-parent household is a strong determinant of educational achievement. In turn, educational achievement is a strong — and growing stronger — determinant of lifetime income. As a result, the marriage gap becomes a grimly self-perpetuating process. more

And see State of Our Unions 2010, “When Marriage Disappears,” to learn more.


David Brooks on debt, divorce then and now

12.29.2011 12:13 PM

…The progressive era still had a Victorian culture, with its rectitude and restrictions. Back then, there was a moral horror at the thought of debt. No matter how bad the economic problems became, progressive-era politicians did not impose huge debt burdens on their children. That ethos is clearly gone.

In the progressive era, there was an understanding that men who impregnated women should marry them. It didn’t always work in practice, but that was the strong social norm. Today, that norm has dissolved. Forty percent of American children are born out of wedlock. This sentences the U.S. to another generation of widening inequality and slower human capital development…


Douthat: ‘The Cratchit Tax Credit’

12.26.2011 4:05 PM

…the darker possibilities the Christmas stories hint at — divorce, abandonment, childhood suffering — are realities they have to live with every day. But that unhappy knowledge isn’t evenly distributed. In 21st-century America, the well-off and well-educated have the best odds of enjoying the domestic stability that the Yuletide stories celebrate, while the very people who most need resilient families — the Cratchits and Baileys, the working poor and the hard-pressed middle class — are less and less likely to have them.

This domestic dissolution plays a role in a host of socioeconomic ills: stagnating blue-collar wages, weakening upward mobility, stalling high school graduation rates, even the increase in juvenile obesity and diabetes. But it isn’t an issue that politicians of either party are particularly comfortable addressing. Liberals worry about seeming paternalistic and judgmental; conservatives recoil from the idea of increasing the government’s role in the most intimate of spheres. Thus America has a crisis of family life, but no family policy to speak of.  more

And see the State of Our Unions 2011 for more.


Marriage Disappearing? Only If You Don’t Have a College Degree

12.14.2011 10:31 AM

The Washington Post has a story on Pew’s new report showing that marriage is in retreat. The Post didn’t get my quote totally right. What I said was:

Almost half the births to high school-educated moms are out of wedlock. Among that group, we’re at a tipping point. Marriage is losing ground among middle Americans.

What can sometimes get lost in all these headlines is that the general “marriage in retreat” story is really three stories that we told in When Marriage Disappears, the 2010 State of Our Unions report from the National Marriage Project and the Institute for American Values:

1) Among the poor and the least educated Americans (about 20% of the nation), marriage has almost vanished;

2) Among working-class and lower-middle-class Americans or Americans with a high-school degree (what we call “Middle Americans”–about 50% of the nation), marriage is in trouble, is losing ground, and nevertheless has not yet disappeared from the family scene; and,

3) Among more affluent and college-educated Americans, marriage lost ground in the 1970s and 1980s but now marriage trends have stabilized in this segment of society (about 30%).

The new Pew report also shows this trend (see figure below).

What’s going on here? Partly it’s about economics–especially the fact that less-educated men now have much greater difficulty finding decent, stable jobs. Partly it’s about culture–paradoxically, we expect more from marriage and we are also more tolerant of departures from the marriage norm. And partly it’s about the unraveling of civil society. I put it this way for MSNBC:

“Strong marriages and strong families flourish in a healthy economic and community context. Those contexts have weakened particularly in working class and poor communities in the last 30-40 years,” Wilcox said. “People are less likely to be engaged in stable fulltime work, their church community, the Jaycees.”

 


‘Two Generations in Poverty: Status and Trends among Parents and Children in the United States’

11.29.2011 10:47 AM

A new Child Trends report.

Among the report’s highlights:

  • The younger the parent, the more likely a family is to be poor. Households headed by young parents (18-24) are more likely to be poor than households headed by older parents, regardless of marital status.
  • The younger the child, the more likely a family is to be poor. Families with young children (0-6) are more likely to be poor than families with older children.
  • Overall poverty rates mask much higher rates for some sub-groups, such as single-mother families, whose poverty rate was 40.7 percent in 2010, compared to 8.8 percent for married-couple families.

‘The Wrong Inequality’

11.01.2011 1:33 PM

David Brooks today:

In fact, the income differentials understate the chasm between college and high school grads. In the 1970s, high school and college grads had very similar family structures. Today, college grads are much more likely to get married, they are much less likely to get divorced and they are much, much less likely to have a child out of wedlock.

and

The zooming wealth of the top 1 percent is a problem, but it’s not nearly as big a problem as the tens of millions of Americans who have dropped out of high school or college. It’s not nearly as big a problem as the 40 percent of children who are born out of wedlock. It’s not nearly as big a problem as the nation’s stagnant human capital, its stagnant social mobility and the disorganized social fabric for the bottom 50 percent.

For more on how marriage is disappearing in middle America, see our issue of State of Our Unions released last December (and video of a discussion between me, Brad Wilcox and an audience at our Center for Public Conversation).


National Journal: ‘Death of the Girl Next Door: Social pathologies once thought to be the province of inner cities are afflicting small-town, working-class America’

10.11.2011 11:22 PM

A story by Edmund L. Andrews:

…A study last year by the University of Virginia’s National Marriage Project, drawing on extensive survey data, reached a startling conclusion: Marriage was becoming “the private playground of those already blessed by abundance.”

Family life has always been fragile and chaotic for high school dropouts and people at the bottom of the income ladder, especially among African-Americans. The surprise, according to researchers W. Bradford Wilcox and Elizabeth Marquardt, was that the same pattern was showing up among working-class people of all races.

The main dividing line, they found, was between “moderately educated” people who have just high school diplomas—about 58 percent of American adults—and “highly educated” people who have bachelor’s degrees or more.

“The family lives of today’s moderately educated Americans increasingly resemble those of high-school dropouts, too often burdened by financial stress, partner conflict, single parenting, and troubled children,” wrote Wilcox and Marquardt. “Wherever we look among the communities that make up the bedrock of the American middle class—whether small-town Maine, the working-class suburbs of southern Ohio, the farmlands of rural Arkansas, or the factory towns of North Carolina—the data tell the same story: Divorce is high, nonmarital childbearing is spreading, and marital bliss is in increasingly short supply.”

Infographic

Among college graduates, the study found, marriages are actually more stable now than they were in the 1970s. Only 11 percent of those marriages during the 1990s ended within the first 10 years. That was down from 15 percent in the 1970s.

By contrast, the divorce rate for people with only high school diplomas was more than three times higher and had edged up from 36 percent to 37 percent. More startling, 44 percent of children born to mothers with only high school diplomas were born outside of marriage in the late 2000s, up from 13 percent in the 1980s. Among college graduates during the same period, the share of children born outside of marriage climbed from just 2 percent to a still-low 6 percent…


Princeton/Brookings ‘Future of Children’ new issue on Work and Family

10.04.2011 3:26 PM

On September 26th, The White House and National Science Foundation announced new workplace flexibility policies to support American scientists and their families. The initiative will allow researchers to delay or suspend grants for up to one year for family obligations. Find more on work-family research and policy in Future of Children’s new “Work and Family” volume, which will be released tomorrow, October 5.


Marriage, Fertility, and the Economy

10.03.2011 1:20 PM

UVA’s National Marriage Project has released a new report, “The Sustainable Demographic Dividend.” A HuffPo interview with lead author Brad Wilcox, here.


No Wedding No Womb Launches “Map Your Future Campaign”

09.06.2011 11:47 PM

The “Map Your Future” campaign has two goals: to match at-risk youth with mentors on an online platform, so that no matter where in the world the participants live, the remote mentorship model will allow participants to communicate via the web through video chat, email, and instant messaging. We will select 20 high school and first-year college students to be matched with 100 mentors in the fields in which they want to pursue, but also have the mentors act as  surrogate elders, giving advice about how to navigate the social pressures they face. The second goal is to provide $1,000 grants to each child to help with educational costs like books, meals, tuition and supplies.

But we can’t do this without your generousity. Twenty students getting $1,000 = $20,000 total funds needed to kick start this program. And since this is a unique social media platform, we need software designers to build the code from the ground up, which will cost thousands.

We need your help! If you’d like to donate, click here. Any little bit helps, and no donation is too small.

Christelyn D. Karazin is the founder and organizer of “No Wedding, No Womb,” an initiative to find solutions to the 72 percent out-of-wedlock rate in the black community.


Yes, We Can: A Response to Readers about Cohabitation

08.27.2011 2:25 PM

Thanks everyone for the responses to “A College Degree is Just a Piece of Paper?”

“nobody.really,” I agree that you’re right to shift the focus of the analogy from a “college degree” to a “college education.” I should have said “A College Education is Just a Piece of Paper?” The important point is that for certain kinds of jobs, we expect people to pursue higher education—and not just by reading things in their spare time or doing what they can to talk to learned people; we expect them to obtain higher education through an institution: an institution with its own norms (i.e. don’t plagiarize) and structure (i.e. professors teaching students). It is precisely those norms that enable a college education to be a transformative process. Through the books that one reads, the professors that one encounters, the conversations with students in class—they are intended to expand the student’s grasp of the world. As the student learns, his thinking undergoes a transformation and his skills are honed. This transformation and development of skills works so well because it works within the context of an institution. Again, for people who are pursuing particular kinds of jobs, we expect them to receive a particular kind of education—in an institution. And we expect them to do that—or at least this is the way it should work—not because of some arbitrary requirement, but because higher education is supposed to be a transformative process.

 Just as a college education is supposed to be a transformative process, so marriage is supposed to be a transformative relationship. For instance, the norm to “love and cherish” the other person “for better or worse, for richer or poorer, in sickness and in health, until death do us part” spurs (or is supposed to spur) the married couple to constantly get outside of himself or herself and look out for the good of the other person. Just as one could try to get the equivalent of a college education through informal means, so a couple could try to live the marital vow through their own resolve and effort. But missing will be the public vow, the law reminding the couple of their promise, and the social expectation that you fulfill that vow. And in the absence of those public norms and the community’s expectations, the couple is left to do it on their own.

 Of course, one will say “But those expectations are exactly what we need to change! We should create laws that recognize cohabiting couples and as a society we should expect more commitment from a cohabiting couple.” 

 My question to that retort is “How would that be different than marriage?” If many people agree (as Rosin does) that serial cohabitation is a problem, what is the alternative? And if the alternative is not marriage, how is that alternative different from marriage? That’s a question I’d like very much to hear a response to—so if anyone has an opinion, please do share.

 La Lubu, as you can see from my thoughts above, we disagree about whether marriage creates stability or not. I would agree with you that marriage doesn’t create stability if marriage meant “as long as our love shall last” (and no matter what vows are said, I’m pretty convinced that’s that’s what a lot of people believe—that marriage should last only as long as feelings of love last). But if marriage means to love and to cherish for better or worse, etc. etc.—then marriage does create stability. And my understanding of marriage is the latter—so I argue that marriage can create stability if a couple (of course it takes two!) allows the marriage vow to shape their love into a sturdy and enduring love.

 Of course, it needs to be always said that a married couple should not stay together in cases of abuse. And neither should we put a scarlet letter on anybody who is divorced—who can know what a person endured?

 But despite all the divorce and abuse and cheating that young poor and working class people see, as I noted in my earlier post, statistics show that the vast majority of them still want to get married.

 The million dollar question for me is “How can we ensure that if and when they do get married they are able to experience a loving, happy marriage?”

 La Lubu, you believe that the best one can do is to get one’s financial independence absolutely staked out—and then get married. And then, it seems, basically hope that their marriage works out. If it doesn’t, the person always has his or her own career and financial resources to fall back on.

I’m suggesting we can do better than that. I completely agree that one of the greatest tasks of our time is how to create broader economic opportunity. But let’s not just focus on economics. Let’s do both/and. Let’s think about economy and culture. 

I’m suggesting we can give women and men the option of a better marriage story—a story that says you can realize your dreams for lifelong love. Remember the marriage vow is not simply to stick with each other “for better or worse … until death do us part.” Rather, it is “to love and cherish” through sickness and health, through little and plenty. In other words, marriage rightly understood has a norm of marital friendship—and of lifelong marriage. The two are inseparable.

And because of the human person’s potential for greatness in the area of love, we can create a social expectation of lifelong, marital friendship, so that when our children get married they are entering something safe and good. In the name of the greatness of the human person, we must firmly reject any determinist assertion that people—or any particular group of people—are incapable of experiencing lifelong love. 

That’s why Rosin’s suggestion that poor and working class people getting married “just isn’t gonna happen” is so insulting—it’s insulting to the aspirations and dignity of the human person. They long for lifelong love, and they are capable of achieving it.


How Does Government-Sponsored Gambling Impact Families?

07.21.2011 12:16 AM

Church bingo or poker around the kitchen table might be a personal decision, but should our government be in the gambling business? Read the Institute’s new blog, GetGovernmentOutofGambling.org​, and see what you decide. The blog is edited by the new Maggie Walker Fellow at our Center for Thrift and Generosity, Paul Davies, whose series of editorials on casino gambling at The Philadelphia Inquirer was nominated for a Pulitzer Prize in 2009.

Paul Davies writes:

Governments and casino operators like to tout gambling as fun entertainment. But the reality is gambling addiction affects roughly 15 million Americans, and often destroys families as well. Take Harrison County, Mississippi. Since casinos opened there the number of divorces have tripled. A survey of nearly 400 Gamblers Anonymous members found that nearly one third said their gambling problems resulted in their separation or divorce.

Gambling problems also lead to spousal abuse, neglect of children, and even death. As many as 50 percent of the spouses of compulsive gamblers have been abused, according to the National Research Council. A study of 10 casinos that opened found an increase in domestic violence in those areas, according to the National Gambling Impact Study, which also found an increase in abuse and neglect of children.

One acute problem has been the number of children abandoned or left in cars at casinos. In Indiana, 72 children were abandoned at casinos in 14 months. Children died in Louisina and South Carolina after being locked in cars while their guardian gambled. An Illinois mother was convicted of suffocating her infant daughter to collect the life insurance money to fuel her gambling addiction.

To learn more about the increased social costs and other negative effects that come with gambling, visit GetGovernmentOutofGambling. And please tell your friends.

No Money, No Honey

06.21.2011 11:50 AM

At Forbes.com, a story by Meghan Casserly:

“It goes back to the classic notion of no money, no honey,” says Bradford Wilcox, director of the National Marriage Project at the University of Virginia. “When men are not gainfully employed, couples are often unwilling to move forward to that next step.” more


Divorce is So Out of Style?

06.21.2011 11:44 AM

That is today’s question at the popular blog, Jezebel, referencing findings from our 2010 State of Our Unions report, “When Marriage Disappears,” co-published with the National Marriage Project at the University of Virginia, and this Pamela Paul piece in the NYT over the weekend.


Kathryn Edin: “Everything we used to think about the poor with regards to marriage is probably wrong.”

06.04.2011 6:48 AM

Kathryn Edin on Single Motherhood Among Poor Women

I really wish I could embed videos here — but since I can’t, please go watch the above video. It’s about nine minutes long.

Kathryn Edin is the co-author of Promises I Can Keep. I’d recommend that every Family Scholar blogger and reader read this book (and probably many already have). An Amazon review usefully summarizes the book: Read More


Are Attitudes Beginning to Change?

05.29.2011 11:58 PM

Last week I had the pleasure of learning about Jayvon Muhammad, a midwife in South Carolina, working on her own campaign against the alarming normalcy of out-of-wedlock births in the black community.  (Right now that statistic hovers around 70-73%, with some impoverished neighborhoods soaring to 90% and up.)  Jezebel picked up the story, and then Clutch, a widely-read online magazine for African American women, followed.

Of course both magazines were critical of Muhammad’s work, as per the usual order of the day.  Clutch writer Leslie Pitterson said:

Lost in this rhetoric is the assumption that all black women need or are ultimately seeking out to play the “feminine role.” While it is no doubt the tradition route, to assume that marriage is for every sister does not take into account that we don’t all share the same needs and desires.

I could go on a tirade about how the author is once again regurgitating the same rhetoric to justify the unjustifiable.  Let her tell it, 73% of black women just don’t think marriage is “for” them.  I seriously doubt that most of us would rather struggle alone and in poverty with little to no help or involvement from our children’s fathers.  That is a cruel lie.

But what was different, and what gave me pause and encouragement,were the comments from 122 women who weighed in on Urban Midwifery.  From the sounds of it, attitudes about normalizing the abnormal may be starting to change.

One reader said this:

I applaud this sister for taking a stand on an issue that has been plaguing the black/Latino communities for almost 30 years. Regardless of whether you believe marriage is for you, you have to be blind not to see how damaging the baby mama epidemic is to the success of our culture.

…and frank talk I can appreciate from another:

Black women are the only ones who settle for crumbs or settle for having several kids – not just one – without expecting the man to marry her.

Overwhelmingly, Mohammad’s work was supported quite plain.  It looks like people are feeling more free to say “the sky is blue,” and that’s a very, very good thing.

Christelyn D. Karazin is the founder and organizer of “No Wedding, No Womb,” an initiative to find solutions to the 72 percent out-of-wedlock rate in the black community.

 


Culture Matters, But Money Matters Too

05.24.2011 1:46 PM

At this post, where I wrote about a South Carolina-based midwife who has something to say about marriage, commenter “Jill” wrote this:

I get that having a spouse can often provide additional support in the sense of caring for children, but when you’re talking about poor women, you’re usually talking about poor men, too. The problem with pushing marriage is that, yes, the couple together is making more and sharing more duties than either alone (we hope!), but then the mother also wages out of a lot of social services, without adequate income to make up those services through the private sector…

And commenter “Brian” responds:

Jill raises some very important points.   If you are poor getting married is not always the wisest choice  in this country because, as Jill notes, it will often result in making a person ineligible for any social supports, housing subsidies, medical care, food stamps, etc..

The response of the right wing in this country is to abolish the little that is left of a social safety net and to rely instead on stigmatizing out of wedlock births and single parenthood.   I am surprised how little attention Family Scholars Blog  gives to economic policies that impact people’s choices about marriage and raising children.

Perhaps Jill and Brian might like to read our recent proposal, “The Other Marriage Penalty: A New Proposal to Eliminate the Marriage Penalty for Low Income Americans.”

Or a working paper from 1999, ”A Call For Family Supportive Tax Reform.”

Or our 2009 edition of State of Our Unions, “Money and Marriage.” Or our 2010 issue on “The Retreat from Marriage in Middle America.”

Or our recent literature review on the interconnections between thrift and marriage.

Or look at the site of our Center for Thrift and Generosity, for example Center director Barbara Dafoe Whitehead’s recent New York Times Room for Debate blog post on “Why Americans Can’t Save Money.”

Or stay tuned for upcoming news of our Nest and Nest-egg Initiative. Lots will be rolled out in the next couple of years.

The Nest and Nest-egg initiative is dedicated to exploring and promoting the best ways to strengthen marriage and thrift as broadly achievable pathways into the American middle class.

To rebuild the nest: We seek to eliminate the disincentives to marriage in law, public policy and popular culture and to strengthen marriage as the culturally favored and socially supported child-rearing institution.

To build a nest-egg: We seek to build pro-thrift institutions for those Americans who have increasingly turned to “anti-thrift” institutions such as payday lenders and government lotteries in the hopes of getting ahead.


Milwaukee Journal Sentinel: ‘It’s about them–and us’

05.23.2011 10:09 AM

Columnist Patrick McIlheran writes:

A hundred or so social-service types and officials and deputy this-and-thats came to talk in Milwaukee last week about welfare and the family – mainly about how people on welfare so often have single-parent families and what could change that.

You’d think this would be all about getting poor people to do something different. Yet the most arresting talk was about changing the rest of us.

“It’s not a ‘them’ problem,” said marriage scholar David Blankenhorn. “It’s a ‘we’ problem.”

Want to reduce poverty? Then address “our complicity,” he said, in creating the culture that got us to where huge numbers of children now are born into families where they’ll grow up with one too few parents.

Yes, he’s talking about you and me…read more


Money Management for Unmarried Couples

04.07.2011 12:29 PM

There’s an interesting post today on one of my favorite personal finance blogs, Get Rich Slowly. In Financial Security for Unmarried Couples author Sierra Black talks about “the careful planning and legal documentation” that unmarried couples need in order to wisely manage their assets. Some things that happen automatically when a couple is legally married (legal rights to make decisions in case of death or illness, for example) take a little more initiative on the part of couples who chose to live in unmarried partnership.

Yet for many couples this added complication is no deterrent to settling on a comfortable cohabiting relationship in lieu of marriage. One couple in their mid-thirties explains:  

“We have no plans to get married in the future. We’re happy being unmarried to each other. Right now I feel like the most likely reason for us to get married would be if we had no other way to achieve some critical benefit associated with marriage, like if we had to get married to get our daughter health insurance. But so far nothing like that has come up.”

This reminded me of something I noticed last summer while interviewing young adults about their views on marriage. When asked if they plan to marry, people would either say, “Why get married?” or they’d say, “Why not?” Both groups acted as if the answer was obvious—the question seemed silly to them. For some, it was taken for granted that you marry the person that you love. For others, it seemed obvious that marriage is a path wrought with troubles and leading to divorce court.

When I dug deeper, people who took marriage for granted often cited emotional, legal, religious, or financial reasons for marriage. Those who didn’t see the point in getting married usually said that marriage wouldn’t change anything, but then sometimes went on to talk about some of the inconveniences of an unmarried partnership. For example, Sarah, a mother of three, talked about how even though her boyfriend of nine years had good benefits at his job, the couple shelled out a lot of money each month to pay for her insurance.  She told me that if they were married, they’d be saved this expense. Given her mother’s four marriages, though, it’s understandable that Sarah felt that a monthly insurance payment was small price to pay to avoid the cost of a potential divorce.