A painful lesson from those who have experienced it: the only reliable thing in marriage is savings

Late at night, I came across a message on my social media:; After five years of marriage, I realized that the warmest thing was not his embrace, but the balance in my bank card;. This sentence is like a small stone, suddenly hitting the hearts of many people. In contemporary marriage, love may fade and promises may expire, but deposit numbers always give you a sense of security in the most objective way. This is not about worshiping money, but a practical wisdom that anyone who has experienced life's setbacks understands.

1. Why savings become the cornerstone of marriage

1. Economic independence is the only way to have the right to choose

When marriage is in danger During the flight, the number in your bank card is your escape pod. I have seen too many people have to endure bad relationships due to economic dependence, and I have also seen people with savings who can calmly say; I can start over;.

2. Jointly resist life risks

From a child suddenly having a high fever to an elderly person getting sick and hospitalized, savings are the first line of defense against accidents. Those late night arguments over money consume emotions more than any conflict.

3. Maintain the confidence of personality equality

The most feared thing in marriage; Who makes money is the final say" The abnormal relationship. Only when both parties have economic capacity can they stand on an equal footing for dialogue, rather than begging or compromising.

2. Three Taboos of Marriage Savings Bank

1. Blindly Handing Over Financial Power

I have seen cases where I gave my salary card to the other party and even had to borrow money for a taxi during divorce. It is recommended to keep a personal account and use a joint account for joint expenses for greater security.

2. Excessive consumption for face.

Wedding showboating, school district housing anxiety, and competitive parenting, these face saving projects that empty wallets often cannot bring true happiness.

3. Neglecting hidden asset allocation

In addition to cash deposits, health insurance, financial income, and vocational skill improvement are all hidden deposits in marriage, which are much more effective in critical moments than romantic words.

III. Methods for Smart Couples to Save Money

1. Establish a Marriage Emergency Fund

It is recommended to save enough money for 6-12 months of household expenses, which should be like firefighting equipment, unused but always available for use. It can be agreed that extraction requires signatures from both parties to avoid impulsive consumption.

2. Implement separate account management

Daily expenses are shared, but a portion of income is retained for free disposal. Not only does it avoid calculating every penny, but it also meets personal consumption needs.

3. Cultivate the habit of joint financial management

Regularly review the household balance sheet together and visualize the savings goals. For example, turning travel funds into progress bars and saving money can also become a sense of achievement. Marriage is like a sailing boat, savings are not cold numbers, but ballast stones that make you not afraid of storms. It cannot guarantee eternal sweetness, but it can guarantee that when a storm comes, you have the capital to wait for sunny weather. Let's start depositing the first money into that exclusive account, this is the most genuine love letter in contemporary marriage.