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 About Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her reading a good book, cooking, or traveling. She resides in New York where she loves the natural beauty of the area.

Are DINKs Happier? The Pros and Cons of the DINK Lifestyle

Man giving a woman a piggy back ride. Both are smiling.

While DINKs used to be a rarity among couples, that is changing. According to U.S. Census data, “Married-couple households without their own children under 18 were more common than married-couple households with their own children. Of the 59 million married-couple households, about 36 million didn’t have kids living with them and 22 million did.” As the population of DINKs grows, we wonder, are DINKs happier?

The Cons of the DINKs Lifestyle

The DINKs lifestyle does have some drawbacks.

Endless Questions from Family and Friends

Two women chatting and having coffee together

No matter how frequently you tell family and friends that you do not intend to have children, they likely will be unable to resist asking you if you’ve changed your mind. These questions may continue into your early 40s, and hearing them repeatedly can be aggravating.

Even when a woman is past child-bearing age, she may have others close to her ask her if she regrets her decision and wishes she would have had children. When individuals go against the status quo, they likely will face rude and intrusive questions. However, DINKs who are firm in their decision to remain childless do not need to explain why to anyone.

Trouble Making Childless Friends

Smiling family--mom, dad, older sister, younger brother

As DINKs age, they may find that their high school and college friends marry and have children. Those friends likely have less time to spend with the DINKs couple. So, DINKs may have to search for new friends—fellow DINKs. If they can’t easily find DINKs, then they may not have friends who are frequently available to get together and go out with them.

Loneliness as You Age

Elderly couple standing side by side and smiling

Another drawback is that you may become lonely as you age without children and grandchildren. A DINK couple I was friends with found this to be true. They thoroughly enjoyed the DINKs lifestyle from the time they were married until their 60s, when her health began to fail. He carried a heavy burden caring for her and sometimes questioned whether they should have had children. A larger family than just the two of them could have helped him carry the burden of her care.

However, some couples overcome this issue by maintaining an interest in their nieces and nephews’ lives. When those children age and become parents, they enjoy spending time with their grand-nieces and grand-nephews.

A Lack of Legacy

A cracked cross in a cemetery

Some DINKs, when they get to the end of their lives, regret that they don’t have a human legacy. Since they have no children, they don’t have anyone to carry on their name and causes. While this doesn’t happen to all DINKs, it does happen to some. As the end of life approaches, they may regret never having children to carry on when they are gone.

The Pros of the DINKs Lifestyle

If you’ve chosen the DINKs lifestyle, you’ll likely find more positives than negatives.

Both Can Pursue Their Careers

A power couple with each person working on their laptops.

While couples with children can pursue their careers, one person usually has to sacrifice their career occasionally. After all, someone must stay home to care for children when they’re sick, go to their sports games, or take care of them in the summer. Even if parents use nannies or daycare, one partner will likely have to sometimes interrupt their work to care for children.

However, DINKs couples do not have this burden. Both can work and pursue their careers because they have no other obligations except to one another. Because they have an unencumbered career path, they can advance further in their careers than someone with children.

More Financial Security

Pile of 100 dollar bills

DINKs couples are often more financially secure than their counterparts with children for two reasons.

First, they can pursue their careers more relentlessly than couples with children, as mentioned above. They likely make more money throughout their careers than those who have to start and stop their jobs because they have children.

Second, children are expensive! According to Northwest Mutual, “Raising a child in 2023 could cost an average of $331,933 from the time a child is born to age 18.” That number may seem outrageous, but consider the formula, diapers, daycare, sports, clothes, food, travel, and college parents typically pay for, and you see how the numbers add up.

A family with three kids will spend an average of one million on their children that DINKs couples don’t have to pay.

Better Retirement

Elderly couple driving a light blue convertible

Because they can both pursue their careers and don’t have to spend money on children, DINKs can have a better retirement than their married counterparts with children. As long as they prioritize saving for retirement and invest wisely, they can look forward to a wealthy retirement. The money set aside can afford them the retirement they want, whether that’s travel, taking classes, socializing, or donating to their favorite charities.

More Freedom

Couple embracing and looking out over a body of water

A DINKs couple has more freedom because there are only two of them versus a family of four or five. They can pack up and travel for a long weekend on a whim. They can take a class together or meet with friends after work. Without children and their schedules to consider, especially as kids get older, DINKs have much more freedom to pursue their interests.

However, that’s not all. DINKs can buy a house where they want without having to consider the neighborhood and the school district because they don’t have kids to attend school. In addition, if they decide to move across the country, they can because they only have to consider one another, not a family of several people.

Final Thoughts

Are DINKs happier? There isn’t a correct answer to a blanket statement. DINKs may be very happy with their lives, but their friends who are married with children may also be satisfied with their lives. The point is to pursue the life you want to live. If you wish to remain a DINK, you will likely be happy with that choice because it’s the life you want to live.

Read More

How Can DINKs Find Friends?

Do DINKs Need a Larger Retirement Fund Than Their Peers?

More Reasons Why DINKs Choose Not to Have Kids

How We’re Deciding When to End Life Insurance

Cupped hands holding a red heart with a heart beat line through it.

My husband and I bought a 20-year life insurance policy 19 years ago. Now that it’s almost over, we’re considering when to end life insurance. Should we renew? If we get another policy, how long should we buy it for? Here’s how we’re making our decision.

Are We Self-Sufficient Without the Other’s Income?

Mature man and woman sitting on a couch looking at each other with doubtful experessions

Since we were married, we have had combined finances. We’ve also gone through periods where I made significantly more money than him, and now, he makes considerably more money than I do.

Looking at our budget, mortgage debt, ages, and retirement, we immediately recognized that we were not yet ready to go without life insurance. If something happened to my husband, I would have difficulty supporting myself, especially since we bought a new house last year and only have about 25 percent equity.

Are We Old Enough to Pull from Retirement?

We still have about a decade before we can pull from our retirement penalty-free, so if something happened to my husband and I needed income, pulling from retirement is not an option for me.

Do We Have Enough in Retirement?

Open book with

While we’re making good progress saving for retirement, especially considering we started our careers with low-income and student loan debt, we’re not yet where we need to be. We will need to both work for at least the next 10 years to get our retirement to a level where we would feel more comfortable.

For How Long Should We Buy Life Insurance?

Based on our estimates, we need to buy life insurance for the next 10 to 15 years. Fifteen years would be ideal, but if the policy is too expensive, we could get by with 10 years.

What Type of Policy Should We Get and With Which Company?

The word

When we got our life insurance 20 years ago, we chose term life and went through a broker. This time around, we will likely do things differently.

We still plan to get term life insurance. However, we will ask our current life insurance provider for a quote to extend our term. After that, we will use a broker if we’re unhappy with our current provider’s quote.

Why Buy Life Insurance

Some people put off buying life insurance because they can’t imagine the unimaginable happening. However, my dad died when he was only 38 years old, so I have seen what happens when someone dies unexpectedly. There’s nothing worse than going through the grieving process and worrying about how to continue to pay your mortgage and put food on the table.

My husband and I will not go without life insurance until both of us can survive financially if the other one dies early. As much as we don’t want to spend the money monthly on a policy because we know life insurance will be more expensive now that we’re older, we will.

When do you plan to quit buying life insurance?

Read More

Should Couples Sign Up for Life Insurance Even If They Have Plans on Migrating?

Should You Buy Decreasing or Level Term Insurance?

4 Crucial Financial Traits to Seek in Your Ideal Partner

Middle-aged Asian couple each holding a fan of money

Woman sitting on a chair with man standing behind her embracing her

As someone who has been married for 23 years, I can argue that sometimes, being married is difficult. However, marriage is much easier if you and your partner are a good match and agree on significant aspects of life. Considering the second leading cause of divorce is financial problems (behind infidelity), choosing your partner carefully, especially when it comes to their financial traits, can help you avoid the emotional and economic upheaval that comes with divorce.

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4 Best Financial Gifts for Kids

Picture of a clock with a piggy bank beside it. The pig is wearing a graduation

A person handing over a white box with red ribbon

Do you have nieces or nephews? Or do you have friends with children you’re close to? If so, you may wonder what to give them for the holiday season. Sure, you could get them the latest gadget or toy, but what about financial gifts for kids? While a financial contribution may seem like a dull present, it’s actually a smart way to help the young people in your life get a financial head start.

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Gift Ideas for Adults Who Can Buy Whatever They Want

Two young women exchanging gifts with a Christmas tree in the background

A box wrapped in white paper with a red ribbon.

As you ease into full adulthood and middle age, you may face a difficult problem—what gifts to give your friends and family who have enough money to buy whatever they want. You may first face this problem with your parents, but as your siblings and friends also achieve strong financial standing, you may struggle with gift ideas for adults who can buy whatever they want. Here’s how I’ve handled that problem as I’ve gotten older.

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Red Flags: 10 Telltale Signs a Man May Be Using a Woman for Her Money

Man reaching for a woman's credit card while she pulls it away from him

Woman Standing with a Man Who Is Holding a Credit Card and Smiling

Being in a healthy relationship helps each partner flourish and grow. Unfortunately, most of us have been in unhealthy relationships from time to time. As such, knowing the signs a man is using a woman for money, or a partner is struggling with addition, or is abusive is essential. The more people know about the telltale signs of these relationships, the faster they can end them and protect themselves physically, emotionally, and financially.

10 Signs a Man Is Using a Woman for Money

If a woman wants to protect herself, both financially and emotionally, from one type of unhealthy relationship—being used for money—she’ll want to be aware of these signs:

He Showers Her with Attention

At the beginning of the relationship, this type of man will shower a woman with attention to hook her in. In addition, he will spend lavishly and try to impress her with his “wealth.” She will be in awe at how sweet and attentive he is. Then, when he feels that she is in love, the relationship will begin to change.

He Doesn’t Have a Job

This type of man often doesn’t have a job, but his reasoning will usually be because he has been wronged or is underappreciated, not because he has done anything that makes him unemployable. He will always say he’s searching for a job, but he will never find one.

He Doesn’t Offer to Pay

When they go out together, he will never offer to pay for their dates. He will expect the woman to pay. However, in the beginning stages of the relationship, when he is trying to hook her, he will pay for everything.

He Doesn’t Have Her Meet His Family or Friends

A man who is using a woman for money prefers the relationship to remain in a vacuum. He will not introduce her to family or friends. In addition, no matter how long they date or how serious she thinks the relationship is becoming, he will only see her alone.

He Doesn’t Care About Her Family or Friends

In addition, he will take no interest in her family or friends. If he is forced to meet them, he will interact as little as possible.

He Doesn’t Talk about His Finances

This type of man will not talk about his finances. If he is bankrupt, she won’t know. “‘It is completely appropriate during the dating phase to inquire about a person’s financial status and goals. . .’ said Liz Higgins, a relational therapist and founder of Millennial Life Counseling. ‘When this is met with closed-off responses or an unwillingness to dialogue, I would absolutely consider this a red flag’” (HuffPost). If she does discover his financial predicament, he will say, just as he does about employment, that his poor financial status results from someone else. Maybe he went through a divorce and he’ll say his wife took all the money.

He Knows about Her Finances

In contrast, he will ask the woman about her finances and know as many details as possible. After all, he is mining her for money, so he needs to know how much money is available.

He Encourages Her to Splurge (Usually with Him)

While he may not spend money on her after the initial dating period, he will encourage her to spend lavishly. He may want to go out to eat and encourage her to buy the most expensive item, and he’ll be right beside her doing the same. “Beware of anyone who tries to guilt you into paying for things or asks to borrow large sums of money. . . ‘Is your date asking for expensive gifts or trips?’ asks financial coach Tatiana Tsoir. ‘If they are, maybe they think you’re loaded, and it’s time to have a conversation!’” (HuffPost).

He Gets Made When She Says “No”

This type of man likes to get what he thinks he deserves. If she says “no,” to some of his spending requests, he will get angry. If he says no too often, he will break up with her and find a new woman who doesn’t say no.

He Lies

Finally, a man using a woman for money is not honest. He will lie frequently. If he is caught lying, he will lie to cover up his initial lies. According to the HuffPost, “‘A healthy relationship is built in part on shared values with money touching a lot of those values,’ [psychotherapist Noorhayati] Said noted. ‘Lying about your finances can and will ultimately strain your relationship and cause you to lose trust in your partner.’ The urge to hide or ignore money problems is understandable, but it’s crucial for partners to be honest about finances. Secrets and lies will only drive you apart and potentially lead to even worse financial issues.”

What to Do When You Recognize the Signs

Knowing the 10 signs a man is using a woman for her money can help her carefully evaluate her relationship. While she may deeply like her boyfriend or love him, if the feeling isn’t reciprocated, it’s time to move on. Remember, if she stays with a man who is treating her unfairly, she’s losing the opportunity to find a man who will love and appreciate her and treat her as she deserves to be treated.

To make way for healthier relationships, she’ll want to evaluate why she stayed in a relationship where she was used, build her own self-confidence and learn to set healthy boundaries. Marriage.com advises, “Cultivating self-love and enhancing your self-confidence are vital. When you believe in your worth, you’ll be less likely to accept being used as a norm.”

Final Thoughts

Unfortunately, there are many types of dysfunctional relationships. If a man is using a woman for money, he will likely exhibit some, if not all, of these signs. If you find yourself in this type of relationship, knowing the signs and being confident in ending an unhealthy relationship can help save you heartache.

Read More

What Are the Red Flags of Spousal Financial Abuse?

These 4 Toxic Money Habits Are Commonly Observed Among Narcissists

How Narcissism Affects a Couple’s Finances

Can You Become a One-Car Family to Save Money?

A red car parked in a driveway in front of a closed garage door.

White car parked on a driveway.

My husband and I were a one-car family for the first 16 years of our marriage. We knew we were saving money by having only one vehicle, but we didn’t realize how much until we bought our second car. We’ve owned two cars for the last seven years, but we’re both considering whether we could become a one-car family again to save money when my husband’s car dies. Like anything, there are drawbacks to only having one vehicle, but the savings are impressive.

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Do You Tip House Painters?

Do You Tip House Painters?

Do You Tip House Painters?

Most of us tip at restaurants and hair dressers.  We tip Uber and taxi drivers. We leave a tip for the housekeeper when we stay at a hotel.  When you tip people, you are showing the workers that you appreciate the job that they are doing. However, what about other service providers you may not use as frequently?  For instance, if you have your own house, you may have used the services of a house painter before. Do you tip house painters?

Do You Tip House Painters?

In general, you tip service providers because the pay they get from their employer is inadequate.  For instance, waiters and waitress make far below the minimum average as their base pay.  They rely on tips to lift their hourly wage to at least minimum wage.

House painters, on the other hand, make an average of $18 per hour, well above the minimum average.  In part because of this, tips are not necessary.

Why You Might Want to Tip

While tipping is not expected, there are several reasons why you might want to. If your house painter does a good job, you may want to give a tip as a show of appreciation.

Another reason that you can tip your house painter is if they complete the job ahead of schedule.

You can also tip the painter if he does some extra work for you or if he does an exclusive design for some of the rooms.

Finally, you may want to tip house painters if you think you might have more work for them in the future.  Tips are excellent ways to build goodwill.  If they are good house painters who are in demand, knowing that you tip well may be incentive for them to make sure they find time to take your job.

How Much Should You Tip?

Do You Tip House Painters?
Photo by Sharon McCutcheon on Unsplash

When you think of tipping, you likely think of 10 to 20 percent of the total price of the job.  However, if you have a 2,000 square foot house, having it professionally painted can cost between $1,500 and $4,000.  If you pay a 15 percent tip, you’ll pay between $225 and $600 depending on the final cost of the job.  That’s a lot of additional money to pay!

Do not feel that you have to pay a percentage of the job total.  Instead, settle on an amount like $25 to $50 per painter.  That is more than adequate.

Problems With Tipping

Even though you may have the best intentions, keep in mind some companies may not allow their workers to accept tips. However, you can offer (and they may be able to accept) a gift card.

Final Thoughts

While tipping house painters is unnecessary, you may want to tip them just to show your appreciation and gratitude for a job well done.  However, don’t feel obligated to tip 10 to 20 percent as you do at a restaurant.  Settle on a flat rate per painter instead.

Would you tip a house painter?

Read More

Annual Home Maintenance Checklist for All Seasons

Your Starter Home: 3 Tips to Find the Fixer Upper Among the Flops

Why I Don’t Think Anyone Should Tip–Ever

How to Turn $1,000 Into $10,000

How to Turn $1000 into $10 000

How to Turn $1000 into $10 000

When I was 20, I had worked at a community college as an English tutor for two years. When I quit the job to transfer to a university several hours away, I was given the choice of cashing out my retirement or rolling it over. I didn’t know much about finances, and I was broke, so I took the cash out. Even though my retirement account was only about $400, I sometimes wonder how much it would be worth today thanks to the power of compound interest. However, as Maya Angelou said, “When you know better, you do better.” Learn from my mistake and use these tips to learn how to turn $1,000 into $10,000.

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