Waiting For A Man To Get Financially Stable – Things To Consider

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Written By Alexis

Alexis has 7 years of experience as a relationship therapist, a degree in psychology, and a deep personal understanding of human relationships.

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waiting for a man to get financially stable

It’s cute to meet someone who is everything you’ve imagined, and it’s even more remarkable when you both have a lot in common, especially interests, values, and goals. 

When you meet that special someone who makes you feel empowered and prioritizes your well-being, taking the next big step becomes more effortless.

When you find a man who ticks all the boxes except financial stability, questions like waiting for a man to get financially stable is it worth it would surely arise. 

If you struggle with not knowing what to do in a relationship with a financially unstable partner, you are not alone.

Research has proven that women are biologically hardwired to emphasize their partners’ financial stability to ensure their kid’s survival. 

Women value Security and safety; this is why being financially secure is a strong attraction point. 

Unless he comes from a wealthy background with generations of money and riches, most people aren’t usually financially stable in their teens or even their 20s and much less in their 30s.

So, if you’re expecting your man to be on the Forbes list of billionaires, then you have to be realistic and consider various economic factors.

According to the International Monetary Fund Global Financial Stability Report 2023, after the COVID-19 pandemic and a series of tumultuous tests, the financial stability risks have increased rapidly, with the core inflation still high in many advanced countries. 

The current global economic status is a huge factor to consider before setting high standards on how you want your partner’s financial buoyancy to affect your decision.

Let’s delve into this topic and explore the different perspectives.

ALSO READ: What To Do When Your Boyfriend Is Draining You Financially

Waiting For A Man To Get Financially Stable: Is It Worth it?

Waiting for a man to get financially stable is not wrong; it simply means you’re a focused woman who knows what she wants. But while waiting for him to get financially stable, never pause your life; also work for financial stability to meet him halfway.

I understand that when you meet someone who truly resonates with your energy and treats you with the utmost care, regardless of their financial situation, you may want to grow and explore the relationship to the next level with him.

While this might appear enchanting and feel like a dream come true, it’s crucial to be patient and understand his personality, especially when he isn’t financially stable. 

Although love plays a vital role in nurturing a relationship, financial stability fortifies it and alleviates the challenges you may encounter.

Benefits of waiting for a man to get financially stable

1. You focus mainly on growth

Waiting for him to achieve financial stability can provide an opportunity for both of you to concentrate on self-improvement and personal growth, which can significantly benefit your relationship. 

For instance, with the work in progress of meeting life’s basic needs, you can explore new educational opportunities, advance professionally in your career, and enhance your skills together, fostering a profound sense of personal achievement. 

2. You will have shared values

Waiting can help you both establish similar goals and values. By prioritising financial stability, you’re more likely to complement and support each other better.

Goals indicate how compatible you are, not only with your personalities but also with your intellects, passions, and priorities. 

Goals help you reach a common ground of understanding and achievements.

3. You create stronger bonds

Being patient and waiting for a man to become financially stable can be a good thing. It can help you bond more with him. 

Working together to achieve financial security can lead to a better understanding between the both of you, making your relationship stronger and more meaningful.

A stronger bond in a relationship enhances longevity and promotes better understanding. 

This understanding provides a solid foundation during conflicts or misunderstandings, effectively resolving issues. 

4. It fosters trust and deepens your bonds

As you both work to become financially stable, you build trust in the course of the relationship. If issues are well managed, you begin to grow into one another. 

This feeling and experience are priceless. 

As time evolves, you both realise you are into the relationship to nurture and care for one another and not for the benefits that come with the relationship. 

This level of trust can only be shared with a partner who grew with their other half into financial stability. 

5. You grow together

Waiting for your partner to get financially stable is a journey that leads to mutual growth in your relationship. 

The time spent together building their financial well-being can strengthen your connection, shaping your perspectives and aspirations.

Mutual growth is vital in your relationship as it can transform circumstances and cultivate a unique love and understanding between you and your partner.

6. Invest time into each other

Another advantage of waiting for a man to get financially stable is that it allows you both to invest enough time in the relationship. 

This invested time creates a strong foundation for a smoother and more harmonious relationship in the future. 

It ensures that the bond between you two is well-established and can withstand the challenges that may arise down the road, promoting a healthier, enduring connection.

ALSO READ: Reasons Your Boyfriend Works But Never Has Money

How To Handle A Relationship With A Man Who Is Not Financially Stable

1. Rely on honesty and trust

Again, communication is key; there needs to be some level of communication about what you think and how you feel about money, including your beliefs and fears. 

How important is money? What could cause issues in your relationship? Be honest about how you feel; this will allow your partner to understand your emotions and vice versa.

2. Be supportive

Bearing the financial burdens alone in a relationship can be frustrating, but criticisms and blame games shouldn’t be the ruling factor in your relationship. 

Use supportive words like “I understand you’re trying, and I’m here for you” or “I don’t like how things have been going lately, and I would love for us to talk.”

3. Budget together

At this point, the “T” principle, which stands for teamwork comes in. Start by grabbing a notepad and making a nice cup of coffee.

It could be in the living room or the bedroom—make sure you both work together to set goals and create a budget. 

And don’t be too serious; it’s not a bank statement, so have fun with it.

4. Make time for fun

Relationships aren’t just about who’s paying the bills and who isn’t or how much money keeps the house running. 

If you only focus on finances, you’ll miss out on all the good things in your relationship. 

Even with a limited budget, you both can have a great time and enjoy a few dates together. Here’s a list of fun activities you both can engage in with a low budget;

  • Picnics
  • Bike riding
  • Go Hiking
  • Go stargazing
  • Create an indoor date
  • Play board games: For example, playing chess, scrabble, checkers.
  • Go swimming
  • Visit the museum
  • Visit the beach

There are countless leisure activities to enjoy with your partner and numerous memories waiting to be created. 

Get creative, and don’t forget to bring a camera for the journey.

5. Take one step at a time

Once you’ve reached an agreement together, you should relax and go with the flow. 

Remember, you’re not alone; you have your partner by your side and on this journey together. 

Concentrate on the present and avoid worrying about things beyond your control.

6. Seek financial advice

There’s absolutely nothing wrong with seeking help from a financial advisor. Their role is to comprehend your financial objectives and aid in devising strategies to attain them.

Your advisor can also assist you in crunching the numbers and reviewing your expenses. 

This can offer valuable insights into areas where you can enhance your spending habits and where you might need to make adjustments.

ALSO READ: Why Your Boyfriend Doesn’t Take You Out On Date

7. Set short and long-term priorities

“Ultimately, the bond of all companionship whether in marriage or friendship is conversation”- Oscar Wilde. 

Working together can be difficult when you have no idea what the other person is thinking or feeling—start the conversation by coming off gently. 

Create an incentive to save money by consolidating all income and sharing it jointly. 

Focus on long-term goals; for example, you can pay off a $100,000 mortgage within the next few years while also addressing short-term goals like saving for a down payment on a new house in 2-3 months.

Prioritize debt reduction by taking gradual steps to reduce interest payments. Set achievable financial goals with the remaining funds. 

If the budget appears too high, it’s evident that you both need to curtail your spending habits to save more.

8. Assist but don’t become his provider

If the man in question is your boyfriend, offering assistance with job prospects or his resume is a good suggestion only if he welcomes your help. 

Moreover, it is not your responsibility to be his sole provider. 

Assess his attitudes, habits, and lifestyle to determine whether the relationship is mutually beneficial to you.

9. Know your spending habits

Your spending habits play a significant role in determining whether or not your financial plans will succeed. 

Take note of these habits while dating, be honest about your lifestyle and preferences, and take your partner’s background into account.

10. Less ego, more caution

Pride can arise from being the primary provider in a relationship or marriage, leading to power struggles and the growth of bitter emotions. 

It’s crucial for you to be sensitive and cautious about your choice of words and actions towards your partner. 

Men dislike being perceived as incompetent when they are really trying their best, so it’s best to avoid intentionally damaging their pride.

11. Ensure you have the same goals

Achievement is the desired outcome for goals that we strive for to provide us with direction, purpose, and motivation. 

Goals indicate the mutual efforts you and your partner put into keeping the spark in your relationship.

It takes two to tango. You can’t be the sole one with expectations and dreams. So, take a moment to reflect and ask yourself a few personal questions. 

Where do I see myself with this man in the next two years? What are his goals and plans, and how dedicated is he to achieving them?

Most importantly, do our perspectives align? 

You may receive both positive and negative answers. 

If they are positive, you both can find common financial ground. If they aren’t, don’t worry; you can always talk about it, and if it doesn’t work out after that, maybe you two aren’t a good fit for each other.

ALSO READ: How To Spot Men That Use Women For Money

12. Don’t keep secrets

Keeping secrets from your partner causes a lot of unwanted problems. Be truthful about your finances if only he is responsible. 

Expenses made should also be discussed depending on your financial plan and what you’ve both established as a standard in your relationship.

13. Create Joint accounts

This allows you to put some of your financial resources into a shared account, making it easier to manage expenses, save for common goals, and track your spending if you live together.

With a joint account, you can streamline bill payments and even plan for larger purchases or vacations as a team. 

It promotes transparency and shared responsibility, fostering open communication about money matters. 

However, it’s essential to have clear agreements on how the account will be used.

14. Save for future plans such as having kids or going for adoption

You both should save for the sake of your future kids if you desire to have them.

Family planning savings should cover pregnancy, childbirth, childcare, or adoption fees. 

It’s your responsibility to ensure that your child has the essentials after their birth.

15. Saving for a retirement plan

Retirement savings are a long-term goal for couples, it involves contributing to retirement accounts like 401(K)s or IRAs, considering employer matching programs, and exploring investment options. 

Saving from the golden years can help ensure a comfortable retirement for both of you.

16. Setup emergency partner fund together

This is a financial safety net that couples establish to cover unexpected expenses. 

It’s important to have separate savings accounts dedicated to this fund and contribute a portion each from your income. 

It could be helpful in unforeseen events such as medical emergencies, car repairs and help during job loss.

Final Thought

Undoubtedly, love is the most essential ingredient that makes a relationship thrive. Sadly, it isn’t the sole factor in building a solid and lasting connection. 

While love forms the foundation, other elements like communication, trust, compatibility, shared values, and financial stability are crucial for long-term success. 

It takes effort, compromise, and commitment from both parties to sustain a healthy and fulfilling relationship.

Money won’t only make you happy, as much as it’s needed to ensure security and safety; financial stability also has downsides. It could create a sense of complacency or a reluctance to step outside one’s comfort zone. 

It also overshadows other fun aspects of life, so while waiting for him to get financially stable, ensure to strike a balance and prioritise a holistic approach to life that encompasses more than financial stability.

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