The Beacon in the Sky

Insights for Balanced Lifestyles


Your relationship is not just the relationship but a financial relationship.


During building a romantic relationship, I think people reach the point that has the question, “Do I need to take her/his financial baggage?”, especially, if they are very serious in my experience. As far as I remember, Dave Ramsey once mentioned in his book, in the US over 90% people have a credit card debt, and if you are free from debt you are top 10% of the US. It’s somewhat exaggerated but I think it has a point. I have noticed some people spending money, tried to please others or other’s eyes rather than being practical and saving money for future, by consideration of their social rejection or ‘the standard’ they were belong to.

Recently, I read the article, 4 things first-time home buyers need to know (CNN Money, Vasel 2017). Like the lady said, Ms. Right and Mr. Right meet together it is good. But, you need to consider something, which is the financial relationship. “There is a good debt and a bad debt. Student loans.. it can be a good debt. Credit card debt beyond their means? No! No.” The financial relationship with your significant others could hinder your future house investment, or retirement funds.

Of course, I acknowledge that there are important things of the existential consideration of our being or the moment, time, space, meta-physics etc, but recently I have seen/read quite a few tragic news regarding homicide/suicide caused by financial crisis everyday basis. Is it really possible to achieve the existential freedom without consideration of financial freedom in this contemporary society?

I think it is important to watch out ‘your’ financial cash-flow including hers or his.

D.K. Won


No return from death

Nothing lasts.