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2 Bumps

Do you ever feel like you are punsished for being married?

I do, at least by the government. They reduce your pell grants for school, you barely get back anything for income tax, if your spouses driving record isn't amazing your insurance rate sucks. Those are just a few of the things I've noticed. I love being married, and I love what it represents for our children, but it seems like we are being punished by trying to live "the right way." Has anyone else felt like this?

 
hatagaj

Asked by hatagaj at 7:44 PM on Jan. 16, 2013 in Money & Work

Level 15 (2,230 Credits)
This question is closed.
Answers (11)
  • You're actually not looking at it the wrong way. I knew a retired couple who lived together for many years but didn't marry because it would negatively impact their social security benefits.
    gdiamante

    Answer by gdiamante at 9:35 PM on Jan. 16, 2013

  • Well that's simple: Pell grant reduction because you have access to more income than just your own. Insurance because they know you're spouse will drive your car.
    3libras

    Answer by 3libras at 9:19 PM on Jan. 16, 2013

  • I don't really think about it just to be honest. I would rather have my husband that whatever $$ or benefits I may be losing out on.
    CuriousArentYa

    Answer by CuriousArentYa at 10:48 PM on Jan. 16, 2013

  • i havent noticed that...i got a loan for my entire grad school costs (more than i needed), we get back everything in taxes, and i wouldnt know about insurance. the govt actually gives lots of tax breaks for married couples. there was an article on Yahoo! earlier today that said a single person can expect to pay $1 Million more over a lifetime than a married person.
    okmanders

    Answer by okmanders at 8:02 PM on Jan. 16, 2013

  • Hmm...well apparently we are doing things wrong. I guess it's because I received grants for school before we got married, but I no longer qualify for them. We do receive some tax breaks for being married and owning our home, but we no longer qualify for earned income credit for our children. Our tax refunds were much larger before we were married. Maybe it will even out as we get older, but getting married hasn't been very financially beneficial to us so far.
    hatagaj

    Comment by hatagaj (original poster) at 8:06 PM on Jan. 16, 2013

  • I can't remember anything from before we were married, and we've been married our whole adult life. Our insurance rate went up 40% last year after my husband rear ended someone.
    JulieJacobKyle

    Answer by JulieJacobKyle at 9:25 PM on Jan. 16, 2013

  • I agree, it's simple but many people don't get married and play the system for these very reasons. I had access to my husband's income long before we were married, but it's like getting married ends up being a negative when it comes to those things. Maybe I am just looking at it the wrong way.
    hatagaj

    Comment by hatagaj (original poster) at 9:27 PM on Jan. 16, 2013

  • Thanks gdiamante, at least I know I'm not the only one. It's just frustrating. Everything that is supposed to be "right" or part of the American dream- i.e owning a house sometimes seems like more trouble than it's worth. I love being married, I just don't like the financial drawbacks that come with it.
    hatagaj

    Comment by hatagaj (original poster) at 9:46 PM on Jan. 16, 2013

  • Not really. The only thing different about being married now is that I do not get an income tax refund. LOL!
    m-avi

    Answer by m-avi at 6:50 PM on Jan. 17, 2013

  • There is a "marriage tax" penalty - not sure if that has been addressed in the upcoming tax years - doesn't affect me, I'm not married.
    tasches

    Answer by tasches at 7:44 PM on Jan. 17, 2013

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