What if you don't get married


One in four does not want to get married

For one in four Germans, marriage is not an option in life. Still, many couples long for marriage-like relationships, especially when it comes to their own finances.

Regardless of whether it's building a house, a rental agreement or insurance contracts - couples are at a disadvantage in many areas if they are not married. The risk of being in love is high. You therefore need powers of attorney, agreements or a great deal of trust. A circumstance that many German citizens would like to see abolished.

For example, 41 percent of Germans would like to live together with their partner in a marriage-like manner before the law, without actually having to marry. This was determined by an online survey by YouGov, which the life insurer Swiss Life commissioned.

But why does one in four shy away from marriage? More than half of young people between the ages of 25 and 34 cite the maintenance of their own freedom as a reason. 42 percent of those surveyed do not want to give up their self-determination. One in four young people, on the other hand, thinks a wedding is simply too traditional. According to the results of the study, many couples want to decide for themselves whether or not to get married. They do not want to tie their decision to legal and tax advantages. Nevertheless, it is primarily the younger generation, at 62 percent, who feel financially disadvantaged by the decision not to marry.

Unmarried couples have higher costs

The difficulties of unmarried people begin with living together. Those who move in with their partner are often only accepted by the landlord. However, by being accepted into the apartment, he does not become a party to the rental agreement. In the event of a dispute or separation, the renting partner can simply throw the other out. What happens to all the furniture and electrical appliances in such cases? Suddenly, people who were once in love become very precise. The kitchen should be paid proportionally when you move out. Which family added something to the couch? Who brought the television into the apartment? Not to be forgotten is the shared car. It is not uncommon for it to suddenly only belong to the registered vehicle owner. Those who renounce contractual agreements in the partnership can often look forward to such a war of roses when separating.

Couples should therefore make written agreements during the relationship to prevent such disputes in the event of separation. A health care proxy or living will is also required so that the unmarried partner can make decisions for the other person in the event of illness and can even obtain information from the doctors. A will should not be missing from unmarried people. Otherwise, the close relatives inherit the assets and not the partner with whom you have sometimes spent your entire life. With jointly concluded insurance policies such as liability, household contents and legal expenses insurance, further costs can be minimized. With an average income, couples save up to 150 euros a year.

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