Couples who don’t pool their income are at a much higher risk of ruining their relationship

True love is… having a joint bank account: Research shows that couples who don’t pool their incomes are at a much higher risk of ruining their relationship in money rows

  • In the 1970s, half of all married couples in the UK combined their incomes
  • Decrease in marriage and increase in the number of working mothers behind the trend
  • Swedish researchers wanted to see how relationships were influenced by accounts



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Couples who have a joint bank account are more likely to stay together because they argue less about money, according to a study.

Researchers found that those who didn’t pool their income and kept their finances separate were at a much higher risk of ruining their money-row relationship, especially during tough times.

Joint accounts have fallen out of favor in recent years. In the 1970s, about half of all married couples in the UK combined their income.

Couples who have joint bank accounts are more likely to stay together because they argue less about money, study finds

Couples who have joint bank accounts are more likely to stay together because they argue less about money, study finds

But today this has fallen to one in eight couples, with the lowest level in their twenties or thirties.

The decline in traditional marriage and the increase in the number of working mothers are said to be behind the trend.

Researchers from Sweden wanted to see how relationships were affected by joint or separate accounts.

Previous studies have shown that arguing over cash creates lasting cracks. The ranks are the biggest predictor of divorce — above sex, children, or the in-laws.

The Stockholm University team surveyed nearly 10,000 men and women ages 20 to 80 to see if relationship quality was related to financial sharing.

The results showed that those who had money problems together through joint accounts were more likely to have stronger relationships, particularly among middle-aged and older couples than those who just started together.

Joint accounts have fallen out of favor in recent years.  In the 1970s, about half of all married couples in the UK combined their incomes

Joint accounts have fallen out of favor in recent years.  In the 1970s, about half of all married couples in the UK combined their incomes

Joint accounts have fallen out of favor in recent years. In the 1970s, about half of all married couples in the UK combined their incomes

The researchers write in the report, in the Journal of Social and Personal Relationships: “When you struggle to make ends meet, conflict can arise.

And fights over finances are often more serious than other types of conflict because they are more intense and last longer.

“We found that in older people over 50, keeping money separate is associated with more of these conflicts than pooling cash. But with younger couples it was less important.’

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