Dating is never simple—but for those over 50, love comes with an extra layer of complexity: finances. Raisin, a leading savings platform, surveyed Americans over 50 to uncover how financial compatibility influences relationships in later life. The results? Money matters more than ever, with trust, independence, and financial stability emerging as key factors in modern midlife romance.
Talk is Cheap—and Valuable!
For those over 50, trust starts with financial transparency. Raisin’s survey found that 91% of adults 50+ say that discussing money is vital for building trust in a relationship. This perspective comes from experience: 66% of respondents say money has caused stress in past relationships, and nearly 1 in 4 have ended a relationship over financial disagreements. As a result, many are willing to discuss finances early in a relationship.
“Many of us were raised to believe that talking about money is taboo,” says personal finance expert Emily Zekonis. “But when it comes to relationships, opening up about finances early can prevent conflict down the road. Understanding a partner’s financial priorities helps determine whether you're truly compatible.”
Women Value Financial Independence and Stability More Than Men
Women are still not on equal footing when it comes to money—earning just 84 cents on the dollar compared to men. For Black and Latina women, the gap is even wider—64 and 51 cents, respectively. It’s no surprise then that women value financial independence and stability over men in large numbers. 64% of women prefer to keep their finances separate in a relationship, as opposed to 47% of men. Financial independence also ranked much higher for women than men (53% and 26%, respectively). And 68% of women listed financial stability as one of the most important qualities a partner should have, while only 41% of men did the same.
“We’re seeing women take a cautious approach,” says Zekonis. “They’re thinking about the ‘what if’s’—whether to combine finances, how to share expenses, and how to safeguard themselves against potential financial liability.”
The Biggest Dealbreakers? Financial Dishonesty and Gambling
When it comes to dealbreakers, financial dishonesty tops the list for women (85%)—followed by gambling (82%). For men, 79% cite financial dishonesty as their top money-related dealbreaker, followed by excessive spending and a gambling habit (63% each).
Spending and Saving: A Key Compatibility Test
Many money conflicts stem from opposing financial habits. If one partner is into the FIRE lifestyle (financial independence retire early) while the other spends paycheck to paycheck, tensions can quickly rise. Raisin’s survey found that women put more importance on their partner’s approach to spending and saving (55%) while only 38% of men felt the same. 70% of women also said it's important to consider a partner’s attitude towards managing debt like loans, mortgages, and credit card debt, compared to 54% of men.
Zekonis advises, “There are so many potential pitfalls on the road to romance. When it comes to love and money, open communication early on can help you find a partner in life and prosperity.”
For those over 50, dating isn’t just about chemistry—it’s about compatibility in all aspects, including finances. Honest conversations about money can help build trust, reduce stress, and set the stage for a secure and successful relationship. Because in love and in life, financial harmony matters.
You can visit Raisin's education hub here to learn more about how to get your finances in better shape.