Monday, July 16, 2007

Financial Planning vs. Marriage



I had an interesting conversation with a friend Friday afternoon about relationships that made me retreat into my thoughts and ponder how not unlike finances relationships really are. This of course brought up the issue of how I am on point in neither one of the two.

The similarities exist in the manner in which both entities affect our lives and emotional well-beings. Financial distress has the ability to make or break a person's day as does dwelling on the fact that one is alone on a Friday night watching dust settle on a coffee table thats been polished one too many times.

Like marriage and relationships, the financial world is a risky business. The institution governing the state of affairs is the Stock Market. It has its ups and downs and when its down, the consequences can be grave. You marry into the institution with high hopes and keen interest on doubling your assets in years to come. You start off slow and you win some and you lose some. Depending on what you invest in you can either come out on top or way under. It takes careful planning, money, and time to build your portfolio, but most of all it takes patience. It's very hard not to be tempted to pull out prematurely when times are rough.

I'm no financial manager but investing in marriage is the same deal. Starting early is a surefire plan ie. taking the time to meet people, getting to know them, increase your market value, network, eventually settling into a share that iA will prove to be worthy.

In the beginning we all start out liquid. No debts or regrets, no failures, no market crashes, no miscommunications, no bankruptcies. With relationships there is no 401K rollover, you dont get to take your investment with you when you end relationships. You have to start all over again, but what we do have are our experiences which translate into equity that we can borrow against. Lessons learned will surely guide us into making sounder choices and decisions in the future. Relationships are risky business, but we have to take a chance and know when its time to cut our losses and move on.

2 comments:

Anonymous said...

When a stock's price begins to rise rapidly, it becomes increasingly difficult to get your hands on.

There are a million books on how to pick stocks. In the end, you can read all the books you want, but that may or may not make you a better investor.

And let's not forget about daytraders.

The Brown Girl said...

For a guy not to recognize a girl's worth until its too late is his own damn fault! :D