#The Moneyist: ‘Marriage sure does make love suck’: My fiancée wants a big, expensive wedding — we had agreed to spend $15K tops

For the longest time, I thought we were on the same page — small wedding, no engagement photos, save the money and get a house. Why go into marriage in debt? 

As we begin to peel the layers of the onion, her thoughts have changed dramatically. She now envisions a wedding with 80-plus guests in a rented venue. She wants engagement photos. She wants to provide either plated or buffet food. 

All of these things are adding up, even though we set a hard budget of $15,000 and don’t even have a quarter of that saved. I have money in stocks and I have savings, but I am strongly refusing to touch either of them for the sake of this joyous occasion. 

Her parents have offered close to $10,000 to help, but I have insisted that money is better suited for a down payment on a house when the time comes. 

I’m being looked at as simply someone who is unwilling to budge, and she’s asked if I truly even want to get married.

How do I go about approaching this? I don’t want to stonewall her at every turn. I want her to have an amazing day we remember for the rest of our lives, but she has yet to propose a plan for how we can save this money. I am beginning to feel as though she’s looking at me to foot the bill almost entirely by myself.

Marriage sure does make love suck. Please tell me if I’m pinching my pennies a little too tightly, or if I’m right on the money.

Frustrated With Financials

Dear Frustrated,

This conversation about your wedding and how much you intend to spend is a proxy for every discussion — big and small — you will have about money throughout your married life. 

Marriage is many things, but it is first and foremost a business contract. You commit to each other legally, emotionally and financially. Your goals become your wife’s goals, and vice versa. Your money anxieties become shared anxieties. Your wife’s attitude toward life events and indebtedness — depending on how you look at it — will also become yours to navigate. 

If you can’t resolve this dilemma amicably, it does not bode well for the many challenges that lie ahead. After all, this is an expense you are entering into willingly. Imagine what might happen if one or both of you were dealt an unexpected blow like the loss of a job, a natural disaster or an illness that racked up unsustainable medical bills.

But this is also an opportunity. It’s a puzzle that you must figure out together to move forward. If you resolve this in a way that is respectful of each other and of your own boundaries, it will provide a template for how you tackle such issues in the future. This impasse over your wedding could lead to growth for both of you. 

But first you need to examine the underlying reasons for your respective approaches. A third party — perhaps a therapist, financial adviser or, indeed, a financial therapist — could help you unpack the reasons why the wedding size has taken on such importance for your wife, and how you might be able to find a compromise. 

The wedding is a celebration of your commitment and love, but it should not define either of you. I’ve attended many, many weddings that have cost very little money. And you know what? They rank among my favorites. 

Also read: I want to take a life-insurance policy out on my husband. He says ‘hell will freeze over’ before he’s worth more dead than alive

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