Navigating the Decision: Should You Marry When Earning 15,000 INR a Month?

For those earning a modest 15,000 INR per month, the question of whether or not to get married can be a significant concern. Should you prioritize marriage or focus on building a more substantial financial cushion first? The answer depends on a wide range of factors, including one's personal circumstances, financial stability, and life partner. This guide aims to help individuals make an informed decision by considering various critical points.

Why Rs. 15,000 Is Not Sufficient for Marriage

Financial Instability and Health Concerns

Rs. 15,000 per month is a modest salary in India, especially when one considers the rising cost of living. This amount may be insufficient to provide for a growing family, and a sudden illness could swiftly deplete the savings. According to the World Health Organization, health emergencies can wipe out a family's financial reserves, making it even more difficult to maintain a stable household. Additionally, quality healthcare is expensive, and without sufficient savings, unexpected medical expenses could put a significant strain on your financial situation.

Economic Challenges and Poverty

It is crucial to understand the broader economic context. In many parts of India, poverty is a pervasive issue. Many families lack the resources to support themselves, and marriage can exacerbate this problem, especially if the couple does not plan adequately. People often marry without sufficient economic planning, leading to situations where both partners struggle to make ends meet. This can result in a decrease in overall family income rather than an increase.

Why the Advice to Get Married is Flawed

Why Marriage Should Be Delayed

Some argue that you should marry even if your income is low, citing the belief that your earning power will increase after getting married. However, this is a risky proposition. For one, most people will not experience a significant increase in income immediately after getting married. Instead, they will have the additional cost of supporting a family to consider – expenses such as groceries, housing, and childcare that are not covered by the initial salary. Moreover, disruptions caused by family planning and childcare can hinder career progression.

Why Marriage Can Be a Hindrance

If you are living in a big city or metro with 15,000 INR as the primary income, there are significant challenges. The cost of living in urban areas, including rent, utility bills, and healthcare, can be overwhelming. Without a substantial financial cushion, a 15,000 INR salary may not suffice to support a family in these environments. On the other hand, if you are in a rural area with your own home and a modest living expense, marriage could be a viable option.

The Importance of Financial Planning and Life Partner

Financial Planning and Future Goals

Financial well-being is a crucial factor when deciding when to marry. It is essential to ensure that you have a robust savings plan in place to support any future family. If you opt to get married early, consider starting a joint savings plan or establishing an emergency fund. Building a solid financial foundation can help you weather any financial storms, such as job losses or medical emergencies, more effectively.

Choosing the Right Life Partner

One’s choice of life partner can also make a significant difference. If your partner is caring, supportive, and helps you focus on your career, marriage can be beneficial. These life partners can often contribute positively to one’s financial stability and overall well-being. Research has shown that a supportive partner can play a critical role in helping individuals achieve their career goals and improve their financial standing.

Conclusion

The decision to marry when you earn 15,000 INR per month is dependent on both personal and external factors. These include financial stability, life partner compatibility, and living conditions. If you delay marriage and focus on building a sustainable financial future, you may be better prepared to support a family successfully. However, if you are in a rural area or have your own home, marrying might be a more viable option. Ultimately, the wise choice is to weigh the benefits and risks, seek advice from trusted sources, and make a decision that aligns with your long-term goals and financial health.