Americans Prioritize Financial Stability Over Excitement in Partners

New Ramsey Solutions study finds most Americans would choose a financially stable partner over a romantic but financially irresponsible one.

Published on Feb. 9, 2026

Got story updates? Submit your updates here. ›

A new study by Ramsey Solutions has found that 63% of Americans would prefer a financially stable partner over a more romantic but financially irresponsible one. The study also revealed that 56% of couples never had a serious conversation about money before getting married, despite the link between communication about finances and relationship health.

Why it matters

This study highlights the importance of financial compatibility and communication in relationships. It suggests that many Americans value financial security and stability over excitement or romance when it comes to choosing a partner, underscoring the role money plays in relationship dynamics and long-term compatibility.

The details

The State of Personal Finances Q4 2025 study by Ramsey Solutions found that 63% of Americans would rather have a partner who is financially stable but not very exciting than one who is romantic but bad with money. The study also revealed that nearly 75% of women prioritized financial stability over romance. Despite these preferences, the research found that 56% of couples say they never had a serious conversation about money before getting married.

  • The State of Personal Finances Q4 2025 study was conducted in late 2025.

The players

Ramsey Solutions

A personal finance media company based in Franklin, Tennessee, founded by national bestselling author and financial expert Dave Ramsey.

Dr. John Delony

A relationship expert and host of 'The Dr. John Delony Show' at Ramsey Solutions.

Got photos? Submit your photos here. ›

What they’re saying

“When couples avoid talking about money, it is usually not about math. It is about fear, expectations and trust. In our culture, money is tied to fear, shame and identity, which makes it harder for couples to talk about than almost anything else. Money reveals what we value, and when couples do not talk about it early, those unspoken expectations often turn into conflict and resentment later. You do not need perfect finances to build a strong marriage, but you do need honesty and the willingness to have hard conversations.”

— Dr. John Delony, Relationship expert and host of 'The Dr. John Delony Show' (Ramsey Solutions)

The takeaway

This study underscores the importance of financial compatibility and open communication about money in relationships. It suggests that many Americans prioritize financial stability and security over romantic excitement when choosing a partner, highlighting the significant role money plays in relationship dynamics and long-term compatibility.