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Help change lives for the better. "At every age level between the ages of twenty-five and sixty-five, married individuals were more likely to have experienced at least one year of affluence – that is, a year in which the family’s income was ten times the official poverty threshold – than unmarried peers, and this advantage increased as individuals aged. By age 45, 33 percent of married individuals versus 16 percent of their peers who were not married had experienced at least a year of affluence. That is, “marriage in early adulthood double[d] the odds of affluence.” Among individuals between ages 45 and 65, the odds were even higher; some 42 percent of married individuals will have experienced at least a year of affluence compared to 18 percent of their peers who were not married." The paragraph above is an excerpt from "Does Marriage Increase the Odds of Affluence? Exploring the Life Course Probabilities" based on data from the Panel Study of Income Dynamics (PSID), a (US) nationally representative sample, with twenty-five years of longitudinal data. The analytical sample for this particular analysis consisted of 2,213 individuals between the ages of 25 and 65. Study after study shows us that married people live longer, healthier, wealthier lives and in general, are much better off than single or divorced persons. Children of two parent families do better in school, are more likely to go to college and are less likely to abuse drugs and/or alcohol, join gangs or commit criminal acts. Married people are shown to be better credit and insurance risks and more likely to contribute to charitable or community service. And despite all this, no company in the world has ever stepped up to provide this group of people with an opportunity to enhance their financial security by investing in their marriage. By stark contrast, people who suffer the consequences of divorce are often forced to lead very different lives than they had envisioned when they made the choice to divorce. Although divorce rates in the US haven’t changed much in 40 years, back then the typical household had only one parent that worked, they weren’t strapped with more house than they could afford, they had some savings in the bank and they had little, if any, credit card debt. If their marriage failed, there was an opportunity for the non-working spouse to create additional income in addition to any support they received. Today that landscape is drastically different. The typical household today has $12,000 or more in credit card debt, a much higher percentage of their overall income goes to their mortgage and both parents are working full time. If they split now, there’s little opportunity to find additional income to offset the costs of setting up an entirely new household. Add the average cost of $15,000 to $30,000 in legal fees for divorce in the US and that’s a recipe for financial disaster. According to a number of studies, divorce is the number one common contributing factor for bankruptcy and poverty among single mothers worldwide.

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