Does When You Marry Affect Your Chances of Divorce?

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According to conventional wisdom, the odds that you and your spouse will divorce go down if you wait and marry at older ages.  But a new research report by a sociologist at the University of Utah paints a different picture.  The researcher, Nicholas Wolfinger, drew a graph of peoples’ age of marriage and divorce rates based on government statistics, with confidence intervals (shaded red), and found that your divorce risk is very high if you marry in your teens, and it does indeed go down, as expected, but only until you reach age 30.

In general, marrying between the ages of 25 and 30 subject you to the least risk of a subsequent divorce, and then the divorce rate goes back up again.  Past the age of 32, the odds of divorce increase by 5% per year of age at marriage.

Why would that be?  The author speculates that if you wait to marry until your 40s, the pool of possible mates is smaller, and those who remain in the dating pool may be less predisposed to succeed at matrimony.  People who wait until their 40s to get married may get so used to the freedom of single life that they make less-satisfying (and satisfied) spouses when they finally decide to give marriage a try.  Also, older people are more likely to have children from a previous relationship, which may complicate the current relationship to the breaking point.  But the study emphasizes that these are just statistical risks.  If you wait until your 40s to get married (or remarried), your relationship is not doomed.

These statistics seem to hold valid whether we’re talking about men or women, more or less educated, and whether or not the parents are still together or divorced.  However, there is one hopeful sign: the author notes that overall divorce rates have declined for the past 30 years, from a peak in the early 1980s.

About the Author: Bob Veres has been a commentator, author and consultant in the financial services industry for more than 20 years.  Over his 20-year career in the financial services world, Mr. Veres has worked as editor of Financial Planning magazine; as a contributing editor to the Journal of Financial Planning; as a columnist and editor-at-large of Dow Jones Investment Advisor magazine; and as editor of Morningstar’s advisor web site:

Mr. Veres has been named one of the most influential people in the financial planning profession by Investment Advisor magazine and Financial Planning magazine, was granted the NAPFA Special Achievement Award by the National Association of Personal Financial Advisors, and most recently the Heart of Financial Planning Distinguished Service Award from the Denver-based Financial Planning Association. 



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