The marriage tax penalty is real and it is painful if you live and work in a region of the country that tops the “highest cost of living” lists. While you can make the argument that this is a “choice” and that incomes tend to be higher in that region versus the rest of the country (if you work in a high-paying field), it still doesn’t balance out. I’m glad that I knew going into marriage it was the worst financial decision of my life (my husband says the wedding was, but actually the cost of the wedding was pennies versus what I’ll personally lose over my lifetime, financially speaking.)
There are numerous benefits to marriage, and above all else I’m a sap who believes in love and cares more about stability and security than wealth. I’m happy to be married. Happier than I thought I’d be (at least a month in) as it shockingly feels very different from being single. I didn’t expect it to feel different at all, especially after dating over a decade and co-habiting for the last two years. The only difference, I thought, would be that I can’t just walk out the door without repercussions, and neither could he.