Ok, today's article is to simply tie up a loose end from the talk. We failed to address the question directly from a question in the audience who asked us how our personal finance changed when we transitioned from single-hood to marriage. Theoretical answer I will first share a theoretical answer because it is more likely to be experienced by a reader. In the presentation I shared a table which showed that households becoming more economically efficient as the number of family members increase. If you transition from a 4 person household to a 2 person household of a married couple, you are likely going to experience a 33% increase  in expenses. However, if you are already living alone as a single person, you may experience a reduction of 20% as you find more efficient ways to spend your money as a couple. Personal answer I was borderline financially independent ......