Financial Foibles & Man With a Plan
Is Financial Compatibility a Deal Breaker?
Have you ever met someone who feels perfect on every emotional level? Do you find yourself wondering if caring about financial stability makes you shallow?
In honor of Halloween, when many of us share dating horror stories, we’re talking about what so many find super scary in relationships: money.
We’ve been told our whole lives that love should transcend material things, that if the connection is real, the rest will just figure itself out. But here’s what happens in real life after over 15 years of coaching: financial compatibility isn’t about being materialistic or gold digging.
It’s about life stage, shared values, and whether two people are actually positioned to build something together.
This week, a listener wrote in with a situation that so many are navigating right now.
She shared:
“I met a wonderful man online. I’m 50 and he’s 46. We went on two amazing dates. He’s attentive, attractive, and dare I say we had a magical connection. Here’s the thing: it seems he’s going through a major life transition. He quit his tech job nine months ago and has been figuring it out. His phone only works on Wi-Fi and he might need to figure out a different living situation to cut costs. I’ve worked really hard to get to where I’m at today. I’d like someone who could meet me halfway. Is this a deal breaker?”
This is a question that goes deeper than money: can I make this work if I lower my standards a little bit?
(4:00) You Already Know the Answer
When you start by listing all the amazing things first, the chemistry, the laughter, the magical feeling, that’s telling. All of that matters.
But if you’re already questioning it after just two dates? That matters even more.
When someone is truly right for you, you’re not lying awake wondering if you’re being too picky. You’re excited. You feel secure.
The fact that you’re asking if someone’s financial situation is a deal breaker tells you everything you need to know.
(5:00) Transition vs. Just Stuck
Here’s the difference: a transition has momentum. It has milestones. It has forward motion.
Someone who’s been coasting for nine months looks like this:
- No stable housing
- No phone plan
- No clear path forward
That’s not reinventing yourself. That’s survival mode.
Do you want to date someone in survival mode when you’re looking for a life partner? At 46, this might be a pattern. And if it is, you’ll end up subsidizing their lifestyle while they “figure it out.”
You deserve somebody ready to build with you, not somebody you have to build up first.
(10:00) When the Math Doesn’t Math
A 46-year-old former tech worker who can’t afford a phone plan or stable housing? Something doesn’t add up.
Questions worth asking:
- Did they quit or get fired?
- Is there an addiction problem?
- Are they lying about how long this has been going on?
- Are they hiding another life or family?
This is where digital detective work matters. Check LinkedIn. Do a reverse image search. Use PeopleFinders to verify their story lines up with reality.
It’s not paranoia. It’s protecting yourself when details don’t quite match.
(14:00) What “Meeting Halfway” Really Means
Wanting someone who can meet you halfway sounds reasonable. But if they’re not even meeting you a quarter of the way, who’s closing that gap?
Meeting halfway doesn’t mean matching income dollar-for-dollar. It means having a partner who’s a contributor, not a project.
When someone can’t pay for a working phone and plans walk dates that cost nothing (not even a coffee), and they’re comfortable with that?
You need someone additive to your life, not a constant drain.
(17:00) Resentment Will Kill the Magic
If you move forward by lowering your standards, you might not resent them today. Maybe not next month.
But eventually you will.
You’ll resent always planning. Always paying. Always sacrificing. And that resentment will destroy whatever connection you had.
There’s this narrative that women should be understanding, see potential, be patient. But wanting someone who can contribute isn’t shallow. It’s practical, self-respecting, and fair.
When you’ve worked hard to build your life, you deserve someone who’s done the same. Someone who walks beside you, not someone you have to carry.
That’s not asking too much. That’s the bare minimum.
Knowing what you won’t settle for is just as important as knowing what you want.
When you’re clear on your non-negotiables, you create space for the right people to show up.
💌 Got a relationship or question you’ve been sitting on?
Whether it’s about dating, relationships, boundaries, or what the heck to text back, we’re here for all of it.
Send your question in a DM or voice memo on Instagram, TikTok, or Facebook, or send a voicemail or text to 424-246-6255. It might just be featured in an upcoming Dear Damona segment.
And remember: Dates & Mates isn’t just about romantic relationships anymore. It’s about the people who matter most: partners, friends, family, coworkers, and you.
📝 Want to keep track of what’s working (and what’s not) in your love life? Download the free Date Tracker at damonahoffman.com/datetracker

















