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And it's hardly trivial to derisk. People grow apart (even if you were perfect together at marriage), and the cost of splitting can be enormous (emotionally, financially, and socially).

Do you like to gamble? Marriage is a gamble.



You grow apart. Every year to year-and-a-half, we've had to deliberately grow back together.


Unfortunately, that takes two.


Marriage is an investment. If you buy high and sell low, you are going to have a bad time.


No one can predict the future. Investment values evaporate outside of your control, "black swan events".




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