It really is. The feeling a person gets when they are in love is parallel to some FDA approved, stress relieving drugs. That goes to say that some of the same side effects may occur; insomnia, extreme thirst, delirium and death.
Not really. I mean these things often occur as a result of love or lack thereof. Now, add to that list bad credit? This is now a legit problem.
How to avoid said problem? Simple, request a credit check from your mate once you feel he may be serious dating material. The explanation for this is simple: the deeper in you are, the more forgiving you are. If you discuss finances and credit with someone in the very beginning when you have little to nothing to lose, it is to your betterment. Do you want to find out Earl has terrible credit when it is time to buy your first house together or when it's time to buy your first dinner together? I would say the latter.
Solution? Be up front. Early on in the relationship ask him what his financial goals are. Ask him what his biggest purchases have been. Find out what his biggest form of debt is. Ask him how much debt he is in. Seriously. And if he is so proud that he can't tell you then you don't need him. If he gets all nervous and he thinks that you are a gold digger, he is probably broke. Men who are in control of their finances don't fret so easily. The truth is if you are trying to build something with someone these types of questions won't bother you.
Should you really ask him after the first date? Maybe. Use your judgement. Bring it up once you've determined he is someone you can see yourself with or else you may wait until you are too far in to find out.
I met a guy who was in his early 20's and was in the process of filing bankruptcy. I am not kidding. He told me this up front because he felt that it was a badge of honor to even have had enough asset to qualify for bankruptcy. To his credit, he is somewhat right. However, bro you fudged up that bad that you had to file bankruptcy? I don't want those problems.
I met a guy who had over 60k in student loans. He had a master's degree and was making 35K a year. There is nothing wrong with that, however, he said if he only made 35k for the rest of his life, he would be okay with that. Sir, I would not. Check please! His financial mindset did not match mines at all and for that I have to go.
I dodged several silver bullets by knowing what I needed to know very early on and believe if these questions were asked upfront it would save a lot of divorces later on.
When do you think it is "appropriate" to bring up money when dating someone?