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Not everyone has the same idea of what happy ever after means, which is part of the reason for changes in marriage.

Why US millennials are putting off marriage – for reasons that could easily apply to Hongkongers

It’s not just dating apps and hook-up culture – debt and economic insecurity, and changing ideas of what makes a good life are also keeping people single for longer

“I can’t even imagine paying for a wedding right now,” 26-year-old Kaitlyn Schaefer says. The graduate student splits her time between teaching special education kids and running to class, all while accumulating tens of thousands of dollars in student debt. She just celebrated her 10th anniversary with her boyfriend, but marriage isn’t on the table at the moment.

For many young people across the United States, it’s become the norm to put off marriage – or even settling down with a partner long term. The average age for first marriage is 27 for women and 29 for men; in urban areas such as New York and Washington, those averages are higher. It seems that everyone has a different explanation: blame it on the economy. Or dating apps. Or women’s ability to delay childbearing. But the less sexy answer is that it’s all of these reasons.

“When there’s rough economic times, marriage rates go down,” explains Eric Klinenberg, sociologist and co-author of Aziz Ansari’s Modern Romance: An Investigation. “People don’t feel comfortable committing to someone during hardships.”

Marriage is a financial investment, which explains why people in their 20s aren’t ready to take the plunge, considering the mounting debts and scarce job prospects they face today.

“We both have student debt, so it’s ridiculous,” Schaefer says. “And it’s a domino effect. Because then what’s the next step? Kids? A house? We can’t afford that now.”

Shaky finances can keep millennials from tying the knot, even into their 30s. James Fay, a 33-year-old who works in advertising, says he and his ex never made it down the aisle because they were still establishing themselves professionally.

“We didn’t have our careers established to the point where we thought it was smart to have a wedding and settle down and all that. Now that I’m single again, marriage isn’t off the table and my career now is further along, so it’s an easier choice.”

Despite their bad reputation, dating apps are not wholly responsible for the changes – and they are praised for making it easier for singletons to find each other.

It’s not all bad news, economically. For women, marriage is less of a financial necessity. “There are a couple of reasons why people choose to get married,” says Andrew Zuppann, assistant professor of economics at the University of Houston. “One is to have two people in the household to share the housework and finances. A big change between 2016 and 1950 is that a lot less people rely on this and have opportunities to afford to be on their own.”

We’re also better able to delay parenthood. “Contraceptives and abortion are letting women put off pregnancy and marriage longer,” Zuppann says. “In general, the reasons why marriage age is much later now are birth control, technology, abortion, changes in female pay and household technology, like appliances.”

What about the effect of internet dating? According to the Pew Research Center, 15 per cent of Americans use dating apps these days, a threefold increase for young people since 2013. Surely the rise of “hook-up culture” is contributing to the number of singles who prefer perpetual use of such things as Tinder and OkCupid, to settling down with a long-term partner?

“The dating culture has changed. There’s been a fundamental shift in the way people meet and find romance. Or even the way people in relationships communicate, due to technology,” says Klinenberg, who stresses that dating apps don’t keep people single forever, but that “they can keep you very busy when you’re single”.

“People who are on the fence are probably being swayed to delay marriage or settling down due to dating apps,” says Fay, who has recently downloaded Tinder and Bumble to get back in the game. “Dating apps are the thing that single people have been waiting for since the dawn of time.”

And then there are those who aren’t just delaying marriage; they’re not interested in it at all. Holly Dembinski, who’s 28, says that after years of pursuing different relationships, being indefinitely single means “you’re choosing happiness”.

Klinenberg agrees. “People don’t see marriage as necessary for a good life,” he says. “There used to be one clear path to happiness, with strong moral expectations and having children. Now there are all kinds of legitimate choices.”

“I’ve dated people because I just enjoyed dating them during that time. I knew that I wasn’t gonna marry them, necessarily,” Dembinski says. “I think realising that you don’t need to have an endgame, that there isn’t a bottom line, per se, is important.”

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