Mona Charen

Income inequality, we learn from the Census Bureau, has reached the highest level since data were first collected on the subject in 1967. Poverty has increased dramatically, with one of seven Americans now falling below the poverty threshold.

Additionally, the Census Bureau reports that the rate of marriage has declined since the recession began. Just 52 percent of adults over the age of 18 are married now compared with 57 percent a decade ago.

"Given the scope of the recent recession, many more couples are likely to choose cohabitation over marriage in the coming years," Mark Mather of the Population Reference Bureau told The Associated Press.

Mather may be correct, but if so, Americans are choosing exactly the wrong way to weather hard times because marriage is one of the surest ways to escape poverty.

Some of those moving in together cite practicality. It's cheaper for two to share an apartment, microwave, utilities, etc, than for each to have his or her own. These efficiencies hold true for cohabiting couples as much as for marrieds. Modern weddings being expensive affairs, economically strapped young people may be choosing to skip the big party and just move in together, assuming that they are being prudent.

But cohabitation doesn't begin to confer the benefits that marriage does. In "The State of Our Unions," scholars associated with the Institute for American Values outline some of the advantages married couples enjoy over their single counterparts.

"Men who marry," writes Alex Roberts, "typically earn more because marriage itself leads to increases in income; that is, men who marry work harder, work smarter, and earn more than their unmarried peers ... Cohabiting couples ... are less likely to pool resources, feel obligated to spend wisely and save, or invest in the future of the household." Married men earn between 10 and 40 percent more than their single counterparts with similar educational and job histories.

Married couples also create more wealth than single people or cohabiting couples. "A 1992 study of retirement data concluded that 'individuals who are not continuously married have significantly lower wealth than those who remain married throughout their lives.'"

A study of 7,608 household heads between 1984 and 1989 found that those who married saw income increases of 50 to 100 percent, and net wealth increases of 400 to 600 percent. "Continuously married households had about double the income and four times the net worth of the continuously divorced and never-married, on average."


Mona Charen

Mona Charen is a syndicated columnist, political analyst and author of Do-Gooders: How Liberals Hurt Those They Claim to Help .
 
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