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I don't see why marriage doesn't increase financial stability. Marriage is basically getting an incredibly efficient roommate. A spouse is a roommate that is fine with sharing a bedroom, a bathroom, can give you insurance, lower your taxes, etc.

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and each day a RNG fires off from 1->10000 and if it hits in the target range, you lose half your assets lol

Just make sure you marry somebody with more assets than yourself, then this is not a problem.

A pre-nup costs a few grand, just do that if you're concerned.

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