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As Valentine’s Day approaches, there will be alluring gifts and intimate dinner parties. But you know what’s really sexy? Be financially responsible.

As Valentine’s Day approaches, there will be alluring gifts and intimate dinner parties. But you know what’s really sexy? Be financially responsible.

Especially now.



“More than half of people would break up with their partner if he or she spent irresponsibly. And nearly 40% more Americans say they wouldn’t marry someone with bad credit compared to l last year, so the pandemic seems to have brought that to the forefront of relationships,” WalletHub’s Jill Gonzalez said, referring to a recent online survey of US consumers.

This survey found that almost a third of people say money matters more to them in a relationship now than before COVID-19. Money issues rank behind cheating and politics as reasons to break up with someone in 2022.

Perhaps as a result, the WalletHub survey found that many will spend less on a Valentine’s Day gift this year. Excluding a nice dinner, 33% of respondents said they planned to spend less than $50 on a gift, and 31% said they wouldn’t spend anything. Only 7% said they planned to spend more than $100 on a Valentine’s Day gift.

“The further we get from the peak of the pandemic, the more we spend on other things, basically catching up on spending. So I think now, more than even at the height of the pandemic, people really feel like their wallets are running low,” Gonzalez said.

About eight in 10 respondents said a Valentine’s Day gift was not worth adding to credit card debt, 17% lower than those willing to go into debt to buy a gift last year.

WalletHub’s Full Survey Results and Methodology are posted online.