Looking For A Rich Husband

By Francisco J Colayco

I came across this post from a young and pretty lady posting on a popular email forum about her desire to find a husband. This is part of what she said:

I’m going to be honest of what I’m going to say here. I’m 25 this year. I’m very pretty. I wish to marry a very rich guy. You might say that I’m greedy, but I don’t think so, considering that there are many others who have higher salaries. Is there anyone in this forum who is very rich? Are you all married? I wanted to ask: What should I do to marry a rich guy like you?

~Ms. Pretty


Here’s the awesome reply from a professional investor:


Dear Ms. Pretty,

I have read your post with great interest. Guess there are lots of girls out there who have similar questions like yours. Please allow me to analyze your situation as a professional investor. I am very rich, which meets your requirement, so I hope everyone believes that I’m not wasting time here. From the standpoint of a business person, it is a bad decision to marry you.

The answer is very simple, so let me explain. Put the details aside, what you’re trying to do is propose an exchange of “beauty” and “money” – Person A provides beauty, and Person B pays for it, fair and square. However, there’s a deadly problem here, your beauty will fade, but my money will not be gone without any good reason. The fact is, my income might increase from year to year, but you can’t be prettier year after year. Hence from the viewpoint of economics, I am an appreciation asset, and you are a depreciation asset. It’s not just normal depreciation, but exponential depreciation. If that is your only asset, your value will be much less 10 years later.

By the terms we use in the stock market, every trading has a position, dating you is also a “trading position.”  If the trade value drops, we will sell it. It is not a good idea to keep it for long term – same goes with the marriage that you want. It might be cruel to say this, but in order to make a wise decision about any asset with great depreciation value will involve either selling it or leasing it.

Anyone who is very rich is not a fool; we would only date you, but will not marry you. I would advise that you forget looking for any clues to marry a rich guy. And by the way, you could make yourself out to become a rich person. This has a better chance than finding a rich fool.”


Sad to say, the pretty lady in this example is not really a person with good values.  Therefore, she is not really ideal material for a good wife. Notice that a rich person will always be rich if he manages his wealth properly.  However, there are also rich people who lose all their money because they are not very bright.  In fact, a rich person is not very bright if he marries a pretty girl who is only out for his money.  He could precisely lose all his money because of his expensive pretty wife.

The advice to the pretty lady to make herself a rich person instead of looking for a rich person to marry is very solid.  A rich, pretty and financially educated lady is a great catch for any man! 

Whatever the case, financial education is a must.  Teach your daughters, girlfriends and other women in your life to educate themselves. Teaching your sons, boyfriends and other men in your life the same skills won’t hurt either.


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