Divorce tends to be emotionally gut-wrenching for the people who go through it (not to mention those around them). But most couples don’t realize that divorce can also be among the most ruinous financial moves anyone can make.

Sure, you could bet big and lose on a single stock or money manager. Or your small business could go bankrupt, taking your life savings with it. But divorce and the costs that often come with it — from legal bills to the sudden need for an additional residence — affect far more people.

Money helps, but if you don’t have the right foundation to creating a marriage or relationship, you are building a house cards. I talk with too many guys who still are committed to the idea that working their asses off, making money, and providing the right lifestyle for themselves and their wives or girlfriends is what is going to create happiness and a successful relationship. Wrong.

Money is never all satisfying. Even though it has evolutionary roots, the idea of being a mate who can acquire access to resources (i.e. money) has its limitations. And yet guys don’t seem to get this. They seem to think that they can buy their mate’s happiness, which may be true in a fleeting sense.  The sense of material acquisition can never be fully experience — there always has to be more. Money cannot become a surrogate for lack of the emotional connection or expression, or as a substitute for love and respect.

When we fight about money, it may be true that were fighting about other issues in our relationships. When we have no money, that may be absurd proposition, but I think that money is often the materialization of power and control dynamics within a relationship or household. When we try to gain control or power over our mate (to distract us from our own powerlessness or feelings of being out of control), there are various ways that we can do this. Sex and money are two common “power currencies” that keep tension between two people who are vying for more power and control in their relationship.

The psychology of money between couples is very subtle, and requires a keen eye and willingness to change behaviors to remedy this type of problem. Even just considering that money, or the lack of it, is the tip of the iceberg, and has many primary causes and secondary symptoms is a great start. Seeing money in this way, as a form of a psychological currency, is difficult, but it may shed some perspective on the way that you have traditionally dealt with it in your relationships.

by Morgan Neill
CNN

TOKYO, Japan (CNN) — They are young, earn little and spend little, and take a keen interest in fashion and personal appearance — meet the “herbivore men” of Japan.

Former CNN intern Junichiro Hori is a self-described ‘herbivore.’

Author and pop culture columnist Maki Fukasawa coined the term in 2006 in a series of articles on marketing to a younger generation of Japanese men. She used it to describe some men who she said were changing the country’s ideas about just what is — and isn’t — masculine.

“In Japan, sex is translated as ‘relationship in flesh,’” she said, “so I named those boys ‘herbivorous boys’ since they are not interested in flesh.”

Typically, “herbivore men” are in their 20s and 30s, and believe that friendship without sex can exist between men and women, Fukasawa said.

The term has become a buzzword in Japan. Many people in Tokyo’s Harajuku neighborhood were familiar with “herbivore men” — and had opinions about them.

Shigeyuki Nagayama said such men were not eager to find girlfriends and tend to be clumsy in love, and he admitted he seemed to fit the mold himself.

“My father always asks me if I got a girlfriend. He tells me I’m no good because I can’t get a girlfriend.”

Midori Saida, a 24-year-old woman sporting oversized aviators and her dyed brown hair in long ringlets, said “herbivore men” were “flaky and weak.”

“We like manly men,” she said. “We are not interested in those boys — at all.”

Takahito Kaji, 21, said he has been told he is “totally herbivorous.”

“Herbivorous boys are fragile, do not have a stocky body — skinny.”

Fukasawa said Japanese men from the baby boomer generation were typically aggressive and proactive when it came to romance and sex. But as a result of growing up during Japan’s troubled economy in the 1990s, their children’s generation was not as assertive and goal-oriented. Their outlook came, in part, from seeing their fathers’ model of masculinity falter even as Japanese women gained more lifestyle options.

Former CNN intern Junichiro Hori, a self-described herbivore, said the idea goes beyond looks and attitudes toward sex.

“Some guys still try to be manly and try to be like strong and stuff, but you know personally I’m not afraid to show my vulnerability because being vulnerable or being sensitive is not a weakness.”

Older generations of Japanese men are not happy about the changes. At a bar frequented by businessmen after work, one man said: “You need to be carnivorous when you make decisions in your life. You should be proactive, not passive.”

Fukasawa said the group does not care so much about making money — a quality tied to the fact that there are fewer jobs available during the current global economic recession.

Japan’s economy recently saw its largest-ever recorded contraction and has shrunk for four straight quarters. Blue chip companies Sony, Panasonic, Toyota and Nissan all reported losses in May, and most are forecasting the same for the current fiscal year. Though still low by international standards, Japan’s reported 5 percent unemployment is the highest since 2003.

Hori agreed economics has played a role. When he finished university, “a lot of my friends were trying to work for a big company that pays well and I wasn’t interested in that. I am kind of struggling financially and my father is not very happy about it,” he said.

Fukasawa estimated some 20 percent of men are what she would call “herbivorous” and said their attitudes were influencing others. Indeed, she said, it was a return to the norm for Japanese men, rather than a departure.

“It was after World War II and the post-war economic growth that Japanese men gained the reputation as a sex animal through the competition with the West. Looking back beyond that time, older literature talks a lot about men with the kind of character we see in the herbivorous boys.”

Will these men simply grow out of this? Fukasawa said it was anyone’s guess.

Some of them may, but Japan’s image of masculinity is nonetheless changing.

“The men in dark suits are changing, too,” she said. “Today’s young people in dark suits are different from the baby boomers in dark suits. They are evolving, too.”

I know everything in the media seems to be revolving around the economy: the market, home loans, business concerns, and credit crunches. I think that that stress may be also trickling into some unforeseen places, like your marriage or relationship.

Sex and money are two common sources of stress, and both are highly underemphasized in most relationships. It’s not comfortable talking about these things, so what do we do? Sweep it under the rug, and go on using money with the negative, dysfunctional messages that have always characterized our relationship with money. 

Maybe one of you spends to alleviate stress, or the other has a habit of overspending to compensate for guilt or shame in your relationship. Maybe you both live in separate fantasies about how money works in your life – and those fantasies don’t match the other one. The current economic realities have started to slap you in the face, and now you’re wondering why you needed that last minute trip to the Bahamas.

Money, and our relationship with it, is a very powerful agent (and container) for our dysfunctional messages and neurotic compulsions. Mix in our issues with our relationships, and we’re looking at a perfect storm of problems. 

So, what helps this mess out? Stopping the hiding from your spouse about those gambling weekends you and your buddies had last month? All these are good starts, but there is more.

I think that understanding how to minimize conflict is another key. conflict will come from not being on the same page together if there are money issues. Honesty is essential. I think that money brings a lot of discomfort and fear, especially of the other spouse getting mad, and rejecting their mate or their spending habits. Spending habits are directly linked to one’s personal psychology, and rejecting the spending habits may risk rejecting the spouse, especially if their is excessive spending or addictive behaviors going on. Then, more intervention may be needed.

The economy has its ups and downs, just like a relationship. Taking preventative measures, and knowing how you will navigate (both in your finances and in your relationship) will calm the waters quite a bit. Knowing how to work with your spouse as a team, and not malign, blame, criticize or anything else to make the situation worse will help. Seeking professional help, such as with a good financial coach and a relationship counselor, will help minimize these issues.

- Jason