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Think of a relationship as a car.

Two people bring two engines.

Also... there are two drivers.

Two engines and no brake is not a good idea.

We often hear that people on their deathbeds will never mention money as one of their top life priorities.

Some suggest that this is an indication that money has no intrinsic value. I don't share that view. Old people might not value money because there's no time left to spend it.

I believe there's a discussion to be had about variable depreciation rates of different life investments. Money might have an accelerating depreciation as life approaches its conclusion. Health might spike in value toward middle-age, but then decline later on. Family may have an ever-accelerating appreciation rate.

Even if very imprecise, a back-of-envelope calculation of the net-value with depreciation rates of different life investments could be hugely beneficial in planning out the long-term for young people.