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The Jewish Ethicist: Money and Marriage

The Jewish Ethicist: Money and Marriage

Is it ethical to raise a family without an income?


Q. I really want to get married and start a family, but I'm struggling financially and feel it would be irresponsible. When should I make the jump?

A. Jewish tradition definitely encourages a person to take prudent steps to provide for an adequate income before getting married. Maimonides writes: “It is the way of people of judgment to establish a trade which will support him first; and afterwards to obtain a dwelling; and then marry a wife. As it says [in the Torah], 'And who is the man who has planted a vineyard and has yet to redeem it? . . . And who is the man who has betrothed a wife and has yet to marry her?' (Deuteronomy 20:6, 7).”1

However, this guidance needs to be taken in context. Three critical observations are called for.


First of all, Maimonides does not say that a person should delay marriage until he has a profession; he only writes that a person should concern himself with finding a livelihood before he gets married. Indeed, elsewhere in his Code, Maimonides writes that a person should strive to get married and start a family at a young age -- by the age of 20. 2 (Though nowadays childhood and adolescence are longer and many people are not emotionally ready for the responsibilities of marriage at this age.) He adds that a person may put off marriage in order to devote himself to Torah study, but doesn't mention any exemption for poverty.


What Jewish tradition would consider a “respectable” income for a newly married couple is far below what people today consider “financial independence.” A husband is obligated to support his wife, but this obligation is according to his means. A cramped apartment, enough to eat and a small allowance for expenses are sufficient for a married couple. 3 A husband and wife living in domestic harmony in these straitened circumstances will be far happier than single people living in luxury.


Most importantly, Jewish tradition teaches that starting a family has a special ability to bring Divine blessing to a person's livelihood. The Torah repeatedly emphasizes that all of our material benefits, even though they are produced in a natural way through our efforts, are ultimately the result of God's providence. We don't “produce” output; rather, our efforts create a kind of receptacle that enables us to appropriate His blessings -- just as a fisherman doesn't produce fish, but without a net will be unable to gather them. “Perhaps you say in your heart, my might and the strength of my hand provided me with all this wealth. Remember the Lord your God, for it is He Who gives you the power to create wealth” (Deut. 8:17-18).

When a couple gets married, this blessing is augmented. Of course effort is still required to obtain a livelihood, but this effort is likely to be crowned with greater success, according to the needs of the growing family. “Rabbi Chelbo said, A man should always be careful to honor his wife, for blessing is found in his house only because of his wife, as it is said, 'He helped Abram for her sake' (Genesis 12:16.) And this is what Rava said to the residents of Machuza: Honor your wives so that you may become enriched.”4

It's certainly appropriate for a single person to take prudent steps to acquire a livelihood that will allow him to raise a family in a dignified way and leave adequate time for Torah study. And it may be necessary to put off marriage for a short time in order to acquire means to make a suitable match. But “financial independence” is certainly not a prerequisite for starting a family. Once a person has enough emotional maturity to accept family responsibilities, usually in the early twenties, and the financial ability to provide for basic needs, he or she should start looking for a life partner who will help him or her focus on the important things in life: love, companionship, family, and carrying out God's will. This approach will lead to fulfillment and will ultimately contribute to livelihood as well.

SOURCES: (1) Mishneh Torah Laws of Deot 5:11. (2) Mishneh Torah Laws of Ishut 15:2. (3) Ibid 12:10. (4) Babylonian Talmud Bava Metzia 59a.

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The Jewish Ethicist presents some general principles of Jewish law. For specific questions and direct application, please consult a qualified Rabbi.

The Jewish Ethicist is a joint project of and the Business Ethics Center of Jerusalem. To find out more about business ethics and Jewish values for the workplace, visit the JCT Center for Business Ethics website at

November 6, 2004

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Visitor Comments: 5

(5) Anonymous, March 27, 2005 12:00 AM

What about children?

I agree that people should find a livelihood before marriage. However, I do not think that enough is said about when people should be having children. I do not think enough people consider their economic situation before having children. If they did, we would not have so many people relying on society to support their family (i.e. food stamps, medicaid)

(4) E. Rosenfeld, November 15, 2004 12:00 AM

Definitely Depends on the Individual

I agree with the comment below that it depends on the couple in question. Before we got married we were given very general advice by someone who didn't take the time to understand what would work for us as a couple. For the man who commented that "everyone" is looking for someone with money - I have noticed that people tend to date the same kind of person over and over and then complain that "everyone" is like that. If you keep dating in the same social circle, you will tend to find the same types of expectations. In a different city or social setting, you will definitely find women who would love to marry someone who has excellent middos and live with less money.

This is what was good about this article - he states that there are guidelines but no definites that apply to every single person.

(3) Anonymous, November 8, 2004 12:00 AM

Still needed

" 'financial independence' is certainly not a prerequisite for starting a family."

You are certainly correct. However,in today's day and age, it IS a prerequisite to finding a girl willing to marry you, or a family willing to let the marriage take place. You'd better have a ton of money for all the things that really matter in life, like a few thousand for pictures of the wedding and another few thousand for a wig. I wonder how folks even managed to get married before such necessities were invented -- did they really used to walk or ride around on horses before there were such things as BMW's and SUV's? So what happened...when did we change?

(2) Sam K., November 8, 2004 12:00 AM

Honor Your Wife

I want to tell you how much I appreciated reading Rabbi Chelbo's comments in this article, "...A man should always be careful to honor his wife, for blessing is found in his house only because of his wife...", as well as the reference to Genesis 12:16. For the longest time, I have felt that the majority of blessings in my life has been because of God's favor and protection for my wife rather than for any special favor or faith I thought I could selfishly claim as my own. God has truly blessed our family and children because of her and in spite of my shortcomings.

Also, I have observed over the years that those who honor women (families, cultures and nations) are blessed and prosper, whereas those who mistreat women fall into ruin.

My wife is truly blessed because of my wife.

Thank you very much,


(1) Dr. Kanterman, November 7, 2004 12:00 AM

$ and marriage

I think some further information from the questioner is in order before a truly valid response can be given. For example, is the idea of marriage just theoretical or is there a specific partner? If there is a partner, what is her feelings about starting a marriage on a shaky financial footing?

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