Income Pooling in Midlife: A Comparison of Remarried and Cohabiting Relationships

The share of adults cohabiting at later ages has risen in the past few decades, though little is known about income pooling among midlife cohabitors. Cohabitation could be an attractive option because partners may be able to preserve their economic autonomy and maintain assets for the next generation. Conversely, cohabitation may operate as an alternative to marriage, allowing midlife adults to combine their resources to achieve economies of scale without the legal obligations of marriage. This study compared income pooling among middle-aged remarried and cohabiting adults in the United States.

Data were from the nationally representative 2013 Families and Relationships Survey. The analytic sample included adults aged 50-65 who were cohabiting or remarried (N = 888). Logistic regression models were used to predict the likelihood of income pooling among cohabiting and remarried midlife adults, net of relationship, demographic, and economic characteristics.

Aligning with the hypothesis that cohabitation and remarriage are distinct in middle age, the odds of income pooling were lower for cohabitors than remarrieds. However, the gap between cohabitors and remarrieds narrowed by later ages.

This study provides insight into the economic organization of midlife cohabiting relationships, which may have implications for individual well-being and relationship decision-making among middle-aged couples.