I did a podcast recently and I’ve still been thinking about this. Do you date someone who’s broke? And when I say broke, I said this on The Twisted Truth, I don’t mean the type of broke you think. I mean the person who doesn’t handle money well. Someone who’s reckless with it. Do you date them, or do you date their credit score?
I have to be honest with you, and I’m going to sound like the shadiest person in the world. Mine is over 700. If yours isn’t near mine, we have a problem.
And yes, you can be broke and still be paying your bills. I’d rather you be responsible that way and be broke. You might have a business you’re self-funding. You might be a caretaker taking care of a parent. There are so many good reasons somebody might be broke. I’m not talking about the person buying Gucci glasses who can’t pay their rent.
If I had to compare, credit is everything. Me and my friend Vanessa talk about credit all the time. We’re sparring partners. We’re not competing with each other. We understand the buying power that comes with credit. It opens all kinds of doors. A cheaper mortgage rate. The car you actually want. You need to be able to purchase that item.
Now, I’m not saying go out and put yourself back in a hole because you’ve got good credit. That’s what happens sometimes. I got a loan and put all my credit cards into one lump so I paid one lump sum. Then I needed my credit cards again, because sometimes you have to live. I worked in finance and I’m not always good with money either. What I will say is my credit cards get paid and my rent gets paid. If I have to, I put money on my credit card and then pay the bill, because next month I might not use the card as much, and I’m lowering my debt that way. Most financial people are going to say, oh my God, that ain’t the right way to do it.
Back to dating. Who dates anymore? That’s the question. And when do you ask about somebody’s money situation? On the first set of dates? If somebody is pursuing you and y’all are friends and it’s getting a little more serious, I say three dates before you sleep with someone. That’s old fashioned now, I guess. I’m a gay man, and gay men sleep with each other on the first night. I still say at 54 that we date backwards, but that’s a topic for another day.
Pay attention to the person. How are they handling money? When you say let’s go to a fancy restaurant, do they have to budget it? You can notice people’s money habits without asking about them. Some money habits aren’t the right habits, so you can’t make that judgment too fast. But if you’re going to pursue a relationship with someone, it may seem odd to ask what their credit score is. I haven’t dated in a long time, so this is my personal opinion. Take it or leave it.
What are you doing out here? Have you been bold enough to ask someone their credit score on date three? If so, I want to hear from you. Put it in the comments. When do you think it’s appropriate? We’re not here to argue. This is for entertainment, but I am intrigued to hear what people are doing. Are you dating for money? Are you dating for the credit score? Are you dating someone who has money and blows it all the time?
When they say compatibility, they mean money-wise too. Y’all have to think the same way about money. If you don’t save and he does, that’s not compatibility to me. Someone with a 700 credit score like me is compatible. That’s my story and I’m sticking to it. It may not be the right story for you. I date people for their credit score, not their wallet. How about you?
Hear the full conversation on The Twisted Truth at thetwistedtruthpodcast.com.
Disclosure: The lead images in this article were generated with AI.
