A recent survey indicates that financial challenges are a significant barrier to finding romantic relationships for Americans, with younger generations feeling this impact more acutely. According to research commissioned by the consumer finance app Current and conducted by Talker Research, a quarter of all Americans believe their financial situation has prevented them from finding "true love."
This sentiment is particularly pronounced among Gen Z, with 40% of this demographic reporting financial struggles as an impediment to love, compared to only 11% of baby boomers. The data reveals a generational divide in the perceived importance of financial stability in relationships. A substantial 78% of Gen Z respondents stated that a person's salary influences their ability to find "true love," in contrast to 32% of baby boomers.
The survey, which polled 2,000 general population Americans, found that respondents, on average, believe a salary of $106,417 is necessary for finding "true love." Baby boomers were the only generation to report an average salary expectation below six figures.
These financial pressures extend to relationship breakups. Nationally, 15% of individuals surveyed have ended a relationship due to financial reasons. This figure rises to 25% for Gen Z, while only 7% of baby boomers reported the same.
When financial issues lead to breakups, respondents identified poor financial management skills as a more significant factor than salary alone. Top reasons cited include consistent borrowing (30%) and general financial irresponsibility (27%). A lack of long-term financial planning was also a contributing factor for 23% of those who ended relationships over money.
Beyond romantic relationships, financial concerns are also affecting dating habits. Half of all respondents, irrespective of their relationship status, expressed a desire to go on more dates but are constrained by their finances. Furthermore, 52% of individuals reported that concerns about the "affordability crisis" are impacting their dating lives. This issue is more prevalent among men, with 60% of male respondents indicating an impact on their dating habits compared to 46% of women.
The pressure to pay for dates also plays a role, with 49% of respondents believing the man should pay for a first date. Men were more likely to hold this view, at 59%, compared to 42% of women. Approximately 24% of respondents felt that whoever initiated the date should cover the cost.
Consequently, 31% of individuals are going on fewer dates in 2026 than in previous years, a trend attributed in part to the financial pressures associated with dating. Erin Bruehl, VP of Communications at Current, noted that financial stress is a major component of the pressure surrounding dating. She also suggested that accessible financial tools and solutions can help individuals manage their money, reduce stress, and build confidence, thereby making all aspects of life, including dating, more manageable.
The survey was conducted online by Talker Research between June 26–30, 2026, among 2,000 Americans with internet access, commissioned by Current.