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<p>Money matters are a crucial aspect that affects people’s marital relationships in modern times, as demonstrated by existing evidence. With societal norms continuing to evolve in family behaviors, understanding how relative status affects marital relationships becomes increasingly important. This study applies a fixed-effect panel model on four waves (2014, 2018, 2020, and 2022) of the China Family Panel Studies (CFPS) to examine the relationship between relative income status and marital satisfaction by investigating the mediating role of household debts. The analysis reveals that couples with lower relative income compared to their peers tend to carry a higher household debt burden, which can further negatively impact their marital satisfaction. Among different types of debt, non-housing debt appears to play a more crucial role in this relationship. Moreover, our study finds that these relationships tend to specifically affect the wife’s marital satisfaction when non-housing debt is considered.</p>

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Bridging Relative Income and Marital Satisfaction: The Role of Household Debt As a Mediator

  • 期刊论文

  • 发表日期：

    2025年10月18日

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  • Yunchao Cai,
  • Qian Li

摘要

Money matters are a crucial aspect that affects people’s marital relationships in modern times, as demonstrated by existing evidence. With societal norms continuing to evolve in family behaviors, understanding how relative status affects marital relationships becomes increasingly important. This study applies a fixed-effect panel model on four waves (2014, 2018, 2020, and 2022) of the China Family Panel Studies (CFPS) to examine the relationship between relative income status and marital satisfaction by investigating the mediating role of household debts. The analysis reveals that couples with lower relative income compared to their peers tend to carry a higher household debt burden, which can further negatively impact their marital satisfaction. Among different types of debt, non-housing debt appears to play a more crucial role in this relationship. Moreover, our study finds that these relationships tend to specifically affect the wife’s marital satisfaction when non-housing debt is considered.