W0LFB3AT5 said:
For all you couples out there… the HIF (Heartbreak Insurance Fund) sounds like an interesting plan in my opinion from what I heard.

If you ever should date, both of you should deposit ranging from $100-$150 dollars monthly into a joint account. And whoever gets cheated on, gets to walks away with the money.

the way I'm reading this, it kinda assumes that infidelity is inevitable in a relationship. it kinda makes the relationship adversarial, almost.

also, when do you stop? if you're in a relationship for 5 years, do you just have a trust worth, like, 20Gs that neither party has access to because neither has been unfaithful?

dba_afish said:
the way I'm reading this, it kinda assumes that infidelity is inevitable in a relationship. it kinda makes the relationship adversarial, almost.

also, when do you stop? if you're in a relationship for 5 years, do you just have a trust worth, like, 20Gs that neither party has access to because neither has been unfaithful?

For stopping, you could propose a cap on the total amount in the fund. For example, once the fund reaches a certain amount, like $10,000, you could stop contributing monthly. Or, you could introduce a rule where a portion of the fund could be used for specific relationship milestones, such as a down payment on a home or a significant trip, to ensure the money isn't just sitting there indefinitely. This would show that the fund is dynamic and can evolve with the relationship.