When’s The Last Time You Had Sex? (The Most Important Financial Topic Nobody Else Will Touch)

“Publishing a sophisticated men’s magazine seemed to me the best possible way of fulfilling a dream I’d been nurturing ever since I was a teenager: to get laid a lot.” — Hugh Hefner

When’s the last time you had sex?

Don’t worry, I don’t expect you to answer.

Everyone is a hypocrite when it comes to financial advice. We judge others for their spending. We give advice when we can’t relate at all. And nobody ever discusses the REALLY important topics. I’m sick of it.

“You should stop going out so much and just stay in.”

A married friend shared his unsolicited advice with me. Most of my married friends do this. They don’t understand nor can they relate. When you’re married, life is a whole lot different from when you’re single and on the prowl. There are also different stages of being single.

Long story short:  Sex is everything in your 20s. It impacts every decision you make financially. Don’t even try to lie to me.

After reading about sex vs salary by Ramit Sethi, I realized that I needed to just tackle the subjects that nobody else is willing to. I have no idea why personal finance blogs have never covered this topic.

We all love to discuss the following on financial blogs:

• Ways to get out of debt.
• Top 8,000 ways to save a dollar on random scenario.
• How-to make more money.
• The best strategy for saving $10 (usually involves cutting your own hair).
• And so on.

I love these topics as well. But there’s more to saving money and life in your 20s. This is one of the hidden subjects that nobody ever covers.

We looked at the economics of your love life in your 20s. We dissected everything from spending money on dating sites to saving money by dating. Today we’re not going to discuss much about relationships.

Sex is everything when it comes to personal finance.

Sex is everything when it comes to personal finance and nobody touches upon this subject.

“The moment that you feel that, just possibly, you’re walking down the street naked, exposing too much of your heart and your mind and what exists on the inside, showing too much of yourself. That’s the moment you may be starting to get it right.” – Neil Gaiman

Don’t even try to fool me. Seriously. You see, being financially free is absolutely useless if it means staying in and not getting laid ever. Sorry to break it to you. You can have all of the money in the world, but if you don’t have sex, you’ll never be happy.

Have you ever heard of a dude getting laid and then getting into a fight on the way home or being pissed off at the world? Nope.

Don’t even try to send me some crap about how you don’t need it and are happy with just hanging out alone. I can spot if someone hasn’t been laid in a while. You can see it in their body language and how they walk or approach life.

How about some interesting research on sex and money?

Have no fear because I did some research on this topic. According to this article on CNN about sex and money…

“Researchers at Dartmouth College and the University of Warwick, England, measured levels of happiness in 16,000 men and women. They found that the more sex people had, the happier they were, regardless of their age or whether they were male or female.”

Filed under : DUH! You don’t want to be a miserable jerk, do you?

The next one is pretty interesting…

“The researchers even found that sex is so closely tied to happiness that they estimated increasing sexual intercourse from once a month to once a week would have the same mood-boosting effects as adding $50,000 a year in income.”

Who doesn’t want to make more money? More sex = more money. Get started, champ!

And finally…

“Sex triggers the release of various brain chemicals, such as dopamine, vasopressin and oxytocin, which are associated with creativity, problem-solving, cooperation and confidence.”

Makes sense. Nobody has ever felt sad afterwards. Well, unless they spent a great deal amount of money that they didn’t have on it.

Why is sex so important?

How does sex impact your finances in your 20s? What does it have to do with anything?

Nothing else will ever impact your spending the way that the pursuit of sex does. It’s not just about sex. It’s all about becoming attractive and pursuing happiness. It’s about boosting your self-confidence. It’s about being happy. It’s about feeling good. It’s about feeling wanted.

Your pursuit of sex will impact your spending in the following ways:

• The money you directly spend on dates.
• Money spent on going out often (everything from drinks to cabs).
• The time you invest in courting someone.
• The 3 hours a night you spend on Tinder.
• Everything you do to look better (new clothes, gym membership, shoes, and so on).
• How you approach life. When not getting laid, it’s easy to be miserable at work and around your friends.
• And so much more that I can’t even think of right now.

Time to ask an important question…

Which do you need more of: money or sex? I don’t know?

Professor David Blanchflower of Economics at Dartmouth College said it best with:

“It’s true that money impacts which person you marry, but money doesn’t impact the amount of sex you have.”

In other words, don’t blame your empty pocket for a boring love life!

Okay, I get it. What do I do, Martin?

[While we’re on a roll, don’t forget to check out our guide to destroying all self-doubt when trying anything new.]

You have to accept what it is! My tips here are simple. There are two things that you absolutely need to do right not when it comes to sex and money in your 20s.

1. Be honest to yourself about how much money you’re going to spend on the pursuit of love.

You’re going to go out. You’re going to spend money on clothing, dating, and trying to have a good time. Don’t deny it. Don’t lie to yourself. Here’s what you do:

• Plan for it.
• Budget for it.
• Make it a priority.
• Don’t feel guilty about it.
• Stop lying to yourself.

You can open up a separate tab in your checking account where you allocate a portion of your paycheck to the pursuit of love. The amount of money depends on how much you make and how aggressive you are here.

The next step is…

2. Figure out how to save money when dating!

I can’t stress the importance of this enough. Too often do I see friends blowing their paychecks on dates and drinks for girls and becoming a “player.” STOP IT!

Figure out how to save money here. My best tips for going out in your 20s are:

• Stop relying on the bar scene. Try meeting people in everyday life. You don’t have to go clubbing to meet someone.
• When you do go out, stop buying drinks for anyone that will even look in your direction. Ugh. Buy a drink for your friends. Don’t throw money at every single girl in the building.
• Stop getting so freaking wasted! You’re not charming when you can barely stand. We’ve all been there. It’s fun. It’s a good laugh. I get it. It almost never works. If you want to get blind drunk, go to a house party with your friends.
• Dress well without stressing about brands. Find someone that dresses well and go shopping with them. Find ways to look good without breaking the bank on expensive brands.
• Try to get work done. Get your work done and focus. Dating comes after that. Try not to let the chase consume your life.

Good luck with your adventures you crazy bastards!

I’ll be here egging you on and helping you keep your savings account is full while you look for love.

“Money, it turned out, was exactly like sex, you thought of nothing else if you didn’t have it and thought of other things if you did.” — James A. Baldwin