Should I invest for my child’s marriage?

Published: March 8, 2014 at 8:00 am

Last Updated on March 26, 2016 at 5:22 pm

Ever since I revealed that I invest for my son’s marriage in the year-end personal financial audit, several friends, and readers have chided me about this:

  • ‘Why do you want to invest for your kids marriage?’
  • ‘Our kids should fund their own marriage’
  • ‘Weddings should be simple affairs devoid of all lavishness’

Journalist Sunderajan Padmanabhan narrated over email this delightful anecdote of a no-frills wedding:


You know whenever i hear people talking about their children’s marriage, I get reminded about one friend’s marriage, which i consider as the best I have ever attended.

Join over 32,000 readers and get free money management solutions delivered to your inbox! Subscribe to get posts via email!
🔥Enjoy massive discounts on our robo-advisory tool & courses! 🔥

Maybe I can recall it for you.

I am sure you have heard of journalist-cum-theatre-activist Gnani Shankaran (this is his website in Tamil). I am talking about his wedding.

He and his wife, Padma, again a theatre activist, had their wedding at the Egmore Museum theatre about 30 years ago.

They had organised a play and invited all their friends. the wedding happened during the interval. a common friend announced that the two are  to get married. A nadaswaram recital played in the background on a tape  recorder. the groom and the bride exchanged garlands. An encore went up, that’s all. The marriage was over.

We were all asked to move out for refreshment: a packet of mixture, one ladoo and a cup of hot coffee. after about 10 minutes the bell rang again.

We got back into the auditorium. the play resumed and went on for half an hour or so more.

At the end, we all gathered, congratulated the couple again before returning home. they also took a bus to go back home: no decorated car. No  ladies’ sangeet. no janwasam, no mehendi, no special bridal wear.



Fairytale frugality!  I re-read this story several times. Wish I had married that way!

Delightful as this anecdote maybe, I  disagree with the notion that one should not invest for a child’s marriage (NB. I have temporarily paused investments due to unexpected recurring expenses)


  • The future is unknown and uncertain! My boy could meet his soul mate in school and would like to marry her then! I the need the money even if I offer him a loan for the wedding!
  • There could be a shotgun wedding scenario!
Photo by Ms. Phoenix. Source: Wikipedia

If you are thinking, ‘there he goes again! Pattu the most pessimistic blogger on www’, stop right there!

All I need you to do is to agree with me that the future is unknown and uncertain!

We are clueless about how our children will grow and what they will grow up to be. Let us never ever forget that!

  • My sons wedding is an expense for me. Perhaps I will fund 100%, perhaps I will fund 1% of total expenses. It is an expense, period.
  • It is a 100% certain expense that will occur in the future (My son could of course choose to avoid wedlock for a variety of reasons!)
  • A 100% certain future expense, will affected by inflation (at least 10%)
  • Therefore, frugal as I would like to be, I will need to account for inflated frugality (perhaps my wife notions of frugality may evaporate at the sound of marriage!)
  • Therefore, I need to plan and invest with a schedule.
  • If I do not, I may end up touching my retirement corpus to fund his wedding – a bad thing to do even if it is 1% of total wedding expenses.
  • Therefore in view of the above, I invest my for my son’s marriage.
  • No, allow me to correct that. I am investing to protect my retirement nest egg. Shouldn’t you?

 Prepare for the worst, pray for the best – A line from the movie, Prisoners

 What do you think? Do you agree?

Do share this article with your friends using the buttons below.

🔥Enjoy massive discounts on our courses, robo-advisory tool and exclusive investor circle! 🔥& join our community of 5000+ users!
Use our Robo-advisory Tool for a start-to-finish financial plan! More than 1,000 investors and advisors use this!
New Tool! => Track your mutual funds and stock investments with this Google Sheet!
We also publish monthly equity mutual funds, debt and hybrid mutual funds, index funds and ETF screeners and momentum, low-volatility stock screeners.
Follow Freefincal on Google News
Follow Freefincal on Google News
Subscribe to the freefincal Youtube Channel. Subscribe button courtesy: Vecteezy.
Subscribe to the freefincal Youtube Channel.
Follow freefincal on WhatsApp Channel
Follow freefincal on WhatsApp
Podcast: Let's Get RICH With PATTU! Every single Indian CAN grow their wealth! 
Listen to the Lets Get Rich with Pattu Podcast
Listen to the Let's Get Rich with Pattu Podcast
You can watch podcast episodes on the OfSpin Media Friends YouTube Channel.
Lets Get RICH With PATTU podcast on YouTube
Let's Get RICH With PATTU podcast on YouTube.
🔥Now Watch Let's Get Rich With Pattu தமிழில் (in Tamil)! 🔥
  • Do you have a comment about the above article? Reach out to us on Twitter: @freefincal or @pattufreefincal
  • Have a question? Subscribe to our newsletter using the form below.
  • Hit 'reply' to any email from us! We do not offer personalized investment advice. We can write a detailed article without mentioning your name if you have a generic question.

Join over 32,000 readers and get free money management solutions delivered to your inbox! Subscribe to get posts via email!

About The Author

Pattabiraman editor freefincalDr M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over ten years of experience publishing news analysis, research and financial product development. Connect with him via Twitter(X), Linkedin, or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free investment advice.
Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! More than 3,000 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter the market condition is!! Watch the first lecture for free!  One-time payment! No recurring fees! Life-long access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence.
Our new course!  Increase your income by getting people to pay for your skills! More than 700 salaried employees, entrepreneurs and financial advisors are part of our exclusive community! Learn how to get people to pay for your skills! Whether you are a professional or small business owner who wants more clients via online visibility or a salaried person wanting a side income or passive income, we will show you how to achieve this by showcasing your skills and building a community that trusts and pays you! (watch 1st lecture for free). One-time payment! No recurring fees! Life-long access to videos!   
Our new book for kids: “Chinchu Gets a Superpower!” is now available!
Both boy and girl version covers of Chinchu gets a superpower
Both the boy and girl-version covers of "Chinchu Gets a superpower".
Most investor problems can be traced to a lack of informed decision-making. We made bad decisions and money mistakes when we started earning and spent years undoing these mistakes. Why should our children go through the same pain? What is this book about? As parents, what would it be if we had to groom one ability in our children that is key not only to money management and investing but to any aspect of life? My answer: Sound Decision Making. So, in this book, we meet Chinchu, who is about to turn 10. What he wants for his birthday and how his parents plan for it, as well as teaching him several key ideas of decision-making and money management, is the narrative. What readers say!
Feedback from a young reader after reading Chinchu gets a Superpower (small version)
Feedback from a young reader after reading Chinchu gets a Superpower!
Must-read book even for adults! This is something that every parent should teach their kids right from their young age. The importance of money management and decision making based on their wants and needs. Very nicely written in simple terms. - Arun.
Buy the book: Chinchu gets a superpower for your child!
How to profit from content writing: Our new ebook is for those interested in getting side income via content writing. It is available at a 50% discount for Rs. 500 only!
Do you want to check if the market is overvalued or undervalued? Use our market valuation tool (it will work with any index!), or get the Tactical Buy/Sell timing tool!
We publish monthly mutual fund screeners and momentum, low-volatility stock screeners.
About freefincal & its content policy. Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on mutual funds, stocks, investing, retirement and personal finance developments. We do so without conflict of interest and bias. Follow us on Google News. Freefincal serves more than three million readers a year (5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified with credible and knowledgeable sources before publication. Freefincal does not publish paid articles, promotions, PR, satire or opinions without data. All opinions will be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)
Connect with us on social media
Our publications

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingPublished by CNBC TV18, this book is meant to help you ask the right questions and seek the correct answers, and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantThis book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at a low cost! Get it or gift it to a young earner.

Your Ultimate Guide to Travel

Travel-Training-Kit-Cover-new This is an in-depth dive into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, and how travelling slowly is better financially and psychologically, with links to the web pages and hand-holding at every step. Get the pdf for Rs 300 (instant download)