Situationships Are Expensive: The Hidden Financial Cost of Undefined Relationships

Situationships are expensive, and not just emotionally. These undefined relationships often drain your finances quietly through date nights, travel, gifts, and emotional spending. While you may call it “just vibing,” your bank account calls it lifestyle inflation without commitment.

Valentine’s Day has a funny way of exposing things.
The roses look good. The outfits look good. The captions look good.

But the bank account?
It’s in recovery mode.

Let’s have a grown conversation energy today.

Because situationships are not just emotionally confusing.
They are financially draining.

And nobody talks about that part.

Why Situationships Are Expensive in the Long Run

Situationships are expensive because they operate like partnerships without a partnership structure. You invest time, energy, and money into something undefined. Over time, situationships are expensive not just financially, but strategically, because there is no shared vision for building wealth.

A situationship is an undefined relationship where:

• There’s emotional access
• There’s physical access
• There’s a time investment
• There’s financial access

But there is no commitment structure.

Translation?
You’re operating like a partner… without partnership benefits.

The Real Cost of “Just Vibing”

Let’s break this down with Legacy Energy math:

• $150 dinner twice a month = $300
• Flights to visit = $400–$600
• Birthday gifts = $250
• Random cash apps = $100 here, $75 there
• “I’ll cover it this time.” Energy = priceless… but costly

That’s easily $5,000–$8,000 a year funding something that has no defined future.

That could have been:

• Earnest money on a property
• Credit card debt elimination
• Seed money for an LLC
• Investment into the Million Dollar Net Worth Challenge

But instead, it went to “let’s see where this goes.”

Emotional Spending Is Still Spending

Nobody likes to admit it, but sometimes we’re not paying for dinner.

We’re paying for:

• Validation
• Attention
• Not wanting to be alone
• Trying to prove our value

And that’s expensive.

You should never have to finance your audition for love.

Situationships Create Lifestyle Inflation

Here’s the quiet danger.

You start:

• Dressing above your budget
• Traveling more than you can afford
• Picking restaurants based on impressiveness, not income
• Living for aesthetics instead of assets

That $200 night becomes normal.
Uber becomes standard.
That luxury expectation becomes baseline.

Now you’re financially stretched… for someone who still says,
“I’m not really looking for anything serious right now.”

Undefined Relationships = Undefined Financial Boundaries

When there’s no clarity, there’s no structure.

And without structure:

• No future planning
• No joint vision
• No shared wealth goals
• No long-term strategy

You’re operating in the present tense while your bank account is suffering long-term consequences.

Love without clarity is expensive.
Dating without discipline is costly.
Vibes without vision drain wealth.

The Wealth Test: Ask This Question

If this person disappeared tomorrow…

Would your financial position be:

• Stronger?
• Weaker?
• The same?

If the answer is weaker…
That’s not partnership.
That’s subsidizing uncertainty.

Coach Moore’s Valentine’s Day Reminder

You do not need to spend to be valued.

Do not need to fund potential.

You do not need to prove loyalty through transactions.

A healthy relationship should:

• Respect your budget
• Align with your goals
• Protect your future
• Add stability, not stress

If they can’t have a money conversation, they are not ready for marriage.

Period.

Redirect That Energy

Instead of financing a situationship:

• Build your emergency fund
• Fix your credit
• Invest in real estate
• Start that side business
• Join a wealth-building community
• Enter the Million Dollar Net Worth in 5 Years Challenge

Because when the right person shows up, you want:

• Options
• Assets
• Leverage
• Peace

Not financial regret.

Final Thought

Situationships are expensive.
Clarity is cheaper.
Commitment is safer.
And discipline builds legacy.

This Valentine’s Day, don’t just ask:
“Do they love me?”

Ask:
“Is this aligned with my five-year wealth plan?”

Legacy Energy over temporary energy.
Always. 💎