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It's partly that, but probably more to do with the fact that by the time a woman has her own money and security, she's already much older than what the man's attracted to and it's only going downhill from there. It's like showing up to a play in the final act.
The best thing for men and women is to settle down probably a little younger than people are doing now, before the guy has made his money. It's better for the women to find a guy they can invest themselves in that will pay off later, and it's better for the guy who knows she stuck with him when he didn't have much, and he also gets her prime years. Incidentally, those are also the cases where if a divorce happens, it is fair for the woman to get paid in the divorce.
I agree with the principle to some extent. But I am not sure either men or women keep to this tacit understanding very well. Women tend to eject when they see their investment is not paying off. And men tend to eject for sexier pastures once the wife's investment paid off.
It's not like we see tons of struggling young men divorcing their hot, young, devoted wives before they become successful. And we certainly do not see a lot of frumpy women in their 40's choosing to divorce their devoted, successful husbands.
No, I think both men and women are guilty of wanting the full benefits of this arrangement without putting in their full investment. The problem for women in this arrangement of course it that their investment must come first.
Personally i feel that it is better for both men and women to wait, achieve some things on their own and then bring the confidence and wisdom that comes with that into their relationship. They are both still investing. But they are both investing in proven commodities.