Love and Money

By Shannon O’Hare – Real Estate Loan Officer and Ron Culver-VP Real Estate Market Manager – Bozeman

Shannon O'Hare - Bozeman Ron Culver - Bozeman


According to the Beatles, “All You Need is Love.” While that may be right, it is possible for love and money to work together! Yes, the relationship between love and money can be complicated and different for everyone. On the one hand, there are people who absolutely love money. That relationship can be fraught with peril if a healthy perspective isn’t maintained. Then there are those who might trade in all their money to find love; be that love for another or love for life. Montana has many examples of people who left big money careers elsewhere to move here and find a new love of life and happiness in this beautiful place we all call home.

Love and Money Scale

One of the fascinating similarities between love and money can be found in having it versus sharing it.

For example, having love is wonderful; sharing it with another can be life-altering. Likewise, having money is good, but sharing it with those you love can be rewarding. That may be as simple as buying a cup of hot cocoa for someone on a cold winter day. The protagonist of Charles Dickens’ tale “The Christmas Carol” personifies this when Ebenezer Scrooge discovers the joy in sharing wealth far exceeds the joy of hoarding his millions.

10 Dollar Bill in a Heart Shape

As we take on a new year with new opportunities and new goals, how can we share our love and/or money with those closest to us?

We have a recommendation. A new home!

After all, home is where the heart is! Also, few things in life build wealth better than owning a home. And few places in life are better suited to foster the love of friends and family than the comfort of a home. The dream of homeownership is one that we strive to bring to fruition for our friends and customers. There is nothing better than coming home after a day on the slopes with Montana’s famous Cold Smoke or hiking in the pristine wilderness alongside one of our state’s many mountain lakes. It makes it all worth every penny.

Blue house in snow with icicles

If you think homeownership is not within your reach, think again! Traditional home-buying is often achieved with spouses pooling their resources, but did you know that you can buy a home with loved ones other than spouses? Friends, business partners, siblings or just about anyone you want to share the investment, can buy a home together. Or you can create all of your own love by forging ahead on your own!


We have had the opportunity to develop and learn a number of strategies to help people get into homes over many years that we would love to pass on to you. After all, knowledge that isn’t shared is like love that isn’t shared… it might never reach its full potential.

Having an heirloom like a home, or the potential equity that comes with homeownership to pass on to your loved ones is something to be proud of long-term.

We know that buying a home (or even refinancing the one you have) can be intimidating to even a seasoned home owner. As with many things in life, the first step to overcoming a stressful topic is simply having a better understanding of it. Talking to someone about money, credit scores, or even a budget can go a long way. Your local Stockman mortgage lender is available to have that conversation, without pressure, to transact business.

CLICK HERE to start a conversation with one of our mortgage professionals today. Let us help you open the door to your new home.

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