Divorces among Gen Z and millennials are increasingly being attributed to a deceptive practice known as "financial future faking," where individuals make grand promises about shared finances and long-term security without any real intention of following through. This emerging trend, an offshoot of the psychological manipulation tactic known as "future faking," is contributing to marital discord and potentially influencing younger generations' decisions to marry later in life or forgo it altogether, according to industry experts.

The phenomenon involves making significant commitments early in a relationship, such as promises to share a home or lifestyle, without the genuine intention or means to fulfill them. Jackie Combs, a celebrity divorce attorney, told Fortune that a lack of financial intimacy, transparency, and alignment are central factors in many divorces she handles. She noted that money often becomes a source of leverage, especially when expectations are not clearly articulated from the outset.

Financial future faking is seen as a form of catfishing, where the deception revolves around financial prospects rather than personal identity. This can lead to a breakdown of trust and ultimately contribute to the dissolution of the relationship when the reality of the situation becomes apparent. The cultural impact of this trend is significant, as it highlights a growing concern among younger generations about financial stability and the importance of transparency in relationships.

The rise of financial future faking reflects a broader societal shift towards increased awareness of financial issues and a greater emphasis on individual financial security. As younger generations navigate complex economic landscapes, the pressure to present a financially secure image may contribute to the prevalence of this deceptive practice. The long-term effects of this trend remain to be seen, but it is likely to continue influencing relationship dynamics and marital decisions among Gen Z and millennials.