Dating in Your 40s

Patterns you already know

How do I know if my partner is lying?

You usually can't tell from their face or their tone. You find out by checking whether their account matches the facts over time and by asking plainly. In your 40s, with money, kids and an ex in the picture, the extra step is asking which past relationship your suspicion is borrowing from.

You usually can’t know from how your partner looks or sounds in the moment. What you can do is notice whether their account matches the facts over time, and ask about the specific thing that doesn’t line up. In your 40s there’s one more step, and it’s often the important one: figuring out how much of the suspicion belongs to this relationship and how much you brought with you.

Why does this suspicion feel so familiar?

Take Dana, 46. She’s been with Marcus for two years. They don’t live together, but they share a lot: alternate weekends with her two kids, a standing Sunday dinner, a joint fund for the trip they keep almost taking. Last month Marcus said he’d spent Saturday helping his brother move. On Tuesday his brother mentioned, offhand, that the move was the week before.

Dana felt the floor tilt. Not only because of the date. Because her ex-husband’s lies had started with exactly this kind of small, checkable thing, and she had talked herself out of noticing for three years.

That history is real, and it shapes what she sees now. In a study that followed 484 adults across two relationships, people who had suspected a first partner of cheating were four times more likely to report suspecting the next one, and people who knew a first partner had cheated were twice as likely to report the same about the next.1 The researchers couldn’t separate how much of that came from who people chose next and how much from the watchfulness they carried. For Dana, both are worth asking about.

Do people lie to the person they’re closest to?

Less often than you might fear, but it happens. In two week-long diary studies, Bella DePaulo and Deborah Kashy found that people told fewer lies per conversation to the people they felt closest to, and felt worse when they did.2 Those lies were also more likely to be found out. That’s a mixed comfort: closeness seems to make lying less frequent and less comfortable, not impossible.

What doesn’t happen, in that research or any other, is a reliable tell. There’s no particular glance or pause that marks a lie. Most people find out the way Dana did: a fact from somewhere else that doesn’t match.

What about money?

In your 40s money can be where a lie hurts most, because it’s tangled up with kids, support payments, debts from a past marriage and plans for the future.

A 2021 Harris Poll for the National Endowment for Financial Education found that among U.S. adults who had ever combined finances with a partner, 43% admitted to some form of financial deception, and 85% of those said it affected the relationship. The most common was hiding something: 39% had hidden a purchase, account, statement, bill or cash, and 16% had lied about their debt or income.3

Those are admissions, not accusations, and many are small. But money matters past the lie itself. In a study of 4,574 couples, disagreements about money were the strongest predictor of divorce of any kind of disagreement, for both wives and husbands.4 If you’re merging any part of your financial life, a direct conversation about money isn’t nosy. It’s maintenance.

Should I check their phone?

It’s the most tempting shortcut and usually the worst one. Researchers at the University of British Columbia asked 102 people about times they’d looked through someone’s phone or had theirs looked through. Of the 46 who described what happened to a romantic relationship afterward, 21 said it ended and 25 said it survived.5 Where relationships ended, the person whose phone was searched often felt their trust had been betrayed, so the snooping became a second problem instead of settling the first.

There’s also a line here worth knowing. Monitoring a partner’s phone, location or messages is one of the ways control works in relationships. If you’re the one being monitored, or you’re afraid of how your partner will react when you ask a simple question, that is its own serious problem, separate from whether anyone is lying. The support line below this article is there for that.

How do I bring it up without accusing them?

Separate four things, on paper if it helps:

  • What happened: “He said Saturday. His brother said the week before.”
  • The reading: “He was somewhere else and covered it.”
  • The fear: “It’s starting again, like my marriage.”
  • The next step: ask about the date, once, without the backstory.

Then ask about the fact, not the reading. “Your brother said the move was the weekend before. I got confused. What did I miss?” leaves room for a dull answer, and dull answers are common. A real explanation tends to come easily and with details you can live alongside. Watch how they respond to being asked, not just what they say.

Pick your timing. Not during a handoff, not with kids in the next room, not by text at midnight.

What to do this week

  • Write down the one fact. Not the feeling, not the history. The specific thing that doesn’t match.
  • Name the old pattern out loud to yourself. “This is the part that reminds me of my ex.” Saying it shrinks it to its real size.
  • Ask once, calmly, about that fact. Then give the answer a few weeks to hold up or not.
  • If money is shared, schedule a money talk. Make it routine, both of you, all accounts. It protects you whether or not anything is wrong.
  • Get support if it’s eating at you. If the doubt is constant or disrupting your sleep, work or parenting, a licensed therapist or couples counselor is the right help.

What doesn’t the research show?

  • The diary studies are from the 1990s and counted everyday lies, mostly small ones. They don’t measure serious deception in long relationships.
  • The financial figures are self-reported in an online poll, and “deception” covered everything from a hidden purchase to hidden debt.
  • The divorce study shows money arguments predict divorce. It doesn’t show that money lies cause it.
  • The serial-infidelity study used unmarried adults, and it can’t say whether carried-over suspicion was accurate.
  • The phone study was small and based on memories. It describes what happened, not what would happen to you.
  • None of this can tell you whether your partner is lying. It can help you ask about facts instead of fears.

Try it

Tick what's true this week

Tick what's true this week

0 to 1 ticked

Mostly a passing doubt

Not much here is pointing anywhere yet. If something is still nagging, write down the one fact behind it and ask about that, once, calmly.

2 to 3 ticked

A fact and a memory, tangled

Some of what you ticked is about them, and some is about what you've lived through before. Pull the two apart before you talk, so you ask about the fact and not the memory.

4 to 5 ticked

Worth a real conversation

There's enough here, on both sides, that guessing has stopped helping. Pick a time without the kids around and ask about the specific thing you noticed.

6 to 7 ticked

You're carrying this alone

You're watching, rehearsing and bracing, and it's costing you. That's a sign to talk, and possibly to bring in a counselor. If you're afraid of how they'll react, start with the support line below.

This is one moment. BUMIS is for the dating patterns you keep seeing in yourself.See your pattern

People who talk about this

Labeled by where their authority comes from. Not a ranking, not an endorsement.

  • Credentialed source

Eli J. Finkel

Research on how modern marriage and long term relationships work, and what partners expect from each other.

Professor of Psychology and of Management and Organizations, Northwestern University; director of the Relationships and Motivation Lab · credential source

Profiles last checked October 1, 2026

  • Credentialed source
  • Trending voice

Julie Menanno

How couples get stuck in conflict cycles and how to feel secure with a partner.

Licensed marriage and family therapist (MA, LMFT, LCPC); author of Secure Love · credential source

Profiles last checked October 1, 2026

  • Credentialed source

Justin J. Lehmiller

Research on sex, desire, casual relationships and friends with benefits.

Social psychologist (PhD, Purdue); Senior Research Fellow, The Kinsey Institute, Indiana University · credential source

Profiles last checked October 1, 2026

  • Credentialed source

Lori Gottlieb

What happens in the therapy room, including breakups, dating choices and the stories people tell about love.

Psychotherapist; author of Maybe You Should Talk to Someone and The Atlantic's Dear Therapist column · credential source

Profiles last checked October 1, 2026

All 11 people we point to →

Further reading

From other publishers we trust. The full list

Sources

  1. Once a Cheater, Always a Cheater? Serial Infidelity Across Subsequent RelationshipsArchives of Sexual Behavior (Knopp and colleagues, via University of Denver), 2017Used for: In a study following 484 unmarried U.S. adults across two relationships, people who suspected a first partner of extradyadic sex were four times more likely to report suspecting the next partner, and those who knew a first partner had done so were twice as likely to report the same of the next partner.
  2. Everyday lies in close and casual relationshipsJournal of Personality and Social Psychology (DePaulo and Kashy, copy hosted by MIT Media Lab), 1998Used for: In two one-week diary studies (77 undergraduates and 70 community members), people told fewer lies per social interaction to those they felt closer to and felt more uncomfortable when they did lie to them; lies told to closer partners were more often discovered.
  3. 2 in 5 Americans Admit to Financial Infidelity Against Their PartnerNational Endowment for Financial Education (Harris Poll), 2021-11Used for: Of U.S. adults who have ever combined finances with a partner, 43% admit to some act of financial deception and 85% of those say it affected the relationship; 39% have hidden a purchase, bank account, statement, bill or cash, and 16% have lied about debt or earnings (online survey of 2,073 adults, 1,248 of whom had combined finances, June 28 to 30, 2021).
  4. Examining the Relationship Between Financial Issues and DivorceFamily Relations (Dew, Britt and Huston, via Brigham Young University), 2012Used for: Using longitudinal data on 4,574 couples from the National Survey of Families and Households, financial disagreements were the strongest of the disagreement types in predicting divorce, for both wives and husbands.
  5. Snooping through a partner's phone (UBC and University of Lisbon study)University of British Columbia, Faculty of Science (with the University of Lisbon), 2019Used for: Researchers asked 102 people to recall times they had accessed someone's phone or had theirs accessed; of the 46 who described what happened to a romantic relationship afterward, 21 said it ended and 25 said it survived; where it ended, phone owners often felt their trust had been betrayed.
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