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Lower SES (socioeconomic status) couples tend to face particular challenges in their relationships. Relative to higher SES couples, they are less likely to marry and more likely to divorce—but they do not value their romantic relationships any less. Drawing on risk regulation theory and theories of social class as culture, we suggest that lower SES individuals adapt to their more chronically precarious environments by prioritizing self-protection more than higher SES individuals do, but that the need to self-protect may undermine relationship satisfaction. We investigate these ideas across 3 studies, using cross-sectional, longitudinal, and daily-diary methods. Lower SES individuals were more self-protective, both in their thoughts about their relationship (Studies 2–3), and in the judgments they made about their partner’s commitment level over 2 years (Study 1) and 2 weeks (Study 3). Self-protection, in turn, was associated with lower relationship satisfaction (Studies 2–3). However, lower SES individuals were only self-protective when feeling vulnerable in their relationships (Study 3). Taken together, these studies identify psychological mechanisms to explain why the structural challenges that lower SES individuals experience can make it more difficult to achieve satisfying relationships.

Economic inequality in the United States is reaching record levels (Pew Research Center, 2020), ushering in a social class divide that...