家庭是社会的基本单位，深入探讨婚姻状态对家庭财富积累的影响和作用机制对个体及社会发展都具有重要意义。本文基于家庭追踪调查（CFPS）2010-2020年的数据，对比了不同婚姻状态对家庭财富积累的影响，在婚状态对财富积累的正向效应显著高于非在婚群体，而心理健康作为隐性财富亦呈现同步改善。进一步分析从收入融资约束以及消费偏好两个角度分析了婚姻状态影响家庭财富的机制。具体来讲，它是财富积累的两个方面，即“开源”和“节流”。在“开源”维度，家庭成员通过职业结构调整与劳动供给增加显著提升收入水平；在“节流”维度，消费偏好向必需品集中与资源协同共享有效降低边际生活成本，从而促进家庭财富积累。

The family is the fundamental unit of society. A thorough investigation into the impact of marital decisions on household wealth accumulation and its underlying mechanisms is of great significance for both individual and social development. Based on data from the China Family Panel Studies (CFPS) for 2010–2020, this study compares the effects of different marital statuses on household wealth accumulation. The findings show that being married has a significantly stronger positive effect on wealth accumulation than being non‑married, while psychological well‑being, as a form of implicit wealth, also improves accordingly. Further analysis explores the mechanisms through which marital decisions influence household wealth from the perspectives of income generation/financing constraints and consumption preferences. Specifically, these mechanisms correspond to the two dimensions of wealth accumulation: “increasing income” and “reducing costs.” In terms of income generation, family members enhance their earnings through career restructuring and increased labor supply. In terms of cost reduction, a shift in consumption preferences toward necessities and resource‑sharing within the household effectively lowers the marginal cost of living, thereby promoting wealth accumulation.