Dating in Your 40s

Texting now

They text all the time but never want to meet. What does that mean?

Usually something ordinary: a packed calendar, nerves about a first date after a long marriage, or someone keeping things loose. Sometimes it's the opening of a romance scam, which is why one specific invitation to meet or video call tells you more than another month of good morning texts. If money ever comes up, stop.

Most of the time, someone who texts constantly but keeps putting off a date is busy, nervous or keeping their options open, and you’ll find out which when you name a specific time. Less often, it’s the early shape of a romance scam: lots of contact, no meeting, no video call, and eventually a request for money.

You can’t tell which from the texts alone. You can tell a lot from what happens next.

Why would someone text every day and not want to meet?

Take Nadia, 44. Her kids, 11 and 14, are with her on alternating weeks, and she runs a dental practice’s front office. Five weeks ago she matched with Owen, 47. He texts at 6:40 every morning and again after ten. He remembered her son’s tournament and asked how it went. After the first week he asked to move to a messaging app, and she said sure. Three times she has suggested coffee. Once it was his work trip, once his mother’s appointment, once “this week’s crazy, soon.” They have never video called.

Nadia doesn’t know what’s going on. Neither does anyone reading this. Here are the usual possibilities, roughly in order of how often they come up.

  • A genuinely full calendar. Custody weeks, a parent who needs rides, a job with travel. Real, and usually paired with counteroffers.
  • Nerves. A first date after a long marriage can feel bigger than texting. Some people also worry their photos are from before the divorce.
  • Not ready. Texting is low stakes. For someone still raw from a breakup, a thread can be company without commitment.
  • Keeping options open. Some people text several matches and meet few. That isn’t a crime. It is information.
  • Something they’re hiding. A partner at home, a fake identity, or a plan to ask for money. This is the least common reason, and the one worth ruling out.

Does waiting to meet help you get to know each other?

Up to a point. In a 2015 study of a national sample of online daters, communication researcher Artemio Ramirez and colleagues found an inverted U: some messaging before the first meeting was linked to better first impressions, but past a tipping point, more online talk was linked to worse ones.1 People build a version of each other in text, and a long build makes the real meeting harder to match.

So a long pen-pal stretch isn’t a deeper start. It can be a riskier one, even when both people are exactly who they say they are.

When does ‘never meeting’ become a warning sign?

When it comes in a cluster. The Federal Trade Commission describes a typical romance scam this way: you meet on a site or app, the person wants to move to another channel, you talk often, but they can’t meet. They live far away, work on an oil rig, serve in the military abroad.2 The FBI adds a few more signs: strong feelings declared very quickly, and someone who avoids not just meeting in person but video chatting too.3

Then comes money. In FTC data for 2022, nearly 70,000 people reported a romance scam, with $1.3 billion in reported losses and a median loss of $4,400.4 The most common story, in nearly a quarter of reports, was a friend or relative who was sick, hurt or in jail.4 Contact started on social media more often (40% of people who lost money) than on a dating site or app (19%).4 The FBI’s complaint center logged 17,910 romance and confidence fraud complaints in 2024, with about $672 million in reported losses.5

These aren’t only stories about lonely retirees. In earlier FTC data, people ages 40 to 69 reported losing money to romance scams at more than twice the rate of people in their 20s.6 A busy, competent adult with a full life is exactly who these scripts are written for.

None of this means the person in your phone is running one. Most people who stall aren’t. But the cluster (off the app, far away, no camera, warm fast, money eventually) is worth knowing by heart.

What should you look at instead of the texts?

Separate what happened from what you’re telling yourself about it.

  • What happened: how many specific plans you’ve proposed, and what came back. A new time, or a new reason.
  • The reading: “He’s shy” or “She’s just slammed.” Possibly true. Still a reading.
  • The fear: that asking will end it, or that you’ve been fooled before and might be again.
  • The next step: one specific invitation, then watching the answer.

A busy person who wants to meet tends to offer the next slot. A nervous one may need a lower bar, like a short coffee or a video call first. Someone keeping their options open goes vague. And someone who isn’t who they say they are will usually have a reason the camera can’t come on.

What to do this week

  • Name a day, a time and a place. Not “we should get coffee sometime.” “Saturday at 10, the place on Main.” A specific invitation gets a specific answer.
  • Offer a video call as the middle step. If distance or schedules are real, ten minutes on camera costs them almost nothing. It’s reasonable to expect yes within a week or two.
  • Count the counteroffers. Two reschedules with new times is a schedule. Three delays with no times is your answer, whatever the reason behind it.
  • Run a reverse image search on their photos. The FTC suggests it, because scammers often use pictures stolen from someone else.2
  • Keep your details close. No home address, no financial information, nothing you’d need to take back.3
  • If money comes up in any form, stop. A loan, a fee, a ticket, a gift card, an investment tip. Both the FTC and the FBI say never to send money to someone you haven’t met in person.23 You don’t need to decide whether they’re lying. You only need to not pay.
  • If you’ve already sent money, call your bank right away, then report it at ReportFraud.ftc.gov and to the FBI at ic3.gov.23 Tell the app, too. Losing money this way is not a judgment on your intelligence, and talking to someone you trust helps.

Nadia sent the Saturday invitation on a Tuesday night, after her daughter was asleep. Owen wrote back the next morning with a new reason and no new time. She didn’t argue. She stopped suggesting, and noticed she checked her phone less by Friday.

What doesn’t the research show?

  • The online dating study measured how first meetings went, not who was honest. It says nothing about why any one person delays.1
  • Scam figures come from people who chose to report. The FTC and FBI numbers count complaints, so the true totals are likely different, and they can’t tell you how common scams are among the people you match with.45
  • The age comparison is from 2018 data, and reporting rates may differ by age as well as losses.6
  • No sign on its own proves a scam. Moving to another app, living far away and a busy calendar all have innocent versions. The warning is the combination, and above all, a request for money.

Try it

Normal or warning sign? Sort what's in the thread

  1. 1/6 He says Thursday is out because it's his kid week, and offers the Tuesday after instead.

    Normal. The counteroffer is the tell. A busy person who wants to meet finds the next slot without being asked.

  2. 2/6 She's texted every morning for six weeks, but every video call 'won't connect' or her camera is 'broken.'

    Warning sign. One glitch happens. A camera that never works, across six weeks, is a pattern the FBI lists as a warning sign.

  3. 3/6 He tells you this is his first date since the divorce and suggests a short coffee on a Saturday morning.

    Normal. Nerves after a long marriage are ordinary. The proof is in the next line: he named a place and a time.

  4. 4/6 His daughter needs surgery overseas, and he asks if you could cover the deposit just until his transfer clears.

    Warning sign. A sick relative is the most common story in romance scam reports. Whatever the reason, money for someone you haven't met is where you stop.

  5. 5/6 They take a day to reply during a hard week, then answer your coffee question with a day and a time.

    Normal. Slow isn't the same as stalling. What matters is that the plan got an answer, not a new delay.

  6. 6/6 She moved you to a messaging app in week one, says she works on an oil rig, and can't say when she's back.

    Warning sign. Each piece can be innocent. Together, off the app plus far away plus no date is the combination the FTC describes.

0 to 2 right

Hope is doing the sorting

Right now a warm thread is getting the benefit of every doubt. That's human, especially when the texts are the best part of your day. Try sorting your own thread by what they do when you name a time.

3 to 4 right

You see most of it

You can tell a busy life from a stall most of the time. The ones that fool you are probably the ones with a good story attached. Stories are easy to send. Plans and cameras are harder to fake.

5 to 6 right

You read the pattern, not the poetry

You know the difference between a full calendar and a thread that never leaves the screen. The test now is your own thread, where the good morning texts make it harder to see.

This is one moment. BUMIS is for the text decision keeping you up at night.See your pattern

Steal this text

Say it in your own words, or start from these

  • If you want to turn the thread into a plan

    I really like talking with you, and I'd like to do it across a table. I'm free Saturday morning or Wednesday after drop-off. Coffee at the place on Main? Pick whichever works.

  • If distance or schedules make meeting hard

    Before we go much further, I'd love to actually see you talk. Could we do a quick video call Thursday after the kids are down, around 8:30? Ten minutes is plenty.

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. When Online Dating Partners Meet Offline: The Effect of Modality Switching on Relational Communication Between Online DatersJournal of Computer-Mediated Communication (Ramirez, Sumner, Fleuriet and Cole), 2015Used for: In a national sample of online daters, the amount of online communication before a first face-to-face meeting had a curvilinear (inverted U) link with how the meeting went: some online talk helped, but past a tipping point more online talk was linked to worse impressions, forecasts and information seeking at the meeting.
  2. What To Know About Romance ScamsFederal Trade Commission, Consumer Advice, n.d.Used for: Romance scammers often want to move the conversation off the dating site or app, may chat several times a day but say they can't meet in person (living far away, working abroad, an oil rig, the military), and later ask for money; never send money or gifts to a sweetheart you haven't met in person; a reverse image search can expose stolen photos; report scams at ReportFraud.ftc.gov and to the app or site.
  3. FBI Cleveland Warns of Romance Scams and Confidence FraudFederal Bureau of Investigation, n.d.Used for: Warning signs include professing strong feelings very quickly, claiming to live or work overseas, and avoiding meeting in person or video chatting; never send money, gift cards or cryptocurrency to someone you have never met in person; if you suspect a scam, stop contact and report it to the FBI's Internet Crime Complaint Center at ic3.gov, even if you haven't lost money.
  4. Romance scammers' favorite lies exposedFederal Trade Commission, Data Spotlight, 2023-02Used for: In 2022 nearly 70,000 people reported a romance scam, with $1.3 billion in reported losses and a median loss of $4,400; the most common lie (nearly a quarter of reports) was needing money because a friend or relative was sick, hurt or in jail; 40% of people who lost money said contact started on social media and 19% on a dating website or app; crypto and bank wires made up more than 60% of reported losses.
  5. 2024 IC3 Annual ReportFBI Internet Crime Complaint Center, 2025Used for: In 2024 the IC3 received 17,910 confidence/romance fraud complaints with reported losses of $672,009,052.
  6. Romance scams rank number one on total reported lossesFederal Trade Commission, Data Spotlight, 2019-02Used for: In 2018 data, people ages 40 to 69 reported losing money to romance scams at more than twice the rate of people in their 20s.
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