Last year, 43 million people in the U.S. received gifts they didn’t want for Valentine’s Day. This year, raise your gift-giving standards with these five practical yet unromantic ideas.

Remember that teddy bear you picked up last February 14? It’s likely one of many items contributing to the $9.5 billion worth of unwanted Valentine’s gifts, which also included tools, gym memberships, and more, as noted in a recent survey.

This year, spending is set to hit an astonishing $27.4 billion for Valentine’s Day, averaging $196.31 per person, according to the National Retail Federation (NRF). If you’re planning to spend that kind of money, why not choose something with more significance than a gift destined for the trash?

Step Up Your Game

This isn’t about finding the perfect romantic gift for your significant other. (Check out that article here.) Instead, it’s about selecting a gift that’s less disappointing than last year’s. Don’t fret; these suggestions maintain the theme of unromantic gifts while ensuring your loved one eventually appreciates the thoughtfulness behind them.

Invest in Future Adventures

How about if your partner started building a retirement account in your name? Would you prefer a $357.96 token gift (the average amount men spend on gifts for their wives) or $17,000 in 20 years (the potential value of that $357 if invested at the stock market’s average return)?

No heart-shaped item can match the power of compound interest. Combine it with the tax benefits of an Individual Retirement Account, and you’re gifting something that appreciates over time.

Explore six types of IRAs based on your needs and eligibility. If one partner earns while the other stays home, consider a spousal IRA, allowing contributions equal to the working spouse’s but under your name. The maximum contribution is $6,000 for 2019 and 2020 ($7,000 if you’re over 50).

More: 4 Key Financial Strategies for Single-Income Couples

Protection for Your Belongings

Show your partner you care with the gift of property protection. If you rent, getting renter’s insurance is a smart and affordable choice.

Understand that your landlord's insurance only covers structural damage not caused by negligence. If disaster strikes, like theft or damage to your beloved belongings, renter’s insurance can save you.

Insurance.com states the average cost for a renter’s insurance policy, covering $40,000 of personal property, $100,000 in liability, and a $1,000 deductible, is around $197 annually (approximately $17 monthly). So, what’s it going to be? A romantic dinner for two (averaging $101 per couple, per WalletHub) or an intimate meal and insurance for your valuables?

More: Renting vs. Buying: Which is Right for You Long-Term?

Insurance for Peace of Mind

Your Valentine’s card could read: “Because our life together is priceless…”

If you’ve been together for a while, you likely own valuable assets — homes, cars, and investments. Protecting your lifestyle is important. An umbrella insurance policy provides security in case of lawsuits. You can secure an additional $1 million in coverage for $150 to $300 a year, according to the Insurance Information Institute.

More: Insurance Reviews for Homeowners and Auto

Healthy Pets, Happy Hearts

NRF reports that 27% of individuals will purchase Valentine’s gifts for their pets, spending an average of $12.21. I plan to contribute to the $1.7 billion pet spending this Valentine’s Day.

But rather than opting for a new squeaky toy, consider a gift that ensures good health for your furry friends. Investing in preventative care is vital for their longevity and can save you on vet bills. A heartworm preventative treatment costs around $5 to $15 monthly, vastly cheaper than the $400 to $1,000 required to treat a heartworm-positive pet.

Self-Love on Valentine’s Day

14% of women and 12% of men might not have a partner but still plan to celebrate Valentine’s Day by treating themselves.

Go ahead! Instead of indulging in chocolates, why not boost your 401(k) or 403(b) contributions? A mere 1% increase can have a significant impact on your future savings. Plus, you can proudly share that you’re building your wealth independently, allowing you to choose dates based solely on attraction.

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