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Is it all because of love?
“I love you. You love me. Let’s live together and save money on housing so that we can save money.”
It’s an emotional and financial thing that frequently happens in relationships.
Sometimes it makes sense because the two people are ready and willing to explore a mature relationship and share financial responsibilities.
However, many people are not ready to deal with all the extra stuff that comes with moving in together so quickly.
Finances are a crucial component of any partnership/relationship. Financial reasons are one of the most common causes of divorce and separation.
How Did We Get Here?
I know couples that live together today, and they’re stuck because they’re financially codependent on one another.
They need the other’s income to maintain their lifestyle, or they don’t make enough money to live alone.
If they leave their shared home environment, they don’t have any place to go. Furthermore, after living with each other for so long, they frequently have financial ties (e.g., shared debts and other responsibilities such as kids, housing, car payments, credit card bills, or personal loans).
You probably never thought of it this waymedium.
Before You Move In
If you haven’t already moved in with your partner, hold off on doing so before reviewing the running list of questions below:
Do I need my partner’s income?
Am I financially strong on my own?
Do I have an emergency fund in place?
Am I on track with my savings and investment goals?
How does my partner handle their finances?
Does this person have a positive or negative net worth?
How much debt does my partner currently have?
If my partner has debt, what is their debt repayment plan?
Does my partner invest?
What income percentage does my partner save/invest each month?
What are my partner’s financial goals?
How much does my partner earn?
Does my partner need my income?
Why does my partner want to move in with me outside of the emotional aspect?
How well do I know my partner?
What is my partner’s philosophy about money?
Is my partner financially self-sufficient?
What are the spending habits of my partner?
Personal Story
One of my previous partners wanted me to move in, and I politely declined. Thankfully, I was financially independent and not in desperate need of living with someone else to save money.
But many people desperately need to live with someone else to share the financial load, which leads to many other issues.
Never move in for financial reasons. Always use logic, and be sure to address the questions above and any others that come to mind after going through the list.
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This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.