<prompt> Human: Im in a HCOL area and currently renting a small 800 sqft apt with my girlfriend. My original plan was to buy a townhousesingle family home and have my girlfriend live with me. I wouldnt charge her rent. As we have a great disparity in income and net worth I make approximately twice as much as her, I have a positive net worth in the low-mid six figures and she has a negative net worth in the high five figures due to student loans I figured that this would sound like a wonderful idea to her.However, she hated the idea. She says she doesnt want to live in someone elses house and that if Im buying a house that shes living that she has to own it too and be on the mortgage. Now.. this is a problem as I would be fronting the entirety of the down payment and most of the mortgage payment, not to mention were not married yet so this will never happen while that is still a factor because buying a house with somebody youre not married too is from what Im told a terrible idea and I agreeSo, the solution that im mulling over right now is to buy a house now while prices are cheaper and mortgage rates are less and rent it out until we are married. I would still rent this apartment with her now, but we have a home for us to live in when we decide that its time to move. Plus, Im hoping that buying a house now will protect me from it being lost from me in the case of a divorce. My marital law knowledge is lacking but I think that all assets and debts brought into the marriage beforehand are kept by the original person? Id prefer to do that before dumping half of my assets into a home that could get split in half upon a divorce not that that would ever happen but you have to plan for everythingTLDR: I want to buy a home, I am considerably more wealthy in income and assets to my girlfriend. Girlfriend doesnt share my sentiment about buying a home with somebody youre not married too and will only live in a house that she is at an equal or mostly equal stake too but has a negative net worth and no assets student loans. My solution to this is to buy a home while the market is affordable and rent it till we decide to get married. Am I an idiotEDIT: Based on the first 10 initial comments, it seems like this idea is not a great one... I might as well wait and invest in bitcoin ;. In all seriousness though I should probably consider a prenup and wait till were both ready to buy a house.  <response>: It doesnt sound like youre actually hearing what shes saying. She doesnt want to live in someone elses home, period. Whether you move into it immediately or after marriage, if you purchased the home on your own, its still not her home. I feel like you know this, since youre saying part of the reason is to protect the asset in a divorce, and I dont see how this could possibly address her concerns. Id think it would have quite the opposite effect. 