<prompt> Human: So myself20 and my girlfriend19 have been living together since September700 rent, 300 food, no utilities with free internet and cable and she makes roughly 1500 a month up supporting both of us up until late November when I got hired at Amazon and now I make roughly 1800 a month. Along with lump sums from financial aid since we are both in school.Her employer matches 4 of what goes into her 401k or something like that Im not too good on the personal finance jargon, along with a 3 interest rate. Currently she devots 5 of her check to the 401k, but today she came to me with the idea of putting alot more 40-65 to it each paycheck as her employer has no max. She thinks this is a great idea to do for about 5 years, since we lived decently with her wage for a few months we can easily do it with mine and eventually we will have a huge nestegg considering our age. It sounds good to me, but I know there has to be some drawback or something we are not thinking through. Any help, tips, or anything is greatly appreciated as we are pretty clueless about the interworkings of all of this. Assistant: This would be something to consider... if you were married. If she puts 40-65 of her paycheck in her 401k you will end up spending your money to support both of you. In the end you will have no claim to her retirement and you will have given her a free ride. Human: I understand that this seems stupid on my part, but we have been together for 7 going on 8 years and I am more than willing to take this risk. Thank you for the heads up, we actually joked about that.Not too sure why I got downvoted. My age and trust? Pretty condescending but whatevs.  <response>: Youre getting downvoted because PF users here are usually involved in helping clean up messes like the one youre getting into.You are 20. Shes not even 20. Pooling your money in significant ways like this is just playing with fire. I know it seems fine now. Thats the point; it always seems fine. 