<prompt> Human: Long time lurker here who thought he had things figured out but is now struggling with our relationships first big purchase. So we are getting married in about a year we have been together for 6, are engaged and live together and my car needs to be replaced still runs ok but issues could arise at any moment especially with winter coming. We both are currently debt free and have good careers making about 35,000 a year. One of us thinks that since we are getting married we should split the cost of the car 5050 which would allow us to pay for it from our combined savings without taking out a loan or a very small one, like 2,000. The other thinks that I should make the purchase myself, take out a large loan like 10,000 and that when we get married our debt will become shared. At that point both of us would begin sharing the car payments or just pay it off entirely. It seems to me that by waiting until we are married we are, for no reason, throwing money down the drain in interest payments for a year. Looking for perspective and understanding.  <response>: This may be more of a relationship issue than a personal finance question.At the end of the day, if you are getting married in about a year, the extra interest would be several hundred dollars, considering youll own the debt together and could pay it off entirely when you are married. Is this significant enough to argue over? 