<prompt> Human: TLDR; GF has major debt, I have minor debt. I want to enjoy lifes adventures and have some goals for house family in 3-5yrs and feel this will hinder them if shes the one, options? My current girlfriend and I have been good friends for years and started dating earlier this year. Recently I found out about her current debt and its got me extremely worried. In my past, I mad mistakes as everyone did but they were manageable. I went to college that my family and I could afford. After I graduated, I got an older used car while I started out in the workforce and maintain some rotating debt. She went to a private school they couldnt afford and took out massive loans as a result. Also bought a brand new car after college and racked up quite abit of CC debt along the way. I currently max out my 401k, add some to an IRA and even play with stocks bc of a company discount. She on the other hand doesnt do any bc of her min payments for everything. I worked hard my first few years and now make a great wage to payback the generous loan society provided for me. Despite my student loans, small car loan and cc debt, I can still do and buy most anything I want. I feel very guilty and a bad influence doing this around her knowing she shouldnt be doing any of this until some of that debt is cleared. Weve worked together to make a plan, but ultimately I dont see a strong dedication towards it. Similar to that friend that says they are going to workout, posts and talks all about it then falls off 1 week later.I care about her and enjoy being around her. I want to share moments and do things without carrying us both bc I cannot afford that yet and or putting her in debt by having her contribute. However I am also worried this will be a long rocky road with later pot holes. Any prior experience or advice?edit throwaway cause, yeah...  <response>: You might need to take this to rrelationships. The way you manage money can have a pretty big impact on your life. You seem like the kind of person who wants to work now and have fun later. She seems like the opposite. Being friends with someone is a lot different than dating or building a family with them. If she is hindering your overall life goals, then maybe she is not the one. 