<prompt> Human: I have recently moved in with my girlfriend outside of LA and she just bought a house. She took out a loan of about 1,000,000 for it and we have been living together since day one when she closed on it. I sat down and looking at the numbers and think I am paying way too much and not financial getting any benefit from living together. She thinks I should be paying the same amount I paid for a 1bd room apartment because now I get to enjoy a house. But she is NOT willing to share ANY of the Equity right now and may not EVER want to share. She isnt the most trusting person.1 We both paid about 2,000 in rent on our own before living together 2 Now her mortgage payment is about 4800 which includes the principal and interest. I have looked at the numbers and tried to discuss it with her but she seems to think I should be paying the same amount I did before and she is doing me a favor by buying a house so we have a nice place to live together.Here are the numbers I am looking at:Total Mortgage: 4800 per month or 57,600 total payments for the YEARI AM PAYING: 2000 per month directly to her 41 of mortgage 50 of ALL utilities including water, sewer , gas etc...Her: 280059 of mortgage per month 50 of ALL utilities including water, sewer , gas etc...House Tax 15K for the yearTotal Equity build up in Year 1 20KSo after year 1 she has 20K of equity and I have ZERO-I have paid 24,000 UTILITY SPLIT-She has paid 33,600 15,000 property tax 10K after tax deductions-Her Tax Savings on Mortgage 33-Her Tax Savings on Taxes 33 5K . -Her Equity after Year 1 . 20,000Mortgage Inteeest 37600 - 24000My payments she is paying per year 13,600mort 10,000tax 23,600 and coming back with 20K of equity so is it fair to say she is only paying 3,600 in living expense vs my 24,000 since she is getting the equity?I feel like I am getting financially abusednot benefitting from our living arrangement. She was tight on money when she bought the house 9 months ago and so I said we could start with 2K and see how it went.As a side note she has been spending thousnads of dollars on decorating the house and holds it over my head that She is the one who spends all the money to decorate...I am not sure it to run or sit down and try and discuss it with her.With these numbers what seems like a fair arrangement or what have others done?We didnt put anything on paper and she has said even if we get married the house will always be hers and she doesnt think I should get any of the property interest savings.  <response>: I think you are in no position to complain about equity. Its her house and her ass on the line. Where you do have a case is the decorating and inevitable maintenance. You could chip in but youre under no obligation to do so. 