<prompt> Human: Here are some details about me:- 25 yrs old with a full time job 34kyear- Pregnant due in late Augearly Sept and will be taking mat leave for about a year Employment Insurance pays 55 of current salary- Boyfriend 27 with full time job 60kyear- Canadian- Live with my parents, pay rent- Own a car not leased, insurance is relatively highIm not the most financially savvy person and Im hoping you can give me some advice.The tentative plan is this: Since my boyfriend 27 owns a house, he wants me to move in. My understanding is that he will be paying for the mortgage, utilities, and property taxes. He expects me to pay for all of the babys expenses and food for all of us. A babys first year runs between 8k-10k, plus the cost of maternity clothes I am really a small lady so none of my current clothes are going to fit when I start getting bigger. Since I will not be working, I plan to sell my car 7000 but because it has damages, it will cost at least 1000 to fix first. I will need to save the money to buy another car when I return to work in a year.I have at least 10k in savings right now. I was planning on using some of it to pay for online courses while I am on mat leave. Initially it was to put toward a down payment or for investment. My boyfriend says he currently has no savinginvestments because it used it all to pay for his recent billsproperty taxes and cannot put anything toward saving for the baby. Having to tap into savinginvestments to pay bills is really bad planning on his part, imho.The problem is, I dont want to go into my savings for the babyother expenses. I currently do have money to contribute to the babys expenses and I can also save while Im working to pay for food but if he isnt also saving for the baby, I will have to go into my savings. The real issue with that is we are not married and the house is his. He says that when we do get married whenever that may be, as he has not proposed or anything the house will be in my name also, but say my savings are drained and our relationship does not work out; I will have no finances to afford a place to live.TL;DR What is the best way to divide up general expensesbaby expenses? What is the best plan for my current savings? Boyfriend says he cannot save at all for baby right now.Im just really stressed about our financial situation right now because I feel like this isnt really a solid plan. Ask me if you need more details!EDIT: Thanks for all the advice so far. If anyone has suggestions on whenhow to save for babys education, feel free to throw that in!Assistant: Okay, lets break it down.You have 10k in savings. Thats awesome. Dont touch that savings except in emergencies like a possible break up, or an illness, etc.. Dont invest it because you dont want it to lose value right before youd possibly need it.You have several months to prepare--is it possible for you to cut expenses during that time? If so, you can save up in the mean time. If not, youll still be fine. Your employment insurance pays 55 of 34k, which comes out to 18.7k. Im not sure what the taxes are on that, but you will definitely have enough to pay for your childs expenses. Dont forget to apply for assistance if you need it! Im not sure how it works in Canada, but in the US there is WIC that helps out mothers infants in need. Maternity clothes can be bought very cheaply at second hand stores or on clearance--youre only wearing this stuff for a few months, so it doesnt have to be perfect or high quality. Most baby gear can also be purchased second hand, and you an get by without a lot of the crap thats marketed toward new parents. Youll also be receiving some baby stuff as gifts from friends and family people love buying baby stuff. Plus, if youre going to be cooking at home and breastfeeding, you can get by on a pretty slim food budget. You will be fine; youll just need to be a little frugal.Lastly, dont forget that this baby is yours AND your boyfriends. It is his obligation to help out financially with baby expenses. Of course, within your relationship, you should divide expenses in whatever way feels equal to you both. However, remember that if you werent together, he would have to pay a significant amount of child support. You arent married, but that doesnt mean he can shirk his childcare responsibilities. It doesnt sound like hes adding on ANY expenses that come with the birth of a child since he presumably already pays his own mortgage, utilities, and property taxes without your living there, and that strikes me as very unfair and unethical on his part. Since his income is considerably higher than yours, it actually makes sense for him to pay the majority of baby-related expenses anyway. Edit: I ignored your question about the best plan. Im not a parent, but I think the best plan in your situation is to partially combine finances. Keep your own accounts, but pay all your baby-related bills out of a joint account. Contribute money to that joint account proportionally so that the person making twice as much money puts twice as much money into the account, or whatever ratio reflects your incomes. If you eat all your meals together, pay for food out of that account as well. I would probably also pay for housing other bills out of the joint account as well, but only if you feel the relationship is secure; otherwise, pay him rent. Use your personal accounts for saving, shopping, dates, etc.Sorry that got to be really long. Also, congrats on your new addition!Human: Thank you! Im a little bit proud of having that much in saving after I just finished paying of all my student debt 6 months ago :A joint account where both of us contribute a percentage of our income sounds like the way to go, for baby expense as well as food. Im prepared to cook us dinner every night and prepare him a lunch for work. I like cooking and being frugal so its no big deal to me. I think its fair for him to pay the mortgageproperty tax on his own house but Id be willing to contribute to the utilities. I mean, if he started charging me rent that was more than I pay my parents my parents helped pay for university so I like that my rent contributes to their retirement, why should I be moving in? Being unmarriedun-enagaged, Id be more comfortablesecure living where I do right now but Id be moving in more because he could be close to the baby.  <response>: With his plan, hes essentially not paying any additional costs. As the previous poster said, hed be paying for mortgage no matter if he had a baby or no. You both are in this together as parents, even if unmarried, so he should support his child. 