<prompt> Human: Hi rpersonalfinance,Can you give me some feedback on an idea about combining finances with my partner? Im using a throwaway because Im posting financial details I dont necessarily want everyone to know.I 28F am moving in with my boyfriend 26M, and I have been researching strategies couples use to combine finances. I have an idea that I havent seen discussed here, and I would like to know what you think.About usHe is a saver and I am a spender. He makes 70k and has 20k saved in the bank with no debt. I make 50k and have 4000 in credit card debt and no savings to speak of. Id like to excuse myself by saying that I took a pay cut to change careers a few years ago blah blah blah, but the truth is I am just not very good at saving. That said, I have been paying down the debt rapidly for the past year started at 13k, I always pay my bills on time, and I have excellent credit.My IdeaI pay the joint expenses, and he saves. Its probably not realistic for me to pay our entire rent 1900, but I could pay half of it and the groceries 320 and utilities 200. The rest of my paycheck is then mine to use to pay down debt, pay for my gym membership, buy fancy cheeses, whatever stupid shit I spend money on. And he can do the savings for both of us.My reasoning is that this arrangement would make the best of our different financial styles, as he has a tendency to save and I have a tendency to spend whatever is in my account. What do you think?I should add that we do intend to get married. So, while I realize that shit happens, we are prepared to make a lifelong commitment to each other. Thanks!EDIT: Okay, okay apparently the consensus is that combining finances in this way is not a smart thing to do without the protection of marriage. We had originally planned on just splitting all the joint expenses 6040 based on our share of total household income, so I think well go ahead with that plan until we tie the knot. And in the meantime, Ill keep plugging away at this debt.  <response>: Until you are married, DO NOT COMBINE FINANCES! We dont want to see a post next year titled My boyfriend and I had joint accounts. We broke up and the account is cleaned out. What do I do? 