<prompt> Human: I have been struggling over whether or not to marry my fiancé for a few months now, due to the financial pros and cons. He is 45 and I am 26, Im pregnant planned. He also has another son from a previous relationship who is 11 years old. I am a student which is the main reason I am considering postponing the wedding for a long while. I made 36,000 last year this year I expect to make around 30,000 due to unpaid maternity leave and he is salaried and makes 60,000 per year. Right now I do qualify for FAFSA, but if we married I believe I would not which would make school much more expensive for me. My first two years of school are paid for thanks to a kind relative I am a sophomore now but even with the loans my last two years will cost around 12,000. I attend a public university. Although I do know there are other factors including health insurance. It looks like if I have a normal birth it will cost around 6,000. Here is a break down of monthly bills Mortgage: 1,200Utilities: 300Phones: 110Groceries: 450Health insurance for me: 150Health insurance for he and his son: 400Car payment: 450Car insurance: 150I also have 3,000 of credit card debt from an unexpected family event. I plan to pay 250 per month on this until the 15 month 0 interest period runs out. He also has about 10,000 credit card debt from home improvement projects that he pays monthly, although the card is 3 interest. He plans to have this paid off in the next 15 months. I have a 401k where I contribute 3 which is the employer match and I have around 4,000 in there so far. He contributes 6 to his and has around 30,000. I own my car although I would like to get something better when the baby comes I have a 1999 and he still has 21 months left of car payments. So far I have saved up 8,800, and have 5 months until my due date. He does not have a savings unfortunately. He owns the home as well and it has gone up in value since hes had it, but I know the value could always go any way. Would it be better for us financially to get married or would it be a small loss in ? What can we do to better prepare for the baby? I plan to take off 6 weeks from work. Thanks!!!  <response>: There are a LOT of financial benefits to being married: income tax, auto insurance rates, health care premiums, any several others. My advice, is get married. If you plan to get married eventually, just do it now. Your missing out on financial and institutional benefits given to married couples. 