<prompt> Human: First post ever, go easy on me.My boyfriend and I of a year now Im 25, hes 31 have discussed moving in together later this year. He would buy the house and everything would be in his name, I would just help pay expenses. Hes got enough in savings for initial costs and payments, but also wants to start up an emergency fund for the two of us right away as well. We have not talked about how things would be split or gotten down to the nitty gritty of each of our situations financially, although I know the only debt hes currently paying off is student loans. I have absolutely no debt.. but I also dont have much at all in savings - only 500. I guess Im afraid that once we do lay it all out on the line, Im going to look like an unambitious dumbass who hasnt been saving money for something like this. Hes an accountant and has been thinking long term for years, whereas I am not and have always lived a little extravagantly. Wed split costs not 5050 because he makes more than I do and currently I take care of rent, utilities, etc. of my own place with enough left over to start cutting out unnecessary expenses and putting it into savings. Any advice on where to start, key points to bring upask in future conversations, etc?Edit: I dont know how to change the flair from debt? Since thats technically not what this is about? Crap.  <response>: Dont buy assets with anyone that you do not have a contract with.That said, if he wants to buy the house in his name and can otherwise afford it then its not really a problem as youre just living there. 