<prompt> Human: My boyfriend of 5 years and I discuss buying a home more than marriage. He has said that because we wont put in an equal down payment into the home, that he doesnt want to get married because its not fair that it would be my asset too. Do you think that is a huge red flag? Right now we pay for everything equally as renters. To his credit, we make the same amount, but he has saved 20k and I have 1k at the most.. Yes I have reasons, some of which are I just have more bills that I cant help. But some of it is just me not saving. Weve thought that he could buy the house, and I will pay him rent. But I worry that would screw me over if we broke up. Ive paid half on everything in our place now- furniture etc. Decor. I have dreams of remodeling, simple things like re-painting or replacing things in a home. I know I would need to pay for half of all of that. I dont want to put in so much of my own money in a home if Im essentially renting again. Im hoping we could legally write something up that if I pay for half of a kitchen remodel or something, and split up, I could get that money back, since its not my house. What do you think? I do have much much better credit than him. 800 and I believe he is 600 or low 700s. I wish I could argue that my high credit score is equal to his 20-30k saved. So I should be on the home papers, and be an owner. But he just thinks the bottom line of cash is unequalunfair. does anyone have any opinions? even if we got married, I know hes still going to have issues with the downpayment being unequal. Hes not going to magically feel like gifting me 2030k by putting my name on a home. Hes just like that financially... its so baffling and foreign to me when i hear about a partner paying for another to live essentially. i have friends that dont pay for their housing at all, because their husband does. i fully admit I could save more if I tried harder. But hes not breaking his back to save that much either, its very easy for him he works from home, doesnt need to drive, didnt have old bills because of parents etc. but hes not generous from fear of me taking advantage of him. everything is always 5050. I havehad so many other bills that have put me behind on saving and I know I will never catch up. I just dont know how to plan for a house. or what we should do when the time comes. how do some partners just feel like its not their money, and give no second thought to buying a home for their partner? it seems like such a nonissue for many couples. have you had a similar experience? or has anyone bought a home and worked out some way for it to feel equal with a partner if one of you didnt have a large down payment? thanks!  <response>: Dont buy an asset with someone you dont have a legal contract with.rrelationships for the rest. 