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You need to sit down, and do a little future planning with her. Discuss what’s going to happen if you decide to get married, have kids, etc. Are you going to to join your accounts (which given what you wrote, I wouldn’t suggest) or are you going to separate finances? Can you both afford to on-line a lavish lifestyle and still save and invest for the future or is this going to fall on just you.
My fiancé and I have the same mindset when it comes to money and our lifestyle, and we did our future planning very early on and still talk about it as time passes. We have the same goals and work together toward it. Thing is, right now, I can save more than he does (he had loans), but we’re both working toward the same future goal so I have no problem with this.
With my best friend however, her bf makes less than she does but he spends it all on friends, hanging out, and material things. And because he has a side job, he cannot help her take out a mortgage for their future home. So she has to work and save for the both of them. She wasn’t happy with their current situation but now she’s learned to live with it and accept that she won’t settle down anytime soon.
So while we’re both in the same position (both of us as the ones saving much more than our SO), our future is still very different.
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