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1. Well. As you live! paycheck to paycheck and seem to be okay with it, aka do not do anything about it, his reservations are not without reasons. You could suggest a lawyer that models a prenup. But some things you have to change, if you want to stay together and marry are seemingly your communication and your personal spending habits. Try to establish some rules as it is in general not healthy to live without savings. I would, however, not forget to ask him whether he would really like to marry you in general (without money being a problem). Could be that he uses it partly as a fake reason, but one can never be certain. Another thing is that it seems that he doesnt really respect you and your career. Making a bit less is no dealbreaker for most (when savings are no problem) as it doesnt block the opportunity and neccesity of being able to support each other(!). But for me it seems he doesnt even value your bachelors degree and you beat yourself up about being of no value because of it.

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