My boyfriend of almost 5 years makes that crazy tech money, and while I'm making a lot more than I was when we started dating, it's still easily 15% of what he brings home. For the first 8ish months, we split things pretty evenly. When we started getting more serious and talking about moving in together, we had a frank discussion about what that means for us and how we can look out for both of us long term. That meant me moving into his condo and paying down debt instead of paying rent. He also owns the car I daily drive. I've always been financially very independent, growing up very poor and occasionally homeless.
I also got out of a very abusive relationship a few years ago where my then-husband regularly threatened to cut off my cell phone service (the only bill he paid of mine) every time he got ticked off. I'm hyper sensitive to that possibility, which I also talk about with my boyfriend.
We talk about everything. I drive like a granny and I tell him it's because the car isn't mine. He pays for the house, cars, and most of the household bills, but he'd rather do all of that then step foot for even one minute in a grocery store, so I buy all groceries. I like to splurge on vacation items sometimes (wine tours or whatever) and I'll pay for that stuff because he buys flights and hotel. He bought the RV but I pay for our stays in RV parks.
Seriously, talk about it. It's awkward at first, but so liberating when you can tell your partner when you need help (like when I desperately wanted to quit my job and needed to ask for support in case it took longer than expected to find a new job) or when you're doing awesome and want to splurge (when I got a raise and wanted to take us out). We talk about how our spending reflects how we show love (love languages style), and we split stuff in a way that makes not only financial sense but also sense based on everything else in our relationship.
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