I am 25 and living with my parents. It's time to leave the nest so I began apartment hunting for myself. After searching for weeks, I decided it made most sense to move in with my boyfriend. Everything is great between us, I will probably marry him one day, and I am at his place most of the time anyway. I moved in with him and then we ran into a problem with one of his landlords. Long story short, I am living with Mom and Dad again and the two of us are looking for a place of our own.
Here is my little dilemma. My boyfriend is looking into renting and buying. If he finds a house to buy, I will obviously live with him. However, I am not ready to get married and I feel as though I don't want any legal ties to the house. Is it stupid for me to feel that way if I will be helping him pay a mortgage? I talked to him, my family, and friends about it and I don't know what to do. In my mind, even though I feel he is the man I will spend years of my life with...I only met him last July. I feel I am too young and I would feel much better making a big decision regarding marriage and investing when I am closer to thirty and have been with my boyfriend for a little longer.
If he does buy a house...he would make the down payment and the house will be in his name. If I move in with him I will help with the mortgage/taxes of course. It would be like he was my landlord and I was paying him rent. If we part ways in the future for whatever reason I will get nothing. I feel as though I would be alright with that because it's not like I am putting ALL of my money into the house. I would rather pack my things and move out if we were to break up and I would happily leave him with everything. But maybe that's the wrong way to feel?
A friend of mine suggested a pre-nup even if we don't get married. Still, that's legal stuff and I wanted to avoid that. I told my boyfriend that if he goes the house route to make sure he can afford it on his own if I were to leave.
I know the best thing to probably do would be to rent with him for a few years and then buy a house together. However, he's the kind of guy who would love to have his own house. He would take care of it. He's had a house before, but sold it when he got divorced. He is totally up for renting, but feels if he is going to move again...then he just wants to invest in something.
I would love your opinions.