You are doing God ' s work my friend <| sep |> You could save on termitw treatment too <| sep |> I am of the belief that no one needs to or should ! combine finances until you ' re married . It ' s a hell of a thing to untangle when a breakup happens . I speak from experience . So , from that standpoint , I think your boyfriend is being totally reasonable . I mean , he ' s even debtfree and living a cashonly life which is awesome ! If I could say that myself , there ' s no way in hell I ' d do anything to risk that and that includes combining finances with someone else . However , the tally book of who owes who what is a bit concerning . Now , maybe he became so fiscally responsible by living that way I don ' t know but relationships have to have a bit of give and take . A bit of I ' ll cover this , you cover that kind of tradeoff instead of attempting to split everything down the middle . I do think you two need to sit down and discuss being a bit less rigid and crazy about it , but I don ' t think you should combine finances .