Why would he want to combine finances when you ' re not pulling your weight financially ? He works 2 x jobs while studying a masters while you work one job and study your own masters . You already pay less than half of the expenses which is a step towards a financial relationship commitment . If he thought you were just roommates , you ' d be coughing up 10 % more each month for household expenses . He only uses cash , although he has an excellent credit rating . Because he knows that credit cards some with interest payments and he doesn ' t want to pay extra . He ' s very smart to be thinking this way because you both will have student loan debt to pay which is not dischargeable in bankruptcy . <| sep |> If you could handle it , I would recommend taking main science subject since you could pretty much study a lot of subject during degree .