Those things are just things. You can get a joint account in the future in 10 minutes. You can still be together with cars in separate names. You can even be together with bills split. None of these things cement anything. You still have time, so use it wisely. Yea, a lot of bad things are going to happen, but how you deal with those and how you let them set you back is completely up to you. Brush them aside and strive to make positive ground.
Me: 42 W: 32 Married 7 years together 8.5 S1: 7 S2:7 Bomb #1: 09-16-13 Recon #1: 11/13 A discovered 04-03-2014 W filed D 05-19-14 but never served me I filed D 12-02-2014 S 05-31-14 Divorced 5-19-16