I see what you are saying. It is somewhat of a Catch-22. Can't have the emotional commitment without some financial/household commitment and vice versa. The thing is, if you are living as separate within the household, both financially and emotionally at this point, where does that leave the M? I know for H and myself, jumping into the financial commitment really helped us solidify the M. But you are right, we are further along in terms of having a somewhat workable M at this point. You and your H need to figure out a lot of the codependency issues and basic respect issues. I can certainly see where you would want to tackle those first before getting into joint finances. Your decision of course.